Note the items Highlighted may be clicked on to obtain more information on that subject.
FREE Buyer Representation!
This means I represent YOUR interests 100%! And my services are FREE to buyers! I'm holding your hand and helping you through every step of the real estate process.
A word about the information here: it may seem like a lot of information, but the more you know, the better you are able to make wise educated decisions and the more protected your interests are. So, read everything and feel free to call me any time or as often as you wish to ask questions. There are NO dumb questions when it comes to real estate! Call me at 813-884-2023 any time. I'm available 7 days a week! Really!
LATEST BUYING NEWS!
April 2011: WOW! The market has really picked up. We just had the largest month of sales in 5 years! If you are thinking about buying, you need to stop Thinking about it and Do something about it before you miss the lowest prices and lowest interest rates. Inventory is going. Call me now at 813-884-2023 to get started.
Dec. 15, 2009: Credit scores more important than ever
It's important to understand how agents work with you. ALL agents with ALL companies in the state of Florida must work under the same guidelines of "Agency", which means what capacity the agent is working with you or representing your interests (or, with some agents, Not representing you at all).
As your Buyer Agent I will provide the following:
Show you all homes listed with ALL companies.
Show you RESALE homes and am paid by the seller's listing company of the home you buy ~ as the Buyer, there is no charge to you ~ the best deal in town! Also, I do NOT charge you any junk fees (often called Transaction Fee, Processing Fee, Regulatory Fees, etc.) as is the trend with many real estate licencees.
The Herlocker's purchased their new home through Joan.
Show you NEW BUILDER HOMES and am paid by the builder. Remember, the salesperson at the model homes works for the builders! You need someone to represent your interests and help you through the entire process. When you use a Realtor as your Buyer Agent to purchase a new home, you don't pay a penney more for the home. The builder pays agents out of their annual advertising budget which is already allocated for and they will not reduce the price of the house if you do not use an agent. Remember, I represent YOU in this home buying transaction!!! On "For Sale By Owner" homes you express interest in, I will contact the homeowner to discuss if they will work with a real estate agent bringing in a buyer. Most "FSBO's" are happy to have an agent bring a buyer, write the contract and handle the transaction for them. I work the entire Tampa Bay area including Hillsborough County (Tampa, Brandon, Lutz, New Tampa, Riverview, Valrico, Plant City), Pinellas County (St. Pete., Clearwater, Palm Harbor, Dunedin, Tarpon Springs, Pinellas Park, Oldsmar), and Pasco County (Land O'Lakes, North Odessa, Wesley Chapel, New Port Richey, Holiday) CLICK HERE for 5 Costly Buyer Mistakes! Our area recently expanded for the Multiple Listing Service which presents homes for sale in our computer database to all of Central Florida, including Orlando, Lakeland and all surrounding areas and we can also access Sarasota, Ft. Myers and surrounding areas. If you are new to the area and are searching for a home outside the Greater Tampa Bay area, I can still accommodate your needs. I am a life-long resident of Tampa and a top producer of real estate for over 17 years. Read "About Joan" for more info. 
The Ruszczyk's found their 'resale' home with Joan.
I go the extra mile with the best service around...
You get a full-page color-photo MLS print out of each home visited, spiral bound with other information important in buying a home. This report will give you all the details about each property we visit and you can make notes on each home.
A Comparable Market Analysis ON EACH home you visit so you know
how it stands in price compared to the neighborhood ~ you get this
before you make a decision on the house, not after, as most agents do.
After all, you want to know you are not overpaying for a home just
because you are emotionally attached to it. This is, after all, your
largest investment and the day will come when you will want to sell it
yourself.
Local school information - if the school districts are of importance,
I have links on this web site which give the boundary maps, state
school score ratings and the individual school web sites for all
schools.
Flood area information - I will research the FEMA (federal gov't.) maps
and provide you with a color copy of the map for your chosen home.
Utility and moving information - Utility information for your future home
will be provided for your convenience when ordering service. I will also
actually order these utility services for you if you wish.
NO "Processing Fees", "Transaction Fees" or "Governmental
Regulatory Fees" - They sound important and some sound absolutely
mandatory - but guess what - they aren't! These are fees charged by
many real estate companies and/or their agents and are simply extra
fees that you need not pay. To me, they are "Junk Fees" and I don't
charge them. This can save you hundreds of dollars at closing!
"ONE-STOP SHOPPING"
Re: Referrals to reputable mortgage lenders, home inspectors, etc.
Note: I do NOT refer you to any of the above so I can get a referral fee
from them. Many companies refer buyers to their affiliated companies
and the agents earn a fee or a dividend check from those companies.
Using an affiliated company does not mean you would get the best
competitive price or the best service. You can rest assured that I only
refer companies who I respect due to their honesty and ethics, and who
I have had positive experiences with. I absolutely do not refer anyone to
any title, mortgage or other vendor who is affiliated with my company.
I want only the best for my clients. Extra money in my pocket is not a
factor - I sell homes, nothing else!
YOUR OWN PASSWORD-PROTECTED PAGE
When you go under contract for a house, you will be set up with your own page you can access under the "Client Update" button on my website at your convenience 24/7. You will see photos of your chosen home, the deadline dates you need to meet, all the details of the transaction, a copy of the contract, copy of your escrow check, copy of your home inspection and all other pertinent documents. Also included is advice and suggestions about utilities and homewowner's insurance and contact phone numbers, plus all contacts such as mortgage lender and title company. All deadlines are also posted and you will receive an e-mail the day prior to an important appointment or deadline. It is constantly updated with the latest information on your transaction so you always know what is going on. I do not know of any other real estate agent offering this free upgrade service.
Will work by-your-side through the entire process, through the closing
and after.
FREE Relocation Package to incoming buyers.
Special Relocation Services include: meeting at airport, assisting in
booking good hotels, tour of Tampa area and more. My Toll Free direct
phone number gives you free phone access to me. To see all my
Relocation Services, click on "Relocation" button at left.
Even if you are assigned to a relocation department of your employer,
you can request me as your agent as I have already been approved and
worked with most relocation companies.
Attending all closings
I attend your closing with you and review your final Closing Statement
figures ahead of time. We do a Walk-Through Inspection prior to the
closing to make sure the seller has completed all required repairs and
the property is in good order.
I am just a quick call or e-mail away and am available to answer all your
real estate questions!
FIRST-TIME BUYERS - Buying your first home can be scary! I help you through everything - including choosing the right neighborhood, buying a home to suit your lifestyle, making sure the home is in good repair, advising on the home inspection, working with your mortgage company, the title company and your attorney, if you use one. No question is stupid! And you can call me as often as you wish 7 days a week. I'll explain the entire home-buying process to you and will always be available to you. You'll be in your new home before you know it! For more info on buying your first home CLICK HERE.
FREE "House Hunter" organizer book to Joan's clients (while supplies
last)
MY SERVICES ARE "FREE" TO BUYERS!
Call me at 813-884-2023!
Ok, if you have read all of the above information and got to this point, you are interested in doing it right and want to be educated about the home-buying process. Congratulations! You will be successful in purchasing a great home!
Now, there is just one more step you can take to see where you "score" as a home buyer so you can get the Best Home at the Best Price! Just click on the BestBUYERNation button below to get your score and know where you stand! (Note: if you clicked on this on the Home Page and got your score, do not repeat it here) And, don't forget to call me ASAP!
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