Once you find the right home, your agent will help you submit a contract.

Your lender will require an appraisal to ensure the home is worth the loan amount. Simultaneously, a title company will: Check for liens or unpaid property taxes.

In Florida, the inspection phase is the most critical part of the process.

A specialized inspection that can significantly lower your insurance premiums by proving the house resists high winds.

Ensure your closing costs are wired 24–48 hours in advance.

Consider Florida-specific programs like "Hometown Heroes" for down payment assistance.

Many Florida communities have strict associations; review their bylaws early.

Include a competitive escrow deposit (usually 1–3% of the price). Set a realistic closing date (typically 30–45 days). 6. Perform Inspections and Due Diligence

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