Matthew Anderson Properties Buyer Guide

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Guide

BUYER

Home

Let's Put Y U on the MAP

689-407-8281

MATT@PROPERTIESMA.COM

MATTHEWANDERSONPROPERTIES.COM

MATT ANDERSON - REALTOR

MATTHEW_ANDERSON03

@MATTHEWANDERSONPROPERTIES

M a t t h e w A n d e r s o n

As a seasoned real estate professional, I specialize in

assisting buyers, sellers, investors, and relocators in

Central Florida. With a wealth of local knowledge

and market expertise, I am dedicated to guiding my

clients through their real estate journey with ease

and ensuring a smooth, stress-free experience.

Whether you're buying your dream home or selling

your property, I'm here to be your trusted expert,

helping you make informed decisions every step of

the way.

RECOGNIZED IN THE TOP 10% OF FLORIDA AGENTS

ACHIEVED TOP 5% STATUS AMONG ALL ORLANDO AGENTS

AWARDED TOP 20 PRODUCING AGENT UNDER 40 YEARS OLD IN

ORLANDO, FLORIDA.

GENERATED OVER $10 MILLION IN PRODUCTION IN 2023 & 2024

CERTIFIED MENTOR

MEMBER OF ORRA MILLION DOLLAR CLUB

R e a l E s t a t e R e a l C o n n e c t i o n s B u i l d i n g R e l a t i o n s h i p s

O n e H o m e A t A T i m e

THE TEAM

Meet

REALTOR®

As a seasoned real estate professional in Central Florida, I assist buyers, sellers,

investors, and relocators. With local knowledge and market expertise, I ensure

a smooth, stress-free experience, guiding you through every step of your real

estate journey.

Matthew Anderson

FINANCING

Ivan Grondona

TRANSACTION COORDINATOR

Began her real estate journey in 2018 as a buyer's agent in Texas, becoming a

top producer, then moved to Florida to work as an investor specialist at

Robert Slack and then head Transaction Coordinator at Mark Spain before

launching her own business.

Ashley Bock

INSURANCE

Linda Arroyo

Puerto Rican heritage blends with work in Miami for 15 years,

appreciating the city's vibrant culture. Interactions with diverse people

enrich perspectives. Outside work, enjoys Miami's art, cuisine, and family

time. Miami represents a mix of old and new, familiar and surprising,

creating a fulfilling life.

Ivan has a background in business administration and strategic marketing.

He is experienced in the competitive Florida market, offering various loan

products including Conventional, FHA, VA, USDA, and commercial loans. Ivan

can find the best loan conditions and terms for clients as a direct lender or

broker.

Keith Jones

INSPECTOR

Keith Jones, a Florida resident, is known for his home expertise and

remodeling skills. He enjoys building model airplanes, flying drones,

golfing, camping, and boating. As the owner of Superior Property

Inspections, he is a certified professional home inspector with a focus on

honesty and integrity.

SO YOU ARE THINKING ABOUT BUYING A

HOME?

FIND THE RIGHT

AGENT (ME)

GET PRE-APPROVED

START HOME SHOPPING

MAKE AN OFFER

ORDER AN INSPECTION

NEGOTIATIONS

APPRAISAL ORDERED

FINAL WALK & MOVING

SCHEDULE

CLOSING DAY

agent

FINDING THE RIGHT

Purchasing a home is a major lifetime

investment. Having a seasoned agent by your

side, dedicated to safeguarding your interests,

is crucial. The buyer agent's primary duty is to

advocate for the buyer and guarantee their

protection.

On the other hand, sellers have their own

advocate. A listing agent is loyal to the seller,

aiming to secure the highest possible price for

their property. Having someone who

prioritizes YOUR needs while purchasing a

home holds immense importance.

We will narrow down the homes that fit your unique wants and needs and get you in the door! I look at

dozens of homes every week, and I can help you identify potential problems within a home.

GETTING YOU IN THE DOOR

When repairs or changes in price need to be made, I will be your guide and handle requesting any

repairs or changes in price to the sellers.

Buying a home involves many types of documentation. I have the experience and knowledge to

navigate real estate contracts. Ensuring that nothing is overlooked, and that you truly understand what

a paper means before ever signing on the dotted line.

