Buyers Package • Leslie Heimer

Meet Leslie

With more than 20 years of experience in real estate, Leslie Heimer is a Professional Real Estate Advisor with Stockworth. Leslie offers concierge real estate services to her clients with the highest level of customer service, backed by a full team of marketing and real estate professionals.

Prior to Stockworth, Leslie has been a Chief Lending Officer providing lending experiences in Orlando and throughout Central Florida. Leslie has been a leader in the real estate industry and was named 100 Most Powerful Women in Banking in 2018 by the National Mortgage Professional Magazine and continues to own a thriving mortgage practice today. Leslie’s lending background provides her a powerful advantage when selling homes. Her clients significantly benefit from the depth and breadth of knowledge she brings to the closing process.

Leslie is also a contributor for the prestigious Scotsman’s Guide and named Most Connected for Real Estate Lending in 2019 by NMP Publication for her social media influence and thought leadership. Leslie has been recognized on the cover of FOCUS magazine, the Orlando Business Journal and Orange Appeal magazine for real estate and marketing strategies, as well as nationally ranked and recognized as Women With Vision Award in 2020. Orlando Family Magazine recognized Heimer as Top 50 Real Estate Professionals year-over-year since 2017.

As a seventh generation Florida native, Leslie earned her undergraduate degree from the University of Florida and her Master’s of Business Administration from the University of Maryland University College with a focus in Marketing.

Leslie is a self-proclaimed “golf-widow,’ married to former tour player, Justin Heimer and mom to two smelly and rambunctious boys. She has served the community in numerous non-profit boards supporting causes close to her heart.

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

• 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 a lender.

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 firsttime 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

home owners association bill months for child support/alimony)

• 401K/IRA statement last quarter

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

the lender know

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

business (if applicable)

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

ex-spouse pays a debt help cover the purchase costs

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

• 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

Showings

• Many homeowners prefer 24 hours notice prior to showings

• No more than 5 properties in 1 day

Writing a Contract

• Understanding contract options

• Confirming financing options

• Understanding your deposit requirements

• Understanding inspection rights

• Establish closing timeline

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

Other

Cancel Deliveries

Newspaper

Other Miscellaneous

Arrangements with moving company

Obtain school records for children

Have drug prescriptions refilled

Notify Insurance Companies

Health

Life

Auto

Homeowners (if applicable)

Obtain Medical Records

General Practitioner

Dentist

Optometrist

Other doctors