2. Realtor Sales Associate
• As a Watson Real Estate Associate I am here to guide you
through the many steps of buying a home. At Watson
Realty we work as a team to insure you are satisfied with
our expertise and understanding of your real estate needs.
3. Listings are available in
All Jacksonville
Locations
Duval Cty, St. Johns Cty, St Johns Town
Center, Amelia Island, Orange Park, Ponte
Vedra, Beaches Areas, etc.
4. Know your budget and
what price range you
would like to stay within
• Get an approval for a mortgage from the bank
• W-2 forms for the past 2 years
• Federal Tax Returns for the past 2 years
• Last 2 months bank statements
• Long term debt information such as credit
cards, auto loans, etc.
5. Getting Approved you can afford the
• A lender will check your credit to see if
loan
• If your credit is poor, there are things you can do to
improve it
• Make sure the report is correct. If not, call to fix it.
• Begin to pay your bills on time.
• Use two to four credit cards
• Keep an accurate checking and savings account
• Show job stability for a few years
6. Pre-approved vs Pre-
Qualified
• Pre-approved: confirmation the lender will give you a
commitment to loan you the money for the mortgage
• Pre-qualified: an estimate of what you can afford
• Being pre-approved makes you look better to the seller
when making an offer
7. Which Mortgage Should
you Take
Fixed Rate Mortgage: the interest rate stays the
Same for the entire term of the loan
Adjustable Rate Mortgage: the interest
rate is linked to a financial index and may
fluctuate with market conditions.
Therefore, payments may change over the
life of the loan
8. Your Budget Calculation
To estimate your budget, add up your total financia
Worth and then subtract all the cost in the purchase
Some expenses you may carry:
• Down payment
• Mortgage
• Insurance
• Points
• Taxex
• Attorney’s fees
9. Now You’re Ready for
More Action
Before you search for the home of your dreams, these
are some of the things you should consider:
• The neighborhood you want to live in
• Size of the property
• School system
• Public transportation’
10. Multiple Listings
Open Houses & Special Features
• As your Watson Realty Sales Associate, I can show you
every home available on the market that suits your needs
12. Writing the Offer
Once you’ve found the perfect home, I will
Write up the offer and make sure all
paperworkAnd other activities are completed
so you can close on your property
13. The Closing
This is the meeting where the
transaction is finished. I will guide
you through this important procedure
to make owning your home official
