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Randy Bowman
Broker / Owner
Phone: 727-596-2995
Email: Randy@assist2sell.com

Testimonials Page

Great experience working with Randy. Was with us every step of the way with our major purchase. Definitely would recommend Randy to anyone looking to purchase a house in the area. Sold our old house and helped us with the purchase of our new house. Will use him next time we are in the market. Doug Guston, Seminole, Fl
In all our dealings with Realtors over the past ten years, we have never met anyone as kind, helpful and energetic as you have been. Without hesitation, we would highly recommend your service to anyone who is looking for an experienced, caring Realtor who gets things done! Thanks for taking such good care of us! Marci Fehl, St. Petersburg, Fl
Local knowledge: A+ Process expertise: A+ Responsiveness: A+ Negotiation skills: A+ Randy has sold two properties for us, my house and my parents. Both sold quickly and we had a excellent experience and I highly recommend. Very professional and knows his business J. Eckerson / Largo, Fl
Very responsive to our needs, especially as we were selling the house while living far away. Randy attended to the details in a thoughtful and professional manner. Several maintenance items needed to be attended to along the way to completing the contract. Randy was invaluable! R. Devito, St. Petersburg, Fl
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Getting a Legitimate Lender and Getting Pre-Approved

It used to be that buyers could go house shopping and when they have found their dream home, then they go to get pre-approved. However, in today’s market, that has proven to be one of the least effective methods in landing the dream home.

Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, debt, assets, and credit history, lenders can estimate how much mortgage you qualify for. However, being pre-qualified and pre-approved are different things. Pre-approval means that you have applied for a mortgage; you have filled out the mortgage application, received your credit report, and verified your employment, assets, etc. When you are pre-approved, you know exactly what the maximum loan amount will be.

A pre-qualified letter is not verified and in essence, does not count for much if you are competing with other buyers who are pre-approved. When you are pre-approved, you and the seller know exactly how much house you can afford. It gives you credibility as an interested buyer and lets the seller know immediately that you will qualify for a loan to buy their property.

In addition to being pre-approved, it’s important to be pre-approved with a legitimate lender. Legitimate lenders include: banks, mortgage bankers, credit unions, savings and loan associations, mortgage brokers, and online lenders.

Some lenders to avoid: those who lose a form or misplace a file, those who gather information from you in an unorganized manner, those who are not informed about interest rates, points or costs, and those who cannot provide you with the right information.

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