Closing Costs and Financing Incentives

How Financing Details Affect Your Offer There may be times when, as part of your offer, you request the seller to pay all or a portion of your closing costs, or provide some other financial incentive. One common request is asking the seller to pay a certain specified amount towards “closing costs and pre-paids.” Such incentives can…

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5.0

Based on 101 reviews

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Patricia A.

22:00 30 Aug 21

We had the best buying experience of our new vacation home, due to the expertise of Steve and Gorana Saner. We had not bought a home since we purchased the home that we live in in Pa. 43 years ago, so to say we were super unexperienced in the process of home buying is an understatement. Steve and Gorana guided us through everything in this ever changing market. We first dealt with Steve after signing up on the White Sands Website. He sent us properties that were in our price range and the types that we were interested in. He did not bug us, he just checked in with us every few months. When we were ready to seriously look we arranged a visit from PA and both Gorana and Steve accommodated our schedule even being available the weekend before Memorial Day. We were determined that we were not going to pay over the asking price for our new home even in this market,where that was the rule rather than the exception. Before our trip to Florida Gorana became involved and put together a nice mix of old and new properties that met our criteria as far as size, location, price and amenities. By time we arrived at least half had been sold and this was only in a couple of days! Gorana put together more properties that fit all the criteria above and this went on for the four days we spent with them. We feel that we saw a lot of properties both old and new, in that time frame thanks to their diligence and knowledge of the Naples area. We honestly did not think we would find a house, since things were so volatile, but we did and it was the second property that we saw, we liked it but did not know it was going to be ours until we put an offer on it for the asking price and it was accepted! From then on Steve and Gorana guided us to settlement. Steve had called us before our trip and went through the agreement of sale so we thoroughly understood it so when it came time to put the offer in we could do it seamlessly with no delay, which is what you have to do in this market to get a property you love. So after the offer was accepted there were some other pitfalls that we had to get through due to the history of the property we were purchasing, but Steve and Gorana were right with us every step of the way until we finally reached settlement. So now we are proud owners of a beautiful Naples home in a beautiful gated golf community, that honestly we did not think it would happen as fast as it did. We would highly recommend Steve and Gorana Saner for their professionalism, knowledge of real estate and their knowledge of the Naples area and their overall personality. Although, they were definitely professional they also were friendly and caring through the process and we feel as though we have gained two new friends in the Naples area.read more

John D.

06:34 04 Aug 21

Ever since my wife and I started our "Naples" dream search in 2017,Gorana and Steve have provided exceptional customer service, along with much needed guidance and patience in our search endeavors. They showed us countless listings and always took our best interests into consideration. Always polite, conscientious, and courteous in interacting with our relentless search, we could not have asked for a better team to fulfill our dream. Gorana and Steve, you have our heart felt thanks and appreciation for your exceptional service and commitment! You are the best!!read more

Maryann S.

01:51 23 Jun 21

My husband and I relocated from NJ and we were lucky enough to work with Lindsey to find us our dream house. She was so attentive and informative and really helped make the process more enjoyable. She knew all about the different neighborhoods, kid friendly areas, school districts, etc. We really loved working with her!read more

Mary H.

15:46 22 Jun 21

When we decided to build a house in Naples, we asked Lindsey Dyer to help us find a lot and a builder. We knew from an existing relationship that she is sharp, organized, and detail oriented, so we had confidence that she was the best person for us. The complexity of being several hours away made it even more important to have an agent whose judgment we could trust.Lindsey found a beautiful lot for us in a perfect location, as well as builder who has been knowledgeable and accommodating. Her recent experience in building her last two homes has provided her with a wealth of information that she has readily shared – it was not necessary for us to know what questions to ask. As construction has progressed, Lindsey has kept us informed, sent pictures, and remained in contact with the builder’s team. We have really appreciated having a knowledgeable agent whose judgment we trust to supplement our contact with the builder and serve as our local presence.read more

Glen

19:03 28 Apr 21

Douglas is a fantastic realtor, always attentive to my wants and needs and was very persistent in forwarding quality, relevant listings to me as I was shopping from the east coast. I strongly recommend this realtor if you are in the market to buy or sell a home in the Naples area!read more

Dustin H.

