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A COMPLETE GUIDE TO THE HOME BUYING

PROCESS

STIVER FIRTH INTERNATIONAL TEAM

in TOTAL Sales & Listings SOLD in Englewood & Rotonda West

#1

941.548.4434STIVERFIRTH.COM

Our VisionWe are a team of passionate professionals, growing and innovating our Real Estate business,

built on long term relationships and grounded in compassion and trust. Our goal is to redefineand simplify the processes of a complicated industry for our customers, and use the same

principles to embrace and improve our community and the world.

Our MissionWe are creating the ultimate Real Estate experience by using our knowledge, expertise, and

technology to make a difference by helping our Buyers and Sellers make well-informeddecisions, enabling them to live their best lives.


VISION, MISSIONO U R C O MMI T ME N T T O Y O U

WE ARE DELIBERATE Everything we do is intentionally designed tocreate a WOW experience for our customers!

CELEBRATE SUCCESSES We work hard to succeed and earn our happydances when we’ve helped yet anothercustomer live their dream!

SUPPORT EACH OTHERWe respect each other and do what it takes tohelp our team members succeed in creatingan unparalleled experience for our customers.We are also committed to supporting ourcommunity, our country, and our world.

ASSUME POSITIVE INTENT We know that each of our team members isalways working toward our unwavering sharedgoal – to create the best possible experience forour customers.

ACCOUNTABILITYWe know what we need to do, and we own it,creating infinite successes for our customers andour team members!

MEET CHALLENGES WITH ENTHUSIASMEvery challenge creates an opportunity to help acustomer in the moment, learn how to betterserve our customers in the future, and createlifelong relationships as a result. That is exciting!

GRATITUDEWe are humbled by the trust our customersplace in us, grateful for our abilities to helpthem with their life changes, and so thankfulfor our amazing team and community.

HONEST AND OPEN COMMUNICATIONOur transparency ensures that our customersand team members always know we areworking hard with them and for them.

ALWAYS LEARNINGWe are committed to staying on top of industrybreakthroughs so we can provide the cutting-edge technology, processes, and productsthat will combine to create an exceptionalexperience for our customers.

Our Core Values

You deserve the very best!

Our Sales Record and

5 Star Customer Reviews

are just the beginning.


Stiver Firth International Team remains #1 in both Englewood and Rotonda West for total sales and our own listings sold!

WE ARE #1T H E S T I V E R F I R T H I N T E R N A T I O N A L T E A M R E MA I N S # 1

In today’s market a team always outperforms an individual. Transactions are more complicated, andsellers have unique needs. Our experienced team members are positioned to focus on the specific

requirements of each of our customers, while consistently delivering world class service.

Why choose 2nd best? Our Streamlined Processes, Customer Service Best Practices, and Latest

Technology combine with our Highly Qualified Buyer's Specialists to create a proven system that

helps you when purchasing real estate!

We take care of the detai ls every

step of the way, saving you t ime and

creating a seamless transaction.

2. TIME


Each qualif ied team member has a

unique ski l l set, providing our

Customers exactly what they need,

when they need it .

SPECIALIZATION1 .

O F WO R K I N G WI T H T H E S T I V E R F I R T H I N T E R N A T I O N A L T E A M

With our extensive network we can

help you: f ind a lender, get

pre-approved, hire an inspector,

and choose your closing agent.

We help you every step of the way!

3. RESOURCES

BENEFITS

For nearly 30 years Sandy helped people achieve the dream of home ownership in the

banking industry as a loan officer, where she seamlessly guided her customers through

the mortgage process from loan pre-qualification to application to providing the funds

for the purchase, on hundreds of mortgages and home construction loans. She and her

husband of 35 years “went coastal” and moved to our paradise from Pennsylvania; they’ve

never looked back. Sandy’s extensive knowledge of the home buying experience from the

lending side makes her uniquely qualified to help her customers flawlessly navigate

through the home buying experience – from helping them find their dream home all the

way to closing and beyond. She always goes the extra mile and keeps an open line of

communication. Her consistent exemplary customer service and attention to detail earned

her top honors throughout her career. Sandy’s positive energy is contagious and she is

highly motivated to help others live their dream. Her dedication to helping people

achieve their goals comes naturally, as she’s been a leader in the fitness and yoga

industry for over a decade. She and her husband enjoy biking, hiking, and kayaking in

their spare time.


