Years and years and years ago different real estate agents had different listings. That is no longer the case. All agents in a given area, usually the same county, have access to the same real estate listings. This is the result of the Multiple Listing Service otherwise known as the MLS. The MLS has been around for decades and is now on the Internet for everyone to see.

  Real Estate agents do have access to a much more detailed search than that available to the general public. For instance there are dozens and dozens of search criteria on the Ocala Marion County MLS. Sitting down with a good real estate agent and developing a list of wants and needs and must haves and then using that list for a detailed search can save a lot of time and frustration.

  Finding an agent to work for you is the first step in your home search. After all, the seller pays your representative to work for you. Where else can you get a deal like that? The most important thing is to find someone you like and can trust. After all, we all can show you the same houses.

  One of the most important steps in a home search is getting pre approved for financing. There are several advantages to seeing a lender early in the process. First is that it doesn't cost anything. You find out exactly how much house you can afford. If you do have any credit issues a good mortgage broker can advise you on how to improve your score. There also a variety of loans out there like the FHA which isn't entirely credit score driven. Some people will need help with closing costs, knowing this is a must before making an offer. Finally when you find a house the seller will see you the same as cash buyer which will improve your negotiating position.

   The next step would be sitting down with your buyer's agent and determining what you must have in a house and what you'd just like to have in a house. Although on the surface this may seem like a waste of time it's actually quite a time saver. It will make you think about what's really important to you in your next home and in the end you'll be happier with your purchase. Your agent will use this information to pre screen properties for you either online or in person before setting up an appointment to view homes.

  Once you've found the right house it's time to make an offer. Your agent should research what similar homes in the area have recently sold for and with this information you can decide on an offer. A good agent should present the offer to the seller in person to be sure the offer is presented in the best possible light.

  After negotiations have been finalized you have to meet a number of dead lines. Here is an area where it's important to have an agent who keeps on top of things. Home inspection, property appraisal , survey and the loan process must be kept on track and all dead lines have to be met. The ultimate conclusion would be a successful closing.

   Whether you're moving to Ocala from out of state, a first time buyer or buying your 10th home, it's important to understand the process and always ask questions.

    The first time buyers tax credit in Ocala expires the end of 2009. You must get your house under contract no later than early November to qualify.