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How to Buy a Home

in 7 Simple Steps

                  Determine Your Finances

                  • Credit score: Chances are you’ll need a credit score of at least 620 to get a conventional mortgage loan. Higher is obviously better.
                  • Down payment: Determine how much money you can spend upfront on the house. For most loans, you’ll need a down payment of anywhere between 10% and 20%.
                  • Closing costs: These are the final costs and fees associated with buying a new home. Closing costs for buyers in Florida can end up totaling between 2% to 5% of the total costs. So a $200,000 home would be between $4000 and $10,000.
                  • Extra homeownership costs: These are also known as maintenance costs, and you can estimate them to be about 1% of the home’s total worth each year, at least at first

                  Get Pre-Approval for the Mortgage

                  • Interest rates: Lower is usually better, as it can result in you saving thousands of dollars over the years. The better your credit score, the lower your interest rate.
                  • The down payment required: Some loans require high down payments, while others can go as low as 5% (especially if you are a first-time homebuyer).
                  • Terms: Most mortgages come with either 15-year or 30-year terms. Longer mortgages take longer to pay off, but you’ll pay less per month, even if you pay more over the long term.  

                  Choose a Florida Real Estate Agent

                  There is no better choice than the Florida Real Estate Girl! She knows the area and will get you the best deal.

                  Begin Searching for Your Home

                  Once you have all the previous items checked of your list, you can finally start looking for your new Florida dream home! This is likely going to be the most time-consuming part of the process, but with the help of the Florida Real Estate girl, you will find your perfect home for the perfect price. 

                  Since there are a lot of homes on the market, it’s often helpful to narrow down things into stuff you “must” have versus things that would be just nice to have. For instance, maybe you need two bathrooms, but a home with three is icing on the cake.

                  Submit Offers

                  Once we have found a perfect home for you, the next step to buying that home is to make an offer to the seller. There are a few key things to keep in mind:

                  • It’s always important to move fast, as sellers usually get rid of their homes quickly. Don’t wait around to make an offer, as most Florida homes only spend about 30 days on the market before a reasonable offer is made.
                  • Don’t always default to offering a higher price to convince a seller to sell to you. Sometimes, you can just cover things like closing costs to make things easier on the seller, making your offer more attractive.

                  Do Appraisals and Inspections

                  The next step in buying a house consists of due diligence. Even after you make an offer and a seller accepts that offer, you should still get inspections and appraisals of the property to make sure that nothing is out of order. I will find you a  licensed home inspector to check things like a house’s roof, electrical system, HVAC system, plumbing, and so on.

                  Hiring someone to do a professional appraiser ensures that the house is actually worth your offer, and the seller isn’t taking advantage of you.

                  Final Checks and Closing Agreements

                  If you’ve made it this far, you’re almost there! Now it’s just time to dot your I’s and cross your T’s. We will do a final inspection of the home and test all the appliances, then perform the closing agreements with the Title Company. They will make sure the paperwork is in order and well insure all parties have signed the proper paperwork and all funds have been credited and debited properly.