We understand that it is a challenge whether you’re coming from outside the region or moving locally. Your choices are many. You can expect an experienced and professional team to help you understand all the options, from beautiful, friendly suburbs and subdivisions, to acreage, waterfront properties, or city homes. Our agents can provide you with insights into local schools, transportation, amenities and more. We know that these decisions really matter, and that’s why people choose Hughes Shelton Group to help them move into the area –we handle families with care.
Tampa Bay offers some of the best public school districts in the country. We also have information for your perusal concerning private and church related schools. For information on Bay Area schools, and additional community information, please refer to our Directory.
Begin your home search knowing exactly what you can qualify for when looking for a home. Becoming pre-approved for your mortgage helps put you in a position of strength when negotiating for your home. It will amaze you how quickly this can take place.
Pre-approval is an important first-step before you begin looking for a home, and it helps you determine how much home you can really afford. Getting pre-approved requires that the lender verify your financial information, and it serves as a commitment to lend a specified amount based on that information. This gives you significant buying power with a seller who recognizes you will be approved for a loan.
Pre-qualification is an informal discussion between borrower and lender. The lender estimates the amount that you can borrow based solely on what you tell them about your income and assets. The lender does no verification and is not bound to make the loan when you’re ready to buy.
To a seller, a lender’s pre-approval letter is considerably stronger than a pre-qualification letter. Loan pre-approval is based on documented and verified information regarding your employment, your income, your liabilities, your assets and the cash you have available to close on a home purchase. If a seller knows your financing is secure, your offer is stronger.
Pre-approval also offers you these benefits:
There are many lending institutions that can arrange financing to suit your individual needs. Please ask us about local lenders so you can compare rates and programs best suited for you.