Buying A Home
Let’s face it… buying a home can be as stressful as it is exciting. When you are house hunting be sure you have a qualified real estate agent on your side.
Are you looking to buy a new home in Hernando, Pasco, Citrus, Hillsborough, Pinellas, or the Tampa Bay area? Contact us and we can help you find the perfect dream house for your family!
Working With The Right Real Estate Agent Can Be The Key To A Successful Home Buying Experience
Top 10 Do’s and Don’ts When Shopping for and Buying a Home
- Do get pre-approved before you start shopping.
- Do realize your lender is working for you to help achieve your dream of ownership.
- Do fully disclose all financial information.
- Do provide documentation to your lender in a timely manner.
- Do keep credit balances low to maximize credit potential.
- Don’t make any large purchases on credit (cars, furniture, etc.).
- Don’t change employment.
- Don’t miss any payments on any debt.
- Don’t make any deposits that cannot be sourced.
- Don’t apply for new credit.
First Time Home Buyers Programs
Check out some of the First Time Home Buyers Programs available in our area.
Hernando County SHIP Program
Hernando County Housing Authority
Pasco County SHIP Program
Home Closing Do’s and Don’ts
Remember to bring two forms of identification
You need to bring one government issued photo ID (driver’s license, passport, etc.) as well as something with your name on it (Social Security card, credit/debit card, insurance statement, etc.). Your photo ID cannot be expired. If you bring an expired license or passport, you will not be able to close.
Set a payment reminder for your first payment
There will be a first payment form in your closing package. Typically, your first payment will be a check that you will have to mail. After your first payment, you will be provided with information to set up automatic payments to the lender.
A Certified Check or Wire Transfer will be needed
Most closing companies will not accept personal checks or money orders. You will need to get a cashier’s check for the amount indicated on your Closing Disclosure. In some states, you may also be required to use a money wire.
While the seller and buyer are not required to show up and sign at the same time, all parties on the loan (and their spouse, if applicable) must show up to sign their loan documents.
Ask your loan originator
If you have any questions at all, please contact the loan originator.
Write a review
Our business is based on your satisfaction. You will be emailed an opportunity to fill out a review. Please let us know how we did. If you are please with your experience, refer us to a friend or family member.
Don't fill out any mail requesting your closing information
This information is not requested through mail.
Don't send money for a copy of your deed
A copy will be mailed to you once the deed is filed.
Don't be rushed
The closing process is not incredibly lengthy, but you should be prepared to spend some time at closing. There are a quite a few papers to sign. You have the opportunity to review your closing documents before signing, which many people wish to do. You can expect to spend about an hour in closing, but you may need additional time if you have any questions for the closing agent.
Don't forget to apply for a homestead exemption
Technically, this is something that is done after closing, but it’s important. A homestead exemption saves you money on your property taxes, so don’t forget to apply after you close.
Don't forget the little things
In the whirlwind of closing, receiving your house keys, packing, moving, unpacking, and getting settled, some of the smaller things can be forgotten. Remember to update your address with the post office and change your utilities in your new home to your name. Save your closing documents. You should scan them as an e-doc, as well as keep the physical copies. Update your voter’s registration, driver’s license, and your motor vehicle registration.
Palmwood Realty Featured Listings
Interested in one of our featured listings? Feel free to contact us for more information.
What Our Clients Say About Us
We wanted to let you know how very much we appreciated you going the extra mile for us while handling the sale of our house. Many thanks for being a liaison between us and the buyers and for making sure that every detail was attended to. Steve and I are more than grateful and wanted to say it was a pleasure working with you. You are the best!Steve & Nancy KelleySold Single Family Home for $209,900 in Spring Hill FL 346097/10/2020
Nancy Brunette was excellent throughout the selling process and in buying the home we moved to. Cannot praise her enough, she understood our needs and worked extremely hard negotiating the best deal in the sale and purchase processes. Her knowledge of the area and her guidance and advice are all superb and made the whole process easy for us to cope with. We cannot thank her enough and would definitely use her for future home moves.Peter & Marjorie BraverySold Single Family Home for $394,000 in Weeki Wachee FL 3461311/21/2019
Nancy is a fabulous resource and agent. She helped our family by going above and beyond! Communication, follow up, etc. We were an out of state client and she made it seem as if we were present. Thank You!Sandra SchullerBought a Villa in Silverthorn on June 21, 2019 for $175,900 in Spring Hill FL 346096/30/2019
We chose Nancy as our realtor because we had used her services in the past and were very satisfied with the entire process. Nancy indeed knows all aspects of her job and is willing to help make the buying or selling process as smooth as possible. We really felt that she went the “extra mile” for us in every way, and she was concerned for us as people; not just as clients. We would definitely recommend Nancy Brunette for any real estate needs.Cheryl KelleySold Single Family Home for $209,900 in Spring Hill FL 346093/26/2019
