Cristina Parody
Real Estate Agent in West Central Florida
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About me
Cristina Parody
As a dedicated real estate professional in the vibrant St. Petersburg area, I take pride in helping buyers, sellers, and investors navigate Florida’s dynamic housing market. With a background in finance, accounting, and negotiation, I bring a strategic approach to every transaction, ensuring my clients maximize their opportunities. Florida’s real estate market is booming, especially in Hillsborough, Pinellas, and Pasco counties, where rapid growth, new developments, and strong investment potential are shaping the future. My goal is to provide you with the best guidance and advice possible, always taking into account your specific needs to ensure a smooth and successful real estate experience. Whether you’re looking for your first home, a waterfront property, a downtown condo, or an investment opportunity, I am committed to offering expert knowledge and personalized service. Let’s turn your real estate dreams into reality—reach out today!
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What I do
My Services
Buying a Home
Whether you’re a first-time homebuyer or a seasoned investor, I’ll guide you through every step of the home-buying process. From finding the right property to negotiating the best deal and navigating inspections and financing, I ensure a smooth and stress-free experience tailored to your needs.
Selling a Home
Selling your home is a big decision, and I’m here to help you maximize its value. I provide a comprehensive market analysis, strategic pricing, professional marketing, and expert negotiation to attract the right buyers and secure the best possible outcome.
Investment Properties
Florida’s booming real estate market offers great opportunities for investors. Whether you're looking for rental properties, fix-and-flip opportunities, or long-term appreciation, I’ll help you identify high-potential investments and build wealth through real estate.
Relocation Assistance
Moving to or from the St. Pete area? I offer full relocation services to make your transition seamless. From neighborhood insights to school information and community resources, I’ll help you find the perfect home and settle in with ease.
Pinellas County is known for its stunning Gulf Coast beaches, waterfront living, and lively cities like St. Petersburg and Clearwater. It offers a mix of urban excitement, arts, and culture, along with a laid-back beach-town vibe. Ideal for those who love outdoor activities, dining, and a coastal lifestyle.
Home to Tampa, Hillsborough County is the economic hub of the region, offering a mix of urban and suburban living. With a thriving job market, professional sports teams, entertainment, and a diverse food scene, it’s perfect for those seeking a fast-paced city lifestyle with access to top amenities.
Pasco County is one of the fastest-growing areas, known for its affordability, larger lot sizes, and quieter suburban communities. With excellent schools, nature preserves, and growing commercial development, it’s great for families, retirees, and those looking for more space while staying close to Tampa Bay.
Frequently Asked Questions
How much do I need for a down payment?
The down payment depends on the loan type. Conventional loans typically require 5-20%, while FHA loans allow as low as 3.5%. VA and USDA loans may offer 0% down for eligible buyers.
What credit score do I need to buy a home?
Most lenders prefer a credit score of at least 620 for conventional loans, but FHA loans may accept scores as low as 580. A higher score can help you secure better loan terms.
How do I get pre-approved for a mortgage?
To get pre-approved, you’ll need to provide financial documents such as pay stubs, tax returns, bank statements, and credit history to a lender. This helps determine how much you can afford.
What are closing costs, and how much should I budget for them?
Closing costs include lender fees, title insurance, home inspections, and other expenses. They typically range from 2% to 5% of the home’s purchase price.
How long does it take to buy a home?
On average, the home-buying process takes 30-45 days from offer acceptance to closing, but it can vary depending on financing, inspections, and negotiations.
Do I need a home inspection?
Yes! A home inspection helps uncover any potential issues with the property before you buy, protecting you from unexpected repairs or hidden problems.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate of what you might qualify for, while pre-approval is a more in-depth review by a lender, giving you a stronger position when making an offer.
Can I buy a home with student loan debt?
Yes! Lenders consider your debt-to-income ratio (DTI), so as long as your monthly debts are manageable, you can still qualify for a mortgage.
Should I work with a real estate agent?
Absolutely! A real estate agent helps you find the right home, negotiate the best deal, and guide you through the entire process to avoid costly mistakes.
When is the best time to buy a home?
The best time depends on your situation. Spring and summer offer more listings, while fall and winter may provide better deals with less competition.
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