Florida's Nature Coast Lifestyle

Prep Now For Buying A Home

Buying a Home with Pam Cleary Movement Mortgage

The home-buying process is extensive and can be overwhelming – especially for new homeowners, and even more so if you don’t do your homework.

If you’re in the market to buy, now’s the time to start preparing; and we’re here to help.

We interviewed two industry experts to help homebuyers prepare for a purchase. Movement Mortgage Loan Officer Leslie O’neal and Mirambell Realty Real Estate Agent Christopher Cazenave share their expertise:

Get Pre-Approved

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The moment you decide to buy a house, work with a lender to get pre-approved for a mortgage loan. Knowing how much you qualify for will narrow down your options and help direct your search.

A word of caution, though: don’t overextend. Just because you qualify for a $250k loan, doesn’t mean your home should cost $250k. There are other expenses to consider, like interest payments, homeowners insurance and taxes.

Prioritize your Priorities

After you have an idea of how much you’d like to spend, decide on the lifestyle that suits you and your family. Consider factors like proximity to good schools, convenience to shopping and entertainment, how much land you’d like, and so forth. Deciding what’s most important to you will help further focus your search.

Start Saving

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Most lenders require a down payment towards your mortgage loan, which could be up to 20%. If you don’t have enough money at your disposal, save for a bit longer or perhaps borrow against your IRA or retirement account (be sure to read the terms first, though!)

Despite how you come up with the deposit, be sure you can prove the source of the funds. Lenders won’t accept cash payments, and if your down payment was a gift from a generous giver, be prepared to provide a gift letter.

Count the Cost

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You should also be prepared for other out-of-pocket expenses during the home buying process. You’ll need money for things like closing costs and home inspections before your close, and furniture, appliances and utilities afterwards. Do your homework to understand how much money you’ll be paying upfront and save accordingly.

Credit Matters

Be extra careful with your credit during this process. Review your credit report and make sure there are no inaccuracies. Avoid opening new credit accounts and making major purchases. Several inquiries can negatively impact your credit score, which can impact your loan decision and your interest rate.

Enlist a Pro

Coldwell Banker Next Generation Realty of Citrus County Florida

When it comes to finding your dream home, don’t go at it alone. A qualified real estate agent is familiar with the ever-changing real estate market, can guide you through the process (including contract negotiations), and help you make a wise choice, considering your budget and lifestyle needs. They also share tips and tricks with you along the way to save you time and money.

Clean House

Once you find the perfect home, you’ll be moving in a matter of weeks. Take time early in the process to get rid of items you don’t want to bring with you. For inspiration, read our list of creative ways to purge. Starting early will make it easier to pack when the time comes.

Take Some Time

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The home-buying process doesn’t happen overnight. Carve out time in your schedule for conversations with your lender and realtor, home inspections, closing meetings, and so forth. As you get closer to your move date, consider taking time off work to pack, move, and get settled in your new place.

Get an early start and you’ll soon be enjoying a new home.


As a Movement blog contributor, Danielle Flynn gets to mix her healthy obsession for creative, high-quality writing with a background in financial services. She’s a native Charlottean and UNC Charlotte grad who splits her writing time with wedding and event planning. When she’s not working, Danielle volunteers in a weekly Bible education ministry and enjoys traveling the world with her husband and spending time with family and friends.

For more useful tips and mortgage information, contact Pam Cleary at Movement Mortgage today by visiting her website. You can also visit her at 7773 S. Suncoast Blvd., in Homosassa, Florida. Call her directly at (352) 634-0716.

Coldwell Banker Next Generation Realty of Citrus County.

Courtesy of Pam Cleary, Branch ManagerMovement Mortgage.

Make the Move to Citrus County, Florida

Coldwell Banker Next Generation Homosassa Florida will find your Sugarmill Woods home.

There is something for everyone when you are at your leisure in Citrus County Florida. So if you are looking for an idyllic setting to call home, contact Next Generation Realty in Sugarmill Woods. Their real estate experts will help you find the perfect home in Citrus County. The hardest part will be furnishing your home. Speak with a professional today: (352) 382-2700.

Build Your Dream Home on the Nature Coast

Alura IV Edward Russell Johnston Inc.

When you’re ready to build, contact the trusted professionals of Edward Russell Johnston Inc. Over 43 years of experience building beautiful homes in Sugarmill Woods and across the Nature Coast. Give them a call to discuss how you can create the home of your dreams: (352) 795-2200.

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