Yes! And no catch! Just great service! Check out all the info here on this page.

You get my full package of services! Check it out here on this page.

Absolutely, with 19+ years of marketing experience in the real estate industry, I understand that MARKETING is KEY to fetching the best price for your home. 

Check out the page called List my House for a list of marketing services.

Commission is always negotiable on real estate transactions. Unless your transaction has something that needs a bit more attention for whatever reason, I help my sellers save THOUSANDS by keeping my commision at 4%. 

No. I offer full real estate services. 

hen most people say "I don't need an agent", -- bottom-line-- it's about the money.

Of course, you dont want to pay any more than you have to when selling your home! We both know that!

But, selling your home alone, regardless of your experience, can cost you... your home! or more!

With "For Sale by Owner" you may wind up losing MORE money in the long run by pricing your home too high and sitting on the market... forever. Losing money in the process because homes that sit on the market... well.. they sit on the market.

As a licensed real estate agent and Realtor in the State of Florida, I can work with any mortgage loan originator or officer. You do not have to use me as your loan officer if I am your real estate agent.

As a licensed Mortgage Loan Originator in the State of Florida, I can work with any real estate agent. You do not have to use me as your agent if I am your loan officer.

There are many benefits to having me help you with your home purchase!

• There is no "miscommunication" between your agent & loan officer
• Your home buying process is streamlined
• You get great rates on your mortgage because I shop 100's of lenders for your BEST mortgage rate.
• You may be able to get a better "deal" than any builder can offer... even on a home that is not new construction. See Buyer Incentives for more information.

There are many benefits to having me help you with the sale of your home!

• MARKETING EXPERTISE! with over 18 years of marketing experience, a Bachelor's in Marketing, and an MBA, I offer a higher caliber of educated service. Besides, no other agent will be able to say that they literally "wrote the book" on real estate Internet marketing.
• QUALIFIED BUYERS: I can pre-approve buyers and know for sure if there are any issues with the buyer's mortgage (although, by law, I cannot share any more information with you about a buyer's financing than a real estate agent in any other transaction)
• I can pre-approve YOU for your next home and help you buy a home anywhere in Florida!
• I attract more buyers by offering commission rebates (that they can use at closing) and I offer the best mortgage rates by working with 100's of lenders to get them preapproved for YOUR sale.
• You pay thousands LESS in commission fees using my 4% Listing package.
• You have a TEAM by your side so that when I might be busy at another closing, you are not left hanging with a question.

Using me as your listing agent, you may be able to make MORE money off the sale of your home by selling faster to a preapproved buyer and paying less in fees. PLUS I can help you get preapproved and find your next house with a buyer rebate toward the purchase of your next house!

YES! Whether or not I help you with your loan, you STILL get your buyer rebate! You will just need to make sure that your mortgage loan officer is aware of the rebate. 

NOTE: Depending on the loan product, you could lose your financing if the rebate is not disclosed correctly to your bank/lender. So, just make sure that your loan officer shows you where the rebate is applied on your Loan Estimate. As long as it shows on your Loan Estimate, you KNOW the lender is aware of the rebate.

A preapproval means that a mortgage lender has looked at your credit and employment to make an initial assessment of your ability to qualify for a home loan AND has determined that you are eligible for a specific loan program. 

The preapproval process will give you a better idea of how much home you can afford and can give you a competitive advantage when making an offer on a home. To get a preapproval letter, you have to go through the application process. We pull your credit, go over your finances, pick a loan program, and make sure that you are eligible.

A prequalification just means that based on "what you told me" I can "probably" get you approved. It means nothing. Prequalification letters are not worth anything.

A pre-APPROVAL letter on the other hand means that you have proved that you qualify with documentation, I have reviewed the information and I have submitted your file through an automated underwriting system that has responded with a preliminary findings report indicating that you qualify for a specific loan program.

Most sellers are not going to accept an offer without a pre-approval letter. They may not even let you view the house (who wants to clean their house for a non-qualified non-buyer?) So, if you are shopping for a home and you do not have a pre-approval letter. You are pretty much wasting everyone’s time.

If you are confident that you qualify for a mortgage, that’s fine to go shopping with an agent, but keep in mind that in today’s market, you are going to be scrambling last minute to get that pre-approval letter and then might even lose the house because someone else got their offer in first.