21:51 13 Apr 21

We contacted Peter Warrick-Marsh after deciding to explore places in Naples. Peter was incredibly responsive and helped us narrow down our search and find the best community for us. Peter was professional and helped us navigate the process. We are incredibly excited to spend time in Naples and Peter was a big part in supporting us get there. I would highly recommend him as an agent.read more

Louis D.

18:37 03 Apr 21

We contacted Douglas Olmstead by chance when researching homes for sale in Naples, FL. Did we get lucky! He was professional and friendly and knew quite a bit about the Naples area. But I have to add that in my opinion, Douglas went ABOVE and BEYOND his realtor duties. Because we live out of state, Douglas was always happy to check out a property for us and send us pictures or facetime. He always responded promptly and also gave us great advice which was very much appreciated since we have been out of the house buying market for 35 plus years. I highly, HIGHLY recommend Douglas and White Sands Realty. Thank you Douglas for helping us purchase our home in Naples, FL.read more

Diane W.

16:13 13 Feb 21

We were lucky to find Douglas Olmsted to work with during a house search in the Naples area. He was very professional and had a lot of local knowledge. He made this stressful time into fun and educational for us!read more

lpgiese

00:11 20 Jan 21

Steve Saner Is an excellent very responsive real estate agent who helped us find and secure our dream home in Naples Florida. Steve has been very patient with us since we were very specific about the needs that we had for our new home in Florida. He has been working with us for a while and we thought that we would have to wait another year to secure a property. However Steve was very proactive and we trusted his opinion on a home we bought, site unseen. We are amazed at our purchase as we sit in our new home right now. Steve was active throughout the whole process from pre-purchase through actually the closing it was a great help to us in our new move to Florida. We highly recommend Steve as your real estate agent. He was very low-key and no pressure and was very valuable with information on the Naples area that sold us to move here.read more

Goran J.

18:39 22 Nov 20

Mark was great to work with and very accommodating and responsive to our needs.

Harvey L.

22:35 12 Nov 20

My wife and I were fortunate to have found Douglas Olmsted to assist us in our home search. We were traveling to Florida from out of state, and Douglas could not have been more helpful in advance of our visit. We spent a week with him and benefitted from his vast real estate experience and advice, as well as enjoying his warm and caring personality. He was patient, thorough, and dedicated to help us find the perfect home - which we did. We are forever grateful to Douglas, and we can recommend him without hesitation as he can be trusted implicitly to do a great job for you.read more

Michael H.

20:53 30 Aug 20

Peter Warrick-Marsh and Doug Olmsted are refined professionals. They completely understood what we needed to accomplish in our short two day stay. When we arrived in Naples they had a number of properties to present to us based on our criteria. Their connections and knowledge of the area meant they were able to expertly guide us to our perfect new home. Peter is patient, diligent, prepared and gracious. Doug is insightful, responsive and extremely knowledgeable. In under 48 hours we signed a contract. It took all the guess work and countless exhaustive hours out of the process for us. Peter even helped us find temporary accommodation close to our new home until its ready for move in. If you want a stress free and flawless home buying experience, please contact Peter Warrick -Marsh and Doug Olmsted at White Sands Realty.Anna and Mike Harmonread more

Jack B.

18:27 09 Aug 20

Peter B

16:31 05 Jun 20

Numerous national reviews led us to believe that our future home would probably be in Southwest Florida. An internet search led us to Derek Anderson, who helped us decide that Naples would be right for us. Derek turned out to be that special professional who combines knowledge of an area with an understanding of a buyer’s needs and interests, is able to translate these into candidate properties, and helps close the purchase. Thank you, Derek!read more

Andrea M

16:22 05 Jun 20

How fortuitous that we found Derek Anderson from an internet search. From our home across the country, he helped set expectations, provided numerous listings tailored to our needs, was extremely knowledgeable and diligent. When we arrived in Naples, Derek organized house showings for just the right amount of time and never used high pressure tactics. We are now happy year-round residents and homeowners thanks to Derek.read more

Julie F.

