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	2408328	2/2	Zephyrhills	1548	Fully furnished Lake Bernadette Villa on the golf course. Includes appliances, cookware and other household items. Has 1 year home warranty. Community offers many amenities. OFF MARKET  Others available	$145,000	CALL Raygan
	2399474	4/3.5	Wesley Chapel	3080	Lovely home in a gated community w/heated pool & spa. Located on 1/4 acre cul-de-sac lot in a golf community. Many amenities, 42" cabs in kitchen, breakfast nook and butler pantry, patio, fenced yard	$325,000	CALL Norm
NEW	2428504	4/2	Wesley Chapel	1956	Beautiful community with many amenities;  pool, fitness, clubhouse, tennis, etc. Living, dining, family rooms and 10x14 sun porch. kitchen opens to family room. Large master bedroom.	$175,999	CALL Karen
	2406213	2/1	Land O Lakes	1032	LAKE THOMAS HOME AND BOATHOUSE. Pristine lake home w/so much potential. Extra parcel of land goes with sale. Boathouse has restroom, screened deck and rec room. Home has 2 bedrooms and 1 bath, large dining room, living room and kitchen.   Lake   Show	$279,900	CALL Lou
	2398510	3/2.5	Wesley Chapel	1620	Beautiful 2 story home on 1.3 acre corner lot. Living, dining, family rooms.  Pergo floors and crown molding. Detached 2 car garage	$189,999	CALL Raygan
NEW	2417462	5/3	Land O Lakes	2646	Fabulous 2 story pool/spa home on the 7th green in Plantation Palms. Formal living/Dining rm, open kitchen & family rm, mahogany wood floors downstairs & carpet upstairs. Pool and spa are heated, outstanding landscaping. NOT A SHORT SALE	$298,700	CALL Karen
	2335116 TOUR	3/2	Land O Lakes	1580	Nice home on corner lot, vaulted ceilings, arches + plant shelves, kitchen island/brk. bar, corian counters, maple cabinets, stainless steep appliances, walk-in pantry, ceramic tile, wood floors and carpet. OFF MARKET Others available	$139,900 REDUCED	CALL Karen
NEW	2417868	3/2	Lakeland		Living room w/cath.  ceilings, dining rm kitchen, Florida rm. Split bedrooms, master has walkin closet & separate shower. Has large yard and is on cul-de-sac. NOT A SHORT SALE	$119,685	CALL Karen
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	2405819	6/3	Land O Lakes	3369	Nice 2 story home, wood floors in liv./din. rooms. Roomy kitchen and all appliances stay42" wood cabinets, granite counter tops, walkin pantry. Living space is downstairs + 1 bedroom and full bath. % bedrooms and game room upstairs.	$259,000	CALL Karen
	2351142	4/3	Land O Lakes	2556	Gorgeous pool home w/many upgrades. Formal living and dining rooms. Kitchen has maple cabs and granite counter tops. Screen room pool overlooking beautiful backyard and conservation area. Subject to 3rd party approvals for short sale.	$199,000 REDUCED	CALL Norm
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	2368050 OFF MARKET	2/2.5	Wesley Chapel	1276	New town home community. Bright and open floor plan. Close to new mall and interstate. Subject to 3rd party approvals for short sale.	$88,000	CALL Karen
	2410489	3/2	Land O Lakes	1769	Maint. free villa in gated community. Many upgrades. Tile in common areas & carpet in bedrooms. Gourmet kitchen, granite counter tops, SS appliances, cherry wood cabinets. Fenced back yard. Community pool.	$235,000	CALL Norm
	2416505	1/2	Land O Lakes	1848	Beautiful one acre treed property w/quaint 1945 home. Partial renovation. Double door entry, wrap around porch. Formal LR & DR. Family Rm. Sold "AS IS"	$129,900	CALL Karen or Yolie
NEW	2426464	Resid. Lot	Wesley Chapel	1.79 acres	SHORT SALE.  Nice lot located in gated equestrian community of Westwood Estates in the heart of Wesley Chapel.	$69,900	CALL Raygan
	2323397	Resid. Lot	Wesley Chapel	1.32 acres	Beautiful lot in Westwood Estates-a gated community. Just minutes from I-75 &. shopping.	$85,900 REDUCED PRICE	CALL Raygan
Commercial	2360379 RENTED	Com'l Property	Tampa	1 acre	COMMERCIAL; Property available for purchase or lease. Zoned C1. Has an office mobile trailer w/3 rooms and a bathroom. Located in N. Tampa and close to bus and interstate.  Pic2   Pic3   Pic4	$400,000	CALL Norm
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WHY USE A FLORIDA REALTOR

Can a real estate agent really help me in buying and selling property? The answer is YES!

When you're ready to think about buying or selling your property, you need to ask yourself the following questions: Do you have the time, energy, sources of information, and contacts to do the job yourself? If you were one of the 'do-it-yourself' people, would the results be as good or better than they would be if you had professional assistance? Would it have gone smoother? Would it have given you more personal time? Would you have purchased for less, or sold for more, if a real estate agent was involved? Read the following information and learn how a real estate agent can help you understand everything you need to know about a real estate transaction.