Nancy was amazing to deal with and she was always very professional and patient with us. We ran into some problems dealing with international financing but Nancy always made herself available to answer any questions we had and was willing to assist where needed. If it had not been for Nancy I may have given up on the deal before closing. Nancy was a pleasure to deal with and I have recommended her to a coworker who is also looking to purchase a property in the Tampa area.Michael FergusonBought Single Family Home for $219,900 in Spring Hill FL 3460912/31/2018
I don’t see ever having any other agency represent us. Nancy Brunette is definitely our choice. We have the option to choose other agencies and realtors, but we only want to deal with Nancy. She is a very good realtor and over the years we feel that she has become a very good friend. We appreciate everything she does for us. Thank you Nancy. You have taken very good care of us. We have bought 3 houses and sold 3 houses with your help. We live out of state and depend on your agency to take care of our needs. And you have done an excellent job! Thank you Nancy!Rose TackettSold Single Family Home for $132, 500 in Beverly Hills, FL 344657/02/2018
Nancy did an excellent job finding us the home of our dreams. Nancy showed us many homes and after talking to her she knew exactly what we were looking for. Nancy is an absolute credit to the real estate industry. Both my husband and myself wish her all the success she rightly deserves.Helen MannBought Single Family Home for $314,000 in Hernando FL 344426/30/2018
Nancy Brunette was great! Understood what we wanted, showed us a good range of properties in the areas we were interested and gave honest opinions when asked but never pushed us in favor of a particular property or area. Very willing to set up appointments for second showings on any property. She was always early or on time for appointments. We got answers to any questions we had. We couldn’t have been more pleased with our choice of Nancy and would recommend her to others in heartbeat.Christopher MannBought Single Family Home for $314,000 in Hernando, FL 344426/30/2018
First off, first time home buyer. I had spoken and looked into multiple realtors, eventually coming across Nancy Brunette. Nancy was very attentive to any questions/concerns I had and had a great knowledge of the Spring Hill area I was looking at. When the process started she made sure to make time to be there through every walk-through and buying process which meant a lot as she had questions I didn’t think of. Overall a great experience in meeting and dealing with her and should I ever need their services again I will most certainly be back.Aaron PearsonBought Single Family Home for $231,970 in Spring Hill FL 346106/21/2018
Nancy was great to work with! She found us the right house and sold both of ours with both of us satisfied. She was able to fight for us on a few things and answer all of our questions. You will not be sorry getting with Nancy!Keith MorinBought Single Family home for $302,500 in Spring Hill FL 346096/18/2018
Nancy was very attentive and gave us input as if she herself had a stake in the home. Very Professional! Can’t say enough how wonderful Nancy was and how easy she made it for a first time home buyer. She made a point to be there every step of the way and made herself available for any and all questions throughout the process.Aaron PearsonBought Single Family Home for $231,970 in Spring Hill FL 346106/04/2018
Considering that we live out of state, Nancy was extremely helpful with recommendations for emptying out the house and having necessary repairs made to property prior to putting it on the market. She was always very responsive to any questions that came up during the sales process. I would not hesitate to work with Nancy Brunette or recommend her to friends. An outstanding real estate agency to work with.Angie TonnessenSold Single Family Home for $202,500 in Spring Hill FL 346093/12/2018
Nancy Brunette made our house buying experience so convenient from showings to closing. From seeing multiple homes in the same day that we selected and others Nancy recommended, to providing us multiple back to back walk through of the one we purchased, just so we could be absolutely sure. Then walking us through the offer and closing process as smooth and simply as they did was amazing. Can’t believe we are already in our home and in less than thirty days. We thought we would still be looking and waiting for one to come along. Thanks for all you have done for us!Mike & Candy RudeBought Silverthorn Single Family Home for $285,500 in Brooksville FL 3460911/13/2017
Nancy was the best realtor that we have ever dealt with at this point. Nancy was an attentive, professional, and thoughtful realtor! We couldn’t have asked for a better realtor and she went above and beyond the call of duty.Francis & Janet OstendarpBought Single Family Home for $405,000 in Spring Hill FL 346099/25/2017
Nancy Brunette was wonderful to work with..she was very knowledgeable and understanding of the area where we were looking to buy. She was also more than accommodating during our search, inspection, and closing since we live out of state. I highly, highly recommend her and wouldn’t hesitate to use her real estate services again.Christopher and Lynn HartleBought Single Family Home in Silverthorn for $260,000 in Spring Hill FL 346099/12/2017
I wish I had another property to sell. It is such a easy time to sell with Nancy. A complete market analysis of compatible sales in your area is provided with serious pricing for property. Then the excellent marketing pictures taken of your home, emailed reports of marketing results of these efforts are sent in a timely method. The scheduled showings are handled with expertise concluded by a selling/closing of your home. Truly “no worries”.Marcia KruegerSold Timber Pines Single Family Home for $153,000 in Spring Hill FL 346068/23/2017
