YOUR HOME BUYING GUIDE

The Pitts Team

Team

meet the

VICTORIA PITTS

REALTOR® | BROKER ASSOCIATE

THE PITTS TEAM

850.602.5231

VICTORIA.M.PITTS@GMAIL.COM

Services

i provide

Skilled Negotiations

Working diligently on the buyer’s behalf to secure the best possible terms for their purchase, always keeping their interests at the forefront.

Property Search

Leveraging multiple sources including the MLS, for sale by owners, and builders to identify properties that match the buyer’s specifications.

Property Research

Research selected properties to uncover any potential problems or concerns that the buyer should be aware of.

Offer Presentation

Presentation of the buyer’s offer to either the seller's agent or the seller directly, ensuring that the buyer’s interests are represented effectively.

Efficient Property Viewings

Accompanying buyers on property showings or previewing properties on their behalf to guarantee they meet their criteria.

Document Guidance

Explain all legal documents related to the purchase, ensuring the buyers are fully informed and comfortable with the transaction.

Streamlined Inspections

Coordinate property inspections to guarantee a thorough assessment, providing buyers with accurate insights into the property's condition.

Insight on List Price

Provide a comprehensive comparable market analysis, enabling your buyer to make a well-informed purchasing decision.

Financing Assistance

Provide recommendations for securing appropriate financing, helping the buyer navigate the financial aspects of the purchase with confidence.

Strategic Offer Structure

Assist the buyer in crafting a strategically sound Offer to Purchase with terms and conditions that align with the property's value, marketing conditions, and the buyer’s best interests.

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

Buyer

ROADMAP

Interview

Find and interview a Realtors® to see which is a best fit for you. Remember, not every Realtor® is created equal.

Pre-Approval

Meet with a lender and get pre-approved! If you need some help finding a lender, I can provide you a few options.

Home Search

Showings

We will discuss your ideal price range and criteria and we will begin searching for your dream home.

We will set up showings and view the homes you are interested in.

Closing Day

Last Steps

Financing

Inspections

Escrow

Offer

After finding the right home, we will put in a strong offer and negotiate the terms of the contract.

Time to sign the documents and get the keys!

Receive clear to close from lender and perform final walk-through before closing.

Order appraisal and obtain homeowners insurance if needed.

Schedule inspections and negotiate any repair requests and issues from inspection.

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

Deposit escrow and complete loan application within time frame of the contract.

Time

to get pre-approved

Obtaining a pre-approval is a crucial first step in your homebuying journey, providing clarity on your budget and preventing wasted time on properties beyond your financial reach. In a competitive market, a pre-approval gives you a significant edge, making your offer more appealing to sellers. It sets realistic expectations, ensuring you focus on homes that align with your financial capacity. Pre-approval enhances your negotiation power, as sellers take pre-approved buyers more seriously. It can expedite the closing process, giving you a head start on moving into your new home. By addressing potential financial issues early on, a pre-approval streamlines the overall process. It guides a more focused and efficient home search, instilling confidence in decision-making. Knowing your monthly mortgage payments aids in effective financial planning, and working with a mortgage professional during the pre-approval process provides valuable insights for informed decisions.

Questions to Ask:

1. What type of mortgage is best for me?
2. How much do I need for my down payment?
3. Do I qualify for any down payment assistance programs?
4. What costs will I incur prior to closing?
5. What other costs will I pay at closing?
6. What will my monthly payments look like?
7. How many days do you need for closing?
8. What documents can I start gathering?
   

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

Lenders

recommended

Craig Pitts

SR LOAN OFFICER

SWBC

850.208.8193

craig.pitts@swbc.com

Angela Lane

LOAN OFFICER

Southeast Mortgage

850.776.6094

Angela.Lane@southeastmortgage.com

Shaun Schiewe

LOAN OFFICER

Ameris Bank

850.530.2405

*Specializes in Construction to Perm

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

Finding

your right home

Finding your home is a uniquely personal journey, akin to discovering the missing piece that completes the puzzle of your life. It goes beyond four walls and a roof; it's about uncovering a space where your story unfolds. Picture it as a series of moments: the thrill of walking through the front door and sensing an instant connection, the warmth of a kitchen where shared laughter echoes, and the peace of a bedroom where dreams take flight. It's about more than just the features of a house; it's about the feeling it evokes. Sometimes, it's the charm of a cozy nook or the tranquility of a backyard retreat that captures your heart. The quest for your home is an exploration of both tangible and intangible elements, a journey toward a place where memories are crafted, and the essence of who you are finds its perfect sanctuary.

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

You

what’s important to

What are you must have

features and preferences?

Do you have any

deal breakers or non - negotiables?

Where do you want the home

to be located?

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

Homes

Crafting a compelling offer on a home is a pivotal step in the homebuying process. As we consider submitting an offer for the property you've set your sights on, it's essential to approach this stage with careful consideration and strategic planning.

Your offer is not merely a price tag; it's a reflection of your genuine interest in making the property your own.

Throughout this process, open communication is key. I'll be here to address any questions you may have, provide guidance, and ensure that your offer represents you in the best possible light.

Remember, this is a collaborative effort, and your input is invaluable. Let's work together to craft an offer that not only stands out in the seller's eyes but also aligns seamlessly with your goals and aspirations. As we navigate this stage, I'm committed to making the process smooth, transparent, and successful for you.

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

Tips

Offer Price

Earnest Money Deposit

Due Diligence Period

We'll carefully analyze market conditions and recent comparable sales to determine a competitive yet fair offer price that aligns with the property's value.

Offering a meaningful earnest money deposit demonstrates your commitment to the purchase. We'll discuss an appropriate amount to accompany your offer.

We'll discuss and strategically incorporate contingencies, such as home inspection and financing, to protect your interests while presenting an attractive offer to the seller.

850.602.5231 | victoriampitts@gmail.com |victoriampitts.com

Client Reviews

Victoria is a consummate professional who consistently goes the extra mile to satisfy her client's express concerns and anticipate the ones they may later develop. She knows her stuff, through and through, and puts that knowledge and experience to work for you. My husband and I were so impressed and we highly recommend her for any type of real estate transaction.

Jodi

Victoria made our buying/selling process really easy! She always made herself available. Victoria has gone above and beyond making sure that our new home issues were resolved even after closing. We couldn’t have asked for a better realtor!

Amanda

I was beyond pleased with Victoria. She was engaged in finding the right place for me. She was professional and friendly. Victoria was knowledgeable about all areas of the buying process and recommendations to assist with my out of state move.

Renetta J.

Victoria was amazing throughout the entire house hunting, buying, and beyond process. Her knowledge of Reality (as well as all things Pensacola area) is top notch. After 4 days in person house hunting, we did a majority of showings via FaceTime as I was 1000 miles away. She made herself available, was patient, answered countless questions, and was tenacious in helping us find our perfect home. We had a unique want list and she delivered beautifully. We really can not thank Victoria enough and recommend her highly to anyone looking for a home in our beautiful area.

Heather S.

My commitment to you

You are entrusting me with your most crucial asset, a responsibility I approach with the utmost seriousness. I know this is about more than selling high and buying low and I can promise you that while there will be some bumps in the process, I’ll be doing my best to help you avoid any delays or roadblocks. My commitment is unwavering as I diligently work for my clients, ensuring the fulfillment of several key commitments to them. You can expect weekly update phone calls and emails with my trademark tell it like it is honestly and creative problem solving to get you where you want to go.

VICTORIA PITTS

REALTOR® | BROKER ASSOCIATE

THE PITTS TEAM

850.602.5231

VICTORIA.M.PITTS@GMAIL.COM