Parrish Home Buying Process

Posted by: Linda Reynolds  /  Category: Buyers

Below is a list of events that will occur before you start looking for a home, while you are looking for a home and after you have found a home and have it under contract:

1. You need to find out how much of a home you are pre-approved to purchase.
2. Before you find a home and put it under contract, you need to choose a lender that you will be getting financing through and who is going to give you the best terms and conditions.
3. This is a list of the documents lenders typically ask for, the sooner you get these to them the easier the process goes. I suggest giving a copy of these documents to them right at the start.
a. Last 2 years work history
b. Last 2 years W-2’s
c. Last 2 years verification rental history or mortgage payments
d. Year to date pay stub
e. If on disability, social security or pension and you are claiming that income you have to show proof of that income
f. Bank statements from the last 12 months
g. If you are divorced or separated, you must provide either the divorce decree or separation agreement.
h. If claiming Child support income, you need to show proof of receipt
i. If you have filed bankruptcy, you will need to provide a certified legal copy of discharge
j. Any judgments or tax liens must be paid off
k. If you are paying child support, you must show proof that you have been paying in a satisfactory re-payment plan
l. If you have any 401k, IRA, Stocks & Bonds or savings accounts, you will need to provide statements from those accounts.
4. You need to get a copy of a pre-approval letter without a dollar amount on it to accompany any offers you make on a home so the sellers are aware that you are already pre-approved.
5. Now it’s time to start looking for a home. Your agent will set up an automated search for you and email you all the active listings in the MLS that fit the criteria of the home you are looking for based on the amount you have been pre-approved for. This saves you time from having to drive around looking for homes that are for sale.
6. Once you find the home you are looking for and make an offer on it, and the offer is accepted, you are now under contract to purchase that home.

NOTE: Additional documentation may be requested depending on your situation. Your lender maty also require you to pay any outstanding bills as well before closing on the home. You lender will let you know if this is required. Do not change your job, charge your credit card or affect you credit in any way, this will stop the loan process and no money will be funded. The mortgage company runs a second credit check right before lending the money, for this reason you will need to wait until after the closing for any change or purchase.

7. The Home Inspection and the Termite Inspection will be ordered. You are more than welcome to be there when the inspections are being done.
8. The lender that you chose to do your financing through will order the Appraisal. You are also welcome to be there for that as well. Survey will be ordered by the Title Company.
9. You will need to purchase homeowners insurance for a year, and provide the Declaration page to the Title Company as proof you purchased before they will allow you to close on the home. Your Insurance Company can fax a copy of that page to the Title Company.
10. Once the Home Inspection report comes back, your agent will meet with you to discuss the findings, and evaluate which items need to be repaired depending how the contract was written between the buyer and the seller. The seller will then make the requested repairs if the buyer and seller agreed that the seller would make repairs.
11. One day before closing your agent will do a final walk through of the home with you to make sure the home is in the condition it is suppose to be in and repairs were completed (if required)..
12. Your agent will go over the HUD-1 statement with you to make sure all figures are correct.
13. The Title Company will advise you of the dollar amount you need to bring to the closing in CERTIFIED FUNDS, personal checks will not be taken You will also need to bring your drivers license to closing.
14. Congratulations on the purchase of your home!!

As a reminder….It is imperative that you know what financing company will be doing your financing before you put a home under contract so the lender will have time to get all paperwork completed in a timely manner and it does not hold up the closing. The lender will also be able to provide your agent with the correct amount of closing costs so it can be written into the contract if you are expecting the seller to pay your closing costs. The more you get done ahead of time, the smoother your closing will go.

Forest Creek in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

Forest Creek is located on US Hwy 301 south of the town of Parrish. This new community was developed by Neal Communities. As with all his communities, nature was left in tact. The mature trees were not just plowed down to make room for another development, Pat takes the time to build the community around the existing nature. For this, his developments are my favorites.

Forest Creek consists of three collections they are as follows:

Creekside Collection - This collection consists of maintanance free living. There are six different floor plans to choose from.

Oak Hill Collection - This collection consists of single family homes, there are eight floor plans to choose from.

Townhome Collection - This collection consists of the townhouses, there are three floor plans to choose from.

Amenities include:

Bird Rookery

Observation Gazebos

Nature Trails

10 acre lake

Community Gathering Area with pool and spa

Finally builders are starting to build affordable housing. The Rose Cottage is 1200 sq ft, 2 bedrooms and 2 baths with a 1 1/2 car garage attached in the back.

You have your choice of 3 different elevations. This is truly a charming Key West style home that must be seen to be appreciated.

CDD fees for the Rose Cottage are as follows:

CDD Bonded Improvement Fee is $729.64 and will be billed on your annual property tax bill

CDD Operations and Maintenance Fee is estimated at $699.82 per year. This covers the maintenance of the lakes, common areas, recreation facilities, community pool, fitness center, gated entries and non potable water for your irrigation system and is paid annnually on your tax bill.

