Buyers Package • Lauren Endsley

Lauren Endsley is a Broker Associate with Stockworth Realty Group and offers concierge real estate services to clients in Orlando, Florida. Lauren comes to real estate with over 20 years of business and marketing experience, using her knowledge, experience and creativity on behalf of her clients. She is also backed by a full team of marketing and real estate professionals.

A skilled communicator and negotiator who pays attention to the smallest of details, Lauren is dedicated to helping her clients make their best decisions when it comes to their real estate needs. Her indepth market knowledge combined with her focus on communication and responsiveness, she serves as an invaluable guide to a diverse set of buyers and sellers.

Lauren holds a Bachelor’s Degree in International Business from Rollins College and is a member of the National Association of Realtors (NAR), Florida Realtors and the Orlando Regional Realtor Association (ORRA). She also serves on the board of the Adult Literacy League.

A longtime Orlando resident, when Lauren is not spending time with her children, she enjoys running, visiting the beach and discovering hidden gems in her adopted hometown.

Lauren Endsley Broker Associate

321.279.1901

Lauren@stockworth.com

Leadership & Creative Team

EXPERIENCE THE DIFFERENCE

Stockworth advocates for our clients, guiding them through the real estate transaction with extraordinary service, uncompromising ethics, and exceptional knowledge. Our group of outstanding practitioners and their support team have a strong commitment to service, integrity, and professionalism. We build lifelong relationships by providing unparalleled experiences for our clients.

Jared Eslick Creative Director

Melissa Koepplinger Director of Relocation

Jason Schmidt, CCIM President, Broker

Mark Hayes, CCIM Owner

Jodi Hayes COO

Sara Presser Social Media Manager

Ryan Ashworth Video Producer & Editor

Josue Quiceno Video Editor & Colorist

Meghan Garcia Video Editor & Colorist

Evan Caulfield Property Management

Fransheska Nunez Web Developer

Will Rizzo Real Estate Photographer

Let’s Find Your Dream Home

What we will do to help you through the home buying process...

• We will work with you through the mortgage pre-approved process.

• Provide immediate access to any new listing that meets your search

criteria.

• Provide a comprehensive market valuation of all properties you

• Offer step by step communication of all processes leading to the

• Provide consultation and recommendations of the written offer to

Sellers and their agents know that a pre-approved buyer is serious and prepared to close. choose to make an offer on. transaction closing. purchase, with terms approved by you.

• Negotiate the right deal for you.

No matter where you find homes that attract your attention...

• In a local real estate magazine

• Via the Internet (Zillow, Realtor.com, etc.)

• Other agents “FOR SALE” sign

• Other agents “OPEN HOUSE”

• From a friend

• A “For Sale by Owner” sign

• Other agents exclusive listing

I can sell any of them to you!

Most importantly, I can negotiate any offer for you. If you see a sign, an open house, or even hear about a property, call me first and I will provide you with all of the necessary property information and make all the arrangements for viewing.

Shopping for a Lender

A very important part of purchasing a home is finding the right lender. Below are some characteristics you should look for when choosing one.

Questions to ask while shopping for your lender

• What is his/her reputation within the community?

• How many loans do they close each year?

• Is the company well known in the area?

• How long has the company been in business?

• Does the lender have access to a wide variety of loan packages?

• Can the interest rates be locked in and for how long?

• Does the lender offer your loan product (FHA, VA, Specialty, etc.)

Things to be aware of when shopping for a lender…

Quoted rates over the phone are rarely locked prices. Rates can be subjected to change unless they are predetermined for a specific period of time.

Interest rates can change daily. A quote you receive today may not be the quote you receive tomorrow.

The interest rate you are quoted over the phone may not be a program that will fit your needs or situation.

Many lenders will discount their posted rates for well qualified customers.

Getting Pre-Qualified

It is recommend that home buyers are pre-qualified with a lender before selecting a home to purchase. This way you will be ready, willing and able to make an offer on your desired home.

Reasons to get pre-qualified…

With pre-qualification, you can determine which loan program best fits your need and which programs you qualify for.

You will know exactly how much you are qualified for. It’s no fun to find your ideal home and then realize that you can’t afford it.

Your monthly payment will be estimated. This will allow you to begin outlining your budget.

It estimates what your down payment and closing costs will be.

If you are a first-time buyer, you may be able to qualify for a special first-time buyer program.

Required Loan Documentation

• Photo ID

• Social Security Number

• Date of Birth

• Home addresses lived at as a primary residence for the past two years

• Addresses for any rental properties including mortgage statements and

• Work address, phone numbers and employment position for the past two years

• Checking and savings account statements for the past two months (6

• 401K/IRA statement last quarter

• Four most recent pay stubs. If you have received a recent raise please let

• Federal income tax returns for the past two years for both personal and

• Divorce settlement papers if receiving child support, alimony, or if

• Gift letters if you are using gifts from parents, relatives or organizations to

home owners association bill months for child support/alimony) the lender know business (if applicable) ex-spouse pays a debt help cover the purchase costs

• Social Security/Disability Award Letter

• Pension Letter from Employer

• Home Owners Insurance binder when a contract for purchase is fully executed

Stepping Through the Loan Process

Pre-qualification / Interview

Application interview

Lender obtains all pertinent documentation

Order Documents

Credit report, appraisal on property, verification of employment

Loan Submission

The loan package is assembled and submitted to the underwriter for approval

Documentation

Supporting documents arrive

Lender verifies all information is correct

Request for any additional items are made

Loan Approval

Parties are notified of approval

Documents Are Drawn

Loan documents are completed & sent to the closing agent

Borrowers are prepared for final signatures

Funding

Lender reviews the loan package

Funds are transferred by wire

Contract to Close Checklist

No two home purchases are ever the same so think of this checklist as a broad overview of the closing process. Don’t worry or feel overwhelmed I’m here to help you every step of the way.

