Benjamin Rivera

# 📞  239-489-1100

## 📠  239-437-7201

# Office Hours:

## Monday - Friday

### 8:30 AM - 5:00 PM

## Saturday

### 9:00 AM - 3:00 PM

## Sunday

### 11:00 AM - 3:00 PM

Fort Myers Sales

Fort Myers Building

BenRivera-3

Residential, rentals, commercial, school of real estate, mortgages, titles

Our Companies

Our leadership team

Executives

Being pre-qualified helps determine how much home you can afford. Pre-approval requires verification of financial information by the lender. Knowing what you can afford before you begin the purchase process gives you significant buying power, and lets the seller know that you are a serious buyer! Mortgage Group Services LLC NMLS#377302 is here to help with all your lending needs.

### Pre-qualification and Pre-Approval
Pre-qualification is an informal discussion between borrower and lender. The lender estimates the amount that can be loaned based solely on information shared regarding income and assets. The lender does no verification and is not bound to make the loan. Loan pre-approval is determined by documented and verified information regarding employment, income, liabilities, assets and cash available to close. Upon completion of the pre-qualification process, the lender will guarantee the loan and begin the mortgage approval process.

### Mortgage Group Services LLC NMLS#377302
Mortgage Group Services LLC NMLS#377302 is a great source for home financing. You benefit from the relationships between the large selection of lenders within Mortgage Group Services LLC NMLS#377302. We're prepared to provide the best loan products, saving you valuable time and dollars.

[Calculate your buying power][1]

### The Mortgage Group Advantage
- Competitive interest rates and fees
- Complimentary, no-obligation pre-qualification
- Easy application process
- Various mortgage programs that can be customized
- Local processing
- Mortgage Alternatives
- Mortgages from $25,000 - $3,000,000, 15 to 30-year fixed-rates, and adjustable rate alternatives are available for your convenience. Refinancing alternatives, home improvement loans, specialty mortgages, owner-occupied, second or vacation financing programs are available.

### Contact Us

__Mortgage Group Services LLC NMLS#377302__

### 📞 941-202-0025

📧 linda@mortgagegroupservices.com
Linda J. Knowlton NMLS#365593

📍 13131 University Drive, Fort Myers, FL 33907

[Affiliated Business Disclosure][2]

[1]: http://www.calcxml.com/calculators/home-affordability?skn=221
[2]: /utilities/affiliated-business-disclosure

 (NMLS#377302) Your source for home financing, pre-approval and pre-qualifications

Mortgage Group Services LLC

Linda Knowlton

Manager of Mortgage Group Services LLC NMLS#377302

Linda Knowlton’s years of experience in finance and operations has made her a core element to the success of Mortgage Group Services LLC NMLS#377302. She brings an exceptionally broad experiential base in her leadership and expertise.

Linda has a proven track record in Operations. In her tenure as a lending executive, she has developed extensive expertise in serving wholesale mortgage brokers and retail branches, managing mortgage pipelines and developing new loan products.

Linda oversees all aspects of the mortgage process at Mortgage Group Services LLC NMLS#377302. This includes the monitoring of loan inventory and production levels, directing transactions to control interest rate risk and coverage, leading the Mortgage Group team that sets daily rates, managing locks, and ensuring competitive pricing, programs, and customer satisfaction.

Her vision and clarity of purpose make the delivery systems at Mortgage Group Services LLC NMLS#377302 the best in the industry. Linda’s solid judgment and ability to attract and manage talent has given Mortgage Group Services LLC NMLS#377302 the potential to produce positive results for employees and customers. Linda brings an organizational management style that allows for flexibility, in combination with timely delivery systems that are required in today’s competitive mortgage environment.

☎️  239-790-3206
📧  Linda@mortgagegroupservices.com

Linda J. Knowlton NMLS#365593

Lisa Farrell Sands

As advisor and broker of VIP Realty - Commercial, Lisa leads the full-service brokerage and its team in providing real estate services for commercial land, office, retail and industrial properties. A Florida native and over 40 year resident of Southwest Florida, Lisa is a Florida-licensed Realtor and Broker with over 30 years of experience in real estate sales. She has a bachelor's degree in advertising and marketing from Florida State University.

In 1990, Lisa began her real estate career at VIP Realty Group, where she worked for five years. Her subsequent experience includes real estate management and sales for WCI Communities and Miromar Development. Prior to rejoining VIP Realty - Commercial she managed residential and commercial properties for her own firm, Clarkton Properties, LLC.

Lisa is a Past Board Member and Current Member of REIS (Real Estate Investment Society), Past President & Member of CIP (Commercial Investment Professionals), a member of the Royal Palm Coast Realtor Association, the Naples Area Board of REALTORS, a member of the Sanibel & Captiva Island Associations of Realtors and the Punta Gorda-Port Charlotte-North Port Association of Realtors, Inc., a member of the Greater Fort Myers Chamber of Commerce and was on the Board of Directors for The Pace Center for Girls for two years.

Lisa is also Broker of Record VIP Realty Group, Inc.

![LeadingRE Logo](//images.contentful.com/ie10uck62u5k/3P4yyRAQRqyKeiwgyuicsM/824d95a8930e87402d8964fc27e9a4d6/LeadingRE_Vertical_RGB_Reverse_LargeR.jpg)

Leading Real Estate Companies of the World® (LeadingRE) is the home of the world's market-leading independent residential brokerages in over 70 countries, with 550 firms and 136,000 sales associates producing 1.2 million global transactions. Our by-invitation-only network is based on the unparalleled performance and trusted relationships that result in exceptional client experiences.

As an affiliate of LeadingRE, VIP Realty Group, Inc. is a global - not just local real estate company. We can assist you anywhere in the world. We have access to the highest caliber of real estate professionals in over 70 countries and across six continents. When buying or selling property outside of our local market, our world-class connections can help with real estate needs throughout our continent and to points around the globe. Let us introduce you to a carefully selected sales associate that will provide you with extraordinary service — anywhere your real estate needs take you.
![Leading RE](//images.ctfassets.net/ie10uck62u5k/5IhC6BKIScd2bgvNa0PXqq/df17bf541ab0cd13a74d84327ffd8fda/Leading_RE_Feb2022_12.jpg)

![2019 Luxury Portfolio Logo](//images.ctfassets.net/ie10uck62u5k/3gokmGZDhgg8fSfX8i4cFQ/cc4491d98fd76d11bf8529160bcdc8a7/LPI_Horizontal_RGB_Color.jpg)

Luxury Portfolio International® is a unified collection of the world’s most experienced, visible and highly-regarded experts in luxury real estate. Founded in 2005 as the premium division of Leading Real Estate Companies of the World®, Luxury Portfolio exclusively markets a selection of the network’s extraordinary homes, utilizing a sophisticated mix of online and offline media to position properties for maximum exposure in an elite market. The program markets over 50,000 properties annually on the award-winning LuxuryPortfolio.com and in prestigious publications circulated around the globe. Encompassing more market-leading independent real estate brands than any network, members are recognized for their agility, expertise and superior competence in both local and global markets.

![Mayfair International](//images.contentful.com/ie10uck62u5k/5PTNBAso9yiG60Uus46Ywo/3b8e17c68ebb4b9337e5dbf6a2e0b2bf/MIR_20logo_20high_20res.jpg)

Mayfair International Realty is a carefully selected group of the most experienced and professional real estate experts from across the globe. Founded in 1995, the Mayfair Office has grown to become one of the foremost groups of luxury real estate agents in England, Scotland, Wales and Ireland. In 2005 this group was expanded to North America. Today Mayfair International Realty members can be found across the globe, bringing sophisticated international real estate marketing to a worldwide community of buyers and investors. With over 300 offices across the UK, and more than 180 offices overseas, all headquartered in a busy central London office, Mayfair International Realty offers its members and their clients exclusive access to excellent media and internet coverage as well as the opportunity for buyers and sellers alike to connect with the very best real estate companies across the globe – exclusively.

![ERC](//images.contentful.com/ie10uck62u5k/1C5oP26PlqoK8cC2W0weuc/cba807e0892ac9314f617d1b1ad31593/MemberLogoV.jpg)

ERC® is the workforce mobility association for professionals who oversee, manage, or support U.S. domestic and international employee transfers. Worldwide ERC® members come from many professions -- HR; recruiting, government; military; real estate; financial services; moving; counseling; consulting; and more. Worldwide ERC® provides a wealth of products and services that contribute to the success of its members. Membership has grown to nearly 1,600 corporations and 10,000 service industry members around the world. Worldwide ERC® is widely recognized as the authority on global workforce mobility, and continues to build on its network of professionals, partners and stakeholders, on its print and electronic programs and services, its research capabilities, technology tools that create e-solutions for its constituencies, and its public policy work to ensure best practices and standardization in the industry. 

