Clearwater Beach, Tampa and St. Petersburg, Florida real estate and homes for sale in Florida - Joanne Hiller & Associates, REALTORS® Joanne Hiller & Associates REALTORS(r) for Clearwater Beach, Tampa and St. Petersburg, Florida real estate - NUMBER1EXPERTS™ Joanne Hiller & Associates NUMBER1EXPERTS(tm) for Clearwater Beach, Tampa and St. Petersburg, Florida real estate
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Joanne Hiller & Associates, REALTOR®, real estate agents and broker for Clearwater Beach, Tampa and St. Petersburg, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

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First Time Homebuyers: Clearwater Beach, Tampa and St. Petersburg, Florida home buying, real estate listings, and homes for sale in Pinellas County, FL
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Clearwater Beach, Tampa and St. Petersburg 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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Real Estate Tips
Insurance >Home Warranties

You have just found a new home that you love and are planning to place your current home on the market. When the day arrives for your first open house, you begin to think of all of the things that could break down or go wrong. The air conditioner may stop working or your trusty old dishwasher might "bite the dust" the morning that the structural inspection is scheduled. Purchasing home warranty protection is one way to reduce these worries for you and your buyer.

The most popular warranty plans cover the home from the time it is listed until one year after the closing date. Although the details of these policies vary, there is usually a standard deductible of $35 to $100 (this amount differs from state to state). Many sellers purchase these warranties to make their property more attractive to potential buyers and to limit their liability in the event that a problem is discovered after the closing.

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Real Estate Trivia
Q 
What are the financial benefits of having a home near a body of water?

A 
The mere presence of water within 300 feet increases a home's value by 22 percent.
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Joanne Hiller & Associates, REALTOR®, real estate agents and broker for Clearwater Beach, Tampa and St. Petersburg, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

JOANNE HILLER & ASSOCIATES
JOANNE HILLER ASSOCIATES OF ISLAND ESTATES REALTY

132 ISLAND WAY, CLEARWATER, FL 33767
110 ISLAND WAY, CLEARWATER, FL 33767
Toll Free: 1 888-449-0041
Fax: 727-446-2691
Tel (132 ISLAND WAY): 727 449-0040
Tel (110 ISLAND WAY): 727 447-0040
Email: joannehiller@NUMBER1EXPERT.com

SINCE 1978 AS REAL ESTATE PROFESSIONALS JOANNE HILLER & ASSOCIATES ARE THE TOP AGENTS IN THEIR AREA. THEY HAVE CARVED OUT THEIR NICHE IN THE SPECIALIZED AREA OF LUXURY-CLASS ESTATES, WATERFRONT HOMES AND CONDOMINIUMS ON CLEARWATER BEACH. THEIR ACHIEVEMENTS DEPICT MEGAMILLION SALES AND NUMEROUS SALES AWARDS.

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