(941) 404-4737 www.TheCoffeyGroup.com
HOME BUYERS GUIDE
REAL ESTATE ISLAND LIFE
REALTY
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SELECTING A REAL ESTATE AGENT
Once you are serious about buying a home, find a real estate agent you trust. A licensed real estate agent can provide you with a helpful information on homes and neighborhoods that isn’t easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. Also, did you know that the buyer does not pay for their agent’s service? The seller pays the agent’s commission! Why is it important to sign the buyer agent representation contract? The buyer’s agent contractually agrees to be an advocate for the buyer, to advise, to disclose all material facts about the property, to be reasonably available to the client, and to do everything within reason to get the sale to close, while protecting the buyer’s interest. Agents are instructed to present the Exclusive Buyer Agreement at their face to face meeting with a potential client.
TOP THINGS TO KNOW WHEN CHOOSING A REALTOR
INTEGRITY | Is this person honest, ethical, and respected in the community and industry?
KNOWLEDGE | Does this person have the ability to guide me through this entire process?
RESULTS | Does this person have a proven track record to give me confidence in achieving my desired results?
TRUST | Do I trust this person to genuinely represent me and my best interest?
GOOGLE | When I Google this person, what do I find?
TEAM | Does this person have a whole team of specialized professionals working together to serve me?
EXPERIENCE | Is this person a seasoned real estate expert?
PASSIONATE | Is this person’s passion for this industry evident? SERVICES | Does this person provide state-of-the-art staging, photography, client care, and marketing?
LOCAL | Is this person truly familiar with my market?
MEET THE TEAM THE COFFEY GROUP
JANE ONTIVEROS DIRECTOR OF MARKETING
KATHERINE ESGUERRA DIRECTOR OF OPERATIONS
THOMAS SONS DIRECTOR OF SALES
JUAN MORENO LISTING MANAGER & TRANSACTION COORDINATOR
JULIE SNYDER LICENSED SALES ASSOCIATE
JONATHAN DIMLA CLIENT CONCIERGE
Brandy believes the basic tenets of service should be knowledge, honesty, loyalty, and trust. Marked by this philosophy, and a high degree of work ethic, The Coffey Group has consistently been in the top 0.04% for overall sales volume for Sarasota and Manatee County. Keller Williams no�ced the success and felt the opportunity to own a Keller Williams brokerage was well deserved. Brandy has been an area resident in Sarasota for 39 years, licensed for 20 years, and is a local graduate of USF. Brandy holds mul�ple professional designa�ons including Cer�fied Interna�onal Property Specialist, Accredited Buyer’s Representa�ve, and Licensed Real Estate Broker. Brandy con�nually works with interna�onal brokers through a referral network of members with her Transna�onal Referral Cer�fica�on. She is a member of the Ins�tute for Luxury Home Marke�ng and holds the Cer�fied Luxury Home Marke�ng Specialist Designa�on and is a member of the Million Dollar Guild. Brandy was recently asked to be a Social Media Ambassador for Keller Williams Realty Interna�onal. Brandy has established herself as an expert in the second-home and investment property market with her Resort & Second Home Specialist Cer�fica�on and has earned the Cer�fied Residen�al Property Designa�on and is a Cer�fied Auc�on Agent. She is a Na�onal Associa�on of REALTORS® Green Designee. Brandy is a Cer�fied Distressed Property Expert. Having processed countless short sales from 2006-2011, she has experience in foreclosures preven�on. Her mission is to help as many people as possible increase their net worth, and by doing so, she knows they will feel inclined to give back to their community. She feels everyone can benefit from working with a true Real Estate Professional Consultant. Brandy offers a 72Sold Program that creates an opportunity for you to see the highest offers from the best buyers in the market for your home in 8 days or less. Brandy specializes in Senior Reloca�on Services. She is well versed in 1031 exchanges, DSTs, and Trusts. Her knowledge helps her in assis�ng clients