LeadingRE Logo

2019 Luxury Portfolio Logo

Mayfair International

Proud memberships and associations across the globe

Affiliations

There is so much more to the total VIP story. VIP Realty Group, Inc. would love the opportunity to share the rest of it with you at your convenience, either face-to-face, via the internet or telephone. Please contact us today for your confidential interview. You already live in Paradise... discover what it is to work in Paradise as well!

# Fort Myers Residential
### __Lisa Farrell-Sands__

Brokers & Commercial Advisor

### 📞 __239-489-1100__

📧  lsands@viprealty.com

📍 13131 University Drive, Fort Myers, FL 33907

# Sanibel & Captiva Residential
### __Jim Hall__

Managing Partner

### 📞 __239-472-5187__

📧  JimHall@viprealty.com

📍 1560 Periwinkle Way, Sanibel, FL 33957

# Commercial Sales & Leasing
### __Lisa Farrell Sands__

Sales Manager

### 📞 __239-489-3303__

📧  LisaSands@viprealty.com

📍 13131 University Drive, Fort Myers, FL 33907

### Join Our Team of Real Estate Professionals
As real estate professionals, our business is driven by our consumer focus, creativity, resourcefulness and entrepreneurial spirit. VIP Realty Group, Inc. is committed to ensuring this driving force through our state-of-the-art facilities, caring management team, employee accomplishment recognition and reward compensation programs.

### Seasoned Associates
You can experience new heights of success with VIP. Give us a call, or read more to discover why more sales professionals select VIP.

### New Associates
Every new sales associate is teamed with a mentor to ensure the quality and success of the VIP way. Our new associates have access to continuous training programs and lucrative commission schedules. Learn more about the VIP career development program.

### Get Your Real Estate License
Our very own Florida Real Estate School in Naples.

Join our team of professionals

Careers

Join the Team

There are many reasons you should benefit from hanging your license with VIP Referral Group, Inc.

Is your __real estate license inactive__ or __dormant within a brokerage__ office? Is your license __costing you money__ and earning you little or nothing? Are you planning to get your license __with no intentions of selling__? Would you like the opportunity to let your license __make you money__ with little or no effort on your part?

If you fall into any of these categories, then the __VIP Referral Referral Group, Inc.__ is the perfect place for you to start capitalizing on your real estate license, with little or no effort. You can become a __Referral Agent__ with VIP Referral Group, Inc. and start making money without going full-time into real estate.

As a __VIP Referral Associate__, you __earn commissions__ for referring successful leads (buyers or sellers) to VIP Referral Group, Inc. It’s as easy as making a phone call, and the best part is that VIP Referral Group, Inc. will hold your license while you pursue other interests.

__For More Information Contact__

__Lisa Farrell-Sands__

__Broker of Record, VP of VIP Realty Group, Inc.__

☎️  __239.489.1100__

📧  lsands@viprealty.com

📍 __13131 University Drive, Fort Myers, FL, 33907, United States__

VIP Referral Group, Inc., a wholly-owned corporation of VIP Realty Group, Inc., is a separately licensed Real Estate Broker administered by VIP Realty Group Inc.’s Relocation & Global Referrals Department at the address and phone number above.


VIP Referral Group, Inc.

# A Leader in Southwest Florida
### Since 1975

VIP Realty Group, Inc. was established on Sanibel Island, Florida, in 1975, with the clear mission to provide customers with the most knowledgeable associates, the greatest opportunities and the best customer service. With offices in Fort Myers and on Sanibel and Captiva Islands, that mission has been realized and VIP has become one of the largest privately owned, full-service real estate companies in the region.

VIP has been serving Southwest Florida for over forty years while developing a reputation for innovating and implementing marketing strategies and advanced technologies that increase customer and associate opportunities through referrals, listings and sales.

The VIP website, search engines and listing services, along with other technological advancements, have ensured that associates have all the necessary tools to list, market, and sell premiere properties while assisting customers in finding the exact properties and locations to fit their wants, needs and lifestyles.

VIP is committed to providing the best service in the real estate industry. Our associates provide unparalleled customer satisfaction by consistently striving to build long-term relationships. With our customer commitment in mind, we offer you the advantages of our full-service real estate company.

Full service real estate company, privately owned, since 1975

History

Title Group Services, LTD #A265826 is an experienced real estate title company with an impeccable reputation.  We offer a full line of title services including Lender and Owners Title Insurance, title searches, abstracts, preparation of HUD settlement statements, clearing judgement liens and much more!

For your convenience, we have four offices located throughout Lee, Charlotte and Collier Counties. We offer a full line of title services including Lender and Owners Title Insurance, title searches and abstracts, preparation of HUD settlement statements and documents, clearing judgment liens and more.

### Experienced Staff
A lot can be expected from our experienced staff.  We act as real estate transaction coordinators for all involved parties gathering all required documentation.  You can rely on Title Group Services to obtain all the correct information that is required to ensure your real estate transaction closes painlessly and on time.  Our founder, Renae Henry, has over 30 years of title, lending and legal experience all right here in Lee, Collier, and Charlotte counties. While the support staff has over 20 years of combined experience dealing with all the intricate paperwork it takes to close each and every real estate transaction.  Every day we ensure that we consistently communicate, provide quality service and guarantee quality assurance. Over the past 23 years TGS has been built into an elite title team capable of handling all your needs! 

### Competitive Pricing
Our competitive pricing will help expedite your transaction. We know that closing costs can be troublesome to new homebuyers and existing home owners. At TGS we take pride in our low overhead and marketing budgets because we know we are turning our savings into your savings!

### Quality Service
Quality Service is important at TGS, and we make sure you will not get lost in the shuffle. With our advanced technology you can reach us anytime and we offer flexible scheduling to accommodate all parties in your transaction. The bottom line is that we are large enough to handle all your title needs, but small enough to give you the personalized attention you deserve.

### Consistent Communication
Communication is key in real estate transactions. From beginning to end, TGS keeps all involved parties up to date with the progress of their closing. Our employees will contact you when your order is received and continue to update you throughout the closing process. We feel that consistent communication results in a smooth successful closing.

### Contact Us

__Title Group Services__

### 📞 __239-489-0102__

📧 rhenry@titlegroupservices.com

📍 __13131 University Drive, Fort Myers, Florida 33907__

[Affiliated Business Disclosure](http://viprealty.com/utilities/affiliated-business-disclosure.html)

Full line of services includes lender and owners title insurance, searches, abstracts

Title Services

The VIP Trade program is our solution to enable buyers and sellers to come together.

### Get What You Want When You Like What You See.
Real estate is a timing business. Right Place vs. Right Time. Available Properties vs. Available Assets. Buyers Market vs. Sellers Market.

So what is the major problem with today’s real estate market? People simply don’t have available liquid assets. It’s not that there aren’t buyers and sellers… simply that buyers and sellers are only able to operate with assets in hand. So what has happened recently when a potential buyer or seller sees a property that they’re interested in but simply can’t liquidate assets for the purchase or sale? Nothing…until now.

### Introducing the VIP Trade Program
Our solution to enable buyers and sellers to come together, when it seems impossible. We create liquidity, solve timing issues, arbitrate negotiations, and enable you to be a part of this buy low and sell high market. â€¨The new VIP Trade Program has made it easy for you, in uneasy times. When you like what you see… VIP.

### It’s all in the Timing.
At VIP, we understand that this is a very simple idea… we liquidate your assets for you so you can invest your money into new ventures. So why not just liquidate your assets yourself? Timing. Timing is the crucial element in any real estate transaction. Finding a home and obtaining financing for a home go hand in hand. We’ll take care of the details and remove the timing risk. So all you have to do is focus on finding the one door you’d like to call home.

### Another Man’s Treasure.
You may be surprised at the amount of assets you can raise by simply putting them in the market. You have assets that someone will want. We find the people looking for exactly what you have, including properties. Assets could be vehicles, aircraft, marine, businesses, secured notes, stock, jewelry, art, or residential and commercial properties. While you may not get New York for a handful of beads, we will find you the best price for your assets. And most importantly, you will be able to move forward, in the house of your dreams.

### A Package Deal?
The VIP Trade Program is set up to get you the most value for the assets that you wish to liquidate. While we may not be able to sell every single item on your “wish to sell” list, we will find buyers for the most marketable items, coordinate the timing, and turn you into a stronger cash buyer. We’ll find your buyers so you can spend time finding exactly what you would like. And when you like what you see… VIP.

