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White Gate Realty - Orlando Florida Homes for Sale       

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Your Complete Guide to Orlando Real Estate

 

Real estate and relocation is our specialty. If you’re looking for homes in the Orlando area or for general information on the local market and neighborhoods, you’ve come to the right place. Most of the information on the internet generated by real estate people is routine fluff. Either it’s “all-about-me” websites or pretty pictures with very little useful information. You won’t find that here.

 

Instead, White Gate Realty is a fast and friendly way to check out the real real estate marketplace in the Orlando-area. We’ll actually teach you things that will help you make informed decisions and improve your results. Information you can really use, and it’s always up-to-date.

 

Orlando Real Estate and “Best Neighborhood” Guide

 

When you buy a home, you buy the neighborhood as well. And neighborhoods matter. We understand the towns, communities, and neighborhoods that compose the Orlando real estate market, and we can help you find the ideal one for you. White Gate Realty is here to help you navigate these communities. Best of all, broker, Jon White provides his own personal insight on each of the area's residential neighborhoods. You’ll learn about such things as: neighborhood traffic conditions, commute distances, nearby schools, general community info, and much more. Easy links are provided for you to see each neighborhood’s homes listed for sale in the Orlando MLS.

 

In a recent study by the Wadley-Donavan Group, Seminole County was found to have the best quality of life in the Orlando area. Seminole County’s median income is the highest in the state of Florida and the schools consistently rank as one of the top three in the state of Florida and top 100 in the nation. Lake Mary, one of Seminole County’s cities, was recently named the #4 best place to live in the U.S. by CNN/Money Magazine. (See article) Information on neighborhoods and homes in Lake Mary and other Seminole County communities such as Longwood, Oviedo, Winter Springs, Sanford, and Altamonte Springs is right at your fingertips in our MLS neighborhood guide.

 

Need to be closer to the attractions or need to be on the southwest side of Orlando? Then research neighborhoods and homes for sale in the Dr. Phillips/Bay Hill or Windermere areas. If you prefer quaint small-town life but with an air of sophistication and proximity to downtown Orlando, then check out the Winter Park real estate scene. It’s all here in one convenient place. Every home on the market in the Orlando area can be found on this site.

 

Your Trusted Broker, Agent And Advisor

 

As a former banker, business owner, radio host and 8 year veteran of the Orlando real estate market, Jon White knows all the ins and outs, ups and downs of the marketplace. From the initial plan of finding your dream home to the technical and legal contract details, he’ll help you manage your way through it all, always looking out for you and your interests. Bottom line, we don’t sell homes.  Our clients buy their homes, they use the best information, they do it with confidence, and they buy them right!

Real Service. Real Results. Real Estate.

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Consider What You Should Know Before You Buy:

FACT: VIP Buyer Program

We will commit to finding you the best home for your needs, negotiated at the lowest price and secured with the best financing available – and we’ll do it free of charge to you, with your convenience and service satisfaction as our priority.
(Click Here to Get Started).
 

FACT: Mortgage Loan Pre-Approval

We’ll help you pre-qualify for your loan and access special financing with a FREE Home Loan Pre-Approval. With this process you will:

• You know exactly how much home you can afford
• You get the best financing
• You can make a stronger, better positioned offer, even if another, conditional offer comes in at the same or a higher price

(Click Here to Get Started).

FACT: The Closing Process

Once you have found the home you want to buy, there are several additional steps you need to take to close the sale after the purchase and sale agreements have been signed.
(Click Here for Details).
 

FACT: Glossary of Common Real Estate Terms

Terms, phrases and other legalese to help you understand the contracts and speech of those involved in your transaction. (Click Here for Details).

FACT: Mistakes NOT to make when buying a home

Our list shows categories of common mistakes buyers often made when looking for a home.
(Click Here for Details).
 

Your Contact Information (Please complete all fields)

 

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To make sure that we send you the right information to help you in your current situation, please indicate which report you want to receive:

  • If you are planning to make your move in the next 6 months or less, you'll need to organize yourself quickly. However, even within this short time frame, there are many issues you can address. Please order Report #1.

 

  • If you think it will be longer than 6 months before you make a move, there are a greater number of issues you can address. Within this longer time frame, the choices that face you are a little broader. Please order Report #2.

 

REPORT: 

**We must have an E-mail or Phone to fulfill your request. Thank you for your interest in our services. We are here to help with all your real estate needs. Do not hesitate to contact us with any question or concerns.