in planning for their future. Brandy is the Opera�ng Principal & Broker for Keller Williams Island Life Real Estate & KW Suncoast. She felt Keller Williams was the perfect fit with the #1 training company in the world for her agents. Brandy takes a Ritz Carlton approach for client experience and owns Florida Suncoast Property management and Suncoast Repair & Remodel for residen�al and commercial property to service all of her clients with their income-producing property needs in Southwest Florida. C & J Staging & Design was developed to showcase her proper�es in the best way possible in a compe��ve market. Brandy has partnered with a well-known Interior Designer, Joan Greenfield to ensure the best possible service for all of her clients’ design needs. Joan and Brandy own Coffey Group Interior Design. Brandy has joined KW Style to Design in order to provide a higher level of service with interior design, staging, and assis�ng her clients in renova�on projects when buying, selling, or staying in their home. Keller Concierge has helped streamline this process. KW Worldwide, KW Luxury, KW Sports + Entertainment, Next Move Military, KW Land, KW Planner, KW New Homes, & KW Commercial have allowed the team and her brokerage to form strategic rela�onships with experienced agents across the globe. These rela�onships have allowed the team and her brokerage to handle all of their client's real estate needs in any loca�on with a concierge approach. Brandy owns Coffey & Company Coaching, a coaching company for business owners and real estate professionals. The purpose of this company is to coach and train companies on how to create the ul�mate client experience, create brand awareness, and to increase their profit. Brandy is dedicated to helping others succeed and is passionate about serving her community. Brandy is the Chair of the Realtor Associa�on of Sarasota & Manatee County Charitable Founda�on, on the Board of Directors for the Realtor Associa�on of Sarasota & Manatee, on the Board of Directors for Florida Associa�on of Realtors, and the Luxury Ambassador for Keller Williams North Florida Region. Brandy was recently appointed to serve on Mote Marine Laboratory President’s Advisory Council. BRANDY LOEBKER | LICENSED BROKER & OPERATING PRINCIPAL
Team Line: (941) 404-4737 OP, Keller Williams Island Life Real Estate and KW Suncoast Licensed Real Estate Broker ABR, CAA, CDPE, CDRE. CIPS, CLHMS GREEN, RSPS, TRC brandyloebker@lucidoglobal.com www.thecoffeygroup.com
SPECIALIZING IN
+ Residential Sales + Seller Representation + Luxury Homes + Senior Services + Downsizing + New Construction + Lots & Land + Career Relocation + Military Housing + Distressed Properties + Commercial Sales + Investment Properties + Property Management + Rentals
MARKETING
NEGOTATIONS
OFFERS + RATIFICATION
INSPECTION
CLOSING + SETTLEMENT
APPRAISAL
DIVISIONS + PROGRAMS
@LUCIDOMARKETING Creative Division HOME ENHANCEMENT LISTING PROGRAM (H.E.L.P)
SILVER GROUP Senior Division
LUCIDO LUXURY COLLECTION Luxury Division BUILDER SALES + MARKETING Luxury Division LUCIDO COMMERCIAL Commercial Division
Update your home to appeal to the modern buyer and defer payment until settlement! LUCIDO LISTING BLITZ TM Our proven approach for listing and selling homes. Designed to strategically create a sense urgency and competition amongst buyers. LUCIDO BUSINESS BROKERS Our custom suite of services offered when buying or selling a business.
HEROES GROUP Military Division
S+E Sports + Entertainment Division
STAGED + STYLED
*CERTAIN DIVISIONS + PROGRAMS ARE CURRENTLY PRESENT IN SPECIFIC LOCATIONS.
Staging + Photography Division
LOCAL EXPERTS FROM COAST TO COAST IN THE NEIGHBORHOOD? SO ARE WE! We have Lucido agents who live and work in markets all over the country and in Canada, and Keller Williams partners in countries all over the world. So we can help you move anywhere you want to be!
Visit LucidoGlobal.com/locations to see all of our Lucido locations. BOB LUCIDO TEAM | LUCIDO GLOBAL | LUCIDO GLOBAL TEAM | LUCIDO GLOBAL CANADA
WHAT OUR CLIENTS ARE SAYING...
Highly likely to recommend |5.0 Bought a Single Family home in 2024 in Pinebrook, Venice, FL.
