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(407) 900-7902
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  • Home
  • Properties
  • Buyers
    • Buyers Ultimate Guide
    • Critical Role of the REALTOR®
    • Get Pre-Approved
    • Down Payment
      • Down Payment Assistance
      • Down Payment Resource
    • Buyers Worksheet
    • Schedule a Free Consultation
    • Movinghub
    • FAQs
  • Sellers
    • EXPRESS OFFERS
    • Sellers Ultimate Guide
    • Critical Role of the REALTOR®
    • What is My Home Worth?
    • Schedule a Free Consultation
    • Movinghub
  • Renters
    • For Rent
    • Lease with a Right to Purchase Program
      • About the Program
      • How it Works
      • Benefits to Residents
      • Resident Pre-Qualification
      • FAQs
      • Company Overview
    • Movinghub
  • Investors
    • Join Investors List
    • Investment Condos
      • Philippine Investment Condos
    • Vacation Homes
      • The Grove Resort
        • The Grove – Marquis
        • The Grove – Sterling
  • Homeowners
    • Homestead Exemption
    • Empower Home Progam
  • Blog
  • Contact
    • Testimonials
Florida Homes By Rau

We solve real estate problems!

(407) 900-7902
Submit

When Choosing a Lender

QUESTIONS TO ASK

Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about.

General questions:

What are the most popular mortgages you offer? Why are they so popular?

Are your rates, terms, fees, and closing costs negotiable?

Do you offer discounts for inspections, home ownership classes, or automatic payment set-up?

Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required?

What escrow requirements do you have?

What kind of bill-pay options do you offer?

Loan-specific questions:

What would be included in my mortgage payment (homeowners insurance, property taxes, etc.)?

Which type of mortgage plan would you recommend for my situation?

Who will service this loan—your bank or another company?

How long will the rate on this loan be in a lock-in period? Will I be able to obtain a lower rate if the market rate drops during this period?

How long will the loan approval process take?

How long will it take to close the loan?

Are there any charges or penalties for prepaying this loan?

How much will I be paying total over the life of this loan?

Translate:

eXp Realty is the first cloud-based real estate brokerage, the largest residential real estate brokerage by geography in North America and the first and only real estate brokerage to operate as one company-owned brokerage in all 50 U.S. states. It is one of the fastest growing real estate brokerage firms in North America with more than 15,000 agents across 50 U.S. states, the District of Columbia and three Canadian provinces. As a publicly traded company, eXp World Holdings uniquely offers real estate professionals within its ranks opportunities to earn company stock for production and contributions to overall company growth.

homesbyrau

Tynna Rau | Florida Realtor®
So glad to be able to help another Filipino family So glad to be able to help another Filipino family relocate to central Florida! Congratulations Villanueva family! 🚚 🌴 🏠 🎉 🍾

#homesbyrau #realtorrau #teamrau #popitwhenyoucloseit #kissimmeerealestate #kissimmeerealtor #filipinoinrealestate #filipinorealtor #filipinoinflorida #champagneclosing #justsold #exprealty #filams #movingtokissimmee #centralfloridarealtor #filipinorealtorflorida #movingtocentralflorida #celebrationtitlegroup
Stoked to earn these socks from Google for writing Stoked to earn these socks from Google for writing reviews on local businesses! 🗺📍🌎 

#turninglocal #localguides #orlandolocal #floridalocal #realtorrau #winnierau
Congratulations to Devon and Maria that closed on Congratulations to Devon and Maria that closed on their home in the Tampa area. They were originally looking for an affordable resale house and they ended up with a brand new single family home. Thanks to my fellow EXP agent partner Richard for making this possible! Teamwork makes the dream work! 🫱🏽‍🫲🏼 🎉 🏠

#newhomesbyrau #homesbyrau #realtorrau #teamrau #newconstruction #newconstructionhome #moveinready #tamparealestate #tamparealtor#tampanewconstruction #centralfloridarealestate #centralfloridarealtor #filipinorealestateagent #filipinoinflorida
I’m so lucky that most of my clients are awesome I’m so lucky that most of my clients are awesome and treat me like their friend/family. Getting invited to events like this is very flatterring! 🥰 💕✨

Thank you and congratulations Gremarie and Edward for the new baby boy!🤰🏽👶🏽💙

#itsaboy #babyshower #wesleychapel #riverlanding #florida #filipinoinflorida #filipinos #buntis
Family potrait 04.30.2022 👩🏽‍❤️‍👨 Family potrait 04.30.2022 👩🏽‍❤️‍👨🏽🐶
#winnierau
Congratulations to my sellers! Their property was Congratulations to my sellers! Their property was listed for only 5 days before we accepted a cash offer getting them 30k over what they wanted to net. Enjoy the beginning of your retirement! 
🏡🥂💃🏽🏦 

#homesbyrau #realtorrau #teamrau #soldbyrau #filipinolistingagent #popitwhenyoucloseit #popitwhenyousellit #orlandolistingagent #centralfloridalistingagent #filipinalistingagent #listingspecialist
Sweet gesture from @centexhomes! 🏠 🐶🍾🥂 Sweet gesture from @centexhomes! 🏠 🐶🍾🥂 

#closingday #teamrau #tampa #florida #centexhomes #homesbyrau #realtorrau #winnierau #winniecoopcoop #toyotasiennahybrid #toyotasienna #yorkie #tampaflorida #newconstruction
One of the most fun parts of buying new constructi One of the most fun parts of buying new construction is picking and planning all the details and styles. In this step, I get just as excited as the future new homeowners! 🤩🔑📐🦺

#newhomesbyrau #homesbyrau #realtorrau #newconstruction #newconstructionhome #moveinready #gainesvillerealestate #centralfloridarealtor #filipinorealtor #filipinoinflorida #filipinoinrealestate #homedesign #newconstructionprocess
Congratulations to my buyers for getting this home Congratulations to my buyers for getting this home under contract! When I sent them the listing for this home they were surprised how quickly I found exactly what they were looking for. It’s always validating when my clients are excited and happy. 😌 📄 ✍🏼 

#homesbyrau #realtorrau #offeraccepted #undercontract #stcloudrealestate #stcloudrealtor #filipinorealestateagent #filipinorealtor #centralfloridarealtor #movingtoflorida
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Owning a home is a keystone of wealth… both financial affluence and emotional security.

Suze Orman
May 27, 2022 Friday!
Florida Homes By Rau
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