Buying a home with Heather

What I do for buyers

• Get clear on the budget. Not just the price, but insurance, taxes, HOA fees and any CDD fee. Those can change your monthly payment more than a few thousand dollars on price.
• Look past the finishes. Roof age, electrical, plumbing, HVAC and whether past work was permitted.
• Check the rules. Flood zone, city limits or unincorporated county, HOA and condo restrictions, and rental rules if you plan to rent.
• Negotiate with the facts. Inspection findings and comparable sales, not wishful thinking.

First time buyer? Start with my first time buyer page. I help buyers find down payment assistance programs they may qualify for and connect them with lenders who know those programs.

Who does what

I'll guide you through the process and help you ask the right questions. Some answers have to come from other professionals: a licensed home inspector for condition, your insurance agent for coverage and cost, your lender for financing, and the city or county for permits and zoning. I'll help you line those up.

Related guides

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• Buying acreage for horses in Florida