• “Suzy Bagan was wonderful! I would recommend her, everything was great, Suzy was excellent!” Victoria L.
  • “As a FSBO, Suzy was great to work with to get the property sold for us quickly and easily…” Ana S.

  • “Suzy is fabulous!” Bettina B.

  • When Experience Matters. Call Suzy Bagan

BUYING

Buying a home can be an emotional and complex process. Being informed can help ease your nerves and prepare you for the many steps that are involved. The following tips will give you a good place to start when you are considering buying a home.

 

  • 1. DETERMINE HOW MUCH YOU CAN AFFORD

    Determining how much house you can afford is easy if you meet with a Loan Officer because they can tell you what you qualify for. ᅠHowever, do not go based upon this third party’s assessment alone. ᅠOnly you know what you can realistically write a check for each month based upon your other expenses and obligations.

  • 2. CHECK YOUR CREDIT

    I recommend checking your credit months before you actually decide to purchase a home.  Even if you think your credit scores are good, you will want to see what the bank will be will be looking at.  You will be able to see if there are any errors on your credit report which can be fixed by contacting the three major credit reporting bureaus – Trans Union, Experian, and Equifax. If there are negative items on your credit report, try to get them cleared up and get a clean “bill of health”.  If not, be prepared to give an explanation to the Loan Officer as to why the blemishes are there.   I will be happy to give you a number of tips—just give us a call!

     

  • 3. GET PRE-QUALIFIED OR PRE-APPROVED FOR A LOAN

    You will need to be pre-qualified or pre-approved for a loan in order to write an offer on a home.  A pre-qualification means that a Loan Officer has reviewed your credit history, assets and employment, and has determined your eligibility.  As long as the home appraises for at least the purchase price, the loan has a good chance of closing.  Remember, the number the Loan Officer gives you will be what he/she says you can afford based upon your income and expenses.  However, only you know for sure if this number is at or below what you know you can realistically pay each month.

  • 4. FIND A GREAT AGENT

    Professional expertise will help steer you clear of many pitfalls that can derail the entire home buying process.  Choosing a seasoned professional who has worked out many of the “kinks” that can surface in a transaction will make the home buying process that much easier for you.  I will be more than happy to assist you in all facets of the buying process.  And guess what?  You don't pay me!  The Seller pays me to bring them a Buyer, YOU!

  • 5. LEARN ABOUT THE NEIGHBORHOOD

    This is another area where my expertise will help you. Whether you are relocating to the area or buying in an area you are unfamiliar with, I will provide you with all of the details to help you make an informed decision.  I will let you know what other homes in the neighborhood have sold for in the past year, and can give you demographic information about the neighborhood.  Feel free to research the schools by clicking here, St Johns County Schools   or on the link in the St. Augustine menu on the main page of my website.  You can also learn about St Augustine too, there are several wonderful websites to browse.  Once you’ve found a home that you are interested in, take a walk around and talk to the neighbors.  There is no better way to see how well you will like living in a particular area than meeting the people that you will be sharing the area with.

  • 6. GET A HOME INSPECTION

    No house is perfect so you will definitely want to get a home inspection by a qualified, certified home inspector.  The few hundred dollars that you will have to pay will be worth it, especially if it saves you thousands of dollars in future (unexpected) repairs.  If the inspector says that the home will need certain repairs in the near future, he will usually give you an estimate for the cost of repairs.  It is my job to use these as a negotiating point with the seller’s agent.

  • 7. PROTECT YOURSELF

    I will give you a copy of the documents that you will be signing at the closing table in advance for the big day so that you can read them and have time to ask questions.  While I am here to guide you and provide you assistance, at the end of the day, it is your signature on the bottom line, so I want to make sure that you understand what you are committing to.

While I have only highlighted a few points to consider when purchasing a home, rest assured that I will be there every step of the way to guide you through the entire process and make sure that you understand and are kept informed at all times. In the event that you find the process to be intimidating, keep in mind that I will bring expertise and an objective thought process to the table—items that are key for what is likely one of the most emotionally-based decisions that you, the buyer, will make in your lifetime.

ABOUT

CONTACT US

Suzy Bagan, and her husband Dan, live in St. Augustine on Moultrie Creek in the house that has been in Suzy’s family for two generations. All the children and grandchildren enjoy visiting to enjoy the creek for fishing and kayaking, swimming in the pool and going to the beach. Suzy grew up outside of NYC in a household of Yankees and Rebels— her dad was from Ohio and of course her mom was from St. Augustine and Suzy likes to think she has inherited the best from both cultures.