Buyers and sellers come together 

Trade Program

As a full service real estate agency, VIP has the tools to create the perfect real estate experience. Our full-service marketing department provides the perfect product information distribution to make sure that the right people are able to easily find the perfect properties.

### Online Exposure
Internet exposure for your property is critical in today’s real estate market. VIP Realty Group is qualified to market your home online and in the local media. VIP uses a multimedia advertising campaign promoting the viprealty.com website across television, radio, and print medias to continually increase traffic to what is already one of the best real estate websites in the state.

### 24/7 Live Call Center
In addition, VIP Realty Group boasts the only 24 hour a day, seven day a week call center in Southwest Florida. The Call Center provides exposure of your home seven days a week, 24 hours a day. The website boasts access to over 2 million properties worldwide.

Full-service marketing department for beautiful exposure

Marketing

### A Guide to Purchasing a Home
Buying a home is a complicated process. Selecting the style of home you want, a prime location, making an offer, and securing financing are all aspects of the process of buying a home.

### Find the Right Home
Realtors® are trained professionals who are experienced in real estate transactions. They can help you find the right home. Realtors ® know the local market and are knowledgeable about existing homes, and homes that are new to the market. They have access to information about every home that is listed.

### Financial Resources
A key element to buying a home is having the financial resources to actually purchase the house. A Realtor ® can help you determine what type of loan you need before you seek a mortgage company or bank. Your real estate professional can help you look at your total financial situation and help you determine the type of financing that is most advantageous.

### Keep Informed
Realtors® work for you from inception of the process through final closing. They also keep you informed and advised on the most important investment you might make in your lifetime.

Realtors® Get Results!

Resources for purchasing your dream home

Buying

Sellers' Guide
Guiding You Through The Sales Process
To help you through the selling process, we’ve outlined most of the key steps and detailed the ways that your real estate professional will be providing assistance.

### Step One
As you prepare to sell your home there are some simple improvements that can help you get the most for your home and make it sell more quickly. VIP sales professionals assist with the sale of thousands of homes every year and can help you focus your efforts on the things that will make a real difference to buyers.

### Step Two
Setting the right price before you list is critical to getting the most for your home and selling it quickly. Having a professional with experience in your neighborhood prepare a Competitive Market Analysis (CMA) gives you the facts and insights to set the right price.

### Step Three
Getting the best price is about bringing you the right buyers for your house. This is a combination of a solid marketing plan, targeted media exposure, and taking advantage of the VIP network of local and out-of-town buyers. No other company can match these resources.

### Step Four
If you’re moving somewhere else in or out of the area, let our relocation team make the transition easier. Not only can we help you sell your home or lease it through our property management group, we’ll help you find a leading company with great service no matter where you’re planning to go.

Guides and checklists to help you master the selling process

Selling

![LeadingRE Local Global Logo](//images.contentful.com/ie10uck62u5k/6dAEUy4z7ikaeISyYKOEQA/2c9088be752e50483c762ef08d40afd4/Tagline_We_re_Local_Global_with_Vertical_LeadingRE_Black_RGB_R.jpg)

![SWFLA PARIS CALI LOCAL GLOBAL](//images.contentful.com/ie10uck62u5k/3LVKM8qWuceusSWcCOyWaO/5ce992724d9df0e87c962f493472016b/SWFLA_PARIS_CALI_LOCAL_GLOBAL.jpg)
# LOCAL EXPERTISE.  GLOBAL CONNECTIONS.

## Down the street, across town, across the country or abroad

### We've Got You Covered


### LOCAL.

Buying a home in a new community can be exciting, and sometimes time-consuming and complicated.  Our goal is to provide you with objective, knowledgeable, unbiased information making the transition an easy one.

We start with a get-acquainted interview.  It goes a lot deeper than single family or condo living, price range and how many bedrooms are needed.  You will be asked about lifestyle and interests, family life, desired locations and communities and home style.  Why?  Because it's all about you.

Once your needs have been identified you will be "matched" with the VIP Realtor® best-suited to assist you with your home search ... one who has the know-how, dedication and experience it takes to produce the best results, while keeping your needs in mind.

### GLOBAL. 

VIP Realty is a long-standing member of  Leading Real Estate Companies of the World® (LeadingRE).  As an affiliate of LeadingRE we have access to the highest caliber of real estate professionals in over 55 countries and across six continents. 

When buying or selling property outside Southwest Florida, our world-class connections can help with your real estate needs throughout our continent and to points around the globe. 

Let us introduce you to a carefully selected sales associate that will provide you with extraordinary service — anywhere your real estate needs take you.  Our global network is comprised of the very best real estate companies and the most talented professionals in the world.  This level of service and quality is the reason why a meaningful introduction is made through our network every five minutes.

### CORPORATE RELOCATION.

If your firm has the desire to meet its relocation and recruiting needs by working with a team of professionals that is reliable and proactive, VIP can assist you with all your needs.

•	Home Finding

•	Home Marketing

•	Rental Assistance

•	Group Move Assistance

•	Area Packages

•	Area Tours

__Lisa Farrell-Sands__

__Broker of Record, VP of VIP Realty Group, Inc.__

📞  __239.489.1100__

📧  relo@viprealty.com

📍  __13131 University Drive, Fort Myers, FL, 33907, United States__

LeadingRE Local Global Logo

We help you move - across the street, town, country or abroad.

Relocation

# AIRPORTS

[__Everglades Airpark (X01)__](http://www.colliergov.net/Index.aspx?page=60)

[__Immokalee Regional Airport (IMM)__](http://www.colliergov.net/Index.aspx?page=59)

[__Marco Island Executive Airport (MKY)__](http://www.colliergov.net/Index.aspx?page=21)

[__Naples Municipal Airport (APF)__](https://flynaples.com)

[__Page Field General Aviation Airport (FMY)__](http://www.flylcpa.com/fmy/)

[__Punta Gorda Airport (PGD)__](http://www.flypgd.com/)

[__Southwest Florida International Airport (RSW)__](http://www.flylcpa.com)

# AUTOMOBILE REGISTRATION
<http://www.flhsmv.gov/html/titlinf.html)>

# BOAT REGISTRATION

<https://www.flhsmv.gov/safety-center/consumer-awareness/vessel-registration-titles/>


# BUS SERVICE

[__Collier Area Transit (CAT)__](http://www.colliergov.net/Index.aspx?page=88)

[__Greyhound Lines__](http://www.greyhound.com)

[__LeeTran (Lee County transit)__](http://www.rideleetran.com)

# COUNTY GOVERNMENT

[__Collier County Government__](http://www.colliergov.net)

[__Lee County Government__](http://www.lee-county.com)

# DRIVER'S LICENSE

<http://www.flhsmv.gov/ddl/geninfo.html>

# EDUCATION

[__Ave Maria University__](http://www.avemaria.edu)

[__Barry University__](http://www.barry.edu)

[__District School Board of Collier County__](http://www.collier.k12.fl.us)

[__Florida Gulf Coast University__](https://www.fgcu.edu)

[__Florida SouthWestern State College__](http://www.fsw.edu/)

[__Hodges University__](http://www.hodges.edu)

[__Nova Southeastern University__](http://www.nova.edu/sec/swflorida)

[__Rasmussen College__](http://www.rasmussen.edu/locations/florida/fort-myers/)

[__The School District of Lee County__](http://www.leeschools.net.)

# EMERGENCY MANAGEMENT

- [__Collier County__](http://www.colliergov.net/your-government/divisions-a-e/emergency-management)

- [__Lee County__](http://www.leegov.com/publicsafety/Pages/EmergencyManagement.aspx)

# FLORIDA HOMESTEAD EXEMPTION
<http://dor.myflorida.com/dor/property/taxpayers/exemptions.html>

# HOSPITALS

[__Health Management Associates Inc. (HMA)__](http://www.physiciansregional.net)

[__Lehigh Regional Medical Center__](http://www.lehighregional.com)

[__Lee Memorial Health System__](http://www.leememorial.org)

- Cape Coral Hospital
- Golisano Children's Hospital of SOuthwest Florida
- Gulf Coast Hospital
- Health Park Care Center
- Health Park Medical Center
- Lee Memorial Hospital
- The Rehabilitation Hospital

[__NCH Healthcare System__](http://www.nchmd.org)

- NCH Downtown Naples Hospital Campus
- NCH North Naples Hospital Campus

# PET LICENSING
- [__Collier County__](http://www.colliergov.net/your-government/divisions-a-e/domestic-animal-services/licensing-information)

- [__Lee County__](http://www.leegov.com/animalservices/licensing)

# PROPERTY APPRAISER OFFICES

Property Tax Disclosure

Buyer should not rely on the seller’s current property taxes as the amount of property taxes that the buyer may be obligated to pay in the year subsequent to purchase.

