MICHAEL RYAN

Thank you for your trust, I won't let you down.

My Commitment to You

My father once told me, "..a man's word is his bond." It was true in his day and I believe it is still true today. My customers are now and have been from our first hand shake, my friends. I am proud to make that statement. My work ethic is such that I always want to look forward to meeting or seeing again a former customer, and not have to HIDE down the aisle in the grocery store. Something would be wrong with that picture wouldn't you agree? We are going to be friends you and I and the sooner we get THAT started the better for us both. I promise to treat you honestly and fairly and with the respect you deserve. And I know you will find that I deliver on my promise to serve you and your family as a professional. So let's get started, I am at your service!

The Best Service, The Best Results

Choosing a real estate agent who has the tools, skills and experience to make your dreams come true can be as challenging as the home buying process itself. Let me make it simple for you. Good communication is the cornerstone of any successful relationship. You can count on me to provide you with the information you need on a schedule and in a manner that suits you best...

Waterfront DREAMS ?

I live on the water. It is what drew me to Florida in the first place. Blue skies and great fishing were on the list, but I also wanted to live on the water. For this reason alone, I can offer advice and suggestions based on my own experience having lived on the water, as well as my years as a real estate appraiser and seeing many competing properties and neighborhoods with water acces, water views, and water frontage. There is FAR more to this than you think!

For International / German Buyers

Voraussetzungen fuer internationale Kaeufer:
Fuer auslaendische Kunden, die eine US Hypotheken Finanzierung erhalten wollen,
sind folgende Qualifikationen noetig.
Jeder Hypotheken Finanzierungsantrag ist nicht beschraenkt, kann aber, um die Genehmigung der Finanzierung zu bekommen, einige der nachfolgenden
Mindestanforderungen beinhalten.
Mit einigen Ausnahmen, muessen mindestens 30% Anzahlung fuer ein Einfamilienhaus
und 40% fuer eine Eigentumswohnung geleistet werden.
Dieses trifft auf Haeuser zu, welche als Hauptwohnsitz erworben werden.
Bei Ferienhauesern ist es allgemein erforderlich, eine groessere Anzahlung von weiteren
5%-10% zu leisten.
Das Kapital muss aus sogenannten “seasoned funds” kommen.
Seasoned Funds:
Vor Abgabe des Hypotheken Finanzierungsantrages, muss das Eigenkapital mindestens
60 Tage auf einer international taetigen Bank vorhanden gewesen sein.
z.B. Deutsche Bank
Nach Ablauf der 60 Tage gilt Ihr Eigenkapital als seasoned funds und damit als qualifiziert.
Ein internationaler Kredit Report oder eine Schufa Auskunft muss auf eigene Kosten
erbracht werden und muss der US Hypotheken Bank auf Anfrage vorgelegt werden.