Day 1 Day 3

Starts the day after an executed contract is delivered

Deposit due

Inspection

Inspection period _____ days

Schedule Inspection

Appraisal

Your lender will order appraisal

Homeowners Insurance

Shop for your coverage

Homeowners Insurance

Go over closing statement and wire funds

Schedule closing time/place

Schedule final walk through Move in to your new home!!

Moving Checklist

Send Change of Address Cards to

Post Office

Charge Accounts

Subscriptions

Friends / Relatives

Bank

Other loan holders

Disconnect/Reconnect Utilities

Water

Electric

Gas

Telephone

Cable Television

Notify Insurance Companies

Health Life Auto

Homeowners (if applicable)

Obtain Medical Records

General Practitioner

Dentist

Optometrist

Other doctors

Cancel Deliveries

Other Amazon

Subscriptions/Subscription Boxes

Miscellaneous

Arrangements with moving company

Obtain school records for children

Have drug prescriptions refilled

The Cities of Central Florida

Map of Central Florida

Neighborhoods in Brief

Central Florida communities

Baldwin Park

As the only planned community in between two already established areas, Winter Park and Orlando respectively, Baldwin Park is truly one of a kind not only in Orlando, but in the entire country. Being next door to two of Orlando’s most exciting locales provides for a living experience that has long made Baldwin Park among Orlando’s most prominent communities for those looking to relocate to the Orlando area. In Baldwin Park you will find single family homes with small yards, townhomes, and condos with numerous parks and walking trails.

College Park

Located just outside of Downtown Orlando, College Park is one of the city’s oldest communities. With tree-lined, brickpaved streets, 20th-century cottages, abundant green spaces, lakes, and a lively mainstreet, College Park provides its residents with a small-town atmosphere while still being able to enjoy the convenience of the city.

Downtown Orlando

Orlando is one of the nation’s fastest growing cities. The once-sleepy downtown is now a mecca for dining and entertainment. From apartments and condos in the heart of the city, to the surrounding historic neighborhoods with brickpaved streets such as Thorton Park and Lake Eola Heights, Downtown Orlando offers a wide range of housing options for those who wish to live close to the hustle and bustle of city life.

Dr. Phillips

Noted for its fine dining along with its proximity to all Orlando’s most exciting attractions, Dr. Phillips is one of Central Florida’s premier communities to live in. It is strategically located just outside of International Drive, also making it a fantastic place for those who live in Florida on a seasonal basis.

Lake Nona

Lake Nona is among the top-10 best-selling, master planned communities in America. Focused on wellness, the innovative community spans 17-square-miles and offers residents and businesses first of its kind connectivity through gigabit fiber optic technology. Planned communities in this area are diverse in architecture and include multi-family, single family and estate home options. Resort-style amenities, pools, nature trails and parks are found in most communities like Lake Nona Golf & Country Club, Eagle Creek, VillageWalk and Laureate Park.

Kissimmee/St. Cloud

Located south of Orlando in northern Osceola county, the Kissimmee/St. Cloud area enjoys easy access to major highways. St. Cloud encompasses East Lake Tohopekaliga and a charming, historic downtown Main Street. St. Cloud has a variety of homes in planned communities, as well as historic homes and larger lot sizes. Kissimmee is located to the west of St. Cloud and enjoys close proximity to theme parks.

SoDo

South Downtown, or SoDo as it is commonly referred to, is one of Orlando’s newest up-and-coming neighborhoods. With more affordable housing than downtown’s neighborhoods, and A-rated public schools, SoDo is a hot spot for young professionals and families alike.

Windermere

Home to celebrities, professional athletes, and some of the world’s top CEO’s, Windermere is both exciting and leisurely. Nestled among the Butler Chain of Lakes, and with multiple pristine golf courses and clubs such as Isleworth, Golden Bear Club, and Bay Hill, Windermere provides an array of recreational activities the entire family can enjoy. Here you will find larger homes on oversized lots within gated communities as well as charming historic homes on sand roads.

Winter Garden

Located along Lake Apopka, Winter Garden is the cultural hub of West Orange County and has a little bit of everything for everyone in the family. Just 20 minutes away from Orlando’s main attractions, Winter Garden provides a small-town feel while providing an escape from the hustle and bustle of the city. Home to the award winning West Orange Trail, a charming historic downtown district, and a trendy shopping options at Winter Garden Village, Winter Garden is the perfect location for those who want to reap the benefits of Central Florida outside of Orlando’s city limits.

Winter Park

World renowned for its beauty, charm, and history, Winter Park’s vast canopy of oak trees along its brick roads and stately homes make it among Orlando’s most luxurious communities. Founded as a resort town, Winter Park soon became home to Rollins College which began a history of educational excellence within the city that continues to this day as some of Central Florida’s best schools are located here. With a healthy housing market where home values have grown year over year, Winter Park is one of the best communities in Central Florida to relocate to.