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Michael and Dee Norris  –  Norris  & Company Realty, LLC

Norris & Company Realty, LLC

 This is our 150th post on polkcountywire.com

Your Trusted Real Estate Service for Over 20 years..
Michael and Dee Norris,
Welcome to Beautiful Central Florida…
Sunny skies, incredible sunsets, and a warm welcome await you in Central Florida. If you’re searching for Winter Haven real estate or considering buying a home in the surrounding communities in and around Polk County Florida, you’ve come to the right place!We love what we do and believe the Real Estate Service we provide must be personal and professional. Our goal is to provide our clients with total customer satisfaction throughout the entire buyer or selling process from our very first meeting to beyond the closing. Contact us!
Real Estate is our passion… Creating lifetime relationships along the way, we have helped many families and friends through the emotional journey of changing their lives and fulfilling their dreams.
We understand the uncertainties of change… in ‘Today’s Market’, our Real Estate expertise, and wealth of local knowledge can be the key to helping meet the unique challenges encountered in selling or buying that special home.

Purchasing a property is most likely the biggest financial decision you will ever make.

Whether this is your first purchase or you are an experienced buyer, this decision must be made carefully



 Norris & Company Realty, LLC. have prepared This Guide to help you step by step!

iStock_000004085541SmallMORTGAGE APPLICATION: For mortgage referrals, ask your Realtor® Norris & Company Realty, LLC for the preferred lender list if you have not already chosen a lender. The application must be completed within the contract guidelines, if not done already. The loan process can sometimes be a nuisance, but please understand that detailed documentation is required by the lender. Most loans are approved with “conditions” and these generally have to be cleared prior to closing. If you are ask to supply documentation for your loan, please make sure to do this in a timely manner. It is important to the process.




BUILD YOUR LOAN FILE.A Loan file contains all your important financial documents. You will need it to secure financing for your property. The typical loan file should contain:

  • Financial statements
  • Bank accounts
  • Investments
  • Credit cards
  • Auto loans
  • Recent pay stubs
  • Tax returns for two years
  • Copies of leases for investment properties
  • 401K statements, life insurance, stocks, bonds, and mutual account information.
  • Check Your Credit Rating.


shutterstock_102789911FINANCING STEPS

Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields. Be Careful with Your Finances. Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.


PRE‐APPROVAL: A lender has reviewed your credit, verifications and all other required documentation and approves your loan prior to finding the property to purchase. Lender approval of the appraisal would follow after a contract is signed to purchase a property. lender up‐front for this expense.


HOW TO HOLD TITLE. You may wish to consult an attorney or tax advisor on the best way to hold title. Different methods of holding title have different legal, estate and tax implications, especially when selling or upon death of the title holder.


Keep written records of everything. For the sake of clarity, it will be extremely useful to transcribe all verbal agreements including counter-offers and addendums and to convert them into written agreements to be signed by both parties. We will assist you in drafting all the paperwork for your purchase and make sure that you have copies of everything.

Stick to the schedule. Now that you have chosen your offer, you and the seller will be given a timeline to mark every stage in the process of closing the real estate contract. Meeting the requirements on time ensures a smoother flow of negotiations so that each party involved is not in breach of their agreements. During the process we will keep you constantly updated, so you will always be prepared for the next step.

The Closing Agent. Either a title company or an attorney will be selected as a closing agent. The closing agent will hold the deposit in escrow and will research the complete recorded history of the property to ensure that the title is free and clear of encumbrances by the date of closing and that all new encumbrances are properly added to the title. Some properties are subject to restrictions which limit various activities such as building or parking restrictions. There may be recorded easements and encroachments, which limit the rights to use your property.

LOAN COMMITMENT: This is the lender’s commitment to provide a mortgage to purchase a property. You must receive this loan commitment from the lender within the time period noted on the contract. If your lender isn’t able to do this within the agreed upon time in the contract, please notify your Transaction Coordinator or Realtor® immediately. Norris & Company Realty, LLC


Inspections. Once your offer is accepted by the seller, you will need to have a licensed property inspector inspect the property within the timeframe that was agreed upon in the effective contract to purchase. You may elect to have different inspectors inspect the property, if you wish to obtain professional opinions from inspectors who specialize in a specific area (eg. roof, HVAC, structure). If you are purchasing a commercial property, then you will need to have an environmental audit done on the site for the lending institution. We can recommend several different inspectors. Transaction Coordinator for a list. Once you have selected an inspector, please notify your Transaction Coordinator of the time and date of the inspection to coordinate access. If you’d like us to schedule the inspection please let us know. We’d be happy to handle this for you. Please have the name and phone number of the inspector available when you call. Once the inspection is completed, your Realtor® will review the report with you, discuss your concerns and compile a list of any repairs, which you will need to sign. You will be notified of the seller’s response regarding repairs.

