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HOME BUYER'S SUCCESS GUIDE

GUIDING YOU THROUGH ONE OF THE LARGEST ANDBEST INVESTMENTS YOU CAN MAKE .

HOME BUYER'S SUCCESS GUIDE

GUIDING YOU THROUGH ONE OF THE LARGEST ANDBEST INVESTMENTS YOU CAN MAKE .

Camila Murata

BROKER

Camila Murata is the President and principal broker of Luxury Real Estate Group, a rapid growing brokerage in Florida that serves a diverse clientele with all real estate related services.

Camila launched her real estate career in Florida in 2012 and shortly thereafter became a broker. She has now a longtime record of guiding national and international buyers who are relocating in South Florida or who are looking for investment opportunities. With honesty, dedication, tenacity and local knowledge she is the real estate broker all past clients continue to consult with and recommend.

Camila is an Accredited Buyer’s Representative (ABR®), Certified Military Relocation Professional and a Certified International Property Specialist (CIPS) with experience and recognition.

Camila's personal belief that everyone should have the opportunity to home-ownership has led her to further promote programs and incentives for people of all backgrounds to access home-ownership opportunities. Her unique life experience and thrive to succeed gives her a special connection to home buyers.

Offering special incentives to buyers and sellers who are community heroes like teachers, military servicemen and police members, Camila ensures that she gives back for what she has benefited from as a resident of Florida. Camila appreciates the connections she has made with her community either through her work or through the activities of her two children.

Contact Me Today
Camila Murata

LOCAL EXPERT

I will find and source the right home for you and your family, customized to suit your personal needs and preferences

SKILLED NEGOTIATOR

Once your home is found winning is the only option. Whether it is eliminating buyer competition or securing the best terms, I am trained to represent your best interests successfully.

TRUSTED ADVISOR

There is much to navigate in a real estate transaction. I will be your guide, problem solver and confidant at each step, ensuring a seamless and enjoyable experience.

Camila Murata

Camila Murata

YOUR BROKER

CONNECT WITH ME

YOUINFL.COM

MY TEAM IS YOUR TEAM

You deserve the best: trusted and vetted industry experts to
support you through the real estate transaction.

INSPECTOR

A thorough home inspection uncovers potential issues and provides crucial insights into a property's condition. This is also your final decision making and negotiation period should there be any updates, repairs or enhancements required prior to moving forward.

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CAMILLE D'AMICO

TITLE AGENT

Omega National Title ensures same-day searches, instant closing costs estimates, toptier title insurance, escrow management, and remote notarization. Camille will go to your home or place of business to notarize your documents, making the closing experience effortless for all parties involved.

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JOANNA OATES

TRANSACTION COORDINATOR

Ensuring a seamless transaction by managing all the deadlines and coordinating all requirements for you to remain on task. There is a lot to remember and my coordinator does this for you

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JARED MANCIL

HOMEOWNER’S INSURANCE

Shops for the best rates, compares policies across multiple carriers in Florida, and advocates for my clients' best interests, ensuring price transparency, service reliability, and hassle-free insurance solutions at the best rates available.

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MATT WEAVER

MORTGAGE LENDER

#1 Originator in the nation for purchase transactions in 2022 and #1 overall in State of Florida since 2020, helping over 25,000 families purchase a home. Matt provides homebuyers with a clear and concise pre-approval process that fully operates 7 days a week from 8am-9pm. Matt has also earned the respect of the local real estate agent community as the most trusted and recommended lender in the state of Florida.

YOUR HOME & NEIGHBORHOOD

Let’s discuss your preferences so I can help you find your ideal home.

GENERAL PREFERENCES

What type of home are you looking for? (single-family, condo, town house, etc.)

How many bedrooms do you need?

How many bathrooms do you need?

Do you need additional room for a home office?

Approximately how much square footage are you looking to have?

Is having a garage important to you?

Do you want a swimming pool or outdoor patio space?

Do you have a preference for a one or two-story home?

Is having a gated neighborhood important to you? What about recreational amenities such as clubhouse, pool or fitness?

Do you have any location preferences? (specific county, city, or neighborhoods)

If applicable, what school districts do you prefer?

What other conveniences would you like to have nearby? (beach, parks, shopping centers)

Do you want a house in move-in condition or are you willing to do some work on it?

Are there any special concerns for family and/or pets?

What are your top five non-negotiables?

What price range are you comfortable with?

GETTING PRE-APPROVED

The importance of getting pre-approved before shopping

Know Your Budget

Purchasing a home is one of the largest financial transactions one will make. Understanding all the facts and figures is critical to the home search. The pre-approval process is designed to marry your desired payments with your financial qualification. No surprises, no sticker shock, ensuring that the home you love will meet your financial needs and objectives.

Shop with Confidence

The real estate and mortgage transaction consists of multiple moving parts. A unique process that includes specific qualifications and documentation requirements. Being responsible upfront will allow you to shop with ease. With a strong, thorough and accountable preapproval you can rest easy knowing that once we find the home you love that you will close and fund successfully.

