Buying

What a Realtor® can do to help you buy the right property?

They will help you determine how much you can invest in a property, without jeopardizing their financial stability.

They will help you develop a realistic idea of what is the best option for you including – size, style, features, location, accessibility to schools, transportation, shopping, and other personal preferences.

They have access to a list of all available properties in the multi – list system, can evaluate regarding your needs and affordability, and will not waste your time showing inadequate housing.

You can supply information on real estate values ??, taxes, utility costs, municipal services and facilities, and may be aware of proposed zoning changes that could affect your decision to purchase.

They help negotiate the best price and the best terms for you, acting as a liaison between you and the seller to present offers and counteroffers until an agreement is reached.

They can help familiarize you with the closing process, and they will obtain closing figures before closing for review.

 

Steps for a successful purchase of a property:

1 – A Realtor, can advise and assist you throughout the buying process, making it easier and help you save money, with advice at no cost to you.

2 – Plan Develop a plan to purchase a home can help you focus on the most important factors and organize the entire process.

Carefully review your monthly spending budget and clearly define how much is the most you ‘re willing to pay monthly for the property ( Remember to pay Mortgage, Insurance, Taxes and HOA fees some properties )

Define the size, style, and features of the property that best suit their needs.

Define location according to your personal preferences, accessibility to schools, transportation, shopping, and more.

The establishment of ” criteria ” early on will save time shopping and may keep you from buying a home on a whim. Your main reason for buying a home should be the value you are getting for your money.

3 – Pre-approval Loan Contact your financial institution or through a Mortgage Broker to be pre-approved for a home loan. This pre-approval will set the maximum price we can buy. A lender typically uses the 28% formula ( your monthly mortgage can not exceed 28 % of your monthly income ) in approving your loan. Start looking propertiesWith the features, location and the defined price, Realtor, and you visit and evaluate the properties that fit these criteria. Then the property that best suits your needs (cost, location, features, ..) is chosen. Submit an OfferWhen you’ve identified the home you want to purchase, your Realtor, and you define what the appropriate value that is being offered by the property and a contract will be written. This contract will analyze the property seller to make a decision. Your offer may or may not be accepted for any number of reasons. You have to have other properties defined as a second option.

4 – Acceptance of Offer Once your offer is accepted, a deposit of money (usually non-refundable ) will be held, and the processing of the end begins. The title company examines the title to have no problems prior sales. And the lender takes the entire loan process.

5 – Inspection To prevent the property has any major physical problems that can not be seen with the naked eye, the services of an inspector are hired to technically review all areas of the property and define not run any risk buying it. Pay for a qualified home inspection before you buy a home is not just spending “a little more ” for peace of mind, is essential for anyone who does not want to spend thousands of dollars in repairs.

6 – Closing and delivery The day set for closing, transfer of the property is signed and the keys are delivered. Now you can enjoy your property.

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Biography: Sabrina Ozon

Sabrina is native of Buenos Aires Argentina, and she has been part of our team for the last four years, her background is in marketing and advertisement, she is our administrator assistant but also our marketing manager. Sabrina is our expert designer who works all of our marketing campaigns, business cards designs, training material assembly and social media materials.

Sabrina is a great asset for our company she brings support and Excellent service to our associates and her talent, creativity and dedication is a plus,

Always Available and very patient with our agents and customers, her primary goal is to provide the highest customer service and exceeds their expectations.

Sabrina manages every aspect of the transaction from illustrative listing presentations, signs, marketing flyers, open house and media advertising and all agents marketing needs.

Sabrina enjoys to spend time with her family; she loves the beach and drinks mate with friends and closed people.

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Biography: Yamilet Cue

Yamilet is originally from Matanzas Cuba; She studied Philosophy at the University of Matanzas “Camilo Cienfuegos” She handles all administrative aspect of the office.

Yamilet is very knowledgeable and an excellent resource for our agents when it goes to training material or filing process, she handles the contracts and commission disbursements along with all other transaction Files.

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Biography: Yunier Figueredo

Yunier is our HR Specialist and Agent Relation Manager, he handle the membership segment of our company, he is responsible to screen potential agents interesting on join our team, he find the right talent and is always looking for individual with great attitude, sales experience and self-motivate who wants to take their real estate career to the next level.
Yunier has a great sense of humor and outgoing personally, he enjoys meet new people and he is full happiness.

Yunier arranges management interviews by coordinating schedules and build sources of recruiting to invite real estate professionals to become part of our team.

He loves to travel around the world, he loves spend time with friend and is a great host, one of his favorite hobbies is going to the gym and the foreign food taste.

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Biography: Diana Orozco

Diana was born and raised in Colombia, South America, came to the United Estates very young and graduated in Naples High school. A few years later earned an associate of arts in business administration and marketing from the Edison Community College, and a major in communication and advertisement from University of South Florida USF; Simultaneity, Owned and develop the Hispanic newspaper "Nuevos Ecos" along with “Estilo Florida” Hispanic Real Estate magazine. Late in 2004, she began her career in real estate; serving the median and low-income families, helping them to find a place to call home. Since then, she specialized in government loans, county down payment and housing assistance, as well as the Florida hardest hit Programs.