We purchased a property a�er searching for 6 months and could not have been happier with our Coffey Group experience. Meagan West is a fantas�c agent, friendly and very responsive. As we narrowed our search, she collected relevant property informa�on and put everything on a spreadsheet, including links to HOA documents and local municipal websites, to help us make a final selec�on. She con�nued to make everything easy from the nego�a�on through closing. I highly recommend Meagan and the Coffey Group! - Keith & Stacey Argabright Karrie Beckmann helped us find our dream home in Florida. She is AMAZING!!! She stayed on top of the en�re process, made sure that everything happened when it needed to and kept us well informed every step of the way. My wife and I heard from Karrie almost daily once the purchasing process was under way. We know for sure we could not have done this without her help. She is so professional yet so understanding and helpful. It was a painless process completely due to Karrie's diligence. If you are considering buying a home in the area, please use Coffey Group and consider asking for Karrie Beckmann to help you. - Tom Wolfe Brandy did the WORK it took to sell our specialty property. Found her very prompt and professional in her responses. She has great vision and insight in marke�ng. My �me was not wasted by non qualified buyers. She has integrity! - Brad Grand
• Local knowledge • Process exper�se • Responsiveness • Nego�a�on skills
It was such a pleasure working with Thomas for our move to Venice, Florida. His knowledge of the area and the current market was most impressive and he followed our home needs to a tee. He was always available for ques�ons and ready to assist us when asked. We could not recommend him more, if anyone needs a great real estate agent, call Thomas!!! - johnkbutler13 Thomas Sons provided amazing service! He would research every home before we would even go out to look at them! He is knowledgeable, personable and professional. He actually listened to what we were wan�ng and helped us find the right home! We would absolutely recommend him to everyone! If you want someone that’s willing to bat for you, he’s your realtor! - Chicody & Nina Mays Brandy successfully and professionally sold our home and nego�ated the purchase of our new home, with both closings scheduled for the same day. A procedural issue on our buyer's end delayed closing and caused far more stress than expected but Brandy's experience and unwavering advocacy on our behalf brought it all together at the end. The window in which we had the chance to buy our current home was so incredibly narrow that we're s�ll amazed to be here - without hesita�on, we would recommend Brandy and would definitely ask her to be our agent again. - Mimi Steger We had an excellent experience with Brandy and Meagan when purchasing our home in Sarasota. Since we live out of state,having them represent us was incredibly helpful. Their professionalism, knowledge and exper�se is outstanding. Brandy and Meagan were both always available to answer ques�ons and accompany us to mee�ngs and walkthroughs with the builder. We highly recommend the Coffey Team for any real estate needs and know they will go above and beyond your expecta�ons! - Paul & Karen Hatch
ABSTRACT OF TITLE Report of title search by Abstractor for examination by Title Attorney AGREEMENT OF SALE Contract between buyer and seller for sale of real estate APPRAISAL Determination of value of property by licensed Appraiser CLOSING COSTS Costs of transferring property, legal fees, county/state transfer fees CLOSING DAY OR SETTLEMENT DAY Day of settlement, seller signs deed, buyer pays of property
CLOUD (ON TITLE) Unpaid tax liens, judgment liens
COMMISSION Fee for sale of real property
CONVENTIONAL MORTGAGE Mortgage loans not insured by FHA or guaranteed by Veterans A airs
DEED Title to real property DEED OF TRUST
Security for mortgage loan which is a lien on deed
DEFAULT
Loan: Mortgage that is not paid Contract: When one party fails to adhere to the contract
MORTGAGE COMMITMENT Approval of loan after all information has been verified
DOWN PAYMENT Cash of payment toward purchase
EARNEST MONEY DEPOSIT (EMD) Purchaser’s deposit held in Escrow until settlement ENCUMBRANCE Property interest or lien on property
MORTGAGE NOTE Agreement to repay a mortgage loan
PREMIUM Fee paid by borrower to HUD to pay for cost of FHA mortgage insurance
EQUITY Owner’s interest in property over mortgage value and market value ESCROW Deposit account for earnest money held in trust until settlement
PRINCIPAL Mortgage loan balance owed
PURCHASE (OR SALES) AGREEMENT Contract of sales
QUITCLAIM DEED Deed transferring ownership from one party to another party STATE STAMPS Transfer taxes paid to state or county to transfer property TAX Fee levied by government against property owners TITLE Document of ownership of property TITLE INSURANCE Insurance property owner for claims against the title TITLE SEARCH Search land records for liens or encumbrances against the title
GRANTEE Buyer of property GRANTOR Seller of property
HUD ( Housing & Urban Development) U.S Department that enforces federal housing laws
INTEREST Charge paid by borrower to lender
LIEN Claim filed against deed on property fow money owed
MARKETABLE TITLE Title is free of liens/encumbrances
MORTGAGE Liens against property for which money is borrowed
Our team sells a home every 3 hours, so you can be confident that when we have the knowledge and experience to get the job done. When you buy or sell home with us, you get industry-leading services, strategies, tools, marketing, and technology from one of the top teams with the largest real estate company in the world. You’ll have our team of experts to help navigate the process in the most streamlined and personalized way possible - to achieve your goals and exceed your expectations. For us it’s not just about the transaction - because we strive to deliver the ultimate real estate experience. That’s the Lucido di erence.
