When searching for a home, a real estate professional can help you throughout the process by showing you properties in your preferred community, answering any questions you have, helping you with paperwork, and of course helping you to negotiate an offer when you choose a home. When going through this very important process, it's important to work with a real estate expert you can trust.
Financial Preparation
Obtain a full mortgage pre-approval or provide proof of funds. In Florida’s competitive markets, strong documentation strengthens your offer immediately.
Property Evaluation
Evaluate not just the home, but flood zone designation, roof age, wind mitigation features, HOA rules, and long-term resale positioning.
Offer & Contract Terms
Most Florida transactions use the FAR/BAR contract. Price, escrow deposit, inspection period, financing terms, and closing timeline are negotiated upfront.
Escrow Deposit
Earnest money is delivered to a title company or escrow agent and held securely until closing.
Inspection Period
Florida contracts typically include a defined inspection period. During this time, buyers may negotiate repairs, request credits, or cancel within the agreed timeframe.
Insurance Underwriting
Homeowners and flood insurance are finalized during the inspection period. Roof age and wind mitigation reports heavily impact approval and cost.
Condo & HOA Review (If Applicable)
For condos, review budgets, reserves, milestone inspection status, Structural Integrity Reserve Studies (SIRS), and any pending special assessments.
Title Search & Clearance
Florida is a title state. The title company conducts a search to confirm clean ownership and identify any liens or encumbrances.
Final Walkthrough
Shortly before closing, the property is re-checked to ensure agreed repairs are complete and condition remains consistent.
Closing & Recording
In Florida, documents are signed, funds are verified, the deed is recorded, and then ownership officially transfers. Many closings can be handled remotely.