14:29 24 May 20

My husband and I worked with Ryan Ehmen and we found the perfect home in one day. Ryan was professional, responsive and very knowledgeable about the Naples area. He handled all aspects professionally and went above and beyond as we were living in Connecticut and bought our Naples home during the COVID 19 pandemic. What should have been an extremely stressful situation ended up being the easiest home purchase I have experienced. I would not hesitate recommending Ryan or his company in the future. Outstanding job!read more

Yumna I.

21:04 01 May 20

Jamie Henry has helped my husband and I buy two Naples properties including our recent purchase, a condo in Pelican Bay.Jamie is wonderful to work with. She’s very professional but you feel more like she’s part of the family. She went out of her way to help with getting our place ready to be lived in. Jamie is definitely a gem. I am very grateful to know her and have her on my team. I would recommend her to anyone and everyone who asks! Thanks Jamie!read more

Mary D.

13:51 29 Apr 20

My husband and I are from out of State and the contractual and closing processes are quite different in Florida. Jaime helped us find the home of our dreams and was good enough to walk us through to closing every step of the way -- she really went above and beyond. I would recommend Jaime to anyone looking to buy in Naples, FL.read more

Michael Fasano J.

20:06 24 Apr 20

Without hesitation or reservation I highly recommend Ryan Ehmen, it is hard in this day and age to find a qualified, capable realtor with both skill and integrity. Do not hesitate to use Ryan for all your real estate needs - you will not be disappointed.read more

Julia D

17:58 24 Apr 20

Ryan Ehmen took care of everything. We have had two real estate transactions with him and both were seamless. There was no problem that Ryan wasn't willing to solve. He works hard for his clients and feels like family. We highly recommend him and White Sands.read more

Duane O.

19:22 07 Apr 20

We've been working with Derek Anderson for years! He's great at finding what we wanted in our properties, plus he has a good feel for adding in houses we may not have considered until we saw the community and the layout. Communication is always great, gets right back to you with an explanation on everything. Highly recommend as he's very familiar with the area!read more

Leslie P.

19:30 14 Feb 20

Jamie Henry was wonderful to work with. Went above and beyond in keeping us up to date on our home construction while we were away. Excellent agent - we highly recommend Jamie!

Michael S.

17:43 21 Dec 19

Over the years I have used a number of real estate brokers with regard to purchasing and selling homes. The experience I had with White Sands Realty and Doug Olmsted has clearly been my best experience—-by far. Everything you would want in utilizing a real estate broker you can find in Doug. He is extremely knowledgeable and helpful and friendly and always available. He tells it like it is and is a valuable asset in house hunting in the Naples area. There are many brokers and associates who have come into this field as an afterthought or simply because they weren’t able to find a job in their chosen profession—-and those individuals you should avoid at all costs. On the other hand, Doug has been a broker for 25 years and has enormous expertise that will make buying or selling a house or condo a fabulous and enlightening experience. You simply can’t go wrong using Doug and White Sands Realty. If I could, I would give him 7 Stars.read more

Nathan M.

15:10 06 Dec 19

Mark Weber and his team and very down to earth and knowledgeable about the real estate market in Naples FL. When we were shopping for homes, we connected with Ryan from his team. He was incredibly responsive and personal. He asked us great questions about what we were looking for and showed us homes almost immediately. Since we are from Chicago, Ryan even did a virtual walk through using FaceTime which was helpful. Based on our experience with Mark and Ryan, after we moved to Naples, my wife Julie even joined their team! I would highly recommend Mark and the White Sand Realty team.read more

Katherine L.

