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Francisco Montes De Oca

Francisco Montes De Oca

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Realty ONE Group Emerald Coast

Welcome to MDO Homes. Let's Guide you Home!

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CONTACT ME

Realty ONE Group Emerald Coast

Welcome to MDO Homes. Let's Guide you Home!

VIEW LISTINGS
CONTACT ME

Realty ONE Group Emerald Coast

Welcome to MDO Homes. Let's Guide you Home!

VIEW LISTINGS
CONTACT ME

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Neighborhoods

Crestview

I have called Crestview my home for the past three years! This city will always have a special place in my heart. There is so much development, with more and more coming into the area! 

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Destin

Destin, Fl, is one of my favorite places to be in! Not just because this city has it all… But it’s absolutely the pace to be from morning to night.

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Fort Walton

Welcome to Fort Walton Beach! Fort Walton is in the center of so much! With Two Military Bases within 10 miles of one another, this area is populated by Military families, contractors, and other essential workers that keep this city running!

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Okaloosa Island

Among the Emerald Coast, Okaloosa Island has one of the most beautiful beaches. Okaloosa is known for its white sand beaches, emerald-collared green waters, and many attractions for the whole family. 

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“As a first home buyer navigating real estate in an unprecedented housing market was no cakewalk…. unless you have Francisco at your side! He made sure to point out the important factors you don’t see on the surface of a property & closing procedures. Responsive at all hours of the day, informative, honest, and easy to talk to. It was clear that he wanted to not just get me in a house, but into a home! 🏡 Mission Accomplished!”
-Jeffrey Roe

“Francisco made selling our home a breeze! He was always quick to respond and answer any questions we had during the process. He has great knowledge of the housing market and local area, which allowed him to price our home effectively. Extremely satisfied with the whole experience from beginning to end. Would recommend Francisco to anyone looking to buy or sell!”
-Kegan Lewis

“Francisco was great to work with. He is very knowledgeable about the selling and buying process in Florida and he was a big help to me being a first time home seller in Florida. He was always readily available and responded to text or emails promptly. He accommodated my special needs and request without complaint and was very reliable, personable, and managed the selling of my home professionally. He was great to work with and I am happy to recommend him to others who are looking to sell or buy a home.”
– Sulura Jackson

About Francisco

Having a real estate agent in which you can have the utmost faith is one of the most important parts of an excellent home buying or selling journey. With a background in International Business and experience working in the fast-paced business world in New York City, I have prided myself on providing every one of my clients with unparalleled service that leaves them not only satisfied with the work that I’ve done but with the best results possible. No matter your situation, I am confident I am the perfect match to help you achieve your buying or selling goals. 