Depending on the outcome of these inspections, one of two things may happen:

  1. Either each milestone is successfully closed and the contingencies will be removed, bringing you one step closer to the close, or
  2. The buyer, after reviewing the property and the papers, requests a renegotiation of the terms of contract (usually the price).

iStock_000002796241_ExtraSmallAppraisal and Lending. It is imperative that you keep in close communication with your lender, who will let you know when additional documents are needed to approve your loan application and fund your loan. If the agreement is conditional upon financing, then the property will be appraised by a licensed appraiser to determine the value for the lending institution, via a third party. This is done so that the lending institution can confirm their investment in your property is accurate. Appraisers are specialists in determining the value of properties, based on a combination of square footage measurements, building costs, recent sales of comparable properties, operating income, etc. When you are within two weeks of closing, double check with your lender to be sure the loan will go through smoothly and on time.

CONDO DOCUMENTS, APPLICATION & APPROVAL: Condo documents will be provided by the listing agent for your review if you haven’t already received them. A condo application may be required to purchase in certain communities. If this is required, your Transaction Coordinator will obtain this for you. It is important that you submit the application and any required fee to the appropriate association or management company as soon as possible. An interview may be required. If an application and/or interview are required, these items must be completed prior to closing. Time must also be allowed for the approval to be sent to the title company for closing.

iStock_000000311883XSmall[1]HAZARD INSURANCE:

Property Insurance. If you are obtaining a loan, you will be required by your lender to purchase a certain amount of insurance on the property. The value will depend on the lending institution and the purchase price of the property. You may be able to save hundreds of dollars a year on home owners insurance by shopping around for insurance. You can also save money with these tips.

Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium.

Ask your insurance agent about discounts. You may be able get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire-retardant roofing materials. Persons over 55 years of age or long-term customers may also be offered discounts.

Insure your house NOT the land under it. After a disaster, the land is still there. If you do not subtract the value of the land when deciding how much homeowner’s insurance to buy, you will pay more than you should. If you need a recommendation to an insurance agency, please contact your Transaction Coordinator or Realtor®. Norris & Company Realty, LLC

SURVEY will be scheduled by the title company Approximately 2‐3 weeks prior to closing, If you have a preferred company, please notify your Transaction Coordinator. A survey will be ordered for you to insure completion in time for closing.


More of a formality than anything else, the final inspection takes place a day before, or the day of the closing. You will visit the property to verify that all is in working order, everything is the same as when you last viewed the property, and to check any repairs that may have been made per the inspection report also that there are no extra items left behind, and that everything included in your purchase is still at the property. Your Transaction Coordinator or Realtor® will contact you to schedule this. If you will not be here for closing, you can have a friend or relative complete the walk through for you. Norris & Company Realty, LLC



iStock_000002708720SmallHOME SERVICES AND UTILITIES.

We will provide a list of useful numbers for the activation of home services and utilities for after the closing occurs. Arrange UTILITIES connections to start the day of closing.


Norris & Company Realty, LLC. We are ready to assist you should an unforeseen glitch pop up, even at this last stage. Something at the property breaks down, or some other minor detail – no need to worry. We have encountered these problems before so we know how to handle them efficiently and in a stress-free manor.


All Items May Not Apply to your Home Purchase

iStock_000003495757XSmallCLOSING: All parties whose names appear on the contract must attend the closing unless prior arrangements were made for a mail away or approved Power of Attorney. If this is to be a primary residence, the spouse also needs to sign the mortgage, even if their name does not appear on the contract. All parties need to bring driver’s license or passport for identification.The closing agent will furnish all parties involved with a settlement statement, which summarizes and details the financial transactions enacted in the process. You and the seller(s) will sign this statement, as well as the closing agent, certifying its accuracy. If you are obtaining financing, you will have to sign all pertinent documentation required by the lending institution. If you are unable to attend the scheduled closing, arrangements can be made depending on the circumstances and the notice that we receive. If you are bringing funds to the transaction, you can elect to either have the funds wired electronically into the closing agent’s escrow account, or bring a certified bank check to the closing in the amount specified on the settlement statement. The seller should arrange to have all property keys and any other important information for you at the closing so that you may receive these items at this time

iStock_000003222829_ExtraSmallCLOSING FUNDS: Your Transaction Coordinator and Realtor® will review the HUD‐1 Settlement Statement prior to closing. You will be notified of the amount you’ll need to bring to closing. The funds will need to be wired to the title company’s escrow account. If you’d like to wire your funds, please contact your Transaction Coordinator and wiring instructions will be requested. If you have just sold a home, you may also be required to bring a copy of your closing statement from that transaction for your lender.

