Why buy with us?
Everyone dreams of owning their own home. When buying your first home, it can be a very exciting, yet anxiety filled experience. However, if you know what to expect during the home buying process you will be more relaxed and comfortable knowing that we will be by your side every step of the way guiding you through it and looking out for your best interests. Below are some of the things we will be helping you with along the way!Start your Home Search Here
Setting a Budget
Before the house hunting process begins, it is important to know how much you can afford. Expenses to consider include the down payment, monthly expenses, property taxes and any home insurance costs. These will all have to be considered before the home buying process begins as they are typically included in your new monthly payment. Since a person’s credit score determines their interest rate, knowing your score ahead of time can help you decide if now is a good time to buy or not. An individual’s debt-to-income ratio must also fall within acceptable limits of the home’s cost. Once you have determined these things, and if you feel that your budget has enough room to afford a new home, then its time to begin the home buying process!
When looking for a loan, be sure to get more than one loan quote to get the best interest rate and loan terms for your mortgage. Different banks and companies will offer different loan origination fees and by shopping around you can often times save yourself a lot of money. Be sure to also check your loan officers website for testimonials and information. A good loan officer will offer you many online resources and tools. Before you lock in your rate, be sure to check the daily rate with the rate your loan officer gives you to ensure you are getting the lowest rate possible. Interest rates will determine how much a mortgage will cost each month and come in fixed or adjustable terms. Mortgage lengths can range from 15 years to 30 years with some loan providers now offering 40 year mortgages as well. The longer the repayment term, the lower the payments will be. However, the interest accrued will also be higher on a longer loan.
Making an Offer & Negotiations
There is an art to making an offer on a home. Typically, sellers place their home’s value a little higher than their desired price. A buyer will send in a lower bid, in a reasonable range, and the seller will counter with an offer somewhere in the middle. We will be watching for signs of problems in the home and will make suggestions to you regarding the offer. Listen closely and be sure to ask questions, as your offer is an important part of buying a home. You want to make sure all of your bases are covered. That’s where having us as your Buyer’s Agent is most valuable so your rights and interests are protected. With our experience on your side, we will be able to help you negotiate a lower price that sometimes includes concessions or closing costs and avoid homes that have problems. Our job is to protect YOU in the contract.
Escrow and Closing Costs
Before the home is legally transferred to you, the closing process must occur. During this phase, you will sign all of the mortgage documents, pay closing costs, and sign various other legal documents. We will be there to help you through it all. Once all of the papers are signed and monies are transferred, the keys to your new home are yours! The only thing left to do is move into your humble abode. This may occur immediately after the closing or at the date set in the closing documents.
Better Home Search
Our website has the best online tools to search for your home! In fact, it’s even better than Zillow, Trulia and the many other real estate websites out there because our site is directly connected to the local MLS! What does that mean for you? Accuracy and Advantage! When you search homes here, you get the most up to date homes and properties available with the most accurate information! AND, if you sign up for Deal Alerts, you will get alerted of NEWEST Property matches & Price Changes BEFORE any other site has them! First, start by trying one of our Search tools in the menu. Try the Advanced search to choose specific options & customize your results based on all of the things you wish for in your new home. Second, Save your Search and you will be set up for auto alerts when a new home hits the market that matches! You can also try the Map search which offers a unique perspective by allowing you to use the polygon tool on the side to create boundaries on a map around the areas you want to live in. Already know the address of the property you want? Try the Address Search. OR if you have the property ID you can use the Listing Search to search by MLS#. Find a home you like? Simply click on the Schedule a showing button and send us an alert. We will schedule the time and confirm with you once it is set up! Once you have started searching, be sure to check out your My Account page so you can manage your Saved Searches & Favorite properties. The My Account feature has a ton of great tools designed to cater directly to you and provide you with a home-buying experience. And it’s Mobile friendly!
Lenders normally require that you insure your home. Home Insurance Policies cover the costs to fix any damages that might occur to the home. The price of this insurance is dependent on a home’s age, location and value and the insurance company you choose. Be sure to call around and get several quotes or ask us for a list of vendors we work with. Insurance agents will oftentimes be able to take your information over the phone and get back to you the same day with a quote. Once you choose a company to insure your new home, the cost of that policy is normally added into your closing costs and sent into an escrow account to be paid to the insurance company directly the first year.
Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late. If you need help finding a Home Inspector, ask us! We can give you recommendations for many service providers that we work with all the time!
Working with Mr. Beaza takes the stress off of home buying
Working with Mr. Beaza takes the stress off of home buying. He is not only a realtor he is a person who really dedicates his time to get you what your looking for. I’ve worked with realtors before and their main concern is there pockets. It has not happened to me with Mr. Baeza that’s why he is my go-to realtor.
He helped me find the perfect home.
Albert is a great reliable guy that is very helpful and really puts his mind into helping you into finding a great home! He helped me find the perfect home.
I recommend to all buyers
Excellent, deep market knowledge, very professional and charismatic. I recommend to all buyers. I am very pleased with your help and advise. Right now I’m using again for a new purchase.
I don’t know how you could ask for a better agent.
This was the second time we used Albert to purchase a home in Cape Coral. I don’t know how you could ask for a better agent. He knows all aspects of the sale and area. He was especially helpful with getting utilities, insurance, inspections, closing and even moving into our new home. If you want someone you can trust and work hard for you then Albert Baeza is the realtor you want.
It will be the best real estate call you can make.
What an amazing experience it is to work with Albert. When we started the process we were nervous and unsure about what to expect in this market. Albert was tremendous at explaining things and helping us to understand the reality of Real Estate in this area. He knows so much about Cape Coral and the surrounding areas that it will blow your mind. His grasp of mortgages and how to prepare for a loan is second to none and he was able to walk us through the process with ease and confidence in his lenders. Albert was wonderful and we, my wife and I, now see why Albert was one of the top 10 realtors in Florida and in the top 100 in the country. He was gracious, knowledgable and on top of our deal from start to finish. At no time did we feel like we were being left out of the loop. His wife, Christine, was an amazing hostess and is a local artist that further wowed us and the process. Do yourself a favor and call Albert when you are looking in Cape Coral or Fort Myers. It will be the best real estate call you can make.
I am very blessed to this day that he got this home for me
I was searching for a home with a particular criteria and being a single mother, I also had a certain price range. Albert Baeza helped me find the perfect home and got it for me at the affordable price. He is such a blessing to those around him and has high moral and personable standards. I am very blessed to this day that he got this home for me and he also has helped two other family members of mine find their dream homes..THANK-YOU Albert Baeza! We love and APPRECIATE YOU!