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Home Buyers

Why Buy With Us?

Everyone dreams of owning their own home. When buying your first home, it can be a very exciting, yet anxiety filled experience. However, if you know what to expect during the home buying process you will be more relaxed and comfortable knowing that we will be by your side every step of the way guiding you through it and looking out for your best interests. Below are some of the things we will be helping you with along the way!

Start your Home Search Here

Setting a Budget

Before the house hunting process begins, it is important to know how much you can afford. Expenses to consider include the down payment, monthly expenses, property taxes and any home insurance costs. These will all have to be considered before the home buying process begins as they are typically included in your new monthly payment. Since a person’s credit score determines their interest rate, knowing your score ahead of time can help you decide if now is a good time to buy or not. An individual’s debt-to-income ratio must also fall within acceptable limits of the home’s cost. Once you have determined these things, and if you feel that your budget has enough room to afford a new home, then its time to begin the home buying process!

Calculate your Payment

Getting Pre-Approved

When looking for a loan, be sure to get more than one loan quote to get the best interest rate and loan terms for your mortgage. Different banks and companies will offer different loan origination fees and by shopping around you can often times save yourself a lot of money. Be sure to also check your loan officers website for testimonials and information. A good loan officer will offer you many online resources and tools. Before you lock in your rate, be sure to check the daily rate with the rate your loan officer gives you to ensure you are getting the lowest rate possible. Interest rates will determine how much a mortgage will cost each month and come in fixed or adjustable terms. Mortgage lengths can range from 15 years to 30 years with some loan providers now offering 40 year mortgages as well. The longer the repayment term, the lower the payments will be. However, the interest accrued will also be higher on a longer loan.

Making an Offer & Negotiations

There is an art to making an offer on a home. Typically, sellers place their home’s value a little higher than their desired price. A buyer will send in a lower bid, in a reasonable range, and the seller will counter with an offer somewhere in the middle. Appliances might also be negotiable if you are willing to up your offer a bit. We will be watching for signs of problems in the home and will make suggestions to you regarding the offer. Listen closely and be sure to ask questions as your offer is an important part of buying a home & you want to make sure all of your bases are covered. That’s where having a us as your Buyer’s Agent is most valuable so your rights and interests are protected. With our experience on your side, we will be able to help you negotiate a lower price that sometimes includes concessions or closing costs & avoid homes that have problems. Our job is to protect YOU in the contract.

Escrow and Closing Costs

Before the home is legally transferred to you, the closing process must occur. During this phase, you will sign all of the mortgage documents, pay closing costs, and sign various other legal documents & in most cases we will be there to help you through it all. Once all of the papers are signed, the keys to your new home are yours! The only thing left to do is move into your humble abode. This may occur immediately after the closing or at the date set in the closing documents.

Better Home Search

Our website has the best online tools to search for your home! In fact, we are better than Zillow, Trulia and the many other real estate websites out there because we are directly connected to our local MLS! What does that mean for you? Accuracy & Advantage! When you search homes here, you get the most up to date homes & properties available with the most accurate information! AND, if you sign up for Deal Alerts, you will get alerted of NEWEST Property matches BEFORE any other site has them! First, start by trying one of our Search tools in the menu. Try the Advanced search to choose specific options & customize your results based on all of the things you wish for in your new home. Second, Save your Search and you will be set up for auto alerts when a new home hits the market that matches! You can also try the Map search which offers a unique perspective by allowing you to use the polygon tool on the side to create boundaries on a map around the areas you want to live in. Already know the address of the property you want? Try the Address Search. OR if you have the property ID you can use the Listing Search to search by MLS#. Find a home you like? Simply click on the Schedule a showing button and send us an alert. We will schedule the time and confirm with you once it is set up! Once you have started searching, be sure to check out your My Account page so you can manage your Saved Searches & Favorite properties. The My Account feature has a ton of great tools designed to cater directly to you and provide you with a home buying experience. And it’s Mobile friendly!

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Home Insurance

Lenders normally require that you insure your home. Home Insurance Policies cover the costs to fix any damages that might occur to the home. The price of this insurance is dependent on a home’s age, location and value and the insurance company you choose. Be sure to call around and get several quotes or ask us for a list of vendors we work with. Insurance agents will oftentimes be able to take your information over the phone and get back to you the same day with a quote. Once you choose a company to insure your new home, the cost of that policy is normally added into your closing costs and sent into an escrow account to be paid to the insurance company directly the first year.

Home Inspections

Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late. If you need help finding a Home Inspector, ask us! We can give you recommendations for many service providers that we work with all the time!


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First-rate!

Our business matters with Cathy Rogers was nothing short of outstanding. Her dependability, professionalism, personal attention, and enthusiasm made her an absolute pleasure to work with. We would personally like to thank her for her hard work and commitment in achieving our purchase of our home on Marco Island. Continue Reading

Lynn & Tom C Marco Island

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We were so impressed that she put us first

We were so impressed that she put us first and wanted to make sure we were happy and never felt pressured. We felt like we had "friends" representing us and that we were not just simply clients. Our experience with Cathy Rogers was great and we ended up with a property we love! Continue Reading

Dr. and Mrs. David A. Marco Island

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You have gone so far above and beyond the scope of a REALTOR®

You have gone so far above and beyond the scope of a REALTOR®. You have taken the time to help us in every phase. From attaining the right people to take care of our home while we are away to even finding the right contractor for remodeling. You have spent so much time to help us where anyone else would have said "its been nice doing business with you." Our friends can't believe how much you have done. I just can't thank you enough. Continue Reading

Carloyn and Jim D. Marco Island

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Working with Cathy was an absolute pleasure!

Cathy's fine research, preparation and organization really narrowed the field quickly so we only toured homes that were reasonable possibilities. We found a lovely home that was exactly what we were looking for, thanks to Cathy! It turned out to be a tremendous value as we purchased it at 50 percent less than its original asking price. As I look out at the blue of the Gulf from a chair in my lanai, I would highly recommend Cathy to any homebuyer! Continue Reading

Dr. Lauren W. (Reference contact info provided on request) Marco Island

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Cathy is a true standout

Cathy Rogers is one of the most professional people I have ever worked with. As a Financial Advisor, my Team and I are involved in client service every day. Cathy is a true standout. She makes sure that she keeps her promises, and takes care of it for you with an attitude that goes the extra mile. Continue Reading

Wayne Baller Marco Island

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It is with great confidence I recommend Cathy

Cathy Rogers has helped me with a number of properties in Marco Island, Florida. Each one has been a fantastic experience. She is a very knowledgeable professional who has saved me from making what would have proven to be an inappropriate purchase. Continue Reading

Brian W. Marco Island

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Cathy knows Marco Island

We have recommended Cathy to several of our friends, who have also been very please with her service. We will not hesitate to recommend her again. Cathy Rogers goes above and beyond what is expected from a REALTOR®-- and as her clients, that is certainly appreciated. Continue Reading

Robert and Susie D. Marco Island


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239.821.7926

Cathy.Rogers@Sothebysrealty.com

760 N. Collier Blvd., #101,
Marco Island, FL 34145

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