 

Dan and Suzy have a blended family and both have lived all over the US. They have five grown children— three in CA, one in TX and one in SC with two granddaughters in CA, a granddaughter and grandson in SC and a grandson in TX. Suzy’s passion for this area and love of people are some of the reasons her career as a realtor is so successful. Ironically, Dan’s grandmother used to vacation in St. Augustine during the cold Iowa winters.

 

Dan and Suzy are active in the Trinity Episcopal Parish where Suzy’s family has worshiped for years. She feels it is an honor and privilege to worship under the same roof as did her grandparents. Giving back to the community is also something they are passionate about and are involved in the Food Pantry and the Trinity Thrift Shop. They love to bike, go to the beach, enjoy their pool, eat out and listen to live music and entertain family and friends. Road trips are always fun!

 

Why should you call Suzy for your real estate needs? She is knowledgeable about the area, extremely competent, well trained and takes great joy and satisfaction in providing you with excellent service.

SELLING

Selling a home can be a hectic, stressful time for many people, and that is exactly the reason you need to call SUZY BAGAN!  She knows how to get the job done and send you packing…into your next home.  When you enlist Suzy to sell your home, she will work with you to do three key items to get your home sold: (1) choose an appropriate price, (2) help you get your home show-ready, and (3) aggressively market your home for maximum exposure.

 

The price.   Suzy will work with you to examine all of the comparable homes in your area that have sold or are currently listed for sale.  From there, she will compare features and take your personal situation into consideration, like how quickly you need to sell your home.  We need to come up with a “market” price for your home.  Market price is not what the seller, an expert or even some software program says a home is worth.  Market price is the price that a ready, willing and able buyer will pay for your home.  Suzy's job is to help you determine this price from the get-go so we can quickly place a “sold” sign in the front yard.

 

 

Condition of the home.  Buyers are out looking at many homes and comparing yours to others that have similar features and a similar price.  They are looking at everything about the home, especially the condition of the home.  Have there been recent updates that make it attractive?  Are there features that make it special or unique?  Suzy will work with you in determining what things may need to be updated or fixed in the home, if possible before your home goes on the market, to ensure a quick sale and to get as high a price as possible for your property.

 

 

Marketing your home.   Extensive target and online marketing is more important now than ever!  Over 90% of homebuyers begin their search online.  A sign in the yard and a listing in the MLS doesn’t cut it anymore. When interviewing for a Realtor®, make sure you ask about their marketing plan.  Suzy markets her listings on over 45 real estate websites (and the number keeps growing!), along with print advertisement.  She thoroughly understands the importance of price, condition and marketing when selling a home.  "I know what works and what does not work in today’s market.  I don’t specialize in listing homes, I specialize in SELLING homes!"

TESTIMONIALS

What my customers are saying about me...

PAM S.

"... excellent in every way! went above and beyond our expectations! professional, personable,helpful, gave us time and expertise; always prompt and open to phone calls. Suzy continued to be invaluable in her recommendations of services once we bought. without her we would have been lost.

BOB & JANET

Suzy has helped with all my real estate needs for the past 10 years and she will never tell you what she thinks you should do. She will always listen to your requests and together will resolve any issues as needed. She is professional as well as kind and very knowledgeable. Knowing Suzy has been a   pleasure!

TERRI Z.

“Suzy was fantastic – calming and guiding me along the way by taking care of every detail”

SUSIE C.

"Thanks for all your help and encouragement thru-out the sale of our property.  I would gladly refer you to anyone who needs a real estate agent."

BARBARA D.

"As a Realtor® from New York, I expect service from my Florida agent and that is what I get from Suzy.  Time is limited when I'm in St. Augustine, Suzy is willing to meet at a moments notice.  She is always well informed about the housing market, truly  professional."

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WHEN EXPERIENCE MATTERS

Call Suzy Bagan

904-806-0933

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CONTACT SUZY

LET'S TALK ABOUT IT

Get started on the path to your real estate needs. Please contact me for more information on how to get the job done.

 

 Have a question?  I'll be more than happy to answer.  Want to discuss our ever changing real estate market?  Call me.

 

 

Phone: 904-806-0933

Email: Suzy@Bagan.me

 

Weichert-- Crown Properties

319 W. Town Place Ste 26

St Augustine, FL 32092

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2015 | DESIGN BY BRIANNA BUTTERBAUGH

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