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Things to Consider Before Buying a Home

  • Check Your Credit – Your credit is crucial when applying for a loan; the better your score, the lower your interest rates will be. Be sure to check all three major credit reporting companies: Experian, Equifax, and TransUnion as the information in each report may vary slightly. Make sure you make copies of your credit report as well, and check your score well in advance of applying for loans.
  • Find a Lender – Most people need to take out a loan when buying a home, and you’ll want to be prepared to make an offer when you find that perfect home. It’s important to be sure that you’re approved for a loan before you start looking at homes so you don’t miss out on any opportunities. If you need help finding a lender, our team can recommend trusted lenders to help you.
  • Price Range – Calculate what’s realistic for you to be sure things stay within your budget. Once you know your range, we can help you make the most out of your money.
  • Research – Finding the right home can be time consuming, but it’s important to consider everything before you decide. How many bed and bathrooms will you need? Do you prefer or newer or older styled home? If you have kids, what are the schools like in the area? All are important factors to take into account during the home finding process. We are dedicated to helping you through the entire home buying process. Once we find that perfect home, we will prepare a written offer. With our experience in the market, we can help you arrive at an offer that both fits your budget and has the best chance of being accepted.
  • Once Your Offer is Accepted – After your offer is accepted, you’ll have a grace period to have the house professionally inspected and request repairs or counter offer if the situation arises. Once this step is complete, we will verify the terms and conditions of your loan, and assist you in signing your papers. We are here to assist you with any questions you may have during the process.
  • Moving Time! – Now that you’ve found your perfect home it’s time to make moving arrangements. If you plan on utilizing a professional moving company, we can recommend reputable, local movers. Don’t forget to fill out your change of address forms and inform the utility company of your move!

RELOCATION INFORMATION RESOURCE 
 
ELECTRICITY:  Florida Power & Light      (386) 252-1541   (800) 226-3545 www.fpl.com Online Set up.  Under Tab – Moving – Set-up.  Telephone customer service is available 24 hours per day, 7 days per week.  The deposit of $240 may be waived if you can offer FP&L a good credit reference from your previous electric power company.  The one-time service charge for service set-up will appear on your first bill. 
 
VOLUSIA COUNTY WATER, SEWER, GARBAGE COLLECTION, & RECYCLING  TELEPHONE:            (386) 736-5971  www.volusia.org/services/public-works/water-resources-and-utilities/billing-information.stml (Garbage collection is included in property taxes) Waste Pro: (386) 506-5575 Water department/ direct line:   (386) 506-5750    Customer Service (386) 506-5720 Port Orange Public Works:   (386) 506-5575                                              Volusia County Annex Building, 250 N Beach St., Daytona Beach.  A $160 deposit is required to be received prior to opening a new account; the county has waived the deposit on some occasions & charged $40 service charge on first bill.  ******After Closing - Email the HUD to volusiautilities@volusia.org   
 
CABLE TV:  Spectrum         (386) 760-9950 www.spectrum.com 
 
HOMESTEAD PROPERTY TAX EXEMPTION:               (386) 736-5901 https://vcpa.vcgov.org/exemptions.html

Florida homeowners who have legal title to property that is their primary residence are eligible for a property tax exemption of $25,000.  Homeowners must register in person before March 1, with the Property Appraiser’s Office, 250 N Beach St., Daytona Beach, FL.  (386-736-5901)Take your deed, drivers’ license, voters registration identification, all dated prior to December 31st of the previous year.  If you think you also qualify for a Widow and Disabled Veteran exemption, take appropriate documents with you. 
 
DRIVER’S LICENSE:                                                              (386) 238-3140 https://www.flhsmv.gov/ Corner of Nova Road and Orange Avenues, Daytona Beach, one block South of International Speedway Blvd.  Hours 7:00am to 6:00pm Monday – Friday. You will be given a vision test, and will be required to surrender an out-of-state driver’s license.  Two pieces of identification are required. 
 
AUTOMOBILE:                         (386) 254-4610 Annex Building, 250 N Beach St., Daytona Beach. Florida Tags are required within 10 days of establishing Florida residency, and you must apply in person.                    
 
VOTER REGISTRATION        (386) 254-4690 http://volusiaelections.org/VoterRegistration/registrationinfo.htm 
 
  
 
Natural Gas  Teco Peoples Gas 1-877-832-6747  
Mosquito Control  East Volusia Mosquito Control (386) 239-6516  Below is a list of frequently dialed numbers. 
 
Code Compliance Hotline – 386-506-5604 
 
Police Non-Emergency & Animal Control – 386-756-7400 
 
Fire Non-Emergency -  386-506-5900 
 
Parks & Recreation - 386 - 506-5850 
 
Public Utilities Emergency -386-756-5380 

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Anne Busse-Gandt
Broker/Team Leader
204 Cessna Blvd.

Port Orange, FL 32128
386-756-6105
Anne.sprucecreek@gmail.com

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