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Q&A: Buying a Home in the Greater Daytona Beach Area - Real Estate Corner


“Greater Daytona Beach Area” Real Estate Corner

Q & A, Answers by Brenda Benz


-         I am not familiar with the Daytona Beach and Volusia County area.  How can I find the right neighborhood for my family?

Your Lifestyle and Family Needs will set the path toward your new home - Specific Areas and Neighborhoods may suit your needs perfectly.  Research school zones if needed and that will help your Realtor know the best neighborhoods within your school zone of choice | Once you decide on the Mainland or on the Beachside, your Realtor can select properties that suit your Florida lifestyle and your family’s needs | Price Ranges and your Desire or Willingness to live in a Homeowners Association Community will guide your Realtor toward available choices | Work with a Realtor who offers AREA KNOWLEDGE AND EXPERTISE, to guide you every step of the way in finding the “Right” Florida home for you.


-         Are there any Lender Bond programs for First Time Homebuyers? 

Yes, there is a Bond Program currently available to Buyers who qualify, offering $7,500 toward down payment or closing cost assistance.  Call or email Brenda today for details on this program.


-         Are there any special Heroes discounts or programs available for those in the Military, Teachers, Firefighters, Medical Workers and Safety Patrol Officers?

There are a number of programs offering discounts. However, locally in the Volusia County area, Brenda Benz offers a Heroes Program, giving 25% of her sales commission to Buyers who qualify.  This to be applied toward Buyers Closing Costs and pre paids.  For Sellers, a discounted commission will apply.  Contact Brenda Benz today! (No other discounts are applicable)


-         Is there any time of the year that is better to buy a home? 

No....Your right time is according to your own timeline based on YOUR financial and personal needs.


-         What are Home BUYER costs/expenses?  

Lender Costs (Your Loan officer can give you a breakdown of your costs/expenses with a Good Faith Estimate) | Escrow Deposit – Amount to be collected and within the timelines shown on your contract, normally within 3 days and will be placed into an escrow account | Home Inspections can be paid prior to, or at the time of service  | Appraisal – A lender cost normally paid directly to the lender | Survey – If the Seller does not have a current survey on file, a survey will be ordered; payable prior to survey being performed or shown as an expense to you on the HUD at closing | Wind Mitigation Inspection can be performed prior to closing to help you in reducing your insurance premium.  It can save you hundreds of dollars yearly. 


-         What are Home SELLER costs/expenses? 

Real Estate Commission as shown on your Listing Agreement | Prorated Taxes for the days/months you have lived in the house for the current year | Mortgage Pay-off, if applicable  | Title Insurance  | Documentary Stamps  | Title Company Fees | Recording Fees  | Outstanding Liens/Judgments/Utility Bills, etc.  if applicable.  I will personally create a Seller’s Net Sheet which

Will show you an approximate $$ that you will net.  |


-         If I am getting financing, should I talk to a lender before I start to look for my Florida home? 

YES! Getting preapproved is very important for the following reasons:  A Pre-approval letter shows that you can buy a house and gives you peace of mind in doing so | A Pre-approval letter helps define your search on the price range you should look within | You’ll have more leverage in negotiations, as Sellers are more likely to negotiate with a Pre-approved buyer than one that is not.  It will also help you in a multiple offer situation | A Pre-approval letter is better than getting prequalified.   Please contact me for preferred lenders of choice.


-         Who pays the Realtor fees when buying a home? 

The Seller pays the Real Estate commission.  Therefore, it costs you NOTHING to work with a licensed Realtor.


-         What is a Short Sale?

A short sale occurs when a property is sold at a price lower than the amount that the homeowner owes on their mortgage, and the homeowner's mortgage lender(s) agrees to the "short" payoff.  A short sale contract is contingent upon 3rd party/Lender approval.


-         How can I find out what area schools have the best school rating and how can I search for a home in our school zone of choice?

Click HERE to view the 2014 Volusia County School Ratings.  Click HERE to Search a specific address for the assigned school zones.  Select the City and then type in the address. 

I welcome your emails with additional questions to be sent to: or please don’t hesitate to communicate with me 7 days a week.  Tell Me:  Volusia County Moms sent you!

Need a short term loan? To get more information about short term loans, click here.



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