I’ve had the pleasure of working with your team on the sale of one house and the purchase of three. You always made it a good experience with very little stress. On this particular sale Nancy always was there for my questions and I felt very comfortable having her guidance through the purchase. Thanks for all your help and wisdom.Donna BeairstoBought a Villa in Silverthorn for $175,000, in Spring Hill FL 346095/08/2017
Nancy Brunette was my agent and she displayed not only the highest level of professionalism, but was warm and caring and listened to me as an individual. She found me the perfect home for the best price available and I would highly recommend her to anyone who needs to purchase a property.Belize GordonBought a Single Family Home for $117,500, in Tampa FL 336185/05/2017
Nancy Brunette was a true asset from the start to finish of our house purchase, she went above and beyond in every aspect of the process. It was a relief to have someone so attentive handling all of the details as we were trying to coordinate the purchase from long distance. Her local knowledge was exceptional and she had a great understanding of our needs and requirements for our new home. We couldn’t recommend her enough.Peter & Marjorie BraveryBought Single Family Home for $289,000, in Weeki Wachee FL 346134/07/2017
Even though Nancy was handling multiple clients simultaneously, we always felt she was on top of our search/purchase. She was always timely in her response and was thorough in her communications with us, regardless of day/time. Nancy made sure we were looking at all important considerations, never telling us which way to decide. She really had our back and followed through when issues with the home we were purchasing arose. Nancy worked very closely with all parties involved in the process from the sellers’ agent, our mortgage company, the inspectors, our insurance company, and title company. Even with the minor bumps we encountered, she made it as smooth as possible thanks to her attention to all the details. We are already sharing our great experience with family & friends!Estilito and Vicki DiazBought Single Family Home for $150,000 in Spring Hill FL 3460810/11/2016
If you need a real estate agent in Spring Hill, Florida, please, please, please contact Nancy Brunette! My husband and I are so happy we found Nancy and I know you will be too. Moving to a new area can be so stressful and really quite scary. Nancy will help you navigate the market and paperwork from beginning to end!. I know you’ll love working with Nancy Brunette, we sure did!Jerry HagenBought Single Family Home for $125,000 in Spring Hill FL 346069/19/2016
Nancy, is very knowledgeable of Hernando County. She was able to provide insight on specifics of various communities, and pinpointed our list of must-haves to narrow down prospective properties. She also assured us that we need not worry, when faced with multiple closing dates.E. & S. HarringtonBought a Hernando Oaks Single Family Home for $130,000 in Brooksville FL 346048/09/2016
Nancy Brunette, initially set a week aside for us to look at potential homes when we arrived to Spring Hill from Atlanta. She kept the process flowing all the way to closing, then continued to help us settle in. She went over and beyond the call of duty. Thanks Nancy!! You deserve five stars!!!Ron & Doris CurreyBought a Single Family Home for $118,500 in Spring Hill FL 346097/14/2016
Nancy’s patience and optimism was a huge stress relief to me throughout my search and her continued support and assistance have been exemplary! As huge animal lovers, the Spada TEAM will always have my vote, but as proven professionals with patience, knowledge and wonderful communication, they will also have my recommendation!Barbara SpragueBought a Single Family Home for $150,000 in Spring Hill FL 346085/04/2016
I appreciated Nancy’s patience with all of the different “moving scenarios” that we transitioned through. I worked with her extensively in May myself and picked right up with her in November with my husband. She is very patient and diligent.Brian & Nancy CarterBought a Seven Hills Single Family Home for $144,000 in Spring Hill FL 3460812/28/2015
Our experience with Nancy Brunette was extremely positive from our first interaction with her. She was very patient as we were looking at properties from Indiana, with limited trips to Florida. Nancy was always willing to look at properties and send pictures to assist us in our decision making process. We would highly recommend Nancy to anyone searching for a home. Everything was extremely simple, even handling it from Indiana.Dan & Melanie HeiserBought a Timber Pines Single Family Home for $115,000 in Spring Hill FL 3460611/16/2015
Nancy did a wonderful job of staying in contact with us and answering all of our questions. She was relentless when it came to finding a home that my wife and I would love. We can’t thank Nancy enough. My wife and I give Nancy 5 Stars! I know we will do business again.Timothy and Thanh MarlerBought a Hernando Oaks Single Family Home for $158,000 in Brooksville FL 346049/20/2015
It was a pleasure working with Nancy. My goal was to find a home during the few days I was in Florida. She matched my criteria and I found a home in one day. My emails and text messages were answered in a timely manner during and after closing. I would highly recommend her to anyone who is searching for a new home.Barbara McMurrayBought a Silverthorn Villa for $154,000 in Spring Hill FL 346099/15/2015
Nancy Brunette is a ROCK STAR!!!! I purchased this particular property to flip. Two weeks after I closed on it, tore out the carpet and kitchen, Nancy brought a prospective customer through it and sold it for full ask. My wife and I are amazed with Nancy’s ability to do a deal like this when the purchaser didn’t even get to see the final product but trusted us to deliver a beautiful remodeled villa for his residence!!! Thank you again, Nancy!!!Tom & Lou Ann FreylingSold a Silverthorn Villa for $140,000 in Spring Hill FL 346093/05/2015