learn about the process

Every transaction brings a unique scenario, just like every family is unique, like a snowflake! Not training or a simple class can teach the tactics and strategies that you learn from decades of experience and closing thousands of transactions. That's right THOUSANDS. 
We focus on the families and their long term financial goals. We love when a home gets a new family!

In real estate and mortgage lending absolutely nothing
can replace experience.  

we've perfected it

the Process

By streamlining the process with a Lender and Real Estate partner all in one, the communication, strategy and direction are seamless. We have a disciplined process that we've cultivated, tested, and strategically created over years of research and development. 

By leveraging technology and intuitive client-driven protocols, the Seller and Buyer are informed, prepared and have the peace of mind of a smooth transaction from listing to contract, financing, closing and finally, moving day! 

Contract to Closing

the process

With a masters degree in marketing and a 20 year career in real estate, no one is more credentialed to sell your home.  I am a passionate Business Developer and a fierce negotiator when representing my clients. Our mission is to make the process stress free and pleasant while making sure your asset brings you the highest and best price.
With over one thousand closings under my belt, my experience with the details such as seller net sheets, closing costs, title insurance, and tax consequences serve our Seller and protect their finances when selling what is often among their largest asset. 

complimentary consultation

Thinking of selling your home? 

Selling

HOW MUCH ARE THE CLOSING COSTS?
In Florida, both the Buyer and the Seller have their own set of traditional closing costs, unless specified otherwise in the contract. Closing costs include things like appraisal, title insurance, survey, etc. For the Buyer's side closing costs can range anywhere from 2% - 3% of the loan amount. The Seller's closing costs are much less, usually closer to 1% - 2%.
 
HOW DOES MY CREDIT SCORE AFFECT MY HOME PURCHASE?
Your credit score is critical to your approval and directly impacts the interest rate for which you will qualify. It is important to monitor your credit score, keep your credit cards paid on time, and your balances as low as possible.

HOW QUICK CAN WE CLOSE?
Typically standard conventional financed transactions close in 30 days. Some loan programs may take 45 days. Cash buyers can close much quicker even as little as a week.

WHAT TYPES OF LOAN PROGRAMS?
 In addition to conventional and jumbo loan programs, government loans (such as FHA/VA/USDA) can also be a wonderful tool to get your family qualified for a new home. Doctor loans and loans for first-responders and teachers are also a specialized lending channel with underwriting guidelines favorable to those Buyers. 

WHAT IS THE INTEREST RATE?
Interest rates change every day, much like the stock market, so shopping for interest rates can be a little tricky. You really need to know what you are looking for. Are you paying a discount fee or "buying down" your interest rate? Our lending partner always guarantees the lowest rates available and is happy to provide a quote! Contact justin@almortgageinc.com. 




Frequently Asked Questions

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thank you!

        Leslie                   Heimer
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