A change of ownership or property improvements triggers reassessments that could result in higher property taxes.

If you have any questions concerning valuation, contact the county property appraiser’s office for information.

[__Collier County__](http://www.collierappraiser.com)

[__Lee County__](http://www.leepa.org)

# PUBLIC LIBRARIES

- [__Collier County__](http://www.collierlibrary.org/)

- [__Lee County__](http://www.leegov.com/library)

# SHERIFF'S OFFICES

- [__Collier County__](http://www.colliersheriff.org/)

- [__Lee County__](http://www.sheriffleefl.org/main/index.php?r=crimeActivity/inmateIndex)

# TAX COLLECTOR OFFICES

[__Collier County__](http://www.colliertax.com/index.html)

[__Lee County__](http://www.leetc.com/taxes.asp?c=taxes)

# UTILITIES

- __Electricity__

  [__Florida Power & Light (FPL)__](https://www.fpl.com/)
  
  [__Lee County Electric Coop (LCEC)__](https://www.lcec.net/)
  
 - __Television/Telephone/Internet__

  [__Century Link__](http://www.centurylink.com/)
  
  [__DirectTV__](http://www.directv.com/)
  
  [__Dish__](http://www.dish.com/)
  
  [__Xfinity__](http://my.xfinity.com/?cid=cust)
  
- __Water & Sewer__

  [__Lee County Utilities__](http://www.leegov.com/utilities)
  
- __Garbage/Recycling/Yard Waste Collection __

  [__Collier County__](http://www.colliergov.net/your-government/divisions-s-z/utility-billing-customer-service/trash-collection)
  
  [__Lee County__](http://www.leegov.com/solidwaste)

# VOTER REGISTRATION

- [__Collier County__](http://www.colliervotes.com/)

- [__Lee County__](http://www.lee.vote/)




Relocation Guide

A real estate licensee is not automatically a Realtor®. A licensed real estate agent is only a Realtor® if the agent belongs to the National Association of Realtors®, the world’s largest professional association. The term Realtor® is a registered collective membership mark that identifies a real estate professional who is a member of the National Association of Realtors® and subscribes to its strict Code of Ethics.

### Commitment To The Code Of Ethics
REALTORS® avoid practices that may harm the public. REALTORS® do not exaggerate, misrepresent, or conceal facts related to property or transactions. REALTORS® protect and promote their clients’ interests and treat all parties fairly. REALTORS® represent themselves truthfully in advertising and other public forums. REALTORS® receive compensation from only one party, except where they make full disclosure and receive informed consent from their client. REALTORS® respect the exclusive, professional relationship that other Realtors® have with their clients. REALTORS® give equal professional service to all clients and customers regardless of race, color, religion, sex, disability, family status, or national origin. REALTORS® willingly participate in ethics investigations and enforcement actions.

### Save Time & Money
Working with a REALTOR® can save you time, money, and disappointment. When you enter into a contract with an associate, you have the security of knowing that your associate is legally representing you and acting in your best interest throughout the property transaction.

### Peace of Mind
Additionally, choosing to work with a real estate associate who is a REALTOR® can give you additional peace of mind. REALTORS® are more than licensed real estate professionals.

REALTORS® subscribe to the Code of Ethics and pledge to provide fair and ethical treatment to both buyers and sellers.

Definition of a Realtor

### TERMS OF CONDITION AND USE

Welcome to the VIP Realty Group, Inc. (VIP) Web site. VIP provides the VIP Web site (the "Web site") and related services to you ("User") as service of VIP subject to the following terms and conditions of use ("Terms and Conditions"). Please read the Terms and Conditions carefully before accessing or using the Web site.

By accessing or using the Web site, you agree to be bound by the Terms and Conditions. If you do not agree with the terms and conditions, you may not access or otherwise use the Web site.

### Privacy
Please review our Privacy Policy, which governs the protection and use of any personal information you may provide to us.

### Copyrights and Trademarks
Copyright of the material (including, but not limited to, software, web applications, text, photographs, maps or artwork) which appears on the Web site vests in VIP or in other entities where specified. Similarly, all trademarks on the Web site are the property(ies) of the respective owners.

### No Warranties
All information on the Web site is provide to Users on an "as is", "as available", and "believed accurate" basis without warranty of any kind either express or implied, including but not limited to the implied warranties merchantability, fitness for a particular purpose, non-infringement or availability. All information is subject to errors, or change or withdrawal without notice.

The ability to provide real estate related services or products, such as home mortgages and insurance, varies from state to state. Nothing contained herein should be construed as an offer of such services or products in any state where such an offer would be unlawful.

VIP does not warrant or make representations regarding the results that may be obtained by using the Web site or as to the reliability, accuracy or currency of any information, content or service acquired by use of the Web site. Listings may be withdrawn from the market at any time and are subject to errors, omissions, and prior sale or rental without notice.

VIP does not warrant that the Web site, its servers, or e-mail transmitted by VIP are free of viruses or other harmful components. Content may be updated, changed, modified, or withdrawn at any time. Use of the Web site and the Content is at your sole risk. Neither VIP, its Content providers, or any person involved in the creation, production, distribution of this Web site warrant that the functions contained in this Web site will be uninterrupted or error-free, that defects will be corrected, or that the server that makes the Content available will be free of viruses or other harmful components.

### Limitation of liability
VIP, its licensees, directors, officers, employees, agents, vendors, and suppliers shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of the Web site or the Listings, even if VIP has been advised of the possibility of such damages.

### Indemnification
You agree to indemnify, defend and hold harmless VIP, its licensees, officers, directors, employees, affiliates, and agents, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from your violation of these Terms and Conditions.

### Third Party Rights
These Terms and Conditions are for the sole benefit of VIP, its licensees, its officers, directors, employees, affiliates, and agents. No other person, including any user of the Web site, shall have the right to assert a claim under these Terms and Conditions.

### Modifications to Terms of Use and Content
VIP reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms and Conditions at any time. By using the Web site after VIP has posted notice of such modifications, alterations or updates, you agree to be bound by such revised Terms and Conditions. In addition, VIP reserves the right to make improvements and/or changes in the Content of the Web site at any time.

### Violations of Terms and Conditions of Use
VIP reserves the right to seek all remedies available at law and in equity for violations of the Terms and Conditions set forth in the Web site, including the right to block access from a particular Internet address to the Web site. You agree that in the event the damages of a violation of these Terms and Conditions are difficult to determine, VIP shall be entitled to $20,000 as liquidated damages for each violation of these Terms and Conditions, in addition to the right to block your access to the Web site and to seek injunction relief.

### Linked internet sites
As a customer service, VIP offers links to other sites. VIP does not assume any responsibility for those sites or their privacy policies and provides those links solely for convenience of VIP's visitors. If you link to any other sites, you must do so at your own risk and may rely only on their terms and conditions and privacy policies. The inclusion of any link does not imply a recommendation or endorsement by VIP of the linked site.

### Arbitration and General Provisions
Any claims relating to the Web site must be brought in the state or federal courts of the State of Florida and Collier County and shall be governed by the laws of the State of Florida, without regard to conflict of laws. non-personally identifiable basis and in a manner that may allow us or our affiliated or related entities, third party content suppliers, or licensees to improve services to you.

Terms of Condition and Use

VIPREALTY.COM (referred to herein as "VIP," "we" or "us" or "our") is committed to protecting the privacy of the users of the Web site. This statement discloses our privacy practices. The purpose of this statement is to inform you: What kinds of information we collect from users of the VIP web site at (the "Web site") and how such information is collected; â€¨How the information is used by us; â€¨Whether we disclose any user information to third parties; â€¨How you can access, update or delete any information that we collect about you; and â€¨The security procedures which we use to protect your personal information.

By using the Web site, you signify your assent to this Privacy Policy. We reserve the right to change, modify, add, or remove portions of our Privacy Policy at any time. If so, any such changes will be posted on this page. Please check this page periodically for changes. Your continued use of the Web site following the posting of changes to this Privacy Policy will mean you accept those changes.

### How we collect information
Generally, you can visit the Web site without revealing any personal information. Like many Web sites, our Web servers collect the Internet Protocol addresses, but not the e-mail addresses, of visitors. This information can measure the number of visits, average time spent on the site, pages viewed, and other such statistics.

