Signature Realty Logo CMYK Small

MacKay and MacKay       
Signature Realty Associates®
               ”In Your Neighborhood , At Your Service”

Jim and Pam MacKay
“Bringing Buyers & Sellers Together”

Realtors, Property Managers, Real Estate Agents, Listing Agents, Buyers Agents, Leasing Agents, Property Management Services. Home Searches.
Homes For Sale, Homes For Rent, Land For Sale, Building Lots For Sale, Investment Properties, Waterfront and Riverfront Homes, Rental Homes & Offices
Brandon, Fl. Lithia, Fl. FishHawk Ranch, Fish Hawk Trails, Fl. Valrico, Fl. Bloomingdale, Fl. Riverview, Fl. Durant, Seffner & Other Tampa Florida Areas.


Buyers Services

Buying Your First Home, Investment Home or Vacation Home.
A Building Lot, Land Parcel Or Office Building
We Will Help You Find That Property!!!

People Looking At Home

Click Here For Our FREE Home Buyers Guide

Visit Our Free Home Search Page To Find Out How We Can Set Up A FREE
Automated “New Home Search” For You Today

Do You Need To Sell Your Existing Home?
We Can Also Help You With Selling Your Home!!

Click Here To Visit Our Sell Your Home Page

Knowledge And Experience
Knowledge and experience are the keys to successful real estate transactions.  REALTORS like Jim and Pam have an enormous amount of valuable information, and such data  combined with the expertise, experience and training can be the  essential keys to your success when purchasing a home.

One of the keys to making the home-buying process easier and more understandable  is planning. In doing so, you'll be able to anticipate requests from  lenders, lawyers and a host of other professionals. Furthermore,  planning will help you discover valuable shortcuts in the home-buying  process. We are here to help you with the planning process.

Do You Know What You Want?
Whether you are a first-time home buyer or entering the marketplace as a repeat buyer, you need to ask why you want to buy. Are you planning to move to a new community due to a lifestyle change or is buying an option and  not a requirement? What would you like in terms of real estate that you  do not now have? Do you have a purchasing time frame?

Whatever your answers, the more you know about the real estate marketplace, the  more likely you are to effectively define your goals. As an interesting  exercise, it can be worthwhile to look at the questions above and to  then discuss them in detail when meeting with us.

Do You Have The Money?
Homes and financing are closely intertwined. (Financing is the difference  between the purchase price and the down payment, commonly referred to as debt or the mortgage.) The good news is that over the years new and  innovative loan programs have evolved. We can advise you of all available options in the market today.

In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing the loan).

Not everyone, however, elects to purchase with little or no money down.  Less money down means higher monthly mortgage payments, so most home  buyers choose to buy with some cash up front.

As to closing costs, in markets where buyers have leverage, it may be possible to negotiate an offer for a home that requires the owner to pay some or all of your settlement expenses. Speak with us for details.

Is Your Financial House in Order?
Those great loans with little or nothing down are not available to everyone:  You need good credit. For at least one year prior to purchasing a home,  you should assure that every credit card bill, rent check, car payment  and other debt is paid in full and on time.

Here are some tips to help determine which house is best for you.

Once you've settled on a couple of neighborhoods for your search, it's time  to pick out a few homes to view. Your wish list can remind you which  features are absolute requirements and which amenities you'd like to  have if possible. When narrowing down your home search, consider:

Types Of Homes
In addition to single family homes (one home per lot), there are other forms of home ownership:

  • Multifamily homes: Some buyers,  particularly first-timers, start with multiple family dwellings, so  they'll have rental income to help with their costs. Many mortgage  plans, including VA and FHA loans, can be used for buildings with up to  four units, if the buyer intends to occupy one of them.
  • Condominiums: With a condo, you own  "from the plaster in" just as you would a single house. You also own a  certain percentage of the "common elements" -- staircases, sidewalks,  roofs and the like. Monthly charges pay your share of taxes and  insurance on those elements, as well as repairs and maintenance. A  homeowners association administers the development.

Home Purchase Considerations
Most buyers' first consideration, after neighborhoods are chosen, is the  number of bedrooms. As you begin to view homes, keep the following  purchase and resale considerations in mind:

  • Weigh your needs, budget and  personal tastes in deciding whether you want a home that is a newly  constructed home, an older home or a home that requires some work -- a  "fixer-upper."
  • One-bedroom condos are more difficult to resell than two-bedroom ones.
  • Two - bedroom / one-bath single houses  generally have less appeal than houses with three or more bedrooms, and  therefore less appreciation potential.
  • Homes with "curb appeal" (a  well-maintained, attractive, and charming view-from-the-street  appearance) are the easiest to resell.
  • When resale is a possibility, don't  buy the most expensive house on the street, or anything that is unusual  or unique. The best investment potential is traditionally found in a  less expensive, more moderately sized home on the street.

