Buying a new home in Bradenton, Florida?

Buying a home is intimidating for many people, but it's not very confusing with a bit of up-front planning. We like to provide buyers with an outline of the whole deal so they understand exactly what to expect. Below are our nine steps to buying a home.

If you have any questions regarding any of this information or if you're ready to get started, simply contact us here or send e-mail to

Step 1 – Prepare to purchase a home
Prior to beginning your home search, there are several things you should do. You'll want to make an outline of must-haves, get an idea of what school districts you want to live in, and start planning around your budget. A good rule of thumb to go by is that your mortgage payment should be close to 1/3 of your monthly income.

Xena Vallone Realty Inc.

Step 2 – Talk to a real estate agent in Bradenton
This is where Xena Vallone Realty Inc can help. We'll plan a time to get together so we can talk about your real estate needs and get an idea of your future plans. We'll talk about neighborhoods, school districts in the Bradenton area, the mortgage industry, and any additional economic factors that might affect your purchase today or in the future.

In addition, we'll assist you with getting started on your loan. There are some very good mortgage professionals in Bradenton, and we partner with a lot of them, so you're in great hands. They can assist you with figuring out which type of loan is best for you and help you get qualified.

Step 3 – Begin your home search
After we meet, we'll start looking for available homes on the market that are a great fit for you. We'll research most of the houses and remove the duds, and then we'll set up appointments to tour the houses whenever it's convenient for you.

When we view houses, we'll point out positive features, as well as negative ones. we'll even ask you to point out what things you like and don't like. Oftentimes, buyers revise their wish list as we view houses and some things become more crucial than others. If that's the case, we'll go back through all the listings one more time and trim it down to the home you've been wishing for.

Step 4 – Understand the housing market
An agent's awareness of the Bradenton home market is a fundamental agent in your home search. And we assure you we're very familiar with all the neighborhoods and school districts, and we'll alert you to what districts are "hot" and warrant prompt action and the others that are "cold" and allow for thoughtful examination.

Xena Vallone Realty Inc.

As we view houses, we'll make sure to communicate when the list price has room for bargaining and when I think the house is "priced to sell." Be on guard and make sure you ask your agent a lot of questions, as every real estate agent will convince you they comprehend the housing market. If things don't add up, contact us at 941-706-1717 or e-mail us at, and we'll be glad to answer your questions. Our market expertise will help you stay a step above the rest throughout the entire process.

Step 5 – Find the house you've been looking for
We're certain we'll find your dream home in the Bradenton area, and when we do, we'll carefully create your real estate purchase offer. The offer will be made with your needs in mind. Whenever necessary, We never forget to make contracts contingent upon items like acquiring financing and the results of the home inspection.

When submitting your purchase offer, you'll probably need to submit "earnest money." This is a cash deposit made to the seller to secure the offer to purchase the property, and it's usually applied to the closing costs. If your offer is accepted, we should close about 30 to 60 days afterward. This allows necessary time for your mortgage financing.

Step 6 – Negotiate the deal
Most deals don't close on the first offer – it's pretty common to receive a counter offer. But don't let this intimidate you. We'll talk over whether or not to consent to the counter offer, propose our own counter offer, or reject the seller's offer and go on.

How aggressively we negotiate the deal depends on the state of the market. In addition, we'll work within your budget. And at the end of the day, we'll assemble a deal that's best for you.

Step 7 – Obtain a loanXena Vallone Realty Inc

Once the contract is finalized, you'll start working with your lender to close the loan. If you're pre-qualified, it won't take much time at all. But you'll want to stay in close contact with your mortgage lender. And we'll look after all the property information your lender will need to close the loan.

Step 8 – Close the deal

Within three days, you’ll get a Loan Estimate (LE) designed to provide disclosures that will help you understand the key risks, costs, and features of the mortgage loan you’re applying for. Feel free to ask any questions you may have about this.


Step 9 – Move in
Success! Now you can move into your new home. Enjoy it. And if you need anything, make sure you contact us at 941-706-1717 or send us an e-mail.

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