I AM HERE FOR YOUWH E N Y O U A R E R E A D Y T O F I N D Y O U R D R E A M H O ME

941.716.6400 [email protected]

Sandy StricklerREALTOR® | BUYER 'S SPECIAL ISTABR, PSA , CNE

10+ YEARS REAL ESTATE EXPER IENCE

The day after Bailey graduated from Morehead State with a Business Marketing Degree, she

followed her parents to their new home in paradise, and immediately fell in love with the

area. Three months later she was on her way to Europe to play professional volleyball in

Germany and the Czech Republic, where she embraced the different personalities, cultures,

and customs that she experienced while living abroad.

After 2 years Bailey was ready to start her life in the states, back in the beautiful coastal

community she now calls home. Bailey’s Business Marketing Degree laid the foundation for her

critical thinking and analytical skills, both key in negotiations, and since her return, Bailey has

developed the wide network of family and friends that is so crucial to real estate. Her time

overseas gave Bailey real experience in working with a wide variety of personalities, and her

understanding of the importance of teamwork allows her to seamlessly help guide Buyers

through the complexities of a real estate transaction, as she works so well with everyone.

Bailey’s competitive spirit drives her to help Customers find their dream home, and she is

excited to be part of the Stiver Firth International Team.

Bailey’s hobbies include going to the beach, traveling, reading & playing/watching volleyball.


MAKING THINGS EASIERB Y A S S I S T I N G S A N D Y WI T H A L L H E R B U Y E R S ' N E E D S

941.830.1114

[email protected]

Bailey NicholREALTOR®


TESTIMONIALSD O N ' T J U S T T A K E MY WO R D F O R I T

I highly recommend Sandy Stickler if you are looking for

a home to purchase! She is very responsive and

detai led and helped us f ind the perfect home. We first

met Sandy at an open house last year. We had to stop

our home search due to health issues but Sandy

continued to send me updates at my request. She

stayed in touch but was never pushy. When the t ime

came to start the search again Sandy is the only agent I

got in touch with.

Bev S.

We were on our f ifth house hunting tr ip to Florida

when we met Sandra at an Open House. We feel so

fortunate to have crossed path's with her. Sandra

was nothing short of amazing. She is proactive,

attentive, informative, honest, and was so refreshing

to work with that we bought our dream home without

ever stepping foot in it . Sandra gave us a virtual

tour from 1600 miles away and was with us r ight up

to closing day. Thank you Sandra!!

Stacey B.

Sandy was an AWESOME agent. Although I do not

frequently leave reviews, Sandy went above and beyond

her job as a real estate agent from when we first talked

with her unti l after we closed our home. We were

looking to buy a home in the Southwest Florida area

and came across others who had recommended Sandy.

We were not disappointed. Sandy had a great

understanding of the area and quickly understood what

we were looking for in a home. She showed us homes

through zoom and facetime, and she gave us her honest

opinion of each home. Whi le we did not intend to

purchase a home sight unseen, we had enough

confidence in Sandy that we made an offer on a home

without having seen it and we are thri l led with our

home. In addit ion to handling our transaction, Sandy

was able to provide us a great deal of information

about the area and businesses that we would need both

to close the transaction and afterwards. We highly

recommend Sandy to anyone looking to buy a home.

Carla G.

Sandy Str ickler was exceptional ly responsive whi le we

were shopping for our Florida home from Connecticut.

She found us the perfect home at a great price and got

us through the purchase process. Courteous and helpful

and super communicative. We couldn’t have been

happier.

Martha S.

Sandy was so professional, honest, hard working and

proactive, she would know what I needed before I did

and educate me on everything I needed to know about

the area I was looking into. Wil l always recommend and

use her in the future! Made the buying process seamless

and so enjoyable.

Dan S.

We have been very, very lucky to have worked with

Sandy at Stiver Firth on the purchase of two different

properties. She is the ult imate professional. We l iked

that she stayed in contact with us throughout the

process and was always avai lable to answer our

questions or address our concerns. We are so glad that

we met her.

William S.

Sandy Str ickler was my real estate agent and helped me

find my 'forever ' home. She was very fr iendly and easy

to work with. She handled al l the detai ls for me. Al l I

had to do was show up. Couldn't have been easier!

