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