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Katherine can help with Primary residences, second homes, vacation homes, and investment properties.

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Needs vs Wants

Pre-Qualifcation

Get to CTC from Lender

You're Under Contract!

Move In Day

Negotiate an Offer & Contingencies

Home Buying Process

1. Credit Analysis
This is where we look into your credit to determine the debt portion of the debt to income ratio and eligibility under agency guidelines.
2. Mortgage Application
Includes a summary of personal information such as residential & employment history, monthly income, assets, and liabilities.
3. Income and Asset Review
Determine your affordability and calculate applicable monthly income and review assets such as checking/savings/retirement/etc. 

1. Credit Analysis
This is where we look into your credit to determine the debt portion of the debt to income ratio and eligibility under agency guidelines.
2. Mortgage Application
Includes a summary of personal information such as residential & employment history, monthly income, assets, and liabilities.
3. Income and Asset Review
Determine your affordability and calculate applicable monthly income and review assets such as checking/savings/retirement/etc. 

Not sure where to start to purchase a home? I can help with this too! 

We have broken it down into 3 easy steps!

Needs might be things like:⁣
• Enough square footage for you and your family ⁣
• Sufficient bedrooms and bathrooms⁣
• First floor master bedroom⁣
• Close proximity to work and school⁣
• Attached two-car garage⁣
• Grassy yard for children's or pet's play area⁣
Wants will look more like:⁣
• Specific paint or exterior color⁣
• Pool, jacuzzi, or other exterior water feature⁣
• Fenced-in backyard⁣
• Specific carpet, hardwood floors, or tile⁣
• Kitchen amenities like countertops and appliances⁣
• Walk-in shower or double bathroom vanity in master⁣ 

Needs might be things like:⁣
• Enough square footage for you and your family ⁣
• Sufficient bedrooms and bathrooms⁣
• First floor master bedroom⁣
• Close proximity to work and school⁣
• Attached two-car garage⁣
• Grassy yard for children's or pet's play area⁣

Wants will look more like:⁣
• Specific paint or exterior color⁣
• Pool, jacuzzi, or other exterior water feature⁣
• Fenced-in backyard⁣
• Specific carpet, hardwood floors, or tile⁣
• Kitchen amenities like countertops and appliances⁣
• Walk-in shower or double bathroom vanity in master⁣ 

Spend Some time Thinking about what your needs and Wants are for your home!

We will set you up with alert emails to see all homes that are active that fit your budget, locations and needs list! When you see one that you like, I will reach out to the Listing Agent and schedule a showing!

It's Time to House Shop! 

Make sure you are clear on your burget and Needs vs Wants List!

If you really want to make sure your offer stands out from the rest include a short hand-written note with your offer. Sometimes it’s the smallest gestures that have the most significant impact. ⁣

You have found a home you keep going back too and thinking about! It might be the one.

Its time to make an offer and start negotiations

1. First, we will carefully review the purchase agreement to ensure you understand it and feel 100% comfortable with the terms and contingencies.⁣ We will also work with you to schedule the Inspection.
2. You’ll want to send a copy of the contract to your lender, if its not me. They will order the appraisal and submit the file into underwriting.⁣
3. Once the home inspection report comes in (and you should definitely request a home inspection), we will negotiate any repairs with your seller.⁣

You Are Under Contract! 

You will receive closing documents 3 days prior to closing that will need to be signed. Normally these come electronically. Once these are signed you will be contacted by the closing agent to scheduled closing.

Whne you lender sends you the Clear to Close!

You will receive closing documents 3 days prior to closing on any primary residence. 

You should bring a photo ID and a cashier’s check to pay any closing costs. Your agent will tell you any other documents specific to your situation.⁣

The closing process is relatively simple, but be prepared for A LOT of paperwork. (And always, always, always ask if you have a question along the way.) The good news is once you’ve signed the last page, it’s time to get a hold of those keys and celebrate!⁣

You have made it to closing Day! Congratulations!

Stretch those fingers and get ready to sign, sign, sign. At closing, the seller will sign ownership of the property over to you, and you’ll sign to receive possession.⁣

Second Home or Vacation Property

Primary Residence

Commercial Property

Investment Property

Interested in financing Options for your Property?

Why purchase in Tampa, St. Pete or Sarasota

This region has so much to offer! One of the fastest growing area in all of Florida. Tampa Bay offers a strong business opportunities and is home to champion professional sports teams, museums and attractions, theme parks as well as top-rated beaches. With an average temperature of 73 degrees year-round, Residents enjoy outdoor activities including boating, kayaking, stand-up paddle boarding, golf, bicycling, roller-blading and many more!

A few Reason to Consider

Beautiful Weather - 361 days of sunshine each year

Top Rated Beaches in the US

Champion Sports Teams

No Income Taxes

Strong Economy and Job Market

Book Your Call

Schedule a time in Katherine's calendar and dive into what your specific real estate goals are! Katherine is here to help if you are curious to learn how to get pre-approved for your first home or learn about purchasing an investment property.

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Katherine Blazer

Realtor, Lender, Investor