In addition, in order for us, our third party content suppliers, or licensees to provide certain services to you, you may be asked for information that identifies you, including your name, e-mail address, mailing address, zip code, telephone number, fax (collectively, "Personal Information"). You may also elect to provide such information to us by sending or responding to e-mails regarding certain listings or services offered on the Web Site, our third party content suppliers, or licensees. VIP, as a customer service, offers links to other sites, and does not assume any responsibility for those sites or their privacy policies and provides those links solely for convenience of VIP's visitors. If you access any of these other sites, you must do so at your own risk and may rely only on their terms and conditions and privacy policies.

### How we use and disclose your information
We collect, generate, retain and use your Personal Information for our own internal purposes in connection with the facilitation, recording and processing of any requests, communications, or interactions you may have with the Web site. We also collect and store statistics and other information about you and your online activities on an aggregated, non-personally identifiable basis and in a manner that may allow us or our affiliated or related entities, third party content suppliers, or licensees to improve services to you.

Your Personal Information may be also be used by us to provide you with information regarding our products and services. For example, we may use your e-mail address to send you special announcements and notifications of new real estate listings, services or promotions that may be of interest to you.

Your Personal Information may be released when you consent or direct VIP to share the information.

VIP also reserves the right to share your Personal Information in the event of a legal obligation to do so for protection from harm. We may release your Personal Information when VIP has a good faith belief that access, use, preservation or disclosure of the personal information is reasonably necessary to (a) satisfy any requirement of law, regulation, legal process, or enforceable governmental request, (b) enforce or investigate a potential violation of the Terms of Use, (c) detect, prevent, or otherwise respond to fraud, security or technical concerns, or (d) protect the rights, property, or safety of VIP, its users, or the public against harm.
When and if VIP is involved in a merger, acquisition, or any form of sale of some or all of its business, personal information may be transferred along with the business.

We may share with third parties aggregate information or information that does not personally identify individuals.

### Cookies
Cookies are small pieces of information that are stored by your browser on your computer's hard drive. Cookies allow Web sites to recognize you when you return and can keep track of information specific to you.

We use a programming tool that uses a temporary cookie to save persistent information on a per session basis. These temporary cookies are discarded as soon as you close your browser. This is a common way of saving persistent data in a Web application. We do not presently use cookies, temporary or permanent, to track users across multiple visits.
In addition, consistent with standard practices in the Internet industry, you may occasionally receive cookies from third parties to which you link from our Web Site. We do not control these third party cookies, and they are not subject to this Privacy Policy. If you prefer, you may set your browser to ask for your permission before your receive a cookie.

### Information sharing and disclosure
Information about our customers is important to our business, and we are not in the business of selling it to others. We share customer information only with our related or affiliated entities.

### Data Security
Data security is critical to us and thus all Personal Information is held in a secured database. While it is impossible to guarantee the complete security of any computer system and the data contained therein, we maintain and implement robust security policies and procedures that combine with available technologies in accordance with prevailing industry standards, all of which are designed to protect the confidentiality, integrity, and availability of your Personal Information.

Privacy Policy

Buying a home demands an informed decision. You can count on your __REALTOR®__ to provide the guidance you require.

- A __REALTOR®__ can help determine how much you can afford to spend for a home. Often a REALTOR® can suggest ways to accrue the down payment and explain alternative financing methods.
- 
- A __REALTOR®__ can tell you what personal and financial data is required when applying for a loan.  
- 
- A __REALTOR®__ is familiar with current real estate values, taxes, utility costs, municipal services and facilities, and may be aware of local zoning changes that could affect your decision to buy. 
- 
- A __REALTOR®__ can usually research housing needs in advance through a Multiple Listing Service — even if you are relocating to another city. 
- 
- A __REALTOR®__ can help familiarize you with the closing process. 
- 
- A __REALTOR®__ can show you the homes that best meet your needs -- size, style, features, location, accessibility to schools, transportation, shopping, and other personal preferences. 
- 
- A __REALTOR®__ often can suggest simple, imaginative changes that could make a home more suitable for you and improve its utility and value. 
- 
- A __REALTOR®__ is bound and obligated by the Code of Ethics to give fair treatment to all parties in the transaction. 
- 
- A __REALTOR®__ is sensitive to the importance of this major commitment you are about to make. You can depend on the real estate professional to facilitate negotiation of an agreement satisfactory to both seller and buyer. 

If you see a home as one of your most important investments, the REALTOR® you work with could be one of your most valuable resources. As a homebuyer, you can expect the commitment, integrity, and expertise that you’ll find in REALTORS®. It is the business of a REALTOR® to work with you by understanding your home buying needs and showing you properties that fit your lifestyle and budget. 

__VIP Realty Group, Inc.__ 
A Place Where The Customer Is Always First!

Working with a Realtor

### Finances
Evaluate your budget - know what you want to spend for a downpayment as well as monthly expenditures. Obtain mortgage pre-approval.

### Life Styles
Prioritize your needs – location, space, schools, shopping, conveniences and amenities.

### Neighborhoods
Explore various neighborhoods.

### Timing
Identify your timeline for moving. Contact a mover, utility companies, etc.

### Know Your Purchasing Power
There are two types of costs incurred when buying a home. Monies needed for the initial purchase. (Down payment, inspection fees, taxes and attorney or administrative fees). And Ongoing costs of mortgage payments, insurance, and property taxes. Lenders assess the ability to purchase by using formulas to determine payment capabilities. You can determine what you can afford before you begin the purchase process. Knowing what you can afford will help ensure that you are looking at homes in your price range and that you can make an offer, when you find your dream home. To estimate the price range you can afford, determine the amount of money you have available for a down payment.

Planning for a Purchase

### Fixed Rate
The most common mortgage is a fixed-rate mortgage. These loans feature fixed rates and monthly payments, generally for 15 and 30-year periods.
Homeowners like these loans because House payments do not rise and fall with the economy. Whenever rates are low, fixed-rate mortgages are very affordable.

### Advantages Of Fixed Rate Mortgages (30 Year)
Offers borrowers the chance to borrow money on a long-term basis without having to worry about the interest rates or payments changing. Monthly payments are lower than those on 15-year loans because the interest is amortized over a longer period. Lower monthly payments free up money that borrowers can use for investments that yield more than their homes. Higher interest bill increases the amount consumers can deduct at tax time, potentially reducing or eliminating their federal income tax liability.

### Advantages OF Fixed Rate Mortgages (15 Year)
Borrowers build equity much more quickly due to shorter amortization schedules. Overall interest bills are dramatically lower than those on longer-term loans. The interest rates are lower than 30-year loans.

### Adjustable Rate Mortgages
Adjustable-rate mortgages, or ARMs, differ from fixed-rate mortgages in that the interest rate and monthly payment move up and down as market interest rates fluctuate. Most have an initial fixed-rate period during which the borrower’s rate doesn’t change, followed by a much longer period during which the rate changes at preset intervals. Rates charged during the initial periods are generally lower than the rates found on comparable fixed-rate mortgages. The initial fixed-rate period can be as short as a month or as long as 10 years. One-year ARMs are the most common.

ARMs — sometimes referred to as 3/1, 5/1, 7/1 or 10/1 loans — have fixed rates for the first three, five, seven or 10 years, followed by rates that adjust annually thereafter. After the fixed-rate period of time, an ARM’s rate fluctuates at the same rate as an index spelled out in closing documents. The lender finds out what the index value is, adds a margin to that figure, then recalculates what the borrower’s new rate and payment will be. The process repeats each time an adjustment date rolls around.

Most ARM rates are tied to the performance of one of three indexes: The weekly constant maturity yield on the one-year Treasury Bill. The yield debt securities issued by the U.S. Treasury are paying, as tracked by the Federal Reserve Board. The 11th District Cost of Funds Index (COFI) The interest financial institutions in the western U.S. are paying on deposits they hold. The London Interbank Offer Rate (LIBOR) The rate most international banks are charging each other on large loans. Borrowers have some protection from extreme changes because ARMs come with caps. These caps limit the amount by which ARM rates and payments can adjust.

Types of Mortgages

### Gross Debt
Usually a lender will not allow your monthly housing expenses (mortgage payment and taxes), plus condominium maintenance fee, if applicable, to exceed 30% of your monthly gross family income. (Gross Debt Service Ratio -GDS) Some lenders will allow up to 35% GDS, depending upon other variables.

### Total Debt
Lenders also review Total Debt Service Ratio (TDS). When using this calculation, a maximum of 40% of your gross family income may be used to determine the amount you can afford to pay for mortgage payments, taxes and other fixed monthly expenses. Other fixed costs are auto loans, personal loans, revolving charge accounts and department store accounts. Note: This calculation may vary depending on the lender and other variables.

A real estate professional can help you estimate the taxes for the home you are purchasing. Deduct the monthly tax and you will be able to determine how much you can afford to spend for housing costs each month.