Thanks Sandy!

Akillara


The reason for our success is simple; over 300 REALTORS® reside in 1 1 conveniently located real estate offices in North Tampa, South

Tampa, Sarasota, Siesta Key, Bradenton, Anna Maria Is land, University Park, Tarpon Springs, Riverview,

Venice and Englewood to provide exemplary real estate marketing service

to our customers buying and sel l ing residential and commercial properties.

Reputations are earned and at RE/MAX Al l iance Group, we are proud of our wel l establ ished reputation

for exceptional customer service. For 30+ years we have adapted to ever changing real estate market

condit ions and provided the most professional and comprehensive real estate services to our cl ients.

RE/MAX ALLIANCE GROUPT H E # 1 R E / MA X O F F I C E I N F L O R I D A F O R 2 0 1 9

Largest RE/MAX in Florida

#1 RE/MAX in Florida for Both Sales Transactions & Sales Dol lar Volume

#15 RE/MAX in the Country for Transactions

Placed in the REAL Trends Top 500 l ist of the largest residential brokers, representing

Listed among the nation’s top 500 brokerage firms in RISMedia’s 2019 Power Broker Report

Recent Awards in 2019:

less than one-half of 1% of al l brokerages in the United States

MEET WITH OUR BUYER SPECIALIST

Discuss the type of propertyyou are looking for.

START YOUR HOME SEARCHThe fun begins here.

Virtual options are available.

MAKE AN OFFERyour agent will prepare the

offer based on the price andterms you choose.

NEGOTIATIONAND CONTRACTS

IN ESCROW. The price and terms are agreed upon.

The home is effectively held for you until closing.

FINAL DETAILSPerform due diligence,

order the appraisal, conduct an inspection

and review terms with the lender.

CLOSINGThis is the transfer of funds and

ownership for your home.Congratulations!

It may take a few tries, but hang in there.

You're on your way!

THE HOME BUYING PROCESS


WE MA K E I T E A S Y F O R Y O U

CongratulationsYOU ' RE A NEW

HOMEOWNER

STEP #1An initial virtual

home buyers consultation

VIRTUAL BUYING


I N 8 E A S Y S T E P S ( L I V E H O M E T O U R S A R E A L S O S T I L L A V A I L A B L E )

STEP #2I will email you properties that

meet your criteria.

STEP #3We will tour your favorite

homes via video conferencing.

STEP #4Once you're ready, we submit

an electronic offer

STEP #5Our team secures an electronic

earnest money transfer

STEP #6I will help you order a

professional home inspection.

STEP #7I help coordinate your signingand notary with a Title Agent.

STEP #8CONGRATULATIONS

You are now a homeowner

FINANCING FIASCOS


T H I N G S T O R E ME MB E R B E F O R E Y O U R H O ME P U R C H A S E

DO NOTBUY A NEW CAR OR

APPLY FOR A NEW CREDIT CARD

REFRAINFROM MOVING

OR TRANSFERRINGASSETS ELSEWHERE

DOUSE EARNEST

MONEY FROM ADISCLOSED SOURCE

Lenders look closely at an applicant’sdebt-to-income ratio. A large purchase,or obtaining new credit cards or credit

increases can greatly affect thoseratios and thwart a borrower from

qualifying for a mortgage loan.

These transfers show up as newdeposits and complicate the applicationprocess. Typically, lenders want to seethat funds have been in an account for60 days (which is why lenders ask for

two months’ bank statements).

Writing a deposit check (or wire) froman account that you did not disclose toyour lender is a sure fire way to cause a

delay, if not an outright denial, of theloan application. Always disclose allfinancial information to your lender.

RESISTTHE TEMPTATION

TO BUY FURNITUREOR APPLIANCES

BE CERTAINNOT TO PACK OR

SHIP DOCUMENTSFOR THE LOAN

ARE YOUPLANNING ON A

REMOTE CLOSINGOF THE PROPERTY

Any new purchase may increase theborrowers debt or appear as a largedebit on bank statements. New or

additional debt increases the risk ofdisqualifying a borrower from loan

approval, or available funds for closing.

Important papers such as tax returns,divorce papers, bank statements andmore should not be boxed up and puton the moving truck. Duplicate copies

can take weeks to obtain & could delaythe Loan Approval and stall the closing.

