Full Service is Our Time Honored Tradition
At Coldwell Banker; full service is more than just a slogan. Our outstanding sales associates are highly familiar with the neighborhoods and communities, market trends and lifestyle options available throughout your area of interest. With a commitment to providing each customer with a full service real estate experience, you can count on us to work with you throughout the entire home search and negotiation process, and assist in finalizing the details through our convenient affiliated mortgage, title, relocation, home warranty and closing services. Let us exceed your expectations with our finest full services:

• Home buying services
• Home selling services
• Sunbelt financial services
• Sunbelt title services

In addition, results-oriented success. Choose Coldwell Banker, where full service has been a time honored company tradition since 1906.

Why you should work with a Realtor®  
Working with a professional Realtor to buy or sell your home is a good idea for several reasons: 

• We will analyze your financial situation to help you determine how much you can afford.
• We will analyze the current market to help you determine the right selling price.
• We are familiar with the process of buying and selling a home and can explain things to you.
• We can easily access information on all properties listed for sale by Realtors in your area.
• We can set up appointments for you to see homes or that might interest you.
• We will help you complete all the necessary paperwork when it comes time to make an offer.
• We will help you arrange financing.
• We will be there at closing to answer your questions and make sure everything runs smooth.

Choosing a Realtor®
Searching for your dream home can be a time-consuming experience. Working with a professional Realtor will make the process much more efficient.  

Since most people spend a fair amount of time with their Realtor, it is important to choose a Realtor you feel comfortable with, and one who is responsive to your needs. The following questions will help you decide if a particular Realtor is right for you:

• Do they return your phone calls?
• Do they ask you questions to determine what you want/need in a house?
• Do they perform a financial analysis to help you determine how much you can afford?
• Do they explain things clearly?
• Do they suggest financing methods?
• Do they seem knowledgeable about the community?
• Do you feel comfortable spending time with them?

Home Buying Services
Finding and purchasing a home that will meet your needs, now and in the years to come, is a significant and often stressful time. At Coldwell Banker, our goal is to make this transition as smooth as possible. Here are some tips that you may follow to help make the search for finding your dream home seamless.

Before you start looking for a home, you should ask yourself a few questions:

• Where do you want to live? Do you want to be near schools, shopping or work?
• What kind of house would you like (need)? Are you looking for a particular style? How many bedrooms and bathrooms do you want? Do you want a yard?
• How much house can you afford? Have you consulted a Realtor or mortgage lender to determine your mortgage qualifications?

Here are a few tips to help you get organized:
Pull a credit report on yourself to make sure the information is accurate. If you find any errors, take steps to correct them immediately.

• Browse through real estate advertisements in the newspaper and here on FloridaMoves.com. This will give you a good overview of the types of homes that are on the market and what they cost.
• Visit open houses on the weekends. It does not cost anything to look, and looking at a few different homes might give you ideas for features and amenities you would like in a house but have not considered.
• Start saving money - you will need to have cash on hand for a down payment and closing costs.
• Do not incur any additional debt. Pay down your credit cards and do not apply for any new ones. Do not make any major purchases on credit - buy the furniture or car later.
• Contact a Coldwell Banker Sales Associate at one of the offices in your area. Your Realtor can help you determine how much you can afford and provide you with information on homes that may interest you. The Sales Associate will also help you complete all of the necessary forms when it comes time to make an offer.    

How much house can you afford? Simply put, you can afford a house that costs as much as the largest mortgage payment you qualify for. 

A quick way to estimate the size of mortgage you qualify for is to take your gross monthly income (that's before taxes and other deductions) and multiply it by .28. This works out to just over 1/4 of your gross income.  

Mortgage companies use something called qualifying ratios to determine how much they will lend you. Most mortgage companies use either a 28/36 ratio or a 25/33 ratio. The first number in each pair is the percentage of your gross income that the lender would consider acceptable as a monthly mortgage payment (i.e. if you make $3,000 per month, 28% of that is $840 per month).

