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Modern Realty of Putnam Inc.
Larissa Ricketts, Broker
881 State Road 20, Suite 3
Interlachen, FL 32148
Phone: 386-684-0930
Email: modernrealty881@gmail.com

Thank you for visiting today. If this is your first visit, take your time and look around. We have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how we can serve all your real estate needs.

Our company serves Putnam County and the surrounding area.  Market is heating and up and listing inventories are down.  You need a good professional agent to help you find the perfect home.  

Our office is Located in Interlachen Florida but we serve all of Putnam County including.... Interlachen, Palatka, Hawhthorne, Melrose, East Palatka, Florahome, Georgetown, Crescent City, Welaka, Satsuma and more.

If you are looking for a waterfront home look no further.  I have fished many of the area lakes and we are very familiar with not only our inland lakes throughout the county but the St. Johns River also.

Looking for investment in Lots or Acreage?  Prices have not been this low in many years so it is a buyer's market.  Look toward the future while prices are down.

We have a wonderful staff of experienced agents to help you.  We treat our buyers and sellers with respect knowing that purchasing or selling is an emotional experience for most people.  The market has changed and we have changed with it.  

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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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