Many lenders require documents to besigned the day of closing. You cannot

take possession until the Closing Agentreceives the documents the next day &pays the Seller. Inform everyone of aremote closing as soon as possible.

KEEPYOUR CURRENT

JOB IF POSSIBLE TOAVOID PROBLEMS

DO NOTDEPOSIT CASH THAT CAN NOT BE "SOURCED"

DO NOTPAY OFF

ANY MAJOR DEBTS

Since the onset of COVID-19, there havebeen several new prerequisites for

lending, including last minuteemployment verifications to ensure you

are still employeed and your incomelevels have not changed.

If you think you can just deposit yourmattress money into your bank account

to help you pay that down payment,think again. Cash deposits can actuallyruin your chances of being approved

for a mortgage.

This can negatively affect your creditscore for many reasons. If you have

loans that need to be paid off, allow thelender to pay them off at closing andthey will be listed on your settlement

statement.

REAL ESTATE TERMINOLOGY


H E L P I N G Y O U U N D E R S T A N D MO R E

A d j u s t a b l e R a t e M o r t g a g e ( A R M ) The i n te re s t r a te i s t i ed to a f i nanc ia l i ndexmak i ng t he mon th l y mo r tgage paymen t go up o r down ove r t ime .

A n n u a l P e r c e n t a g e R a t e ( A P R ) The pe rcen t o f i n te re s t cha rged on a home l oan .

A p p r a i s a l A r epo r t h i gh l i gh t i ng t he e s t ima ted va l ue o f t he p rope r t y comp le ted by aqua l i f i ed 3 rd pa r t y .

A s s o c i a t i o n F e e / H O A F e e Cer ta i n hous i ng commun i t i e s have a mon th l y f eeas soc ia ted w i t h ma in ta i n i ng t he common a reas and amen i t i e s .

B a l l o o n M o r t g a g e A l ong- te rm mo r tgage l oan t ha t s ta r t s sma l l bu t ha s a l a rgepaymen t due a t ma tu r i t y .

C l o s i n g T h i s i s t he f i na l mee t i ng whe re t he Buye r and Se l l e r s i gn t he neces sa r ypape r -wo r k , comp le te t he t ran sac t i on , and r e l ease/ take pos se s s i on o f t he p rope r t y .

C l o s i n g C o s t s T he Buye r and Se l l e r have expenses a s soc ia ted w i t h t he t ran sac t i ono the r t han t ha t o f t he ac tua l co s t o f t he home .

C l o s i n g D i s c l o s u r e A f o rm t ha t p ro v ides t he f i na l de ta i l s abou t t he mo r tgage l oan .I t i nc l udes l oan te rms , p ro j ec ted paymen t s , and how much t he ex t ra f ees w i l l be .

C o m m i s s i o n A pe rcen t o f t he sa l e p r i ce o f t he home t ha t i s pa id to agen t s . T heSe l l e r pay s commi s s i on to bo th t he Buye r and l i s t i ng agen t i n mos t cases .

C o m p a r a b l e s Homes i n t he a rea o f i n te re s t , r ecen t l y so ld w i t h s im i l a r f ea tu re s .

C o n t i n g e n c i e s Cond i t i on s wh i ch mus t be me t i n o rde r t o c l o se . I f t he con t i ngency i sno t sa t i s f i ed t he con t rac t may be cance led .

C o u n t e r o f f e r T he r e sponse f r om t he Se l l e r i n r ega rd to an o f fe r .

D e b t t o I n c o m e R a t i o Bo r rowe r s ’ deb t ve r su s i ncome ca l cu la t i on t ha t a l ende r u se sto de te rm ine t he amoun t o f l oan you a re e l i g i b l e f o r based on you r ab i l i t y t o r epayex i s t i ng deb t p l u s t he home l oan .

D o w n P a y m e n t T he pa r t o f a home ’ s pu rchase p r i ce t ha t you pay up f r on t and doesno t come f r om a mo r tgage l ende r v i a a l oan .

E a r n e s t M o n e y T he depos i t made f r om t he Buye r t o t he Se l l e r when subm i t t i ng ano f fe r . T h i s depos i t i s t yp i ca l l y he ld i n t r u s t b y a t h i r d pa r t y . Upon c l o s i ng t he moneyw i l l gene ra l l y be app l i ed to t he down paymen t o r c l o s i ng cos t s .