Homeowners Association is $86.80 per year and this fee covers administration and management of the community.

Basic Cable is $400.32 per year

HOA Capital Contribution is $487.12 a one time fee equal to the then current HOA regular assessment plus cable. Payable at closing.

REMEMBER - these fees are what is being quoted today we always need to double check prices and fees when you are ready to purchase.

Gull Cottage is a charming Key West style home which is 1,648 sq ft, 3 bedrooms 2 1/2 baths and a 11/2 car garage. The garage is situated behind the house to maintain the charm of the Key West style.

I have to commend Neal Communities for providing affordable housing. This home starts at $153,900, but be aware that the builder reserves the right to change the prices at any time, so don’t delay. There are only 63 lots available for these charming homes.

CDD fees for Gull Cottage is as follows:

CDD Bonded Improvement Fee is $729.64 and will be billed on your annual property tax bill

CDD Operations and Maintenance Fee is estimated at $699.82 per year. This covers the maintenance of the lakes, common areas, recreation facilities, community pool, fitness center, gated entries and non potable water for your irrigation system and is paid annnually on your tax bill.

Homeowners Association is $86.80 per year and this fee covers administration and management of the community.

Basic Cable is $400.32 per year

HOA Capital Contribution is $487.12 a one time fee equal to the then current HOA regular assessment plus cable. Payable at closing.

REMEMBER - these fees are what is being quoted today we always need to double check prices and fees when you are ready to purchase.

The Lake Cottage consists of 1,419 square feet, 2 stories with 2 bedrooms and 2 1/2 baths and a 1 1/2 car garage.

This charming Key West style home resides in the new section just opened in Forest Creek. Prices start at $136,900 for this model, The builder reserves the right to change prices at any time without prior notice so you will want to grab yours quick before those prices start to rise.

CDD fees for the cottages are as follows:

CDD Bonded Improvement Fee is $729.64 and will be billed on your annual property tax bill

CDD Operations and Maintenance Fee is estimated at $699.82 per year. This covers the maintenance of the lakes, common areas, recreation facilities, community pool, fitness center, gated entries and non potable water for your irrigation system and is paid annnually on your tax bill.

Homeowners Association is $86.80 per year and this fee covers administration and management of the community.

Basic Cable is $400.32 per year

HOA Capital Contribution is $487.12 a one time fee equal to the then current HOA regular assessment plus cable. Payable at closing.

REMEMBER - these fees are what is being quoted today we always need to double check prices and fees when you are ready to purchase.

The Blue Sky is a beautiful home which consists of 2,132 sq ft, 3 bedrooms, 2 baths and a 2 car garage. The prices start at $202,900 but the builder reserves the right to change the prices without prior notice so don’t delay purchasing your new home today.

This section of Forest Creek just opened this past weekend, judging buy the volume of people that were there, these lots won’t last long. It is clear to see that this is just what our buyers have been waiting for, affordable housing.

Twin Rivers in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

Big homes, large lots, country living, that is the description of beautiful Twin Rivers in Parrish Florida.  If you like country living, the peace and quiet of getting away from it all, then you want to call this neighborhood home. 

Located on Golf Course Road in Parrish sits this beautiful community.  A playground, tennis courts and park like setting are some of the
amenities the neighborhood has.  This is definitely a move up community where the homes have all the bells and whistles.

Rose Cottage in Forest Creek Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

Finally builders are starting to build affordable housing. This cute 1200 sq ft cottage is 2 bedrooms and 2 baths with a 1 1/2 car garage attached in the back.

The prices start at just $122,900 and you have your choice of 3 different elevations. This is truly a charming Key West style home that must be seen to be appreciated.

CDD fees for the cottages are as follows:

CDD Bonded Improvement Fee is $729.64 and will be billed on your annual property tax bill

CDD Operations and Maintenance Fee is estimated at $699.82 per year. This covers the maintenance of the lakes, common areas, recreation facilities, community pool, fitness center, gated entries and non potable water for your irrigation system and is paid annnually on your tax bill.

Homeowners Association is $86.80 per year and this fee covers administration and management of the community.

Basic Cable is $400.32 per year

HOA Capital Contribution is $487.12 a one time fee equal to the then current HOA regular assessment plus cable. Payable at closing.

REMEMBER - these fees are what is being quoted today we always need to double check prices and fees when you are ready to purchase.

For more information on this home or any other new construction, call 941-723-0017 and we will be happy to assist.

Don’t forget that it costs you NOTHING to use your own agent so that you’re fully represented when you do decide to purchase! Our commission is paid for by the builder and is already included in the price of the home! It just makes sense to have your own agent!

