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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Let CARY HICKS lead you through this experience.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Tampa real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	What is the largest home in Hollywood?
A	The largest home in Hollywood is currently "The Manor" at 36,500 square feet, built by T.V. producer Aaron Spelling for $37 million.
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Cary Hicks, REALTOR®, real estate agent and broker for Tampa, South Tampa and Hillsborough County, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Cary Hicks
Keller Williams-Hicks Group
1208 E. Kennedy Blvd #232
Tampa, FL 33602
Cell: 813-299-2047
Fax: 813-425-7763
info@caryhicks.com
Cary Hicks and his team are one of Tampa's top Real Estate Teams. We have extensive skills and experience working with buyers and sellers, including assisting numerous Local and National companies on their Relocations. My goal is to create a "CUSTOMER FOR LIFE" through excellent service, honesty, expertise and the personal service you deserve. SELLING TAMPA EVERY DAY!!!!

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