Your Second Home in NAPLES - pure delicate beach townce on the Gulf Coast ... tropical recreation... in Southwest Florida. NAPLES - Golf capital of the world, certainly " golfing heaven " It's a laid-back, charming Florida beach vacation destination, an elegant resort escape located on the southwestern tip coast of Florida, which is affectionately known as the 'Paradise Coast'. Numerous villas, some of the same small palaces, sometimes white, sometimes pink, sometimes apricot peek out from behind hibiscus and palm trees.

1. Advice on Buying Overseas
Properties in Southwest Florida Naples Safely
Top Tips for buying abroad safely courtesy of the Astrid Lorenz, Realtor
Buying property is not a process to be rushed. You need time to research the market as a whole
and your particular destination of choice. You should also spend time researching the companies
in the market place - using the right professionals will save you time, money and stress. Investing
time and being prepared to spend money on good service providers at the beginning of the
process will save you a lot of hassle later and potentially avoid expensive mistakes.
The Astrid Lorenz Consumer Guide has more in depth information, but here's 5 key tips for
protecting yourself when buying abroad.
1. Use a Professional Real Estate Agent!
2. Memberof The NaplesAreaBoardof Realtors®
3. Memberof The FloridaAssociationof Realtors®
4. Memberof The National Associationof Realtors®
 No matter what anybody tells you, no matter how easy it all seems and no matter how
lovely the agent seems, ALWAYS use a professional Real Estate Agent and an
independent lawyer to represent you throughout the purchase of your property overseas.
 It is the Real Estate Agents & lawyer's job to protect you and inform you.
 While working with a Real Estate Agent in Southwest Florida is 100% free for Buyers

2.  ( Seller pays ) , you will need to pay the lawyer a fee - accept that as part of your
purchase costs. This is definitely not an area in which to keep costs down.
 The definition of "independent" is that the lawyer represents you and only you.
2. Do the numbers
 Make sure you know your budget before you start looking at properties - this should
include at least a Mortgage Preapproval if you're borrowing money.
 Don't then be tempted to buy more properties than you can afford (particularly on off-
plan properties) hoping to sell the extra properties before completion unless you fully
understand the risks as well as the rewards (see point 5).
 If borrowing money, your repayments will stretch over several years, years in which
lending criteria and borrowing costs may change. Discuss the long term repayment with a
financial specialist before proceeding.
3. Beware exchange rate movements
 The rates do not need to move substantially to affect the value of your purchase. If you've
already signed contracts to buy, this could cause you a problem. Speak to specialists in
this area and secure your rate of exchange rate movement can apply.
 The rate fluctuations will also affect the costs of mortgages (if you raise the mortgage
overseas and earn your income at home). Again, speak to a foreign exchange specialist,
US CPA to highlight the risks and to take appropriate action.
4. Use professional real agents and developers

3.  There are few, if any, guarantees when buying property, at home or overseas. Using an
independent lawyer (see point 1) significantly reduces the risks you take on an overseas
property purchase and working with a real estate professional agent & buying from a
professional developer will also help you. Your Real Estate Agent will work with you till
you move in and support you to establish all the maintenance services .
 Ask lots of questions.
3 year old children are known for asking lots of questions (why? why? why?) and you
should follow their lead when talking to agents about a purchase. Initially, focus
questions on the company itself, not the properties for sale. Dig around for details on the
founders of the company and the track record of the company. Ask for client testimonials
and make sure you find out in detail exactly what service they offer. Don't just take their
word for it - ask for details on their service in writing, preferably in the form of some
type of "Terms of Business".
5. Remember the risk to reward ratio
 If you are buying property overseas as an investment (as many people have done in
recent years), you need to bear in mind that big returns may come with significant risks.
Be careful to assess the possible downsides to an investment property as well as the
enticing investment numbers that could be achieved if all goes to plan.

4. Take your time and follow these tips and there is no reason why you'll be taking any more risk
buying overseas than you do at home.
Feel free …
to connectme for a lawyerrecommendation or CPA or any detailedquestions inSouthwestFlorida.