Ready to make a move? Contact us today at
LucidoGlobal.com
@LucidoGlobal
LucidoGlobal.com |
BRANDY LOEBKER c: o: f: brandyloebker@lucidoglobal.com www.TheCoffeyGroup.com 941.284.4474 941.404.4737 941.404.4736 OP, Keller Williams Island Life Real Estate and KW Suncoast, Licensed Real Estate Broker ABR, CAA, CIPS, CLHMS, CDPE, CDRE, GREEN, RSPS, TRC
POWERED BY LUCIDO GLOBAL
BRANDY LOEBKER c: o: f: brandyloebker@lucidoglobal.com www.TheCoffeyGroup.com 941.284.4474 941.404.4737 941.404.4736 OP, Keller Williams Island Life Real Estate and KW Suncoast, Licensed Real Estate Broker ABR, CAA, CIPS, CLHMS, CDPE, CDRE, GREEN, RSPS, TRC
POWERED BY LUCIDO GLOBAL
REAL ESTATE ISLAND LIFE
REALTY
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FINANCING GUARANTEES
Low Rate Guarantee.
Don’t pay for a lender’s o ce and overhead. We are direct to wholesale, and we pass the savings on to you. Lock and Shop Guarantee. Lock Your Rate While You Shop for up to 360 Days! Rate Buydown Guarantee. Knock 1% O Your Rate for the First Year with our 1-0 Buydown Product. Rate Protection Guarantee. If You Aren’t Happy with Your Mortgage, We Will Refi It at No Closing Cost to You. Same Day Approval Guarantee. Get Preapproved to Purchase within 24 Hours! 14-Day Clear to Close Guarantee. Close in 14 Days or Less, or We’ll Pay for Your Appraisal!
BUY WITH MOXIE,
OWN WITH CONFIDENCE
LIMITED TIME SPECIAL OFFER Moxie will contribute $1,000 towards your closing costs if you buy a home via VIP Buyer Program.
*
This is not a commitment to lend. All o ers are contingent on using Moxie Mortgage to finance your purchase and on qualification per full underwriting guidelines. O ers may not be redeemed for cash and are non-transferable. Conditions and exclusions apply. You, as the client, are solely responsible for selecting your mortgage provider. These financing guarantees no longer apply should you select a mortgage provider other than Moxie Mortgage. Contact Moxie Mortgage for more information.
MOXIEMORTGAGE.COM NMLS# 1660690
FGS0.0124
MOVING DAY CHEAT SHEET A FEW WEEKS BEFORE 1 YOU MOVE Schedule a mover - the good ones tend to book up fast! If you don’t have one in mind, ask friends for recommendations or search online reviews. 2 Schedule a cleaning service to come after the movers, unless you plan to tidy up the home after the move yourself. 3 Transfer your utilities or schedule the disconnect of utilities and installation of new services. If you’re 4 Start getting rid of what you don’t plan to take with you. Start listing items for sale online or donating items. 5 Acquire packing boxes, packing tape, and some bubble wrap. See if any friends or local stores have boxes you can take o their hands for free. X X X
moving to a di erent city, since some cable companies get booked up weeks in advance. If possible shoot for cable/internet installation the day after the move since you’ll be so busy on moving day and your timing might be unpredictable.
6 Begin packing. Start with items you won’t need for a while, like winter clothes or books, and aim to pack a few boxes week
(or day) so the move doesn’t sneak up on you.
THE DAY BEFORE YOU MOVE
1 If you haven’t already, label to the boxes indicate which room at your new home each box should go into. You could also put stickers or masking ta on furniture to label where it should go.
2 Stock up on some bottled water and snacks like granola bars, to help fuel you and the movers on moving day.
3 If you don’t have any handy, take out some cash so you can easily tip the movers the next day.
5 Put some essentials,
4 If you have a pet, consider dropping
including a change of clothes, medicines, and travel-sized toiletries, in an overnight bag do you’ll have basic necessities on your first night at your new home. You’ll be pretty exhausted and probably won’t want to go digging through boxes for toothpaste or underwear.
them o with a friend or family member the night before the move so they’re not in the way risk of escaping the day of the move.
2 If you have a vehicle, consider putting breakable items and small valuables, like jewelry and important documents, in your car and transferring them yourself.
3 Pack up ot throw
4 Do a final
5 Keep an eye on the
ON THE DAY OF THE MOVE
1 Wake up well before the movers are scheduled to arrive and take a deep breath.
away any last-minute like toiletries or perishable food.
walk-through all cabinets and drawers to make sure you got everything.
movers to ensure your items are handled with care.
6 When you get to the new home, label any rooms that correspond to box labels that may not be obvious to movers (like if a bedroom and study could be mixed up) to ensure items go in the right place.
to guide you through your home buying process. While the process can seem daunting, rest assured, we are here to guide, educate, network, advocate and negotiate on your behalf. FOR THIS OPPORTUNITY Thank you
It’s what we do and we do it well!
BRANDY LOEBKER c:
POWERED BY LUCIDO GLOBAL
REAL ESTATE ISLAND LIFE
REALTY
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