Buyer services
Buying with Mary
Buyer representation in Florida — with mortgage and insurance under the same roof.
Your buyer's agent
Start your search with Mary
Buying a home is a series of decisions — what to offer, what to waive, when to walk away — and every one of them is easier with a licensed professional in your corner. Mary Alice Lundy is a broker associate, realtor® with Alliance Realty & Financial Services, based in Jacksonville, FL and licensed for real estate in Florida.
From the first conversation, Mary works from your criteria — neighborhoods, schools, commute, budget — and keeps the search honest: homes that fit, priced on real comparable sales, with the trade-offs spelled out before you fall in love with a listing.
And because Alliance is a brokerage, mortgage originator, and insurance agency in one company, the questions that stall most purchases — “what can I actually afford?”, “can I close on time?”, “what will insurance cost?” — get answered in-house instead of bounced between three vendors.
The process
Your buying journey, step by step
Step 1
Consultation
A no-pressure conversation about your goals, budget, timeline, and must-haves. Mary maps out what is realistic in your target market before you look at a single home.
Step 2
Pre-approval
Get pre-approved before you tour so your offer carries weight. Alliance originates mortgages in-house, so financing questions get answered by the same company guiding your search.
Step 3
Home search
Mary sets up a tailored MLS search, previews candidates against your criteria, and schedules showings — so you spend weekends touring homes worth your time.
Step 4
Offer & negotiation
When you find the one, Mary builds a competitive offer from comparable sales and negotiates price, terms, and contingencies on your behalf.
Step 5
Due diligence
Under contract, Mary coordinates the inspection, appraisal, title work, and insurance binder — tracking every contingency deadline so nothing slips.
Step 6
Closing day
A final walk-through, a review of your closing figures, and the keys are yours. Mary stays your point of contact long after the papers are signed.
The Alliance advantage
Brokerage, mortgage, and insurance — one company
Alliance's Broker/Owner, Dr. Kareem Tannous (NMLS #850965), originates mortgages in FL, GA, MD, PA, TX — so Mary's buyers can shop with an in-house pre-approval and keep financing, real estate, and insurance moving on one shared timeline.
In-house mortgage
Conventional, FHA, VA, and more — originated by the same company handling your purchase. One roof means your agent and your lender are never pointing fingers at each other. Licensed in FL, GA, MD, PA, TX.
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In-house insurance
Your lender will require a homeowner's policy before closing. Alliance's insurance side can quote it while you're still under contract, so the binder never holds up your closing date.
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A pre-approval letter is the strongest first move a buyer can make — sellers take offers seriously when the financing is already vetted. Start yours in minutes.
Start a pre-approval →Buyer tools
Run the numbers before you tour
Payment calculator
Estimate your monthly principal, interest, taxes, and insurance for any price point — before you set your search range.
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Rent vs. own
Compare the long-term cost of renting against buying, including equity build-up, to see when ownership starts paying you back.
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Browse properties
Search Alliance-brokered listings and the full MLS to get a feel for what your budget buys in your target neighborhoods.
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Representation
What a buyer's agent actually does for you
The listing agent works for the seller — their job is to get the seller the best price and terms. A buyer's agent is the counterweight: a licensed professional whose duty runs to you, from the first showing to the closing table.
In most transactions the buyer's agent's compensation is paid out of the transaction itself, so professional representation comes at no direct cost to most buyers. Mary reviews and puts the exact terms in writing with you up front, before you tour your first home — no surprises.
- Advises on what a home is really worth, using comparable sales — not the list price.
- Structures and negotiates your offer: price, contingencies, credits, and timelines.
- Coordinates inspections, appraisal, title, and insurance so contingency deadlines never slip.
- Flags red points in disclosures and inspection reports before they become your problem.
- Handles the paperwork and keeps every party — lender, title, seller’s side — on schedule.
Ready to start looking with Mary?
Tell Mary what you're looking for — neighborhoods, budget, timeline — and get a plan for your purchase in Florida.
Contact Mary →Ready to start?
Apply in minutes through our secure application portal, or schedule a call with our team.