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One question I often get asked is "do I really nee One question I often get asked is "do I really need a buyer's agent when purchasing new construction?"⁠
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YES! You need a buyer's agent to look out for your best interests with any home purchase. Your agent is there to protect you and guide you throughout the sale.⁠
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Buying any home without an agent that you trust can put you at a considerable disadvantage. As wonderful as the sales representative is in the model home, they represent the builder, not you. You need someone looking out for your best interests. ⁠
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→  Swipe to learn about why it's smart to have a buyer's agent on your side if you're planning on building a new home or buying new construction.⁠
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If you've been thinking about building a new home, let's chat! I'd love to answer any questions you may have about the process.
Happy Earth Day! 🌎⁠ ⁠ Today is a day to ref Happy Earth Day! 🌎⁠
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Today is a day to reflect on just how fragile our planet is, and why it is important to protect it. ⁠
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Here are some simple yet effective sustainability tips for your home that you can start implementing today, that will have a long-term positive impact on our planet:⁠
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•  Use cold water when washing clothes (HE washers and modern detergents make hot water optional)⁣⁠
• Replace appliances with energy-efficient models⁠
•  Repair leaky faucets (5 drips a minute equals 262 gallons a year!)⁠
•  Use reusable grocery bags⁠
•  Switch to energy-efficient light bulbs⁠
• Sign up for paperless statements where possible⁠
•  RECYCLE! ♻️⁠
•  Purchase a smart thermostat and set it back to a lower temperature when away from the house and/or sleeping ⁠
•  Use homemade cleaning products to cut down on harmful chemicals (pro tip: have a clogged drain? Use baking soda and vinegar to clear it quickly!)⁠
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Have any home sustainability tips to share? Let me know in the comments!
You know who thinks moving is easy? NO ONE. Moving You know who thinks moving is easy? NO ONE. Moving can feel overwhelming when you look around at all of the items you’ve accumulated over the years, but there IS hope!⁠
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Whether you're a moving pro or packing up for the first time, there are ways to help the process go smoothly. ⁠
Trust me, I get it. The current market can be REA Trust me, I get it.  The current market can be REALLY challenging for buyers right now, and you may decide to waive inspections to win in a competitive, multiple-offer situation. Only you will truly know your comfort level to move forward, and it's important, as professionals, that we provide you with all available options. ⁠
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Even if you decide not to make your offer contingent on getting an inspection, it's still important to gain as much knowledge as possible about your new home, even if it's after you have already moved in. After all, how many years do you plan on living there? Effective budgeting and planning require full details... knowledge is power and ignorance is NOT bliss. ⁠
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It is important to be aware of all safety issues, maintenance items to keep an eye on, and big-ticket replacements you may have to budget for. On top of the general home inspection, the other important inspection you should consider? Radon. this odorless gas is the leading cause of lung cancer among non-smoking adults. ⁠
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I have home inspectors I trust and would be happy to recommend! Send me a message and I can connect you!
"Buying made easy" should always be the goal, and "Buying made easy" should always be the goal, and the process can be simple and stress-free if you partner with the right individuals to represent you. It also helps to know what’s coming at each stage of the process so you can be prepared to ask the right questions and make the best decisions. ⁠
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Here's the mortgage process at a glance:⁠
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➀ GET ORGANIZED.⁠
Collect your financial documents — 2 years of tax returns, W2, 1099, business profit / loss statements, recent bank statements, and pay stubs. Review all of your monthly expenses to determine a budget that works for you, and stick to it.⁠
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➁ CHOOSE A LENDER.  Establish a relationship with a vetted and trusted mortgage lender. Need recommendations? I have people I work with daily and would be happy to connect with you.⁠
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➂  GET PRE-APPROVED.⁠
Submit an online mortgage application and review with your lender to discuss the best mortgage products and outline your buying power.⁠
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➃  GO UNDER CONTRACT & OBTAIN APPROVAL. ⁠
Once you've signed on the dotted line, and your offer has been accepted, the lender will order the appraisal and submit your file to underwriting for final mortgage approval. They will verify your employment, run your credit, and confirm your assets and liabilities.⁠
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➄ SETTLEMENT DAY / CLOSING!⁠
You will sign settlement documents with the lender and title company or attorney. Then you get the keys to your new home!⁠
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It's as simple as you are prepared and guided! Be sure to get organized and work with a professional team to make this a seamless and memorable experience. ⁠
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Don’t let the mortgage process intimidate you. Bookmark this guide for later so you can refer back to it when you’re ready. If you have any questions or need a recommendation for a great lender,  don’t hesitate to reach out, I’m here to help!
One of the scariest prospects of selling your home One of the scariest prospects of selling your home in today's market is the possibility of being unable to find a new home to purchase after selling your current home. In a perfect scenario, the sale of your old home and the purchase of a new one would be flawlessly synchronized: sign two sets of documents, exchange keys and everything falls into place! However, that level of coordination doesn't always occur.⁠
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The thought of being without a home can be daunting, but it's important to remember that there are options available! Here are just a few ideas if you're considering selling, but wondering what you will do in the interim of finding a new home:⁠
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➊ Ask the buyer during negotiations for a leaseback agreement.⁠
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This is often the best option for a seller if the buyer is flexible because it allows you to only move once. A leaseback is essentially a lease agreement between you and the buyer, with you agreeing to pay their new mortgage as "rent" for a month or two so that you can stay in your current home as you look for a new one.⁠
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➋ Short-term rentals.⁠
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Although moving twice is not ideal, if you can sell your home for top dollar in today's competitive seller's market, it may just give you the extra cash needed to find a short-term rental to stay in, and a storage unit, while you hunt for a new home. With the shortage of inventory, this will allow you the flexibility to find the RIGHT fit, and not rush to find a home in a short period of time, or overbid on a home out of desperation. Have kids or pets and dread this option? Just remember, it's temporary!⁠
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➌ Stay with friends and family.⁠
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If it looks like it will be a matter of a short delay, you could stay with family or friends. The advantage of shacking up with loved ones is that it may be free — a big plus. ⁠
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The current real estate market can be difficult to navigate, but having a solid plan and a good agent by your side can greatly impact your experience and make all the difference!

321 Harbor Blvd, Destin, FL 32541

998 S Ferdon Blvd, Crestview, FL 32536

5399 Hwy 30A E, Santa Rosa BeachFL 32459

Francisco Montes de Oca

Relocation Specialist

info@mdohomes.com

850-608-8308

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Francisco Montes De Oca

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