Click the Title link by the arrow for more details:

 

 How to Beat Out Other Buyers to Hot New Listings

Get a sneak preview of new listings on the market before other buyers with "Preferred Access".  Preferred Access gives you regular VIP bulletins with details on homes you want.

 

 Buy a Home With No Money Down

A new program allows buyers to buy a home with no down-payment.

 

 FREE Special Report - "6 Mistakes to Avoid When Moving to a Larger Home"

A new report has just been released which identifies the 6 most common and costly mistakes that homebuyers make when moving up to a larger home.

 

 FREE Special Report - "How To Stop Paying Rent and Own Your Own Home"

A new FREE Special Report entitled "How To Stop Paying Rent and Own Your Own Home" has already helped dozens of local renters get out from under their landlord's finger, and move into a wonderful home they can truly call their own. You can make this move too by discovering the important steps detailed in this FREE Special Report

 

 FREE Special Report - "6 Things You Must Know Before You Buy"

Discover how to avoid these costly mistakes.

 

 Find Out How Much You Can Afford in Your Next Home

 

 

 FREE Special Report - "13 Extra Costs to Be Aware of Before Buying a Home"

 

 

 Buyer Beware: Mistakes to Avoid Like the Plague When Buying a Home.

 

 

 Foreclosure Weekly Report

Receive a free weekly report on foreclosures in your area.

 

 Whether to Buy New or Resale

 

 How to Negotiate a Better Price

3 Simple Steps to Follow to Slash Thousands of Dollars Off The Price of The Home You Want.

 

 3 Critical Steps to Obtain The Absolute Best Financing Rates When You Buy a Home

 

 Free Online Mortgage Pre-Approval

Put yourself in the strongest negotiating position and find out exactly how much home you can afford with this quick and easy application.

 

 Free list of Hottest New Properties, ideal for the first time buyer!

 

 

 Free list of the 10 Best Buys that match your home buying criteria

 

 

 Free list of Zero Down Homes emailed to you daily

 

 

 Access the Hottest New Listings featuring swimming pools

 

 

 Free list of Fixer Upper properties emailed directly to your inbox!

 

 

 Fixer Upper Properties: What You Should Know Before You Buy

 

 

 Hot-list of Upscale Homes

 

 

 FREE Online Multiple Listing Home Search

 


Mortgage Application Checklist

Here is a list of information and documents you will need when you apply for a home loan:

  • Copy of the Purchase and Sale Agreement
  • Your present mortgage information (or 12 months rental history)
  • Two years’ history of employment and verification of all income sources
  • If self-employed, copies of past two years’ income tax returns and year-to-date profit and loss statement
  • Two months’ checking, savings and investment account information verifying your liquid assets
  • Name, account number and outstanding balance of each of your debts
  • Information regarding any other income to be used
  • Information regarding any other assets that will be used as funds to close
  • If you’re applying for a VA loan, you need a Certificate of Eligibility or DD-214 form
  • If you are a relocating employee, include relocation information and copy of offer, promissory note and copy of check on bridge loan
  • Two pieces of ID, such as your driver’s license or passport and social security card

Give us a call or e-mail to get started.


The Closing Process

Once you have found the home you want to buy, there are several additional steps you need to take to close the sale after the purchase and sale agreements have been signed.

Step 1    Contingency removal: The most common contingencies are inspection, financing and the sale of your current home. These conditions must be removed or waived in writing before the sale on your new home can close.

Step 2    Appraisal and title report: Your lender requires a formal appraisal to confirm the value of the home you’re buying, to use as collateral to secure the loan. The title report ensures that the seller has clear title to the property and has the right to transfer ownership to you.

Step 3    Prepare closing documents: Escrow service companies or real estate attorneys prepare documents that confirm the transaction, prorate funds, etc.

Step 4    Signing of closing documents: Although both parties may have signed closing documents and deposited funds, the sale actually closes when the deed is recorded and the proceeds are available to the seller.

Step 5    Signed documents go to the lender for final review.

Step 6    The deed is recorded and funds disbursed.

Step 7    The seller receives the proceeds and the moving van arrives.

Step 8    You get the keys to your new home!

 

There are many opportunities for surprises or delays in a transaction. Part of my expertise is in troubleshooting problems that arise in the closing process, and anticipating and preparing for potential problems before they arise.

Please e-mail or call me any time if you have questions or would like more information about the closing process.