15:23 29 Oct 19

steve C.

19:49 28 Oct 19

Jamie helped us buy our vacation home in Bonita Springs FL. Buying from the UK seemed like a daunting prospect until we meet Jamie, She is so friendly & helpful that we could not recommend her highly enough! if you are looking to buy or rent in Naples then do yourself a favour and look no further, you wont regret it. Thank you Jamie for finding us our place in the sun. 5 stars all the way.read more

Stephen P.

16:10 09 Oct 19

Erin G.

12:55 09 Oct 19

Jamie Henry was an absolute pleasure to work with on our home purchase in Naples! She's such a positive, driven and detailed oriented person. Our home buying experience couldn't have been better for my wife and me coming from Minnesota. We immediately knew from our first phone conversation with Jamie that she was a perfect fit for us!read more

John L.

13:52 22 Sep 19

We would highly recommend Ryan Ehmen as your agent. He was very helpful in assisting in our home purchase in South Naples. We conveyed with him our target area and he showed us homes in our prices range. We were glad he was he was there to assist us through the complete experience.read more

Dan F.

14:49 11 Sep 19

Douglas was very knowledgeable of the area and had a very good understanding of what we were looking for in a home. His knowledge and professionalism made finding a home easy and pleasant. I would highly recommend White Sands Realty to anyone looking to buy a home in the Naples area. We feel very fortunate to have been able to have White Sands Realty and Douglas assist us in our search.Dan & Carolynread more

Jennifer W.

19:15 01 Sep 19

Thank you Peter Warrick-Marsh for helping sell my condo and finding a new home that fits all my wants and needs!I was very happy with the whole process and highly recommend Peter! He was able to sell my condo quickly and coordinate the purchase so that everything came together the same day for closings! He was professional, patient and readily available to answer questions.read more

Erick L.

22:56 28 Aug 19

Peter Warrick-Marsh was a great agent for my recent home purchase! He was responsive and helped at all points through the purchase to make sure all was well. I would recommend Peter to anyone looking to purchase their next property!read more

Joann M.

22:28 18 Jul 19

Derek Anderson is a true real estate professional. We are from the Boston area and were looking for a second home in Naples. Derek quickly and effectively assessed our needs, dreams and price range. He shared several properties and ideas with us online to get a good handle on what we wanted. By the time we arrived in Naples, all appointments were made for a two day visit. By the end of the weekend, we had made a purchase. Even more important to us was the incredibly efficient and accurate way in which Derek handled the offer and closing processes. His attention to detail made our entire experience perfect and stress free.I would recommend Derek to anyone. He is a top notch, enthusiastic and detail oriented guy with a positive laid-back style that gives you the freedom to think carefully about your decision. Loved him!read more

Julie I.

21:52 01 Jul 19

Derek was FANTASTIC! He is a true real estate professional who knows the real estate market, is thorough in his work, honest, trustworthy, and goes above and beyond to get the job done. I highly recommend him. He did an outstanding job! Julieread more

Robert J.

17:50 24 Jun 19

Derek was very knowledgeable about the local market, calm, experienced and professional. He made the whole process as smooth as it could be.

Drew B.

23:16 28 May 19

I recently had the pleasure of working with Steve Saner on the purchase of a property. Steve is an excellent Realtor who truly cares about the needs of his clients, and routinely goes above and beyond to ensure their satisfaction. He is exceptionally knowledgeable about the intricacies of the local real estate market. I highly recommend Steve, and look forward to working with him in the future!read more

Michele J.

13:53 06 May 19

Steve Saner was an amazing agent. He was so knowledgeable and caring. He went above and beyond for our family assisting with a sale of our condo. We are truly grateful to have him as our agent.read more

Riley S.

