Our Personal Mission

As your professional real estate advisors, we focus on client satisfaction.

Our business is about service and we are not happy until you are happy. Our years in the business have provided us the experience to assist you with nearly every real estate need.

Whether it's finding you a home, finding the best loan, or helping you getting the most out of selling your home we are here to guide you. If there is anything you need, please let us know

About Our Services

We will listen to your needs and want to establish our goals and objectives. We work as a team to meet the goals and you will continually be in the loop during the entire process. In this fast paced market, we believe communication is key in meeting our goals and building our relationship.

Knowing that you are reading this right now, tells us that you are comfortable with the Internet and email and that means you will be able to take advantage of our 24 hour electronic assistant right here on our website.

Please use our website to provide you powerful features such as the access to the MLS through my MLS Wizard to help you narrow down the ideal home. Selling your home takes special care and attention in order to get the highest possible price and you can feel free to use our Value Wizard to get an instant comparable sales report. Our links section is designed to point you important information on home shopping, owning and selling. And if you find what you are looking for, then contact us and we will do our best to get you an answer or point you to a resource.

Satisfied clients are the key to our success

Our satisfied clients are our best resources for new business. In this very competitive business of real estate, service makes the difference. Our service is second to none and has earned us a valuable source of referrals. If you are considering a real estate professional, please give us an opportunity to earn your business too. We are confident you will be very happy!

The Flags below will link you to your home language by clicking on them..... other languages are available on the Florida Search Link

Thank you.

Norman M  Raven FRICS, REALTORâ

Debbie  L Finke REALTORâ e-PRO  Certified Legal Assistant

The Raven Team

Norman Michael Raven

Accomplishments

· Chartered Realtor® & Appraiser in London for over 39 yrs - Broker.
· Fellow of the Royal Institute of Chartered Surveyors – FRICS
· Gold Coast School of Real Estate - Florida Salesperson License
 

Areas of Specialization

· Sellers, Buyers, Residential and REO
· Residential & Commercial Real Estate for over thirty nine (39) years
· Landlord & Tenant
· Property Management
· Relocation
· Investment Properties

Special Interests/Hobbies

· Motor Sports, Computers, Swimming, Golf, Cooking, Sci-Fi, Charity-Fund Raising.

Additional Comments

· Born Essex, England. Managing Partner owner Real Estate Company London. Specializing in acquiring homes for Europeans in Florida. Norman is computer literate and stays on the leading edge of technology for marketing Real Estate

Debbie Lynn Finke

Accomplishments

· Ohio University – undergraduate
· Capital Law School – Paralegal Certification
· Gold Coast School of Real Estate - Florida Salesperson License
· Professional Singer/Songwriter

Area of Specialisation

· Residential placements in homes for Americans and Europeans moving to Florida
· Contract for Purchase or Lease, Writing, Negotiation
· Facilities Management and Coordinators
· Commercial Real Estate for over twenty five (25) years and REO

Special Interests/Hobbies

· Cooking, Travelling, Singing, Music, Swimming, Life in Florida, Golf, Charity-Fund Raising

Additional Comments

· Born and raised in Columbus, Ohio. Specialized in Leasing and Facilities Managements for two major corporations and one large developer. Computer literate

Tips For Buyers

No one wants to contract a case of buyer's remorse. You know what I am talking about. It is that feeling that you've either paid too much or received too little. In most cases, there is no recourse for the buyer to receive recompense once the contract has been signed.

If no one wants to catch a case of buyer's remorse, why are there so many people out there who suffer from it? The answer is simple, most of these people engaged in a transaction without enough knowledge and information.

The best way to make sure that you choose the right home is to properly prepare yourself. The purchase of a home is a tremendous investment, both monetarily and emotionally. The purpose of this page is to in provide you with some tips that will help your transaction progress smoothly and result in you being a happy homeowner.

Remember, if you have any questions I am always just a phone call or email away.

1. Get help.
   
   Your home is likely to represent one of the largest investments in your life. In order to make sure that the transaction goes smoothly it is of vital importance that you choose the right agent to represent your interests. The right agent will be someone whose experience and personality makes you feel comfortable. You should try to find an agent that is familiar and knowledgeable about the area you plan to move into.
   
   
2. Get pre-approved.
   
   Do you already know how much home you can afford? There is nothing more frustrating than looking for a home, finding the perfect home, and then discovering that it is out of your price range. Speak with a lender to learn about the different financing options available to you. When you find the right lender get the paperwork processed so that you will be ready to buy when you find the right home.
   
   
3. Avoid major purchases.
   
   In order to determine the amount of home you can afford a lender uses your debt-to-income ratio. This ratio is the percentage of your pre-tax income that you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt right before buying a home it is going to have an impact on the amount of the loan that the lender will finance.
   
   
4. Sign up for Property Watch.
   
   In order to make an educated decision you need to know what is available and how much it is going for. You can browse all the active listings from my website. Once you have found some homes you like save those searches and sign up for property watch so that new listings will be emailed to you. The best homes move fast so you need to make sure that you are on top of the available inventory at all times so you do not miss out.
   
   
5. Ask Questions.
   
   No one knows the home better than the seller of the property; however it is not always in the seller's best interest to disclose all the information. If you find out the seller's motivation for selling you might be able to negotiate a better deal on the home. Try to find out the last time service was performed on the roof, furnace, and water heating. Asking the right questions now can end up saving you a lot of money in the long run.
   
   
6. Get inspected.
   
   The last thing you want to discover after you have bought a home is that you have purchased a "money pit". By "money pit" I am referring to a home that is full of defects that are going to end up costing you a lot of money. Save yourself a lot of time in future litigation and renovation by bringing in a licensed home inspector before you buy. If any problems are found it will steer you away from a bad decision or help you negotiate a better price.

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