The process
The buyer's path, from start to keys.
Buying in Florida follows a clear sequence. The buyers who move smoothly are the ones who follow it in order: financing before shopping, criteria before showings, and due diligence before the offer. Here is the path, with the checklists that keep each step on track.
Financing first
Pre-approval, budget, and the real monthly cost including taxes, insurance, and association fees.
The search
Criteria, neighborhoods, and a shortlist of public and off-market candidates matched to your brief.
Offer and diligence
An offer built from comparables, then inspection, title, and association document review.
Closing
Every deadline and document managed to closing day, when the keys are yours.
The checklists
What to have ready at each step.
Before you shop
- Pre-approval letter from a lender
- Budget that includes taxes, insurance, and fees
- A shortlist of neighborhoods that fit your life
Before you offer
- Comparables and a defensible offer price
- Association documents and reserve review
- Inspection scheduled within the contract window
Questions buyers ask
The details buyers want first.
What are the typical closing costs for a Florida buyer?
Buyers typically pay closing costs in the range of 2% to 4% of the purchase price, covering lender fees, title insurance, recording, and prepaids. The exact figure depends on the loan and the property, and we itemize it before you make an offer.
How much should I budget for a down payment?
Conventional loans commonly allow 3% to 5% down, FHA allows as little as 3.5%, and some programs offer assistance. Luxury purchases are often structured differently, and we model the real numbers for your situation.
What should I check in a condo association before buying?
Reserves, pending assessments, rental rules, insurance coverage, and the association's financial health. In Florida's condo market these documents can change the value of a unit dramatically, and we review them on every purchase.
Buyer guidance
Get the guide, and the guidance.
Tell us where you are in the process and we will send the guide that fits, along with a personal read on your next three steps.
Checklists for every step of the purchase
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