For Buyers

Here’s a First-Time Homebuyer Checklist for Florida that walks you from search to closing, tailored for a smooth, stress-free experience:

🏡 1. Financial Prep & Pre-Approval

Review your credit score and fix any issues. Set a realistic budget (factor in taxes, insurance, HOA fees).

Get pre-approved from a lender for a clear price range.

🔍 2. Define Your Must-Haves

List essential features (bedrooms, location, yard size).

Consider Florida-specific needs: hurricane shutters, impact windows, newer roof (post-2002 code), flood zone status, and elevation certificate.

📍 3. Start Your Search

Use MLS listings, local agents, and open houses.

Compare neighborhoods for commute, schools, and amenities.

Keep a “house hunting checklist” to rate each property.

🛠 4. Due Diligence Before Offer

Research property history and HOA rules.

Check for termite bonds, past insurance claims, and flood risk.

Estimate insurance costs (windstorm, flood).

✍️ 5. Make an Offer

Work with your agent to submit a competitive offer.

Include contingencies for inspection, financing, and appraisal.

🔎 6. Inspection & Appraisal

Hire a licensed Florida home inspector.

Review inspection report and negotiate repairs or credits.

Lender orders appraisal to confirm value.

📑 7. Secure Financing

Lock in your interest rate.

Provide all required documents promptly to your lender.

📜 8. Title & Insurance

Choose a title company to handle closing.

Get title insurance to protect against ownership disputes.

Finalize homeowners and flood insurance policies.

🖊 9. Final Walkthrough

Ensure agreed repairs are complete.

Confirm property condition matches contract terms.

🔑 10. Closing Day

Review and sign all documents.

Pay closing costs and down payment.

Receive your keys and celebrate your new Florida home!