CONGRATULATIONS! Closing has taken place.

pack (2)The home is now yours. Please note that if the sign and lock box haven’t already been removed they should be within one week If not, please contact your Your Transaction Coordinator and Realtors® Norris & Company Realty, LLC



Welcome to sunny Auburndale, Florida!


This stunning lakefront property sits on 1.26 acres of land, and features 5 bedrooms and 3 bathrooms over 2,788 sq. ft.!

Take a Visual Tour

129 Van Fleet

Imagine living here! Amazing views every day!! From the custom design and architectural elements of distinction this home offers the ultimate in quality and detail…

This Stunning 5 Bedrooms, 3 bathrooms 2788sf. home features every amenity imaginable: Elegant foyer, Beveled glass double entry doors, 20” ceramic tile flooring with Marble inlay, extensive crown molding and soaring ceilings throughout. (All rooms except 3 Bedrooms are lake view)

Multiple living and entertainment areas include a Formal living/dining room with, 12Ft ceilings, recess lighting, custom molding, sliding glass doors to lanai (ceilings are 10Ft throughout)

The Kitchen, Nook and Family room: is where it all begins, Gourmet Kitchen has custom display cabinets, granite counter tops and island with prep sink, range and breakfast bar.  Built in desk and tiled backsplash. Stainless dishwasher, French door fridge & dishwasher.  Family room has built in shelving and shares a double sided fireplace with master bedroom. Sliding doors leading to wooden deck overlooking lake.

Luxurious lake view master suite, Jacuzzi tub with separate shower, double walk in closets and vanities. Romantic double sided fireplace and access to lanai

Guest bedroom has private bathroom, all bedrooms have walk in closets. (Master Suite is separate from all other bedrooms, 2 bedrooms and 1 bathroom located in one end of home, additional bedrooms are located at other. Unique triple split plan)?

Utility room has cabinets with counter top sink.

The centerpiece for outdoor living is the covered screen enclosed lanai, with ceiling fans

The exterior is also complimented by the circle driveway, brick paved covered patio with exterior columns and tiled roof. There is an oversized, side entry 3 car garage,

Replaced in March 2013, Dual 16 sear HVAC units (transferable 10 year warranty) plus Transferable termite bond.

The Finest Home located in an exclusive Gated community, 1.26 Acre lot with 195ft frontage on Beautiful spring fed Lake Arietta.

From Poppy Day to Veterans Day

Poppy Day


From Poppy Day to Veterans Day

Remembrance Day also known as Poppy Day and still to some Armistice Day, is a memorial day observed in Commonwealth countries since the end of World War One. It was created to remember and honor the soldiers who have died in the line of duty. Remembrance Day is observed on November 11th to recall the end of hostilities of World War One on that date in 1918. Hostilities formally ended at the 11th hour of the 11th day of the 11th month, in accordance with the Armistice, signed by representatives of Germany and the Entente between 5:12 and 5:20 that morning. World War One officially ended with the signing of the Treaty of Versailles on 28 June 1919.
Britain, France, Australia and Canada also honor the veterans of World Wars One and Two on or near November 11th. Canada has Remembrance Day, while Britain has Remembrance Sunday which is observed on the second Sunday of November. In Europe, Britain and the Commonwealth countries it is common to have two minutes of silence at 11 a.m. every November 11th.
In the United States of America, we have a wreath-laying ceremony that is held annually on Veterans Day at the Tomb of the “Unknowns” in Arlington National Cemetery, there are also parades and other celebrations held in most states around America. Veterans Day pays tribute to all American veterans both living and deceased but we especially gives face to face thanks to living veterans who served their country honorably during war or peacetime.
The very First Armistice Day was held at Buckingham Palace commencing with King George V hosting a Banquet in Honor of the President of the French Republic in the evening hours of 10 November 1919. Armistice Day was officially held for the first time at Buckingham Palace on the morning of November11th 1919. This was the beginning for a day of Remembrance for decades to come.
Red poppies, which are a symbol of World War One are sold in Canada, and also the United Kingdom on Remembrance Day to help raise money and other means of help for veterans, they are also worn in the lapel as a tribute, from which the name “Poppy Day” was derived. The red remembrance poppy has now become a tribute of Remembrance Day due to the poem “In Flanders Fields”. These poppies were grown across some of the most gruesome battlefields of Flanders in World War One, their very bright red color is now a traditional symbol for the blood spilled in World War One.