E q u i t y T he d i f f e rence i n t he ma r ke t va l ue ve r su s wha t i s owed on t he home .

REAL ESTATE TERMINOLOGY


H E L P I N G Y O U U N D E R S T A N D MO R E

E s c r o w T h i s t e rm has mu l t i p l e mean i ngs ; ea rnes t money i s t yp i ca l he ld b y a t h i r dpa r t y un t i l c l o s i ng i n “ e sc row” . I t can a l so be r e fe r r ed to a s t he t ime pe r i od f r omwhen t he con t rac t i s w r i t t en and accep ted to when t he home sa le ac tua l l y c l o se s .

F H A A mo r tgage i s s ued by an FHA-app roved l ende r and i n su red by t he Fede ra lHous i ng Adm in i s t ra t i on ( FHA ) .

F i x e d R a t e T he i n te re s t r a te r ema in s t he same fo r t he en t i r e l i f e o f t he mo r tgage .

H o m e E q u i t y L i n e o f C r e d i t A l oan o r l i ne o f c red i t t ha t i s de te rm ined based on t heequ i t y o r home ' s va l ue a f te r s ub t rac t i ng t he l oans owed .

H o m e I n s p e c t i o n T he p roces s i n wh i ch a p ro fe s s i ona l i n spec t s t he Se l l e r ’ s home fo ri s s ue s t ha t a re no t open l y appa ren t , t hen c rea te s a r epo r t f o r t he Buye r t o r e v i ew .

H o m e W a r r a n t y —An annua l se r v i ce t ha t cove r s t he cos t o f r epa i r s o r r ep lacemen t sto i t ems cove red i n t he p lan .

M o r t g a g e I n s u r a n c e I n s u rance w r i t t en i n connec t i on w i t h a mo r tgage l oan t ha tp ro tec t s t he l ende r i n t he e ven t t he bo r rowe r canno t r epay t he i r l oan .

P r e - A p p r o v a l T he p roces s i n wh i ch a Buye r mus t p ro v ide a mo r tgage p ro fe s s i ona lt he app rop r i a te i n fo rmat i on on i ncome , deb t s , and a s se t s t ha t w i l l be u sed to makethe i n i t i a l c red i t on l y l oan dec i s i on .

P r e - Q u a l i f i c a t i o n Once app roved fo r a l oan , t h i s i s t he p roces s i n wh i ch t hemax imum sa le p r i ce , l oan amoun t , and mon th l y paymen t s a re ca l cu la ted fo r t hebo r rowe r . T h i s i s no t a l oan app rova l howeve r , i t i s u se fu l t o k now p r i o r t o sea rch i ngfo r a home .

R E O T he te rm fo r a p rope r t y owned by a l ende r because i t f a i l ed to se l l i n afo rec lo su re auc t i on a f te r t he bo r rowe r de fau l t ed on h i s o r he r mo r tgage .

S h o r t S a l e A s i t ua t i on when t he Se l l e r ’ s l ende r i s w i l l i ng to accep t an o f fe r anda l l ows t he sa l e t o be comp le ted fo r an amoun t l e s s t han t he mo r tgage amoun t owed .

T i t l e A l ega l documen t p ro v i ng cu r r en t and p rope r owne r sh ip o f t he p rope r t y . T h i sdocumen t h igh l i gh t s t he h i s t o r y o f p rope r t y owne r sh ip and t ran s fe r s .

U n d e r w r i t i n g —The p roces s i n wh i ch t he po ten t i a l home Buye r i s e va l ua ted fo r t he i rf i nanc ia l ab i l i t y t o ob ta i n and repay a l oan .

V A L o a n L oans fo r Ame r i cans who have se r ved i n t he a rmed fo rces . T hey a readm in i s t e red by t he Depa r tmen t o f Ve te ran A f fa i r s .

Thank you for choosing the

Stiver Firth Real Estate team

to assist you with your home

buying needs. We look

forward to working with you

either virtually or in person to

determine what your real

estate goals are!

2230 South McCall Rd

Englewood, FL 34224

941.716.6400

[email protected]

StiverFirth.com

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