For Home Buyers

The Home Buyer's Guide

Congratulations — you've made the first step in the home-buying process: finding a Realtor to work with! Let Kevin guide you through every step.

The Process

Seven Steps to Homeownership

Initial Consultation

Review your Lifestyle Profile, identify wants and needs like commute times and neighborhood amenities, and sign a representation agreement.

Financial Preparation

Work with a lending partner to determine your ideal price point and comfort level. Getting pre-approved gives you clarity and shows sellers you're serious.

Home Search

Begin a targeted search matching your desires after establishing search parameters, desired neighborhoods, and price points.

Making an Offer

Craft a strong, competitive offer using Kevin's expert negotiation skills and 40+ years of market knowledge.

Inspections & Appraisals

The appraisal determines your home's market value. Home inspections reveal the property's condition and identify any needed repairs for negotiations.

Prepare to Move

Connect with moving services and utility providers for a smooth transition. Take advantage of Century 21's PODS partnership for moving containers.

The Closing

Coordinate with the title company and lender. Kevin provides continuous support with a dedicated back office team through closing day and beyond.

Financial Readiness

The Power of Pre-Approval

Mortgage pre-approval means a lender has reviewed your finances and determined how much you're qualified to borrow.

Factors That Impact Pre-Approval

Income
Assets
Credit History
Employment
Debt

Benefits of Pre-Approval

Gives budget clarity
Shows sellers your offer is serious
More confidence in securing a loan

Things to Avoid After Applying

Don't change bank accounts
Don't apply for new credit
Don't deposit/move large sums
Don't miss any payments
Don't make large purchases on credit
Don't co-sign other loans
Don't change name, address, job, or income

Before engaging in any financial activities, fully disclose your intentions with your lender.

Know Before You Close

Understanding Costs & Inspections

Closing Costs

Processing fees paid when property title transfers. Usually 3-6% of loan amount.

Appraisal

A report highlighting the estimated value of the property, completed by a qualified third party.

Inspection

A professional assessment of the home's structure, systems, and safety. Recommended for ALL homes, including new builds.

Escrow

An initial deposit on the home purchase that accompanies the offer.

PITI

Principal, Interest, Taxes, Insurance — the components that make up your monthly mortgage payment.

Credit Score

A number from 300-850 based on your credit history. Impacts your mortgage rate and approval.

Down Payment

Typically 3.5-20% of purchase price. Some 0% down programs are available.

Mortgage Insurance

Required for down payments less than 20%. Protects the lender if you default.

Pre-Approval Letter

A letter from a lender showing what they're willing to lend for your home loan.

Debt-to-Income Ratio

Your monthly debt divided by gross monthly income. Lenders use this to assess affordability.

Tampa Bay Living

Find the Home That Fits You

Waterfront cottages, new-construction townhomes, South Tampa bungalows, beach condos, suburban family homes — Tampa Bay has something for every stage of life. Kevin's helped clients find all of them. Browse the portfolio →