The Buying Process
The process of buying a home or investment generally starts with determining your buying power; that is, your financial reserves plus your borrowing capacity. If you give a real estate agent some basic information about your available savings, income and current debt, they can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices.

Finding
Once you know how much you can and want to invest, the next step is to find the properties that most nearly fit your needs. This is the time to choose a real estate licensee. When picking a real estate agent look for one who is also a REALTOR®. A REALTOR® is a member of the NATIONAL ASSOCIATION OF REALTORS®, a real estate trade association, and all members agree to abide by a 17 article Code of Ethics. A REALTOR® has many resources to assist you in that search. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties.

Selecting
Your job is to make the final selection of the right property for you. This is when excitement and emotion run high. Your real estate agent can assist you in the selection process by providing objective information about each property. Agents who are REALTORS® have access to a variety of informational resources. REALTORS® can provide local community information on utilities, zoning. schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?

Negotiating
There are a myriad of negotiating factors, including, but not limited to price, financing, terms, date of possession, and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should also provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.

Due Diligence
With a negotiated agreement in hand, it is time to complete the evaluation of the property. Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Your agent can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Your agent, title company or attorney can help you resolve issues that might cause problems at a later date.

Financing
As soon as you are reasonably sure the property is right for you, the process of obtaining financing begins. Your agent can help you in understanding different financing options and in identifying qualified lenders.

Closing or Settlement
Finally, there is the closing, or settlement, as it is known in different parts of the country. Every area has its own unique customs. In some areas, the title or escrow company will handle this process. In other parts of the country, an attorney does it all. Again, your real estate agent can guide you through this process and make sure everything flows together smoothly.

Selling Florida Real Estate

Pricing
This process generally begins with a determination of a reasonable asking price. Your real estate agent can give you up-to-date information on what is happening in the marketplace and the price, financing, terms, and condition of competing properties. These are key factors in getting your property sold at the best price, quickly and with minimum hassle.

Marketing
The next step is a marketing plan. Often, your agent can recommend repairs or cosmetic work that will significantly enhance the salability of the property. Marketing includes the exposure of your property to other real estate agents and the public. In many markets across the country, over 50% of real estate sales are cooperative sales; that is, a real estate agent other than yours brings in the buyer. Your agent acts as the marketing coordinator, disbursing information about your property to other real estate agents through a Multiple Listing Service or other cooperative marketing networks, open houses for agents, etc. The REALTOR® Code of Ethics requires REALTORS® to utilize these cooperative relationships when they benefit their clients.

Advertising is part of marketing. The choice of media and frequency of advertising depends a lot on the property and specific market. For example, in some areas, newspaper advertising generates phone calls to the real estate office but statistically has minimum effectiveness in selling a specific property. Overexposure of a property in any media may give a buyer the impression the property is distressed or the seller is desperate. Your real estate agent will know when, where and how to advertise your property.

There is a misconception that advertising sells real estate. The National Association of REALTORS® studies show that 82% of real estate sales are the result of agent contacts through previous clients, referrals, friends and family, and personal contacts.

Security
When the property is marketed with the agent help, you do not have to allow strangers into your home. Agents will generally pre-screen and accompany qualified prospects through your property.

Negotiating
The negotiation process deals with much the same issues for both buyers and sellers, as noted above under the buying process. Your agent can help you objectively evaluate every buyer's proposal without compromising your marketing position. This initial agreement is only the beginning of a process of appraisals, inspections, and financing -- a lot of possible pitfalls. Your agent can help you write a legally binding, win-win agreement that will be more likely to make it through the process.

Monitoring, Renegotiating and Closing
Between the initial sales agreement and closing (or settlement), questions may arise. For example, unexpected repairs are required to obtain financing or a cloud in the title is discovered. The required paperwork alone is overwhelming for most sellers. Your agent is the best person to objectively help you resolve these issues and move the transaction to closing (or settlement).

How Do Real Estate Agents Get Paid?
Real estate agents or brokers are generally paid through the sales commission paid by the seller when a transaction closes. Agents have expenses and financial obligations just like you, so it will be to your mutual benefit if you choose a real estate agent and stick with that person. The agent will respect your loyalty and respond with a sincere commitment to you.

Why A Florida REALTOR^®?
All real estate licensees are not the same. Only real estate licensees who are members of the National Association of REALTORS® are properly called REALTORS®. They proudly display the "REALTOR®" logo on the business card or other marketing and sales literature. REALTORS® are committed to treat all parties to a transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR® again.

Using a Florida REALTOR^®

You Be the Judge!
Real Estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR®!

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© 2003 Coldwell Banker Real Estate Corporation. Coldwell Banker® is a licensed trademark of Coldwell Banker Real Estate Corporation. An Equal Opportunity Company. Equal Housing Opportunity. Each Office Is Independently Owned and Operated except Offices Owned and Operated By NRT Incorporated.