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OUR HOME BUYING SERVICES...

I take the buying process as seriously as my buyers do, therefore I offer nothing but the highest quality of service to my clients. When you decide to purchase your home in the Florida Keys, make sure you hire someone whom you can trust and someone who wants to earn your business.  Buying your home in the Florida Keys is one of the most important purchases you will make, so make sure you have the right agent who can provide you with the experience and the service you deserve.

When you understand current market conditions, you are better able to position yourself as a Seller. It helps to know if you are in a Seller's, Buyer's or Balanced market when setting your asking price. In a Buyer's market there is a lot more competition and Buyers have plenty of choices and room to negotiate, forcing you to be very competitive when setting your price.

Here are some of the steps I will take to find your perfect home:

1.  Determine Your Wants and Needs - This is the single most important step!  By asking you a series of questions I will establish what you are looking for.  My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet your needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.

2. Help You Get Pre-Qualified 
- This step will show you how much you can afford. This is accomplished by speaking with your financial institution and establishing what monthly payments you will be comfortable with.

3. Home Shopping - I will use every available method to locate a property that matches your search parameters. This will include properties listed with our office, offered through other real estate companies, as well as unlisted properties. I will disclose all known facts about the property that are likely to affect your decision. When we find the home that meets your criteria, I will assist you in writing an offer and act as a liaison between you and the seller. 

Feel free to contact me if you have any questions about buying a home in the Florida Keys!


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $
Annual Insurance:  $
0.43%of Cost
Annual Property Tax:  $
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
        
Optional
Gross Debt Service Ratio (GDS): 
Total Debt Service Ratio (TDS): 
Condos Fees:  $

Results
  Receive this Detailed Analysis


Mortgage   Qualification   Affordability   Rent vs Buy    

Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 


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© 2003-2007 Nira Tocco, Your Florida Keys Realtor®

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Nira Tocco, Florida Keys Realtor®
Schwarts Property Sales | GMAC Real Estate

(305) 240-1047 Direct

Email Nira Today!

Serving the following areas in the Florida Keys:
Big Coppitt Key homes | Big Pine Key real estate | Cudjoe Key homes | Islamorada Key real estate | Colony Beach real estate | Key Largo real estate | Key West real estate | Little Torch Key real estate | Marathon real estate | Ramrod Key homes | Stock Island real estate | Sugarloaf Key real estate | Summerland Key real estate
Area Neighborhoods:
 (Big Pine Key) Atlantis Estates real estate | Big Pine real estate | Doctors Arm real estate | Eden Pines Colony real estate | Hollerich real estate | Pine Channel Estates real estate | Pine Crest real estate | Pine Key Acres real estate | Port Pine Heights real estate | Sands Subdivision real estate | Tropical Bay Estates real estate | Whispering Pines real estate | Wickfield Acres real estate

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