Buying a Home in the Stuart FL Area

Buying a home in the Stuart FL area can be a daunting undertaking. With the right preparation, your home buying experience can be smooth sailing and even fun with the right information and assistance. Schedule your free consultation today with the Mona Leonard Group. We'll walk you through the entire process and get you in a strong negotiating position. Buying a home in the Stuart FL area can be easy and stress free with the right Realtor.

Home Buying Can Be Easy

As your real estate consultants, we can help streamline the process of buying, making it easier for you. We're Top Pro Negotiators and aligned with top professionals in the industry to successfully assist you in making an offer for purchase. Correctly valuing properties is what we do best. When you know what a property is worth in today's market, you can negotiate a better purchase price.  

Interest Rates Over Time

Take a look at one of the best reasons now is a great time to buy. This is a 30 year history of interest rates for home loans. It's never been better than now to buy!

Paperwork And Vendors

Once an offer has been accepted, we facilitate the process to transact the closing. By working closely with mortgage brokers, title and escrow companies, home inspectors, appraisers, attorneys, accountants, moving and home warranty companies, we provide the best service possible. Making it look easy for you means we've succeeded in helping you achieve your real estate goals and made the experience a pleasant one. 

Curious about what’s happening in your Treasure Coast neighborhood? 

Create a custom market report to see what’s active, under contract, and sold in the neighborhoods that interest you. If you want to sell or refinance your your current home Get an INSTANT property valuation now!

To find out how we can save you money through the buying process Contact us today 

Here's how confident we are about helping you. Check out what we guarantee!

Free Buyer Consultation

We have proven strategies to help get you the home you want at the price you want. When buying a home in the Stuart Fl area, narrowing your search before viewing properties, helps make the process easier and less stressful. Helping you make a qualified offer, at the best possible price, is our specialty. You'll have expert knowledge of the market, values and strategies to create a successful offer and purchase!

Buyer Agency Agreement

We work hard to help our clients achieve their real estate goals. If, however, you're not completely satisfied with the services we provide, you may cancel our agreement at any time and for any reason.

New Listing Notifications

We're about putting buyers and sellers together to transact great real estate business. We'll search all day, every day and guarantee you'll receive accurate, new listings daily.

Faster Listings, More Listings, Accurate Listings

Our site allows you to search for homes just like a Realtor! We'll set you up on exactly what you're looking for to make home shopping fast, efficient and thorough. 

Buyer's Fee Waived 

Once we help you find your home, as long as it's listed on the MLS, all buyer fees are waived. Our services are 100% free to you, our buyer.*

Vendor Referral Program

New to the area? Busy with kids, work and moving? We are your resource for every type of vendor imaginable. From real estate attorneys to handymen, we have a vendor database with many in each category to choose from. They're reputable, trustworthy people you may need or want during and after the time of your home purchase.  

Financial Resources

If you'll be getting a mortgage, a professional can help you through the process of lender pre-approval requirements. Some of our preferred lenders can save you thousands at closing. There's no obligation to use someone we introduce you to. We hope you'll see the benefits for yourself when buying a home in the Stuart FL area.

Here's a quick list of items you'll need to share with at least one lender to determine whether you're qualified to borrow money. 

Loan Application Requirements

Here's a List of items you'll need to gather when speaking with a lender. 

• Pay stubs for the last thirty days
• W2's and/or 1099's for the last two years
• Tax returns for the last 2 years and YTD profit and loss (self-employed)
• All bank statements for the last two months
• Social Security, disability income and/or pension award letter
• 401k and retirement statements from all accounts
• Color copy of driver's license, Social Security card and/or green card, or military ID
• Mortgage statements, tax bill, and copy of homeowners insurance for any properties currently owned
• Copy of DD214 (VA loans only)
• For US military other documents may be required 

 

More Things To Consider

There are so many moving parts to buying and selling real estate. Here are some more things you'll want to consider when planning a home purchase. 

Property Taxes

When buying property, the amount you'll pay to local government in property taxes. If you're within city limits, you'll pay city and county taxes. Many people confuse the current taxes on a property with what will be paid when purchasing. This incorrect thinking can cause severe sticker shock when the buyer gets the statement showing costs at closing. This document is required by law, yet it's received 3 days before closing.

Wouldn't you rather know now what you may pay in taxes on a particular property? 

Click for Martin County's Tax Estimator

Click for St. Lucie County's Tax Estimator

Click for Palm Beach County's Tax Estimator

Click for Indian River County's Tax Estimator

Homestead Exemption

On a more positive note, after you purchase, if you'll be living in the property, you can claim homestead exemption in the state of Florida. New homeowners must apply for homestead before Mar 1 following the year of purchase. Your homestead is also "portable." You take it with you if you're selling when you buy.

 

If you will be selling a home when you buy, call us for a free in-home comparative market analysis to value your home and give you tips and strategies to get the most for your current residence. In the meantime, for a Quick, Free estimate, go to www.MartinCoHomeValues.com

What NOT to do before you buy

When applying for a home loan, lenders will require you explain any large deposits of money OR any large purchases within 60 days of your application. Be sure you don't buy major items and if you're receiving a gift from someone to purchase, you'll need a gift letter. In our current market, pre-approval is a required before you start looking at properties. 

 

 

* Must request at the signing of the buyer agency agreement