20:47 12 Mar 19

Derek was very professional and non pressuring. He was able to listen to what we were looking for and laser focus in on properties that met our criteria. Derek was able to iron out the issues in a complicated transaction that led ultimately to a smooth transition to ownership.read more

Bob F

17:22 10 Mar 19

Derek Anderson is a phenomenal agent, very knowledgeable and extremely responsive. He made the process of purchasing, setting up inspections and closing much easier than we anticipated, all while living in the Chicago area. We found our dream condo in Naples thanks to Derek's help. He is the best and highly recommend him!read more

Janet M.

20:21 21 Feb 19

Jamie Henry is amazing!! She was responsive, gave us great advice, and made the process of finding our new home as well as the move, painless. Jamie is very knowledgable about the Naples area. We love the place she helped find for us - it has everything we sought and we couldn't be happier.read more

andrew H.

14:55 09 Feb 19

Douglas was an excellent realtor for us! We needed a home quickly and Douglas was knowledgeable about the area, schools, and negotiated a great price for us. We will use him forever!!!read more

Michael G.

01:07 03 Feb 19

I want to thank Douglas Olmsted for his help in finding me the right properties. On two separate occasions, Douglas found exactly what I was looking for without showing me a bunch of properties that didn't fit my criteria.He was very helpful anticipating the do's and don'ts of each purchase. I took it for granted that all Realtors were that good until I moved out of state and had to use another agent. Now I have a greater appreciation for his professionalism and expertise.read more

David R.

23:42 01 Feb 19

Douglas Olmsted is a phenomenal agent. He has represented us several times as both a buyers and sellers agent. On one occasion he was instrumental in getting our property sold when he assisted the buyers’ in increasing their appraisal for their loan. He noticed the errors in the appraisal whereas the buyers’ agent was content with letting the sale fail. On another occasion he was tireless in finding our dream bay front property. He realized we ultimately wouldn’t be thrilled with the property we had originally targeted. We will continue to use him and White Sands for all future real estate transactions.read more

Betsy A.

14:45 01 Feb 19

Douglas is an amazing agent; extremely knowledgeable and responsive. He led us through the home buying process smoothly and left us nothing to worry about. He understood our wishes/concerns and kept those in the forefront during the home-buying experience.read more

Brian B.

21:05 21 Jan 19

My wife and I had a quick and painless experience with our move down to Naples with only a 4 day timeframe for purchase over our travels. Jaime Henry was always very responsive and knowledgeable with all questions we had. She met our needs and flexibility with small children throughout the process as well as our timeframes. We would highly recommend her to others!read more

Dana Z.

01:54 09 Jan 19

Derek Anderson is a top notch agent. I am an agent in Michigan and I was searching for a stellar agent to help my client sell her condo in the Naples area. I spent endless hours researching agents in the area, making phone calls, etc., and then I found Derek... I felt more than confident he would serve my client best. And sure enough, he did just that! He sold my clients condo in less than a month for a price she was proud of. I personally validate Derek Anderson is an above average, way more than average, agent. I highly recommend him for any real estate purposes.read more

sally G.

17:14 04 Jan 19

troy h

19:53 15 Oct 18

Jamie Henry was great to work with, she was very knowledgeable and honest regarding the area and the details of the home we leased. She always responded quickly and accurately and was willing to answer my questions even after we moved in. I would recommend her to anyone buying, selling or leasing a home!!!read more

Andrea A.

19:58 10 Oct 18

My husband Dave and I had the pleasure of working with Derek Anderson! We were not sure of the exact area of where we wanted to purchase a home. He was so patient with showing us many options and very knowledgeable about the different areas.We worked with him for a few days until we made our decision. He was fantastic every step of the way!I would highly recommend Derek to help you find your house that you will soon call your home. Thank you!read more

Jill T.

20:04 04 Oct 18

Ryan is an friendly, outstanding, and knowledgeable realtor. I'm glad Ryan was in our corner. He goes out of his way to find the right community/home that you are looking for. Ryan knows how to get things done and goes all out to make his clients happy. I would definitely recommend Ryan to anyone who plans to move in this area.read more

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