Strengthen the Offer Process

Home sellers need confidence when reviewing and accepting your offer. Having the right pre-approval not only shows the seller that you are a serious and well qualified buyer, it allows me as your real estate agent to structure the most attractive offer terms within the real estate contract. Stronger terms will allow me to negotiate and secure you the best terms and acceptance from the seller.

THE SIMPLE PRE-APPROVAL PROCESS

10minutes

1. SIMPLE APPLICATION

To apply, simply call 561-864-2458 (7 days a week from 8am-9pm). Visit WhyMattWeaver.com or scan the QR code below to apply online. 

15minutes

2. SUBMIT DOCUMENTS

After completing your application you will be provided a simple list of documents that will be needed to complete the qualification. The sooner you submit these documents, the sooner the review can be completed and we can finalize your pre-approved amounts and begin your search.

4-8hours

3. UNDERWRITING REVIEW

Once your documents have been received the Underwriting Coordinators will review your application and documentation to determine all loan programs available to meet your specific needs.

10minutes

4. CONSULTATION

The Matt Weaver Team will call you for a detailed consultation to review all facts, figures and programs to suit your desired budget. Your pre-approved amount and details will be sent via email to both you and I to discuss and begin the home PREFER TO shopping process.

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FINANCIAL ITEMS

Here is a basic checklist of items to anticipate what may be needed and begin gathering to ensure a smooth process. Individual documents may vary depending on a buyer’s individual profile and circumstances.

Most recent 30 days of pay stubs for all employers

Most recent 2 years personal and business tax returns(if applicable)

Most recent 2 months bank statements

MATCHING YOUR PRE-APPROVED AMOUNT WITH YOUR HOME SEARCH

1

Together we will review the pre-approval terms and flexibility of search

2

Establishing search criteria that matches preferences and financing terms

3

Initiate property search, compare home and neighborhoods, narrow down to desirable neighborhoods

4

Create a customized schedule of home showings based on your availability

5

Continuously update properties on the market that meet your criteria and coordinate schedules based
on new findings

MY WINNING OFFER PROCESS

1

OFFER PRICE

I will run an extensive comparative market analysis on the home of your choice to help guide you on a strategic offer.

2

INSPECTION PERIOD

This is your decision making period. During this time we will complete a 3rd party inspection report and appraisal if needed.
The shorter amount of time the better. Sellers prefer a fast contingency period as it demonstrates the buyer’s commitment and
minimizes their risk of not closing successfully. I recommend a market leading 5-day inspection period.

3

LOAN APPROVAL PERIOD (MOST IMPORTANT)

This represents the time needed for your mortgage lender to arrange your financing. The shorter the better and is much more
attractive to sellers. The standard approval period is 15-21 days however, working with my team's lender, I recommend as
quickly as 5 days (depending on the loan program). This has been proven to help eliminate buyer competition and/or
negotiate better terms for your home.

4

WAIVING APPRAISAL CONTINGENCY

Waiving the appraisal contingency while protecting you as a buyer is a win-win. It states to a seller that we will purchase the
home regardless of value.
For your protection we will still confirm the value within the inspection period, giving you the flexibility to either re-negotiate
the sales price or cancel the contract if the value or terms are not acceptable to you.

5

CLOSE AS QUICKLY AS 10 DAYS

Fast closings are a key ingredient to eliminating buyer competition and getting better terms, especially when a home is vacant.
The standard closing timeframe is 30 days. My team's loan originator and I together have the ability to close in as little as 10 days.
This speed can be the deciding factor for why a seller will choose our offer over several others.
If the home is occupied adding a post-occupancy agreement can be a valuable tool in the negotiating process.

6

LENDER TO LISTING AGENT

It is imperative that the mortgage lender calls the listing agent during the offer process to validate all terms and timelines,
solidifying your strength as a buyer.
I provide my team's loan originator with the listing agent’s contact information to ensure proper communication, validating your
qualification and why selecting our offer is most beneficial to the seller.

7

VALIDATING OFFER TERMS

Your lender is included in the formal offer submission process via email.
This is important as they will validate all the terms, timelines, and your qualifications in writing. They also provide the listing agent additional reasons as to why accepting our offer over competing buyers is most beneficial to the sellers.

 1.ESCROW DEPOSIT

Congratulations! Your offer has been accepted. You will be required to make your initial escrow deposit reflecting your commitment to the transaction. These funds will be applied to your total amount needed at the time of closing. They are also refundable should you cancel within acceptable contract timelines.

2. MORTGAGE APPLICATION

Although you have already been pre-approved you will now make formal application with your lender. This will be specific to the property and accepted offer terms and begin the formal loan approval process and application disclosures to proceed.

3. INSPECTION

A thorough home inspection uncovers potential issues and provides crucial insights into a property's condition. This is also your final decision making and negotiation period should there be any updates, repairs or enhancements required prior to moving forward.