Home Comparison Chart
While house-hunting, it's a good idea to make notes about what you see  because viewing several houses at a time can be confusing. Use a home  comparison chart to help you keep track of your search, organize your  thoughts and record your impressions.

When You Have Found The Right Home
Before you begin the home buying process, resolve to act promptly when you  find the right house. Every REALTOR® has stories to tell about a couple  who looked far and wide for their dream home, finally found it, and then revealed that "we always promised my Dad we'd sleep on it, so we'll  make an offer tomorrow." Many times the story has a sad ending --  someone else came in that evening with an offer that was accepted.

Resolve at this point that you will act decisively when you find the house  that is clearly right for you. This is particularly important after a  long search or if the house is newly listed and / or under priced

For more Information on our Buyers Services
Please call us at (813) 655-4920 or Email us at

All properties are offered subject to the Federal Fair Housing Act which makes it illegal to advertise any preference, limitation, or  discrimination based on race, color religion, sex, country of national  origin, handicap, or familial status.
Equal Housing Logo


Below Are Some Helpful Links When Moving Within Or To Hillsborough County Florida.
Hillsborough County School Information, Real Estate, Emergency, Utility Services Providers, Hillsborough County Service Links & Local Sports Links.


Locate Which Hillsborough County Schools Are Assigned To A Specific Home Address
(After The Page Loads Click On “Find Your Local School” And Enter The Home Address You Are Interested In)

What To Do Before The Storm   Real Estate Glossary   Free MLS Search   Whats Your Home Worth Today?
Hillsborough County School Information Main Web Page   Hillsborough County Building Dept.   Tampa Electric Co. (TECO) 
TECO - Peoples Gas  Hillsborough County Water Dept.   Hillsborough County Emergency Management   Verizon
 Bright House   Heritage Propane - Gas   Hillsborough County Animal Services   Hillsborough County Code Enforcement  
Hillsborough County Clerk Of The Circuit Court   Hillsborough County Property Appraiser
Free Monthly Housing Trends News Letter - See What The Current Housing Market Is Doing In Your Area
FREE Home Sellers Guide   FREE Home Buyers Guide   Hillsborough County School Grades
Tampa Bay Buccaneers Football   Tampa Bay Rays Baseball    Tampa Bay Lighting Hockey

Rental Application Button.jpg 2
Click Here If You Are Applying For One Of “Our” Rental Listings

Disclaimer: All information on this web site and any connected links are deemed reliable, but not guaranteed and should be independently verified by each user.
By using this web site you are agreeing to independently verify all information obtained from this web site or any links through this web site.
This web site is designed and developed to help inform and educate our users.

“Knowledge = Success”

What We Do: Realtors, Property Managers, Real Estate Agents, Leasing Agents, Buyers Agents, Listing Agents, Sellers Agents, Property Managers, Property Management Companies, Homes For Sale,  Houses For Sale, Homes For Rent, Houses For Rent, Building Lots For Sale, Land For Sale, Town Homes for Sale and For Rent, Condominiums For Sale and For Rent
Cities We Serve: Valrico, Lithia, FishHawk Ranch, Fish Hawk Trails, Riverview, Channel Side, Davis Island, Harbor Island, Hyde Park, Ybor City, Apollo Beach, Ruskin, Tampa, Plant City, Seffner, Mango, Durant, Keysville, Gibsonton, South Shore, Sun City Center Florida, South Shore.
Communities We Serve: FishHawk Ranch, Fish Hawk Trails, Bloomingdale, Riverhills, River Hills Country Club, Twin Lakes, Boyette Springs, Lake St. Charles, Panther Trace, Wellington, Boyette Farms, Moss Creek, Rivercrest, Lakes Of Cristina, Ashley Oaks, River Ridge Reserve, South Point, River Bend, Bonterra, Mira Bay, Apollo Beach, Lithia Ridge, lithia Ranch, Mason Oaks, Canterbury, Bentwood Hills, Copper Ridge, Somerset, River Glen, Boyette Creek, Indian Hills, Waterford, Hickory Lakes, Stoner Woods, Shadow Run, Moss Landing, Summerfield, Timber Pond, Timber Creek, Brandon Brook, Arista, Diamond Hill.