Ocala Real Estate for Sale

For Buyers


Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Our services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, we also provide listings by email. We pride ourselves on repeat business and hope you'll come to understand why.

How We Can Help
Before you start looking
Closing Costs

As Your Agent, We Will:

  • Assure that you see all the properties in the area that meet your criteria.
  • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

  • Check your credit rating. Straighten out any errors before its too late.
  • Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
  • Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
  • Choose a REALTOR® that you trust and who understands your needs.
  • Determine what neighborhood best matches your needs.
  • Identify important features you need your new home to have.

Closing Costs to Expect:

  • Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
  • Third-party fees include charges for insurance, title search, and other inspections such as termites.
  • Government fees include deed recording and state & local mortgage taxes.
  • Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Find out how much your closing costs could be.  

 

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ATTENTION!  GREAT NEWS! 

Many First Time Home Buyers and those who have not owned a home in the last 3 years can take advantage of President Obama's $8000 tax credit !  It's possible that you could receive $8000 in the mail from Uncle Sam and OWN YOUR OWN HOME instead of paying for someone elses property! 

 

$8000 Home Buyer Tax Credit !

Have you heard the great news for all those wanting to buy a home, who have not owned a principal residence in the last 3 years? The government is offering an $8000 tax credit program available for those whose annual income does not exceed $75,000 (individuals) or $150,000 (joint return). (The income limits actually phase out at $95,000 and $170,000.)
You may receive the $8000 credit even if you have not paid $8000 in taxes, and the $8000 does not have to be paid back as long as you occupy the home for at least 3 years. (For those who are still not clear on this..... if you were getting a $200 rebate on your taxes, that would jump to an $8,200 rebate. ) In order to qualify, you must purchase the home to be used as your primary residence. Unfortunately, this opportunity is only available from, January 1, 2009 to December 1, 2009. This means that you have to close on the home purchase by December 1, 2009, of this year. It is good to plan on 60 days to close on a home after you have found the home. That means that it would be best to have a contract on a home by October 1, 2009, at the latest! Since we are almost into April, those wanting to take advantage of this program have only about 6 months left to take advantage of this $8000 tax credit!

This information is general in nature, and it is always best to call a tax specialist for details.

If you are a first time home buyer, or have not owned a primary residence in the past 3 years, you may not get another opportunity like this! There are three dyanmic factors working in your favor at this point in time!
1) The interest rates are at all time lows, allowing you significantly lower monthly payments!
2) Bank owned properties are available at great prices!
3) The $8000 tax credit from Uncle Sam is now availble for a few short months!

Don't let this opportunity pass you by! Call me today! I have a "Buyer Information Sheet" that I will use to determine what is important to you in a home, (i.e. number of rooms, area of town, schools, price range, etc.) . Then the search is on! It's easy! It's exciting!
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Lewis & Pam Culbreath
REALTORS - Real Estate Consultants
Specializing in Serving You!

Honesty - Service - Excellence - Results! 

 1-888-596-2252

Click Here to tell us more about you and let us know what you are looking for.

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Lewis/Pam Culbreath

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