STAYING ON TOP OF THE PAPERWORK

A buyer’s agent will represent your best interests. With a pulse on the local market and a sound

understanding of how various amenities effect the value of a home, we will make sure we submit a

competitive offer on the right house for you.

ON YOUR SIDE

I work daily in neighborhoods with inspectors, contractors, and negotiating with sellers. I have the

market knowledge you need to get you the home of your dreams at the best price! Understanding the

local real estate market is essential when it comes time to make an offer on a house.

NEIGHBORHOOD EXPERT

I will work hard to protect all of your interests and take on any issues that may arise throughout the

entire process. I work tirelessly to make sure buying a home is a fun and stress-free process.

PROBLEM SOLVER

The seller typically pays the commission for both the seller’s agent and the buyer’s agent.

AFFORDABILITY

Credit improvement

Decrease credit card balances

Make payments on time

Avoid applying for new credit or

loans

Postpone major purchases

PRE-APPROVED

Get

We have Options!

Down Payment Assistance

100% Financing

Investment Loans

Bank Statement Loans

Foreign National Products

Credit Repair (that actually works)

QuickTIPS

Costs in addition to your down

payment

Appraisal

Inspection

Survey

Closing Costs

INCOME QUALIFICATIONS

W-2 Income/Salary

Income from part-time jobs

Income from a second Job

Overtime & Bonuses

Seasonal jobs

Self-employed Income

Alimony & child support (Documentation required)

Income from the lottery

Gambling

Unemployment pay

Single bonuses

Non-occupying co-signer income

Unverifiable income

Income from rental properties

NON-QUALIFYING INCOME

QUALIFYING INCOME

W2’S FROM THE PAST 2 YEARS

3 MONTHS WORTH OF PAY-STUBS

BANK STATEMENTS (PAST 3 MONTHS)

PREVIOUS 2 YEARS OF TAX RETURNS

LIST OF YOUR DEBTS & ASSETS

DIVORCE DECREE

ADDITIONAL INCOME DOCUMENTS

NEEDED documents

Veterans

Personnel with

honorable

discharge

Reservists &

National Guard

Surviving Spouses

NONE

580

Someone who is

buying a home in a

USDA -designated

rural area.

NONE

2% of the loan

amount. Can be

rolled into loan

amount.

REQUIRED

640

Anyone who

meets the minimum

credit and income

levels.

At least 3.5%

of purchase price

1.75% of loan

amount

REQUIRED

580-640

REQUIRED

620

1.75% of loan

amount

NONE

At least 3.5%

of purchase price

Varies from

3%-20% of

purchase price

Anyone who

plans to purchase

a fixer-upper or

needs to renovate

their home and

meets credit &

income

requirements

Depending on the

program, available

first time home

buyers (a buyer

who hasn't owned

in the last three

years) can put 3%

down with a

Conventional 97

program.

Department of

Veteran Affairs

USDA

Department of

Agriculture

FHA

Federal Housing

Administration

203K

Federal Housing

Administration

CONVENTIONAL

WHO

QUALIFIES

DOWN

PAYMENT

UPFRONT

MORTGAGE

INSURANCE

MONTHLY

MORTGAGE

INSURANCE

MINIMUM

CREDIT SCORE

TYPES OF LOANS

TYPES OF

mortgage loans

Time to start shopping! We will take notes on all

the homes we visit. It can be hard to remember all

the details of each home, so take pictures or

videos to help you remember each home, and

review the notes you have written. Once we have

found THE house for you, we will present an

appropriate offer based on recent sales and

current buyer activity in the area, as well as the

value of the property in its current condition.

Negotiations may take place after the offer is

presented.

HOME SHOPPING

We will make sure to check the details of the house

Plumbing

Electrical

Roof

HVAC and Water Heater

Evaluate the neighborhood and surrounding areas

Are the surrounding homes well maintained?

How much traffic is on the street?

Is it conveniently located to schools, shopping, restaurants, & parks

start

Quick tips

What happens next!

We are ready to submit an offer!

So we have found THE HOUSE! Now it’s time to

strategize how we will get our offer

ACCEPTED.

Shorter inspection periods

Large down payment

No contingencies

Shorter financing period

Quick closing

AN OFFER

Make

How to make your offer more

competitive:

Determine offer price

Escrow deposit

Down payment

Inspection period

Closing date

Contingencies (if applicable)

Information needed:

Accepted offer

Countered offer

Declined offer

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