 

River Woods in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

River Woods is a beautiful community tucked away in Parrish Floridaoff of Old Tampa Road.  Its location makes it convenient to Palmetto, Bradenton, Sarasota, Tampa, Brandon and St Petersburg. Beautiful Lennar homes with some of the best floor plans I have seen grace this lovely neighborhood. 

If the individual home doesn’t have a pool, no worries, the community hosts a huge community pool located towards the front of the neighborhood.

River Woods is a peaceful community that sets is somewhat of a country setting yet close to stores and amenities. 

If you are looking to move up from your starter home or just looking to get out of the city, check out River Woods.  I think you will be pleasantly surprised.

River Wilderness in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

If golfing is one of your favorite pastimes and you want to live in a gated community, then River Wilderness Real Estate in Parrish Florida just might be the place you want to call home.  Located in Parrish, it is convenient to Palmetto, Bradenton, Sarasota, St Petersburg and Tampa.

River Wilderness also has a 27,000 square foot Clubhouse that hosts many activities such as art classes, card games, and many others.  The 3,800 square foot athletic center provides many activities including tennis, swimming, work out center and more.  If you need to purchase golf equipment, the Pro Shop is right there for your convenience.

Rivers Reach in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

This is by far my favorite community, River’s Reach in Parrish Florida. Peaceful, serene, tranquil are the words that come to mind
while visiting this premier community in Parrish. Located on the Manatee River in Parrish Florida resides one of the most beautiful communities to be added to Parrish Real Estate.

Why you ask, does this one stand out above all the rest. The rolling hills, mature trees left standing majestically throughout the development, large lots giving everyone plenty of space between the homes, nature trails, picnic areas, gazebos and a canoe & kayak livery and of course the beautiful award winning homes. Neal communities goes above and beyond when it comes to landscaping the community as well as the homes they build. They are leaving 58% of this community natural, no other builder goes so far to make sure the beautiful oak trees stay in tact. Everything is top of the line from the landscaping at the front entrance down to the last detail of planting landscaping around the utility boxes and the construction trailer so they are hidden.

I was impressed by the quality of building as well. 42″ high upper cabinets, Volume ceilings, classic moldings, six panel interior doors, Corian window sills, huge walk in closets, R-30 ceiling insulation, High efficiency 13 seer air conditioning system, double pane glass windows, and much more.

Home sizes range from 2,128 - 3,923 sq ft and each home has 2 elevations to choose from. This community definitely adds quality to the Parrish Real Estate market and Luxury Homes in Parrish. If you would like further information about River’s Reach or Parrish Real EstateCLICK HERE and we will be happy to assist.

Location: Go to the end of Golf Course Rd and turn right, River’s Reach on the right.

River Plantation in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

River Plantation is located in ParrishFlorida off of Mulholland Road.  The amenities include a playground and a clubhouse for community use.  Commuters will find it easy access to Bradenton, Palmetto, Tampa, and St Petersburg.

Just a short drive and you will arrive at the Ellenton Outlet Mall.  Banks, drug stores, grocery stores and restaurants are located throughout the area making it easy to run your errands. If you are looking to live in the country but be close to the city then River Plantation in Parrish Florida might be a good choice for you.


If you would like to know more, call anytime, it would be our pleasure to discuss the new market trends with you.

Pleasant Oaks in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

Located in Parrish by US Hwy 301 and Old Tampa Road is the community called Pleasant Oaks in Parrish Florida
Pleasant Oaks in Parrish  is conveniently located to Bradenton, Palmetto, Tampa and
St Petersburg.  This makes it a great option for commuters.
Parrish real estate is the hot area for real estate in Manatee County.  There are many new developments as well as existing ones, giving you many choices to choose from.  Communities by Pleasant Oaks in Parrish Florida are River Woods, Timberly, River Wilderness, Kingsfield, Kingsfield Lakes.  It is also by the Albertsons Plaza so running those errands are easy.

If you are looking to make a move you have to check out the Parrish real estate market.

If you would like to know more, call anytime, it would be my pleasure to discuss the new market trends with you.

Lexington in Parrish Florida

Posted by: Linda Reynolds  /  Category: Parrish Neighborhoods

The perfect location between Tampa, St Petersburg, Palmetto and Bradenton.  Lexington is located in Parrish and contains single family homes and villas. Parrish Real Estate is expanding every month it seems with new developments opening up on a regular basis.  Lexington in Parrish Florida was one of the first developments to open along the 301 corridor.

Take a walk through the 2 miles of foot paths. Spend a lazy day out fishing on the fishing pier.  Invite your friends over for a game of basketball on the full length basketball court. 

Afterwards, enjoy the huge pool with water sprays. Have a picnic on the 75 acres of open space and let the kids enjoy the playground.  There is something for everyone at Lexington in Parrish FloridaLexington Real Estate in Parrish FL has some of the most beautiful homes built by Bruce William Homes.