 


Glossary of Real Estate Terms

Addendum (Addenda):  Written attachment(s) to the Purchase & Sale Agreement.

Agency:  The relationship that a real estate agent has with a customer or client.

Buyer Broker:  An agent who represents the buyer in a transaction.

CMA:  Comparable Market Analysis, or an informed opinion of a home’s value.

Comps:  Properties used as” comparables” on a CMA.

Disclosure:  Verbal and/or written communication regarding agency, property condition, etc.

Down payment:  Initial investment on a home loan.

EM deposit:  Earnest money deposit or good-faith deposit provided as consideration when a buyer offers a contract to a seller.

FHA:  A type of loan or financing that is insured by the government.

Key box:  MLS electronic key which allows agents access to listed properties.

List (Listing):  When a seller signs a listing agreement with a broker to market their property.

Listing Agent:  An agent who takes a listing on behalf of the broker.

Lock-box:  Another term for a key box.

Lock-in:  A term to obtain or “lock in” the interest rate at the current rate.

MLS:  Multiple Listing Service. An organization that distributes information on properties listed by MLS member brokers.

Property Profile:  An informational/fact sheet about a property on the market.

Purchase and Sale Agreement:  A contract between a buyer and a seller to purchase real property.

Transaction:  A listing sold or the sale of real property.

VA: A type of loan or financing that is made available to military veterans and guaranteed by the government.

This list is by no means exhaustive. There are many more terms, but these are many of the most common.


 

Mistakes NOT to make when buying a home

Listed below are categories of common mistakes buyers often made when looking for a home.


Not setting appropriate expectations or doing their homework... Many buyers make the error of not doing enough research or setting realistic expectations before they begin looking for a home. It’s helpful if a buyer researches loan packages including percentage rates, points, and estimated closing costs, to get an idea of the expense they’ll be incurring.
But even when armed with a pre-approved loan, buyers must decide what their family budget will allow, taking into account their mortgage, maintenance on the house, retirement plan, and other major family expenses. They should make sure this budget is fair, balanced, and livable for their family.


Not choosing a home based on their needs... No matter how beautiful a home is, if it doesn't fit their needs, they won't be truly happy in it. Buyers should prepare a list of items their new home (1) must have, (2) would be nice to have and (3) definitely should not have. They should consider location, number of bedrooms, bathrooms, size of yard, schools, parks, and proximity to other important locations. Buyers can talk to other area residents, check with the chamber of commerce, and visit the neighborhood several times to assist them in discovering if the community or neighborhood is right for their family.


Not considering resale potential... When looking for a new home, buyers rarely consider its future resale potential. Buyers should ask themselves, “How long will I likely live here?”  “What changes would I like to make versus those I know I’d need to make to resell it?”  "Will others enjoy the amenities this house has to offer when I'm ready to sell?”  This may be the buyer’s home, but it is also a very big investment that can appreciate in value with practical decisions.


Not requesting an independent home inspection... Buyers should never take a seller's word that the home they are buying is sound. Having a home inspection is essential to buying a home, even if the home is newly built. Hiring a qualified professional allows buyers to know what they are truly buying and will add to their peace of mind.

 

Thank you for your interest in our services. We are here to help with all your real estate needs. Do not hesitate to contact us with any question or concerns.

 

Weather you are searching for homes for sale in Orlando, Buying a Home, Selling a Home or just want Orlando home values, you have come to the right place.

Get access to Orlando real estate listings, including the MLS, Orlando REALTORS, new homes and foreclosures.

Our free real estate services feature all Orlando and Florida cities and suburbs.

Find Orlando school district information, including elementary, middle and high school test scores, student faculty ratios and other k-12 statistics.

Discover the best realty services for anyone looking to sell a home or buy a home in Orlando, FL.

|  White Gate Realty / Jon White, GRI,  Lic. Real Estate Broker / Orlando, FL 32835   |

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Welcome! White Gate Realty is now serving:

Southeast Orlando, Windermere, Orlando, Dr. Phillips, Celebration, Reunion, Winter Garden, Kissimmee, Ocoee, Gotha, Winter Park, Saint Cloud, Maitland, Davenport, Orange County, Osceola County, Seminole County, Altamonte Springs, Winter Springs, Lakeland, Lake Nona and surrounding areas.

 

FREE Real Estate Information for all your real estate needs. For Answers to Questions, please contact us.