Michelle is a full-time Realtor serving Central Florida. She has over 10years experience in the real estate industry Her background includes holding a California real estate license and mortgage loan processing It is her job to help guide you through the home buying or selling process, while keeping you informed every step of the way Michelle's top priority is to make sure you receive ELITE service from start to beyond!
Recent changes in real estate require us to use a buyer-broker representation agreement, which outlines our mutual expectations before we can show homes. This is now mandatory for all real estate professionals and brokerages. The BuyerBroker Representation Agreement allows me to work on your behalf and explains my broker fee, including potential ways for the seller to cover it instead of you.
Copy of driver’s license and social security card for each borrower.
Accepted purchase agreement and copy of listing sheet.
Application fee in the amount of: $
Income:
•
•
•
•
•
•
Past 2 years’ history ofemployment with addresses, phone numbers and length of time on the job.
Past 2 years’ W-2 forms
Most recent paycheck stubs (30 day minimum)
Verification of other income: social security, child support, retirement, etc
If self-employed: Past two years’ tax returns including all schedules and a profit and loss statement for the current year signed by your accountant.
Copies of leases for all rental properties.
Assets:
•
•
•
•
•
•
Most recent statements (for 3 months) for all bank and credit union accounts.
Stocks and bond: provide copies of certificates or most recent statements from stockbroker. Make, model and value of automobiles, boats, etc.
Creditors:
Creditcards: provide account numbers and statements showing current balance
Installment loans: provide account numbers, balances, monthly payments and addresses.
Mortgage loans: provide account numbers, balances, monthly payments and addresses on all properties presently owned or sold within the last 2 years. Bring s
Landlord Information:
Name and address of all land lords for the past 2 years.
Bankruptcy and/or Adverse Credit:
Bankruptcy discharge and schedule of creditors
Letter of explanation
Divorce decrees, if applicable, including property settlements, quit claim deeds, modifications, etc.
Copy of contracts or listing agreement for home you are selling
VA Only:
Certificate of eligibility DD214
Other:
Your offer was accepted. Now the fun part begins. To expedite the purchase of your home, we'll need to do the following in a timely manner.
We will need this as soon as possible, but no later than 48 hours from when the offer is fully executed Your deposit should be a personal check made out to COLDWELL BANKER Keep in mind; your lender will need to verify that the money came from your personal account so please refrain from using any cash.
3. 2. 4 Inspections:
I'm including a list of my top inspectors in the area. Please feel free to compare them and schedule a time at your earliest convenience Once you have done so, please let me know the time and date so I can schedule it with the sellers Keep in mind that inspectors schedules can fill up quickly and we only have 10 days to complete all inspections from the time the offer was accepted
Typically, sitting down with your lender as soon as your offer is accepted is a good idea but let's make sure the appraisal is not ordered until inspections are complete and approved The reason why we do this, is to avoid an appraisal cost if the home has unforeseen issues that are discovered with the inspection
Order Title Work: Start the Loan Process: Earnest Money Deposit (EMD): By Date: Immediately By Date: By Date:
I'll order title as soon as I have a fully executed contract It typically takes 5-8 days Once I have received it, I'll look it over and point out anything that might be an issue or cause a delay
HOME INSPECTORS: COMPANY - CONTACT
Quintavius Bell
407-276-4976 | qbell@proinspectsolutions com | proinspectsolutions.com/quintavius-bell
Tanya Hayes
321-917-9622 | tanya@tefirm.com |
LENDERS: COMPANY - CONTACT
Kenol Cadet
407-399-0278 | kenol.cadet@nafic.com |
Ted Bogert
407-810-5670
Since our founding in 2017, BELL Realty & Associates LLC has been dedicated to providing exceptional real estate services in Florida With a passion for helping families achieve their home ownership dreams, we have proudly assisted over 100 families in finding their perfect homes Whether it’s purchasing land for a future dream home or closing on a luxury property, our expertise spans all types of real estate transactions Our commitment to personalized service, integrity, and excellence ensures that every client receives the best possible experience throughout their home buying or selling journey
across some pretty amazing local service providers like lenders, insurance providers, roofers, plumbing & heating, construction, cabinetry, interior designers, architects, home warranty, furnishings, handymen, the best restaurants to go to, doctors, dentists, lawn care and landscape design, car dealerships and service - and that’s just the short list! The most common question we get when it comes to home and the local communities and neighborhoods we serve is “Who do you recommend?” Our clients are just real people looking for a way to find trustworthy local businesses that perform high- quality work We take great pride in delivering an exceptional experience when it comes to HOME and recommending exceptional service providers
So welcome!