Welcome to Miami Miguel Frias Garcia agent real estate specialist and mortgage loans. Are you seriously thinking about buying, selling, or refinancing a property in the area of Miami or Broward County? Service and experience, accredit us as the first international real estate agency, we have thousands of houses and apartments to show, certainly now is the best time to buy property prices and mortgage loans have fallen a lot do not expect more The consultation is free call now miami dade: miami dade: 305-407-3547 broward county: 754-777-0807 thank you and congratulations !!!!

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Save Your Money when You Buy with Us

Without the aid and assistance of a professional Real Estate Agent, purchasers often pay far more than fair market value. It is not uncommon to hear horror stories where thousands of dollars were wasted because the market was unknown.

Market areas differ - what you sold your last home for does not necessarily equate to equal pricing structures in your new neighbourhood. Smart World Real Estate will know what is locally considered good value for investment dollar. If you are relocating to a new city, engage the services of a local Real Estate Agent who intimately understands the fluctuating market trends and will provide a comparative market analysis on the home you wish to purchase.

Finding the right home to meet your familys needs is hard enough. But knowing how to avoid paying too much for that home once youve found it is another job entirely. As someone who has helped countless buyers find their dream homes and save money at the same time, Ive developed this guide to help you avoid the pitfalls inherent in the home-buying process.

Ill show you not only how to make sure youve found the right home, but also how to negotiate a price to your advantage. In todays complex, fast-paced market, you cant afford to learn these lessons through trial and error. The tips contained in this report will go a long way toward making you a savvy buyer.

Tip No. 1

Know what youre shopping for before you start.

Before you begin shopping, understand that there are two homes out there vying for your interestthe one that meets your needs vs. the one that fulfills your desires. In a perfect world, youd find a home that satisfies both. But since this isnt a perfect world, youre going to find yourself confronted with choices. Do you choose the three-bedroom home with room for your family to grow, or the one with the big back yard and deck thats perfect for entertaining? Is having a big kitchen more important to you than a few extra rooms?

When you start shopping, youre going to find homes you fall in love with for different reasons. Thats why you should list the features you want before you start shopping. Use the form provided at the back of this report and break your list into two categoriesNeeds and Desiresand prioritize the items you come up with.

Understanding what you really need as opposed to what youd like to have will help you keep your priorities straight as you shop around. Ive seen people fall in love with a home for the wrong reasons, then regret their purchase when the home fails to meet their needs.

Dont let emotion cloud your judgement. Satisfy your needs first. If you find a home that meets your needs and fulfills some of your desires, so much the better. The important thing is to know the difference before you get caught up in the excitement of the hunt.

Tip No. 2

Shop for a mortgage before you shop for a home.

Getting a loan pre-approval is the smart way to shop for a home. It tells sellers that youre a serious prospect, and you know in advance the maximum mortgage you can afford. Make sure you get a commitment in writing. Ive seen many buyers make the mistake of learning what they qualify for but not getting that pre-approval in writing.

The good news is that its easier than ever to qualify for a home loan. Lenders have modified qualification rules and created programs designed to help people even if they have problems in their credit or employment histories. Many programs call for dramatically reduced down paymentsthe biggest obstacle for first-time home buyers in particular.

Tip No. 3

From picking a mortgage to finding the right home to inspections to negotiating the best deal, it can be exhausting for even the hardiest souls. Thats why most people have a Realtor in their corner.

A good agent has the knowledge and experience that come from years of helping both buyers and sellers. He or she also has a team of other professionals to put at your disposallenders, lawyers, home inspectors, movers, etc.

Most sellers you encounter are certainly going to have professionals in their corner. Having a pro on your team is the best way to make sure you get the best deal possible.

Tip No. 4

Make sure your Realtor knows what you are looking for.

Once you have a clear, detailed picture of the home you want, make sure your agent has the same picture. This communication is critical. Otherwise, youll both waste your time looking at homes youre really not interested in. Also, make sure your Realtor knows your priorities. Your shared goal is to find a place that meets all of your needs; your Realtor will then try to satisfy as many of your desires as possible.

A good Realtor will ask you several questions about what youre looking for and what you can afford. And theyll listen carefully to your answers.

Tip No. 5

Its a clich, but...location, location, location.

The desirability and resale value of your home-to-be depend on location more than any other single factor. Again, dont let emotion get in the way of a wise investment. No home is an island, and the value of yours is affected by the homes that surround it.

Assuming youve already considered the elements that make up a desirable communitycharacter, quality of schools, access to work places and services, recreational facilities, etc.there are several elements that combine to create a good location.

Your first consideration is the neighborhood. Every neighborhood has its own unique character; you need to make sure youd be comfortable in the one youre thinking of living in. Take a long walk and observe carefully. Do people take care of their yards and homes? Are the yards fenced? Do children play in the streets? Talk to the neighbors and ask questions that give you a better feel for the area. But be careful not to appear judgmentalyou might be talking to a future neighbor.

Tip No. 6

Use your agent to narrow the prospect list.