[Calculate your buying-power, now!][1] 

[Rent vs. Buy Calculator][2]

### Frequently Asked Questions
__Q. Should I Review My Credit Report Before Looking For A Home?__
A. Yes, review your credit report and ensure that the information recorded is accurate.

__Q. What Should I Do If There Is An Error On My Credit Report?__ 
A. The credit reporting agency provides specific details to help you resolve any issues.

__Q. What If I Have A Lot Of Credit Card Debt?__ 
A. The amount of outstanding long-term debt you owe will influence the loan amount.

__Q. What If I Have Late Payments?__ 
A. It is possible to explain the cause of late payments.

__Q. Is There Such A Thing As Having Too Much Credit? __
A. Yes, a large number of unused lines of credit cards can harm your rating.

__Q. Should I Be Concerned About Applying For Credit Too Often? __
A. Yes. Lenders keep track not only of how much credit you have, but how often you apply.

__Q. What If My Loan Application Is Rejected? __
A. Your mortgage broker and your real estate professional can assist with this issue.


[1]: http://www.calcxml.com/calculators/home-affordability?skn=221
[2]: http://www.calcxml.com/do/hom06?skn=221

Qualifying for a Mortgage

1. Remove unnecessary items from your attic, basement, storage shed etc.
2. Use things you can’t move, such as frozen foods and cleaning supplies.
3. Obtain information about your new community.
4. Secure a floor plan of your new residence and decide what household items you want to keep.
5. Start a possessions inventory.
6. Request estimates from at least three moving companies.
7. Contact your homeowners insurance agent to confirm coverage.
8. Create a file for documenting all moving papers and receipts.
9. Arrange to transfer your children’s school records, if applicable.
10. Contact the IRS and/or your CPA for tax-deductible information.
11. Evaluate your possessions inventory. Can you donate anything? Do you need it all?
12. Notify your friends, relatives, professionals, creditors, subscriptions, etc.
13. Subscribe to a local paper in your new community and familiarize yourself with local government, community, and social news and activities.
14. Locate high-quality health-care professionals and hospitals in your new location.
15. Complete a change of address via post-office cards or an online service for the following: Banks; Charge cards; Religious organizations; Doctors/dentist; Relatives and friends; Income tax bureau/Social Security Administration/union; Insurance broker/lawyer/CPA/ stockbroker; Magazines; Post office; and Schools.
16. Clean closets.
17. Hold a moving/garage sale or donate items to charities.
18. Select a mover.
19. Contact your mover to make arrangements and inquire about insurance coverage.
20. If relocating due to a job, contact your employer to see what costs, if any, they will cover.
21. Start packing!
22. Send furniture, drapes and carpets for repair/cleaning as needed. Gather auto licensing and registration documents, medical, dental and school records, birth certificates, wills, deeds, stock and other financial documentation, etc.
23. Contact gas, electric, oil, water, telephone, cable TV, and trash collection companies for service disconnect/connect at your old and new addresses. Also ask for final readings.
24. Request refunds on unused homeowner’s insurance, security deposit with landlord, and prepaid cable service.
25. Contact insurance companies (auto, homeowner’s, medical, and life) to arrange for coverage in your new home.
26. Make your travel plans.
27. Arrange to close current bank accounts and open accounts in your new locale.
28. Notify your state’s Motor Vehicle Bureau of your new address.
29. Arrange for childcare on moving day.
30. Arrange special transport for your pets and plants.
31. Service your car for the trip.
32. Contact your moving company and review arrangements for your move.
33. Prepare detailed directions and an itinerary with emergency numbers for your moving company.
34. Settle outstanding bills with local retailers.
35. Pick up dry cleaning, and return library books and rented videotapes.
36. Take pets to the veterinarian and get copies of their records.
37. Drain gas and oil from power equipment.
38. Give away plants not being moved.
39. Cancel newspaper delivery.
40. Buy two-weeks worth of medication and have your prescriptions forwarded to your new pharmacy.
41. Buy traveler’s checks.
42. Make arrangements to pay for your move.
43. If you’re not doing it yourself, have your mover pack.
44. Defrost refrigerators and freezers.
45. Consider gathering all valuables and giving them to family or friends to hold until the move is completed.
46. Disconnect all major appliances.
47. Contact your moving company for any updates.
48. Pack first-night items and a survival kit. Keep them in separate boxes in your car.
49. First Night Items: Sheets, towels, toiletries, phone, alarm clock, change of clothes, and flashlight.
50. Mover’s Survival Kit: Scissors, utility knife, coffee cups, instant coffee/tea or a coffee maker, water and soft drinks, snacks, paper plates, plastic utensils, paper towels, toilet paper, soap, pencils and paper, local phone book, masking and/or duct tape, trash bags, shelf liner, and aspirin or ibuprofen.
51. Be home to answer any questions your mover may have
52. Record all utility meter readings (gas, electric, and water).
53. Stay until your movers are finished.
54. Complete information on the bill of lading and carefully read the document and the inventory sheet before signing it.
55. Keep your copies of the bill of lading and inventory until your possessions are delivered, the charges are paid, and any claims are settled.
56. Take one final look around to see if you forgot anything.
57. Give movers the directions to your new home, and an emergency number where you can be reached during the move.
58. Unpack first-night items and mover’s survival kit.
59. Be at the destination to welcome the movers and be on hand to answer any questions.
60. After the job is completed, pay what is owed. The driver is obligated by law (a Federal requirement for interstate moves) to collect payment upon delivery.
61. Scrutinize the unloading of your items and account for each one on your inventory sheet.
62. Check promptly and carefully for any damaged or missing items.
63. Place moving and other important documents in a safe place.
64. Go to the post office and collect held mail.

Preparing for your move

### Activity And The Number Of Weeks On The Market
Timing is very important in the sale of property. A property attracts the most attention, excitement and interest from the real estate community and potential buyers when it is first introduced in the marketplace. Placing your property on the market at the right price is one of the most important selling features.

The importance of Timing

Let VIP Realty Group Make A Difference! When you select a VIP Realty Group Associate to represent you — you’ve selected the best! VIP Sales Associate Mission Maximize the financial well-being of sellers and the quality of life for the buyers. Find your Realtor through our agents directory or Visit one of our offices today.

### Expert Guidance
Selecting A Real Estate Associate To Represent You Your Sales Associate provides many services as well as being your expert advisor. VIP Sales Associates are there to guide you through the entire process.

### Security
When the property is marketed with VIP, you do not have to allow strangers into your home. Associates prescreen and accompany qualified prospects to and through your property.

### Negotiating
The negotiation process deals with many of the same issues for both buyers and sellers. Your Associate can help you objectively evaluate every buyer’s proposal without compromising your marketing position. This initial agreement is only the beginning of a process of appraisals, inspections, and financing - many things that your Associate will assist with. Your Associate can help you write a legally binding, win-win agreement that will be more likely to be accepted without issues.

### Monitoring, Renegotiating and Closing
Between the initial sales agreement and closing (or settlement), questions, or issues may arise. The required paperwork alone is overwhelming for most sellers. Your Associate is the best person to objectively help you resolve these issues and move the transaction to closing (or settlement).

__Real Estate Professionals Are The First Contact For BUYERS!__

Selecting an Agent

Under the laws of the state of Florida, there are specific charges that relate to the closing of Real Property. The charges identified below are found on the closing statement.

### Expenses Paid By The Seller
- State Documentary Stamps
- Recording Fees
- Intangible Tax
- Deed Preparation
- Title Insurance
- Real Estate Commission
- Pro-rated Taxes
- Pro-rated Maintenance Fees
- Attorney Fees
- Balance of Existing Mortgage
- Termite Damages
- Postal Fees Expenses Paid By The Buyer
- Recording the Deed
- Pro-rated Taxes
- Survey Fees
- Insurance
- Condominium/Association Transfer Fees
- Postal Fees
- Title or Abstract Insurance

*Additional Expenses Incurred By Buyers Obtaining A New Mortgage*
- Loan Origination Fee
- Intangible Tax
- Documentary Stamps
- Recording Fees
- Credit Report
- Lenders Attorney Fees
- Appraisal Fees
- Mortgage Title Insurance

Overview of Expenditures

The independence of homeownership is as American as the right to life, liberty, and the pursuit of happiness. In order to realize this dream, buyers must be qualified to obtain financing. Several different programs support different needs. At times, sellers may participate by paying some closing costs for the buyer. At VIP, your real estate professional will guide you through this process.