The second number in each pair is used when all debt payments are considered, not just the mortgage. (i.e. if you make $3,000 per month, but also have a $250 a month car payment, 36% of $3,000 is $1,080, minus the $250 car payment equals $830).

 As you can see, in this example the numbers work out to be almost the same. Obviously if you have more debt, you would qualify for less.  

Home Selling Services
Do not settle for single-level marketing - choose the fully personalized services of Coldwell Banker.

Level 1: Industry Standard Services
Every professional Realtor should offer most, if not all, of these customary real estate services. We handle the so-called standard services - open houses, printed materials, market analysis and more - with uncommon expertise to get better results for you. However, only a company with the reputation and resources of Coldwell Banker can deliver the basic "expected" services with such unexpectedly impressive results.

Level 2: Coldwell Banker Exclusive Services
Going beyond basic services, your Coldwell Banker sales professional will take your Custom Plan to a higher level - drawing on the wide array of resources and vast worldwide pool of homebuyers only Coldwell Banker can deliver. Thousands of buyer inquiries are directed to our sales offices via the Internet and our relocation department. No other company makes it easier to give your home maximum online exposure through not one, but three Web sites.

coldwellbanker.com ^__ The award winning, nationally advertised Coldwell Banker Online promotes your home on the Internet to a worldwide audience of potential buyers.

Realtor.com ^__ The most visited Web site on the Internet and the official site of the National Association of Realtors.

floridamoves.com ^__ Strongly promoted in Florida, our Web site offers our statewide property listings, offering potential buyers access to any home, anytime, anywhere.  

We put our relationships to work for you. With over 120,000 Sales Associates worldwide and nearly 8,000 throughout Florida, your future homebuyer is likely to be working with one of our Sale Associates right now. Our search for the right buyer doesn't stop locally. With our online resources and our Sales Associates referral network, we can find the right buyer for your home by searching worldwide.

We also highlight your property to millions of weekly readers by aggressively advertising in the region's most widely read newspapers and magazines.

Level 3: Sales Associate Customized Services
Your home is unique, and so are your needs. A cookie cutter approach just cannot get you the best results. Instead, your Sales Professional will design a unique Custom Plan to market your home - one that combines a personal wealth of experience, information, ideas, connections and creativity with the powerful resources of Coldwell Banker.
 

Sunbelt Lending Services
Coldwell Banker Home Loans and Sunbelt Lending Services are dedicated to providing you with superior mortgage services. Research indicates that 82% of homebuyers would prefer to rely on a Realtor to lead them through every aspect of the home buying process, and the convenience of a successful one-stop shopping experience with our affiliated mortgage services makes it easy.

We streamline the entire process for you by offering competitive rates, giving a same-day decision and meeting your requested closing date. You can also get answers from professional mortgage consultants and track the mortgage progress to avoid any surprises that would prevent you from becoming a proud homeowner.

 Coldwell Banker Home Loans offers:
· Fast, convenient mortgage services by telephone, online or in person 

·         Dedicated, personalized service

·         Guarantees:

§  To provide you with a same-day loan decision

§  To meet your requested closing date

Visit our website at; http://www.coldwellbankerhomeloans.com/

Sunbelt Title Services:
Property ownership is the heart of the American Dream, and protecting your rights against loss from claims on the property you buy is Sunbelt Title Services' commitment to you. As a partner with Coldwell Banker in Florida, our affiliated title company supports our customer satisfaction goals with timely and accurate closings. You gain peace of mind and assurance of a clear title, as the experienced team will maximize their resources and structure to resolve any issues that may arise before your closing date.

• Protection from on-record and off-record title defects
• Complete closing services, with full explanation by a title professional
• Financial strength and stability guarantees the highest quality services
• A title professional will explain the benefits of title insurance in protecting your investment
• Your best interests will be protected during a smooth, efficient closing