A good agent brings to the table an in-depth knowledge of the current housing inventory in his or her area, and continually updates that knowledge by touring homes as they are placed on the market. This is to your advantage. Trying to personally see every available home that might fit your needs would be an overwhelming process. If you are thorough in communicating your needs and what you can realistically afford, then your agent can help you narrow down the list of prospective homes to those that best suit your needs. This will save you much time and energy. When the time comes to settle on one home, you can do it with the confidence that youve made a well-informed choice.

A complete working knowledge of the available homes in your area is your Realtors strongest asset. He or she updates this list every week.

Tip No. 7

Dont ignore red flags when evaluating a homes pluses and minuses.

When evaluating the advantages and drawbacks of a particular property, be sure you know the difference between acceptable and unacceptable problems.

Some issuespeeling paint, worn carpeting, ugly wallpaperare cosmetic and can be easily remedied. In fact, you can use these problems during negotiations to lower the asking priceafter all, youll need to spend money to bring the house up to snuff. Make careful note of what you see that can be used to your advantage. Dont nit-pick, howeverif taken to extremes, you could end up alienating the seller and creating a hostile atmosphere.

Other problems may be warnings to walk away. Major foundation cracks, evidence of previous water damage, signs of serious dry rot or termite damage, antiquated electrical systems or plumbingany one of these may be cause to reconsider your interest. Dont let a houses positive attributes blind you to very real problems. If you do, the chances are good that youll end up spending much more money than you ever expected down the line.

Tip No. 8

Hire a professional home inspector.

In my experience, spending a few hundred dollars on a professional home inspection is the best investment youll ever make. A professional inspector brings experience in examining a great many homes, good evaluation standards and an unbiased perspective. And a written report can be an excellent negotiating tool.

A Typical Inspection Looks at:

  • Foundation (slab, crawlspace, basement, etc.)
  • Electrical, heating and plumbing systems
  • Floors, walls and ceilings
  • Attic
  • Roof
  • Siding and trim
  • Porches, patios and decks
  • Garage
  • Property drainage

    Make sure you accompany your inspector on the tour. You'll learn a lot about the home your thinking of buying. Once you have your evaluation, the decision to proceed is yours. A home inspector only gives you a professional opinion of the homes condition, not advice as to whether or not you should buy.

    Tip No. 9

    Ask for a written comparative analysis.

    One way to ensure that you don't offer too much for a home is to ask your agent to prepare a written comparative market analysis. A CMA will show you the sale prices of comparable homes in the neighborhood. It also lists the asking prices of other homes in the area currently on the market.

    You may find that the asking price is above what comparable homes in the neighborhood are actually selling for. Or you might even find another home in the area that a better bargain. When you make an offer, you can use the CMA as evidence to show the seller why you believe your offer is a reasonable one.

    Tip No. 10

    Once you're ready to buy, move quickly. Good properties move fast.

    Once you've made up your mind to buy a home and you've lined up your Realtor, be prepared to make decisions quickly. If you find the right home today but aren't ready to buy until tomorrow, you may already be too late.

    Tip No. 11

    Learn as much as you can about the sellers situation.

    Its true what they say: Knowledge is power. The reasons behind a sale can often be used to your competitive advantage during negotiations. For example, a seller whose company has transferred him to another city is probably more motivated to sell than someone who is still looking for a new home.

    Other signs of a motivated seller include a vacant house, or a house that been on the market for several months with several reductions in the asking price.

    Tip No. 12

    Keep your own situation to yourself.

    Information can be used against you as well. How much you're willing to spend, the size of mortgage you can afford, your move-in deadline it all can be used to extract more money out of your pocket. Be sure to tell your agent everything he or she needs to know to be effective on your behalf how much you have for a down payment, the size of the mortgage you can afford, etc. However, keep your personal circumstances and timeline to yourself.

    Tip No. 13

    Check your emotions at the door during negotiations.

    One of the costliest mistakes you can make is letting the sellers know how much you love their home. Once you've let it slip, you can just about forget about negotiating the price the other side knows how motivated you are. In fact, a seller may see it as an opportunity to squeeze a little more money out of you even when you've made a good offer to start. No matter how wonderful a home is, no matter how much you want it, keep it to yourself.

    Tip No. 14

    Stay out of bidding wars.

    Sometimes, the sellers Realtor will try to scare a hesitant buyer with the threat of another serious potential buyer. Don't fall into this trap it will only cost you money. If there is another buyer, then the sellers agent will try to get a bidding war going. In these situations, whoever wins also loses because the buyer ends up overpaying.

    If there isn't another buyer, there a good chance that the other deal will fall through and the sellers agent will come calling. Be sure to let the other side know that you might be interested if that happens before you walk away.

    Tip No. 15

    There is more to buying a home than the mortgage.

    Don't forget to factor in mortgage insurance, appraisal fees, inspection fees, transfer taxes, title insurance and every other dollar you'll have to spend in order to know what you're really paying for your new home.

    A word of advice is to be aware of additional costs above and beyond the final negotiated price of your home. Know how much you are really paying for your new home.

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