Plus, it really is a pain in the backside to do a same-day preapproval letter. For YOU and for me.

So, if you are in the market to buy a house. Let’s get you pre-APPROVED first. Then, you know how much you have to work with for an offer and what loan programs you are going to be able to use. 

Then, when you find the house, you simply call me, tell me what you want to offer and I draw up the preapproval letter for the exact amount of your offer (think about it… why tell anyone how much you could pay? Keep that info in your back pocket for negotiations!)

The house still has to qualify.

The preapproval process will give you a better idea of how much home you can afford and can give you a competitive advantage when making an offer on a home.

A Prequalification just means that based on "what you told me" I can "probably" get you approved. It means nothing.

A Pre-approval letter on the other hand means that you have proved that you qualify with documentation, I have reviewed the information and I have submitted your file through an automated underwriting system that has responded with a preliminary findings report indicating that you qualify for a mortgage.

Always remember that the HOUSE has to qualify too!!

Preapproval takes 1-3 days from the time that you complete the 3 steps here and I have all the required information. 

Required information includes the name of all borrowers with SSN, the loan amount that you are asking to borrow, your income information, and some property information (just a general location is fine).

While there are home loan programs that offer to finance for FICO credit scores of 500+, I wouldn't recommend applying for a home loan with low credit scores. 

The lower your score, the more you will pay to borrow. It is MUCH better to spend a few months straightening out your finances before you buy than to spend years or decades paying a high-interest rate on a mortgage.

I have a Homebuyer Path Program with SmartCredit membership included (identity theft insurance, credit manager, score tracker) where I can help you work on your credit scores before you apply for your mortgage.

I will sit down with you and go over your credit reports. First, we look for errors and get those off. Then we look at negative remarks and what you owe to strategize a game plan. Everyone's financial situation is different and there are too many approaches to go over them all here. 

There are FEDERAL AND STATE laws that protect your rights when it comes to your credit reports and I will tell you for a fact that credit reporting agencies, collections agencies, and data furnishers stomp all over those rights EVERY DAY.  

In many cases, all we have to do is send a letter or two and that creditor that has been haunting you is done and off your credit report. In other cases, we may have to make a deal with a collector to make a smaller payment and still get the item removed. 

Whatever the case, we will go over it and decide what is best for your situation to get your credit report cleaned up and you financially ready to buy a home.

Sometimes we can get your score up quickly, sometimes we can’t. But I can work with you anywhere from 3 months to a year and get you to where you may be able to qualify for a great rate on a mortgage. So, if you have a good job for at least a year or two, I CAN get you into a house IF you listen to what I say when we are working together.

The cost is $49.99 per month.  Because I am a licensed FL mortgage loan originator, I cannot do it for free. That would be considered a RESPA violation (giving a gift, “kickback”, or inducement to get you to apply for a mortgage). You are NOT required to use me as your loan officer whether or not you decide to sign up for this program.

You can sign up here. The SmartCredit $49.99 per month subscription fee includes my fees for the Homebuyer Path Program and is paid directly to SmartCredit. When you are done with my program, the fee goes down to $24.95 per month for the maintenance program or you can cancel it completely. It’s up to you.

During the program, I will help you write letters to creditors, credit agencies, and collections companies to get items removed or corrected. I will explain how credit “works”, what mortgage companies and creditors are “looking” for when it comes to credit, and why “Credit Karma”, other “free” credit “help” websites, and some secured credit cards will actually KEEP you in the BAD CREDIT category rather than help you get out of it. Sign up for my Homebuyer Path program and let me help get you on your path to homeownership and set up your financial future for success! 

There are many loan programs that require a down payment or a funding fee. Even a 100% VA loan has closing costs.  However, we may find ways to wrap these costs into the loan or get them covered by a downpayment assistance program.

Typically a borrower is required to pay anywhere from 3% - 20% of the purchase price to close on a home. However, there are also many ways to cover this amount. 

Between grants, lender credits, and various other options, you may be able to pay $0 or even get cash-back at closing. 

We will explore your options, but you may be able to get into a mortgage for the same amount you would pay in 1st/last/deposit for a rental.

In some cases, sellers can pay some or all of your closing costs. I created an entire page that explains seller concessions and how sellers can help with your closing costs.