Sanibel Island FL real estate, Sanibel FL real estate, Captiva Island real estate, and Captiva Florida homes for sale, Lee County, FL, Florida - James & Penny Hetmanek, REALTORS® James & Penny Hetmanek REALTORS(r) for Sanibel Island and Captiva Island, Florida real estate - NUMBER1EXPERTS™ James & Penny Hetmanek NUMBER1EXPERTS(tm) for Sanibel Island and Captiva Island, Florida real estate
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James & Penny Hetmanek, REALTORŪ, real estate agents and broker for Sanibel Island and Captiva Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
Call us for all of your Sanibel Island Real Estate needs toll free at (800) 553-7338, ext. 219 for Jim and ext. 202 for Penny




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We add our newest homes and other Sanibel and Captiva real estate listings to this web site first. It can be some time before they appear in the MLS.
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The Hetmaneks are the best!
"I've sold many properties and the Hetmanek's are the best agents we've ever done business with!"
David and Judy Laskey, Nutting Lake, MA
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
James & Penny Hetmanek are Top Selling Real Estate Experts™
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Mortgage Prequalification: Sanibel Island and Captiva Island Florida home buying, real estate listings, and homes for sale in Lee County, FL
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Sanibel Property Before You Know Exactly How Much You Can Spend!
 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Sanibel and Captiva Islands Realtors to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you!
 

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About Your Move
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About Your Home Search
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Real Estate Tips
First Time Buyers >A Realistic Evaluation

Your real estate agent's job is to find you the perfect home, in the right location, with all the amenities you want--and at the right price. It is the home inspector's job to find any skeletons in the closet -- or in the plumbing, wiring, roof, basement and beams.

The inspector won't pass or fail a home based on what he or she finds, but will go over the house thoroughly to help you understand the condition of the property you are buying. If there are any serious problems, your inspector can give you a realistic idea of how much the repairs will cost. If there are material defects that were not reflected in the asking price, you will have the opportunity to re-open negotiations with your sellers before you commit to the purchase. A good inspector will also explain the operation of the basic emergency systems such as the main water cut off valve and the circuit breaker box, and will go over items that will need routine maintenance.

If you are buying a house, we recommend that you make a professional home inspector part of your home purchase team.

See All Tips In The "First Time Buyers" Category >
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Real Estate Trivia
Q 
Where are church services held in the water each Sunday during July and August?

A 
At Half-Moon Bay, Ontario, worshippers gather in boats facing the natural stone pulpit, and hymnals are passed to the floating congregation by ushers in canoes.
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James & Penny Hetmanek, REALTORŪ, real estate agents and broker for Sanibel Island and Captiva Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

James & Penny Hetmanek
VIP Realty Group, Inc.

1560 Periwinkle Way
Sanibel Island, FL 33957
James: 239-472-5187 ext 219
Penny: 239-472-5187 ext 202
Toll Free: 800-553-7338 ext 219
Fax: 239-437-7530
Cell: 239-565-0359
Email: Hetmanek@Hetmanek.com

James and Penny excel in the world of Sanibel, Captiva and Lee Island Coast Real Estate. Consummate professionals, they understand the intricacies of the market and the importance of individualized services. James and Penny are very accomplished negotiators who are successful at exceeding their clients' expectations. They are truly your Island Experts.

REALTORMLSEqual Housing


    



VIP Realty Group, Inc. real estate and homes for sale in Sanibel Island and Captiva Island Florida
VIP Realty Group, Inc. real estate and homes for sale in Sanibel Island and Captiva Island Florida

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