Diana is a self-motivated and passionate about helping others; actively involved as a volunteer in different non-profit organizations and well recognized by the media for her strong media/ marketing background. On 2007 after the housing market crashed in SW Florida, she specialized in the management of distress assets and the mitigation process for short sales transactions. She established a strong relationship with lenders and financial institutions who far along in her career trusted her the management of their assets and made her one of the top ten distress/REO listing agents in Collier County. Today, she still handles distress properties, but now she has a team of twelve real estate agents who cover seventeen counties on the East and West coast of South Florida. She is an active member of several boards across South Florida and member of the East Coast housing development Group.

As a Broker/Owner of Xclusive Homes, She is proud to share her experience.

Twelve years of experience in the local real estate business.
1031 Exchange Specialist.
Florida certified Notary Public.
Attorneys Title Insurance Fund certified in Real Estate closing procedures

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Biography: Javier Canizares

Javier was born in Mexico City in 1944 has been a resident of Naples for the last 13 years, he holds a degree in Business Administration from National University of Mexico- 1968 and a Diploma in Business Direction Sponsored by Harvard University - 1995, he is fluent in English and Spanish.

He is the headmaster Mentor for our office and also a Broker Associate, NABOR Member since 2004, He has specialized in Residential Real Estate representing buyers and sellers in successful transactions and distress market for the last nine years.

He has been successful executing short sales and ensuring client satisfaction in the process.

Javier is uniquely qualified to meet the needs and wants of prospective buyers and sellers. He has been with Xclusive Homes for over three years. He appreciates that the brokerage offers a flat fee, 100% arrangement, and a profit share through the mentor program.

Javier is Married, and have three children and seven grandchildren. His hobbies include bowling, reading, traveling, family oriented activities and bicycling.

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Biography: Ernesto Velasquez

Ernesto is Originally from Colombia He has resided in the beautiful Southwest Florida town for over 13 years. He made his way from Boston Massachusetts to sunny Naples, Florida in 2004 when the area prospered and the real estate and construction market had a boom.

He finds in Naples a great town for him and his family. He enjoys walking Naples beautiful sandy beaches with his wife Julia and his little gemstone; his Granddaughter Juliana they are the biggest treasure of his life. What he loves most about the area is the abundance of golf courses, the white sand beaches, and the lifestyle.

Ernesto has over 20 years of experience as a Real Estate Broker from Boston Massachusetts, and he is one of the mentors in our office. He loves to teach and share his knowledge with our new associates through his experience on every transaction, and his passion is to be involved with the community and the civil organizations as well as he is an active member of the San Agnes Church.

Ernesto enjoys showing properties in all Naples Florida, especially waterfront properties, and golf communities. He has a wealth of information about Naples Real Estate, Gated Communities, Estate Homes, New Construction, and Naples Waterfront Properties.

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Biography: Gloria Velez

Gloria is an experience broker associate and rookie's mentor in our office; involved in Southwest Florida real estate industry for over ten (10) years. Her background comes from Colombia, South America where she holds a professional license of civil engineering; she also has a science's associate in accounting from Edison State College.

Gloria has a strong sales personality, and a heart to serve people, she loves to meet new people and help with "Solving the problem” weather be selling or buying she use all her knowledge and expertise.

Outside of work, Gloria likes to spend her time at the gym and bonding with her family. She has two sons of whom she is very proud; Matthew, 12, and David, 10, they are both actively soccer players, disciplined and good kids.

Gloria has served in multiple organizations and her tallies experience of years working as a real sales representative for developers in local communities. She is also a Public Notary and a 1031 Exchange specialist.

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Biography:Carlos Miranda

Carlos is originally from Colombia; He is bilingual speaking both English and Spanish. He resides in the beautiful Naples, Florida for the last 16 years.

Carlos has more than 18 years of experience in sales and customer service. Before his Real Estate career, Carlos spent many years in the Food & Beverage industry, while working in retail, he learned and developed skills in management, human resources, and public relations. He enjoys to teach with patience and dedication his coworkers and help them succeed on their first transactions; he is an excellent mentor and asset for our team.

He has achieved many awards from highest customer service, great attitude and dynamic behavior with his coworkers and clients.

He has specialized in residential and commercial real estate for over ten years. He has worked with clients around the US as well as people from all over the world including investors.

Carlos loves helping people make their dreams come true and achieve their goals; his hobbies includes bicycling, swimming, traveling to "La Alborada" his farm home closed to Medellin, Colombia, watch play soccer and cheer for his son "Carlitos" who proudly is a professional athletic champion.

Carlos is a very family oriented; he enjoys to spend time with his wife Liliana, his two daughters Paula, Isabel and his youngest son Carlos, along with his grandchildren.

You will find that He is honest, loyal, and committed to his clients. He is always available whether it be via phone, text, or email.

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