1. Define Your Goals & Budget
Determine why you’re buying — primary residence, vacation home, or investment. Establish a comfortable budget that considers: purchase price, property taxes, insurance (including flood and wind), HOA or condo fees, maintenance, and utilities.
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2. Get Pre-Approved for a Mortgage
Obtain a written pre-approval to define your price range and strengthen offers. Ask lenders about rate locks, closing costs, and local programs.
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3. Choose a Local Realtor®
Partner with a Southwest Florida expert familiar with coastal markets, flood zones, and deed restrictions. A local agent can guide you through neighborhood values, amenities, and lifestyle differences.
4. Start House Hunting
Tour homes that fit your lifestyle: Gulf-front, canal, gated, or maintenance-free condos. Review flood zone designations and insurance needs.
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5. Make an Offer
Use Florida’s “As-Is” Residential Contract for Sale and Purchase with contingencies (financing, appraisal, inspection, clear title). Negotiate closing costs or furnishings.
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6. Conduct Inspections
Hire licensed professionals for full inspections—structure, roof, pest, seawall, and wind mitigation.
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7. Secure Homeowners & Flood Insurance
Get quotes early. Flood and wind coverage may be required. A 4-point and wind mitigation report can lower premiums.
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8. Finalize Financing
Submit documents promptly, review the Closing Disclosure, and confirm loan commitment.
9. Conduct a Final Walk-Through
Ensure repairs are complete and the property is in expected condition.
10. Attend Closing
Review and sign all loan and title documents, pay closing costs, and receive keys!
11. After Closing
File for Florida Homestead Exemption by March 1, transfer utilities, and arrange for home watch if seasonal.
Congratulations on your new home!