Florida Law requires that Real Estate Licensees provide a Notice to All Home Buyers & Sellers
You should not assume that any real estate broker or salesperson represents you unless you agree to engage a real estate licensee in an authorized brokerage relationship. You are advised not to disclose any information you want to be held in confidence until you make a decision on representation.

Buyers Beware- When you call on a yard sign and speak to the listing agent, remember, they are representing the Seller and NOT YOU. Don't reveal personal or financial information to the listing agent or the seller. Aways conceal your excitement when you fall in love with a home. This, and the maximum price you can pay, is for you alone to know. Show some interest in each home you're shown which has desirable features. Then, when the right one comes along you won't blatantly telegraph your true degree of interest.  It's suggested you use an exclusive Buyers Broker...an agent whose exclusive loyalty and skills are used on your behalf. As unfair as it seems, in most typical home purchases, the only one NOT represented is YOU... the buyer.

The Buyer's Broker's fee is paid by the seller and not You. The Buyers Broker Agent is compensated by sharing the commission that the seller has agreed to pay their listing agent. The buyer can receive representation at no additional cost to themselves. In the case of New Homes, the Sales Agents in the Model Homes are highly trained representatives for the Builder and not You. You can work with those Agents and still have someone on your side! Your Buyers Broker Agent will look out for your best interests. Even though the Broker is compensated by a seller or agent working with a seller, such compensation does not compromise Brokers duties to the Buyer.

Buyers Broker- (Single Agent)  A prospective buyer contracts with a buyers broker under a single agency agreement. A Buyer's Broker is legally bound to act in best interest of the client and their interests only.
The Buyer's Broker's fee is paid by the seller and not you. A Buyer's Broker is in a much stronger negotiating position, which typically results in a lower purchase price. You and your agent work together exclusively.

Single Agent Notice- Florida Law requires that Real Estate Licensees operating as Single Agents disclose to Buyers and Sellers their duties. As a Single Agent, (   ) and it's associates owe to you the following duties:
1- Dealing honestly and fairly
2- Loyalty
3- Confidentiality
4- Obedience
5- Full Disclosure
6- Accounting of all funds
7- Skill, care and diligence in the transaction
8- Presenting all offers and counteroffers in a timely manner, unless a party has previously directed the licensee otherwise in writing
9- Disclosing all known facts that materially affect the value of residential real property and are not readily observable

As your Buyers Broker:
1- Buyer should be Pre-Qualified or agrees to make a mortgage application with a lender. Broker will assist in searching for the best loan programs and will relay the information to the Buyer. We can then focus our search to properties that are within your actual financial parameters.

2- We will devote the time, effort and expense of helping you find the right property. Buyers sole obligation is to make any Purchase Offer on any real estate through Charles Rutenberg Realty, Inc. however, the Buyer is not obligated to buy any real estate.

Florida Real Estate Law Requires You to Know This
How Much Home can you Really Afford? Free Calculator
Home Inspections- a small price for a large investment
Tampa Bay Home Inspection Companies
Tampa Bay Home Appraisers    Tampa Bay Attorneys
"Out of Town Buyers"This Link is For You
Typical Real Estate Closing Costs
Tampa Bay Schools
Tampa Bay Termite and Pest Inspectors
Home Warranty Companies for Protection

Valuable Tips Every Home Buyer Should Review
Free Loan Info plus Mortgage and Lending Companies
Benefit from Understanding Different Types of Loans
Preparing your Credit History for a Home Loan
Getting Finances in order and Saving for the Down Payment
Understanding Interest and Principal Payments on Loans
How to Save $$$ in Interest Fees 15 vs 30 year Mortgages
Adjustable Rate Mortgages versus Fixed Rate Mortgages
Paying Loan Points & leveraging with a Small Down Payment
Pinellas County Property Appraisers Database