### Types of Available Financing
All
Cash
Conventional
FHA–VA
Seller Participation
No Money down – Low Interest
Percentage of Prospective Buyers Who Can Purchase Your Home

Increasing your selling power

Your home has just one chance to make a great impression with each potential buyer. And it can! The following tricks of the trade will help you keep track of what needs to be done. The whole idea is to present a clean, spacious clutter-free home — the kind of place you would like to buy. Accomplish a little every day, and before long, your home will be ready to make the impression that can make the sale.

### Your Home’s Curb Appeal
- Mow Lawn
- Trim shrubs
- Edge garden and walkways
- Weed and mulch
- Sweep walkways and driveway, remove branches, litter or toys
- Add color and fill in bare spots with plantings
- Remove mildew or moss from walls or walks with bleach and water or other cleaner
- Clean and repair patio and deck area
- Remove any outdoor furniture not in good repair
- Make sure pool or spa sparkles
- Replace old storm doors
- Check for flat-fitting roof shingles
- Repair broken windows and shutters, replace torn screens, make sure frames and seams have solid caulking
- Hose off exterior wood and trim, replace damaged bricks or wood
- Touch up exterior paint, repair gutters and eaves
- Clean and remove rust from any window air conditioning units
- Paint the front door and mailbox
- Add a new front door mat and consider a seasonal door decoration
- Shine brass hardware on front door, outside lighting fixtures, etc.
- Make sure doorbell is in good working order General Interior Tips
- Add a fresh coat of interior paint in light, neutral colors
- Shampoo carpeting, replace if necessary
- Clean and wax hardwood floors, refinish if necessary
- Wash all windows, vacuum blinds, wash window sills
- Clean the fireplace

Preparing your home

VIP Realty Group understands the importance of creating a marketing plan that is effective and commands results.

Marketing includes the exposure of your property to other Real Estate Associates and the public. Your Listing Associate acts as the marketing coordinator, disbursing information about your property to other Real Estate Associates, through a Multiple Listing Service and other cooperative marketing networks, through open houses for Associates, open houses for buyers, through personal and business contacts, direct mail, media, and targeted publications.

### Choice of Media
The choice of media and frequency of advertising depends on the property and specific market. For example, in some areas, newspaper advertising generates phone calls to the real estate office, but statistically has minimum effectiveness in selling a specific property. Overexposure of a property in any media may give a buyer the impression the property is distressed or the seller is desperate. Your Real Estate Associate is an expert and will know when, where, and how to advertise your property. At VIP, we have an in-house marketing department that works with Associates to develop the best marketing plans to advertise and sell your property.

### Developing A Targeted Marketing Plan
VIP includes the following when preparing your specialized marketing plan:

- Develop a marketing plan to meet your individual wants and needs.
- Present ideas that will make your home more marketable.
- Enter your home in the Multiple Listing Service and VIPREALTY.COM immediately upon listing.
- Promptly advise you of trends affecting the marketing strategy of your home.

__Real Estate Professionals Are The Key Source Of First Contact for Home Buyers__
- Real estate agent: 89%
- Yard sign: 51%
- Mobile of tablet website or application: 45%
- Open house: 45%
- Mobile or tablet search engine: 42%
- Print newspaper advertisement: 23%

### Cooperating Sales Offices and Associates
Being one of the largest independently-owned real estate companies in Southwest Florida helps ensure that other Associates and offices are knowledgeable about your property, and that they are actively working to help bring qualified buyers.

### Internet Marketing
Upon listing your home with VIP, it can be previewed on the following sites:

- __viprealty.com__ – The VIP Realty-owned site
- __realtor.com__ – The National Association of Realtors and Move, Inc. site
- __floridalivingnetwork.com__ – The Florida Realtors Site
- __leadingre.com__ – Leading Real Estate Companies of the World site
- __VIP Associate personal websites__
- __luxuryportfolio.com__ - The luxury site of Leading Real Estate Companies of the World features properties listed at $1 million and above
- __mayfairinternationalrealty.com__ - The Mayfair International site

### Corporate and Classified Advertising
Information regarding your home will be placed in highly targeted newspapers and publications throughout the area.

### For Sale Signs
A For Sale Sign is an important tool for advertising and marketing your home. 51% of all real estate sales come from buyers who are attracted to homes displaying signs.

### Direct Mail
Spreading the word that your home is for sale is important. A great way to get off to a fast start is to let people in your neighborhood know that your home is for sale. Your Listing Associate will work with the marketing department to develop a targeted direct mail program. This program could include, flyers, post cards, and other lead generating promotions.

### Open House Initiatives
Listing Associates will conduct previews of your property for other Real Estate Associates and potential buyers. These previews are advertised in the applicable publications and provide a great venue for letting potential buyers tour your home.

The REALTOR® Code of Ethics requires REALTORS® to utilize cooperative relationships when they benefit their clients.

Marketing your property

Setting the right price before you list is critical to getting the most for your home and selling it quickly. Having a professional with experience in your neighborhood prepare a __Competitive Market Analysis (CMA) __gives you the facts and insights to set the right price.

### Determining the Value of Your Home
Location and characteristics are the key elements of determining value. The CMA provides a comparison that identifies the similar properties in your area and what they were listed and sold for. The Competitive Market Analysis will help you and your real estate professional determine the price that will attract a willing and qualified buyer.

__The following are important to remember when pricing your property:
__
- Market determines price.
- Realistic pricing can decrease time on the market.
- The costs of improvements usually are more than the added value.
- Houses on the market, for an extended period due to unrealistic pricing are not shown by other Associates.
- Pricing Your Home At A__ Fair Market Value__ Brings The __Highest Proceeds__.

Competitive Market Analysis

More buyers purchase properties at market value than above market value. The percentage increases as the price falls further below market value. Property that is priced at market value has a greater percentage for exposure and decreased time on the market.

### Percentage of Buyers Responding
Listing at the right time, at the right price helps ensure a timely sale Listing Price Percentage of Buyers Responding

Competitive Pricing

### Commission Structure
We believe in rewarding hard work and diligence, wherein producing agents receive more net than with any other company, without the risk. While we have several programs available, the theme is simple… no hidden costs or agendas and no “nickel & dime” approach. We believe our responsibility as a company is to provide the facilities, supportive environment, recognition and compensation for our agents to be the best they can be, so our system is inclusive. You’ll be amazed at your return on investment. You can earn as much as 95% in your pocket with relative ease, and NO DESK FEES.

### Recognition
VIP rewards our agents with monthly, quarterly and annual recognition programs to allow your peers to celebrate your successes and let the marketplace know the quality of your work and your dedication to professionalism. We also offer business opportunities to you personally as you reach your goals. VIP believes in WIN/WIN!

Commission Structure

VIP Realty Group, Inc. is priviledged to offer __in-house expertise __to our agents in mortgages and title services.

If you are in need of ancillary services, we have them all. The concept is simple... Our __mortgage and title services__ are lead by __top professionals__ in their respective fields, dedicated to delivering the __best rates and terms__ and highest level of service possible, which we achieve through carefully controlled overhead. You reap the rewards of extreme customer satisfaction. These services are here as just that... services. 

Again, there are __no hidden fees__. Our in-house mortgage and title companies are in place solely to __serve VIP clients__. You know you are doing things right when agents from other companies rave about the service.

Agent Services

While each of our office locations offer __state-of-the-art__, multi-million dollar __facilities__, this becomes more than just bricks and computers. Our agents are carefully supported in their efforts by our highly trained, __experienced management__ and staff.

As a VIP Realty Group, Inc. agent, you have the advantage of __hands-on assistance 24/7__ by your managers when you need it. They utilize our tremendous __technology__ to help you analyze and understand your own business to discover new and better avenues for success, which they review with you quarterly, or more often if necessary. 

Your management team will __bring your numbers to the table__, so you can spend your time listing and selling. To have management exhibit our core values by working with you to your best success, is a certain advantage of an association with VIP.

Ours is not a static list of amenities, but rather a fluid, __constant evolution__ of offerings to our agents. We are a leading edge in the real estate profession, and always seek the most current, best practices in pursuit of our VIP Mission Statement. 

Offices and Amenities

Our marketing support stands heads above the rest.

Like so many of our tools and systems, our marketing tools and printing facilities are web based, so you can utilize them 24/7. Our marketing website offers multitudes of professionally designed postcards, property brochures, advertisement templates and more. Most can be customized to suit your needs and direct mail is a breeze. Totally custom creations are also available. Our company generated Buyer and Seller presentations will impress your prospects.

As marketing becomes increasingly interactive, VIP Realty Group, Inc. has greatly improved it's online presence. VIPREALTY.COM is a global platform to highlight you as an agent and market your listings. The award-winning design is the best in the region and the tools it provides you and your clients are integral to your marketing success. Not only will your listings be highlighted on our company website, but also our affiliates throughout the world.

