Buying a home in South Florida, step by step

Buying here comes with a few things buyers elsewhere rarely face: high insurance costs, flood zones, HOA and condo approvals and inspections that insurers rely on. I'll guide you through each one so your offer is strong and your budget holds.

1. Get pre-approved

A pre-approval tells you your real price range and shows sellers you're ready. I can introduce you to trusted local lenders, including ones who work with FHA, VA and down payment assistance programs. What credit score do you need?

2. Know your full monthly cost

Taxes, insurance and HOA dues can add a third or more to your mortgage payment. Use the mortgage calculator to see the full number.

3. Sign a buyer agreement and start touring

Before we tour homes together, we sign a written buyer agreement that spells out my services and how I'm paid. I'll explain it in plain language; my compensation is negotiable.

4. Make a strong offer

I review recent sales, the home's history and the seller's situation to shape a price and terms that win without overpaying.

5. Inspect, insure and appraise

Your inspection period is your chance to learn the home inside out. In Florida, a 4-point inspection and wind mitigation report often decide your insurance cost, so we schedule them early.

6. Close and move in

I track every deadline in the contract, coordinate with your lender and title company and walk the home with you before closing. What not to do while you're under contract

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