WHAT TO EXPECT

4. APPRAISAL

A home appraisal is a third party valuation that determines the fair market value of a home based on recent comparable sales. It can assure you and your lender that the price you’ve agreed to pay for a home is fair.

5. HOMEOWNER’S INSURANCE

Homeowner's insurance is a safeguard that protects your investment, ensuring coverage against unexpected damages or liabilities. Securing insurance not only shields your home but is crucial in meeting lender requirements for loan approval as it mitigates risks for both the buyer and the lender. It is important to start this process immediately as it will impact your monthly payments and loan approval terms.

6. LOAN PROCESSING

For most lenders the mortgage loan process takes approximately 30 days but it can vary quite a bit from one to the next. Banks and credit unions tend to take a bit longer than mortgage companies. A thorough pre-approval will ensure this is a smooth process by meeting qualification requirements upfront and simply validating final items prior to closing.

7. HOA APPROVAL (IF APPLICABLE)

The HOA process will vary per community and will educate you on the community standards, amenities and ongoing costs and responsibilities. The association approves each buyer. While generally a formality, the timing of this process is important to a successful closing.

8. UNDERWRITING

The final validation where the lender confirms the buyer’s qualification and documentation meet the program requirements. The loan will first be conditionally approved and it will be common for there to be some additional items needed to validate prior to completion. Depending on lender it can take from days to weeks to complete.

9. FINAL WALKTHROUGH

The final walkthrough is a crucial step as it ensures the property's condition aligns with the agreed-upon terms, allowing a last-minute check for any discrepancies or unresolved issues before closing. It provides you peace of mind, confirming that the home is as expected and ready for transfer of ownership, ensuring a smooth transition into your new property.

10. CLOSING!

Congratulations you made it! You will wire your final proceeds to the title company and sign your official loan documents, making you the proud owner of your new home! After funds are received and documents are signed you’ll be given the keys to your new home!

12 IMPORTANT REAL ESTATE TERMS

 APPRAISAL

A determination of the value of something, in this case, the ouse you plan to buy. A professional appraiser makes an estimate by examining the property, looking at the initial purchase price, and comparing it with recent sales of similar property.

 APPRECIATION

Increase in the value or worth of an asset or piece of the property that's caused by external economic factors occurring over time, rather than by the owner having made improvements or additions

 CLOSING COSTS

The fees a seller and buyer pay to complete a real estate transaction.

 CONCESSIONS

A determination of the value of something, in this case, the ouse you plan to buy. A professional appraiser makes an estimate by examining the property, looking at the initial purchase price, and comparing it with recent sales of similar property.

 CONTINGENCY

A provision in a contract stating that some or all of the terms of the contract will be altered or voided by the occurence of a specific event, usually by specific dates leading up to the close.

 EARNEST MONEY

a deposit made to a seller that represents a buyer's good faith to buy a home.

 ESCROW

The holding of funds or documents by a neutral third party prior to closing your home sale. This is typically done by a title company.

 HOME INSPECTIONS

An examination of the condition of real estate property. A home inspector assesses the condition of a property, including it's heating, cooling systems, plumbing, electrical work, water and sewage.

 MLS

A computer-based service that provides real estate professionals with detailed listings of most homes current on the market. The public can access much of the this kind of information through websites like Zillow

 OFFER

A formal proposal by a potential buyer to purchase a property at a specified price and under outlined terms, initiating negotiations between the buyer and the seller.

 TITLE

Ownership of real estate or personal property. A Title is evidence by a deed recorded in the county lound records office.

 POST-OCCUPANCY

An agreement where the seller remains in the home for a specified duration after the closing, allowing them additional time to vacate the
property while the buyer assumes ownership.

MOVING CHECKLIST

 CHANGE OF ADDRESS

US Postal Service

Driver License

IRS

Social Security

Voter Registration

Banks/Investments

Insurance/Doctors

Friends/Family

Schools

30+
DAYS BEFORE

Reserve Moving Truck/Movers

Get Boxes, Tape And Other
Moving Materials

Notify Utility Companies Of
The Date For The Final Meter
Reading

Notify Cable Company,
Security And Any Other
Services You Receive

Begin Cleaning Out Closets
(As Well As Attic And/Or
Garage If Applicable)

Analyze What Items Can Be
Thrown Away Or Donated

Start Packing Items That Are
Not Daily Imperatives

14
DAYS BEFORE

US Postal Service

Driver License

IRS

Social Security

Voter Registration

Banks/Investments

Insurance/Doctors

Friends/Family

Schools

1-5
DAYS BEFORE

US Postal Service

Driver License

IRS

Social Security

Voter Registration

Banks/Investments

Insurance/Doctors

Friends/Family

Schools


MOVING DAY

US Postal Service

Driver License

IRS

Social Security

Voter Registration

Banks/Investments

Insurance/Doctors

Friends/Family

Schools

Reviews


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