Marketing Department

### Internet
As experienced Realtors know, most real estate events begin on the internet. WWW.VIPREALTY.COM is a fully mapped and interactive site containing over 3 million residential, commercial and rental properties worldwide.

Each agent and each of the listings have their own website! Inquiries are answered __live 24/7__, on 239-244-2147, as well as on email! Our website is unparalleled in the country.

### Technology
VIP Realty Group, Inc. is committed to top of the line technology. Our agents enjoy the assistance of a fully staffed __IT Department__, who will get you up and running with our tools and systems pronto! Within hours, you will have your passcodes, email, telephone, personal fax, toll-free numbers, web page and more... all ready to hit the ground running! 

If you work on a laptop, all our offices are wireless and you’ll have an instant connection when you walk in the door, including the network of printers. Plus, our network supports Smartphones, so you can have real time access to the web and your VIP email!

Internet and Technology

__“VIP is about great people coming together to help each other succeed.”__

Our business is driven by our consumer focus, creativity, resourcefulness and entrepreneurial spirit. VIP Realty Group, Inc. is committed to ensuring this driving force through our state-of-the-art __facilities__, caring __management team__, employee accomplishment __recognition__ and __reward compensation__ programs. 

Our culture is __educationally__ based. We believe everyone should continue to learn, and we learn from each other. This overriding philosophy values the input of everyone. Understanding that great ideas can come from anywhere, our Advisory Councils are VIP’s avenue for __agent input__ on important policy decisions. 

This philosophy guides us even to the physical design of the offices. We have an __open environment of trust__. We believe in the integrity of every member of the Team, and that together, we can accomplish anything.

### Locally owned. Internationally known.
While we are a __locally owned, independent__ chain of companies that employ the advantages of turn-on-a-dime decision making relative to our southwest Florida marketplace, we also enjoy the advantage of __International Exposure__ via our affiliations with __LEADING REAL ESTATE COMPANIES OF THE WORLD__, __LUXURY PORTFOLIO INTERNATIONAL__ and __MAYFAIR INTERNATIONAL REALTY__. 

We are a group of offices serving __Lee and Collier__ counties, each office operates with a great degree of autonomy in order to professionally reflect the needs of the individual marketplaces they serve. What may work beautifully on Sanibel may not be the best practice in Fort Myers. 

As an independent, locally owned company, we have the freedom to set our __own policies__ and create __unique marketing plans__ in an immediate response to the ever-changing real estate markets. VIP systems are designed to __maximize your career potential__. We have marvelous __lead generating__ opportunities, many of which are unique to our company.

Our Values

VIP Realty Group, Inc.'s Relocation & Global Referrals Department is a tremendous source of __company generated leads__.

Many agents ask __how referrals are assigned__ within the company. Experienced agents know this process is not always advantageous to all the agents equally in many companies. True to our philosophies, these leads are assigned __utilizing our professional knowledge__ and experience. 

After you complete __relocation specialist training__, you are asked to fill out a detailed biography highlighting all the attributes you bring to the business, including past careers, languages spoken, hobbies, whatever may __qualify__ you as the __most likely to succeed__ with a particular piece of referred business. It is on this basis that referrals are distributed…because it just makes sense. Our relocation department __assists you every step of the way__ in ensuring your success. Every agent at VIP is the “favorite.”

Relocation & Global Referrals Department

*(To Comply with Federal Law)*

This is to give you notice that VIP Realty Group, Inc. has a business relationship with the following companies: Title Group Services, LTD. #A265826 and Mortgage Group Services LLC NMLS#377302. The nature of the relationship made by the companies is provided here in.

__Title Group Services, LTD. #A265826__ provides title insurance policies, title examinations, and closing services. VIP Realty Group, Inc. and certain members of its management and sales team are stockholders in Title Group Services, Ltd. and may receive a return on their investment as stockholders.

The State of Florida Department of Insurance sets the minimum rates for title insurance. Title Group Services, LTD. #A265826 fees are in accordance with those rates. Other related charges would be based upon the actual services selected by you and your lender, if any.

__Mortgage Group Services LLC NMLS#377302__ provides the services of mortgages and brokers them to financial institutions. Mortgage Group Services LLC NMLS#377302 is a subsidiary of VIP Realty Group, Inc.

Rates offered by Mortgage Group Services LLC NMLS#377302 are competitive in the Southwest Florida market. See Good Faith Estimate and itemized costs when applying for a loan. A lender is allowed to require the use of an attorney, credit reporting agency or real estate appraiser chosen to represent the lender's interest.

We do not require that you use Title Group Services, LTD. #A265826 or Mortgage Group Services LLC NMLS#377302 as a condition for closing on the subject property. The rates for these services may vary with other settlement providers; however, we believe that our companies can out perform their competitor in efficiency, accuracy and personal service.

Affiliated Business Disclosure

Charlie Ashby

President, VIP Realty Group, Inc.

☎️  239-470-6600
📧  CharlieAshby@viprealty.com

Jim Hall - resize


Owner, Managing Partner, Sanibel/Captiva

Jim gradated from Boston College in Chestnut Hill, MA earning a Bachelor of Arts and Sciences in Economics. He attended Harvard University Graduate School in Cambridge, MA concentrating in Land Disposition and Development. Since completing his education, Jim has been selling and managing Real Estate full time. Within his first 2 years of selling Real Estate, Jim became the top sales associate, from over 100 candidates, of Century 21 Westward Homes in Wellesley, MA.

After moving to Sanibel in 1989, he obtained his Florida Real Estate Sales Person license, followed by his Florida Broker's license in 1992. Jim has attended over 800 hours of supplementary real estate schooling and seminars. He was awarded the prestigious "CRS" and "CRB" designations signifying his commitment to education as a Certified Residential Specialist and Certified Residential Broker. In addition, he obtained the "GRI" designation making him a member of the Graduate Real Estate Institute.

Jim has been managing VIP Realty's Sanibel and Captiva offices since 1993. Under his leadership, VIP has grown to 3 island offices and the top selling Real Estate company on the islands with an impressive 39% market share in closed sales. He is very involved in the community. He is the former Vice Chairman of the Sanibel Captiva Chamber of Commerce. He is currently a Trustee for The Canterbury School in Fort Myers and a Director for the Sanibel & Captiva Board of Realtors. Jim lives on Sanibel with his wife Karen and three children.

☎️  239-472-5187
📧  JimHall@viprealty.com

Jim Hall

Vice President of Title Group Services

As VP, Title Group Services, Renae Henry is a customer driven and service oriented company leader. Renae has played a significant role in ensuring that Title Group Services is the best in providing Title Insurance, Escrow, and Real Estate Information in Southwest Florida. Renae’s broad-based knowledge of the real estate industry spans over an illustrious career in which she has continually earned accolades for outstanding accomplishments. Her marketing skills are top notch and she exudes professionalism and integrity.

Over the years, Renae has worked with the region's most successful real estate agents providing them with high quality timely service for each of their customers. She has built a winning team dedicated to excellence. Renae and the Title Group team realize that each client is unique, whether a first-time homebuyer or a seasoned investor, and they give attention to the details of each transaction. Every customer receives personal attention to each detail of the settlement process.

Renae has created and maintained a reputation for being among the best in the business due to her integrity, knowledge and capabilities with her clients, customers and peers.

☎️  239-489-0102
📧  rhenry@titlegroupservices.com

Renae Henry

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a. A description of the copyrighted work or other intellectual property that you claim has been infringed;

 
b. A description of where the material that you claim is infringing is located on the Site;
 
c. An address, a telephone number, and an e-mail address where VIP Realty Group, Inc. can contact you and, if different, an e-mail address where the alleged infringing party, if not VIP Realty Group, Inc. can contact you;
 
d. A statement that you have a good-faith belief that the use is not authorized by the copyright or other intellectual property rights owner, by its agent, or by law;
 
e. A statement by you under penalty of perjury that the information in your notice is accurate and that you are the copyright or intellectual property owner or are authorized to act on the owner's behalf;
 
f. Your electronic or physical signature.
 
VIP Realty Group, Inc. may request additional information before removing any infringing material.
 
VIP Realty Group, Inc. may provide the alleged infringing party with your e-mail address so that that person can respond to your allegations.
 
VIP Realty Group, Inc. has registered a designated agent with the Copyright Office pursuant to 17 U.S.C. 512(c). If you believe your copyright material is being used on this Site without permission, please notify the designated agent at:
 
- Lisa Sands
- VIP Realty Group, Inc.
- 13131 University Drive
- Fort Myers, FL 33907
- Phone:  239-489-3303
- Email:  LisaSands@viprealty.com

Benjamin Rivera

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