Buying a House in Florida

Finally ready to buy a home ? This is what you must do buying in Florida

1. Decide Where You Want to Live
Before anything else, you need to decide where you want to live. Start by thinking about what you want to get out of your new home — do you want something by the beach? A retirement community? Someplace in the city? A place to raise a family?
Next, look at some city-level stats for cities that fit the bill. Look into the median home values to see what areas will fit your budget and check out the expected short and long-term growth to see which cities are a good investment. Research any other features that may influence your decision, such as crime rates, school rankings, etc.
 
 
2. Find a Great Florida Real Estate Agent
Finding a great local real estate agent is the most important step in the home buying process. Your real estate agent will be your partner over the coming months, guiding you through the often complex real estate transaction process and listening to your needs to help you find the right home for you.
A good real estate agent will draw upon their years of experience to help you negotiate better deals, find properties that suit your needs, and time the market.
Clever matches buyers with top agents in your area. Plus, after closing, qualifying buyers receive 0.5% of the purchase price back on homes over $150,
 
 
3. Assess Your Needs and Set a Budget
Look into your finances to set a maximum amount that you can budget for a house. Assess your income, assets, and savings. It can be a good idea to consult a financial advisor at this point in the home buying process.
Once you have a budget set, speak with your real estate agent to get an idea for what areas and what types of properties you can realistically afford. Be realistic: don't set your sights on a mansion when you have a bungalow budget.
 
 
4. Start House Hunting
Look through local listings and ask your realtor for property recommendations. Once you've found a few houses that you like, ask your real estate agent to set up showings for you.
Be sure to attend open houses, even for houses you're not particularly interested in. Sometimes it can be equally valuable to find out what you don't like.
 
 
5. Make an Offer
Consult your real estate agent and draft up an offer. Your realtor can advise you on how to make a competitive offer based on your local market conditions.
When you make an offer, you'll need to provide a good faith deposit. This is usually 1-3% of the purchase price but can be more in competitive markets. The higher your good faith deposit, the more competitive your offer will be.
If your offer is accepted, you will enter into a purchase agreement. You must discuss what contingencies to include with your realtor.
 
 
6. Secure Financing
Unless you plan to buy your home with cash, you'll need to apply for a mortgage. For most home buyers in Florida, interest rates are among the biggest factors when choosing a lender. Doing a little upfront research and comparing options to find the best rates could save you tens of thousands of dollars over the life of your loan.
For example, in Florida a typical house is worth $262,000. Assuming a 20% down payment, if you took out a 30-year mortgage for 3.5%, your monthly payment would be $935. But if you shopped around and found a 3% mortgage, your monthly payment would drop to about $884.
Getting a mortgage is a big decision – and it pays to shop around! Keep shopping until you find a lender with competitive rates who also understands your goals. Don’t get pressured into taking on a bigger loan than you’re comfortable with – work with a lender who explains what you’re really signing up for.
It’s easy to start your home buying journey – answer a few questions to get instantly matched with a lender who works in your area.
 
 
7. Negotiate for the Best Possible Price
The average person doesn't have the negotiation experience necessary to successfully negotiate a real estate deal, so your realtor will be invaluable at this point in the process. They will draw upon their years of experience in the markets to help negotiate a great price for you.
When negotiating, make sure you understand the seller, know the market, and negotiate after the inspection. This will give you the best chances for success.
 
 
8. Close the Deal
Before the closing takes place, you will often do a final walkthrough, and the title company will perform a title search. If everything comes up clear, and the walkthrough is satisfactory, you'll sit down at the closing table with the seller to sign the final paperwork.
You'll pay the remainder of your down payment, the title company representative or attorney will record the transaction with the municipality, and you'll receive the keys. Congratulations — the house is now yours!
The home buying process can be complex and difficult to navigate. If you're planning to buy a house in Florida, an experienced local real estate can help you get the best deal on your new home.
Clever partners with top-rated full-service real estate agents from major brands like Keller Williams, Century 21, and RE/MAX who will help guide buyers through the difficult home buying process. And when you work with a Clever Partner Agent, you could be eligible for 0.5% of the purchase price back after closing (for homes worth over $150,000).
Want to learn more? Fill out our form to get in touch with a top-notch Florida real estate and set up a free, no-obligation consultation.

Testimonials

ronj524

Tanya was wonderful she jumped through hoops and did everything possible to make my home buying experience as easy as possible. At no point did she give up as soon as she found any place that fit my needs she would contact me. I would recommend her for anyone buying a home.

Bought a Townhouse home in 2017 for approximately $150K in West Palm Beach, FL.

AAA International Realtors
5
2017-07-31T04:07:23+01:00

Bought a Townhouse home in 2017 for approximately $150K in West Palm Beach, FL.

Tanya was wonderful she jumped through hoops and did everything possible to make my home buying experience as easy as possible. At no point did she give up as soon as she found any place that fit my needs she would contact me. I would recommend her for anyone buying a home.

kamru80

We bought our first house in Royal Palm Beach, FL through Tanya and she did an awesome job. Being an out of town buyer I needed someone who would go the extra mile for me and Tanya did just that. She is prompt and her local knowledge is good. I highly recommend her to anyone looking to buy a house in south Florida, trust me you will be very happy.

Bought a Single Family home in 2016 for approximately $500K in Royal Palm Beach, FL.

AAA International Realtors
5
2017-07-31T04:14:35+01:00

Bought a Single Family home in 2016 for approximately $500K in Royal Palm Beach, FL.

We bought our first house in Royal Palm Beach, FL through Tanya and she did an awesome job. Being an out of town buyer I needed someone who would go the extra mile for me and Tanya did just that. She is prompt and her local knowledge is good. I highly recommend her to anyone looking to buy a house in south Florida, trust me you will be very happy.

majese

I like Tanya the moment I met her. I had been looking for over a year without success with another realtor in the beginning. Tanya was recommended to me by a coworker friend who had just bought a home.
Tanya was very down to earth and honest yet gentle. Looking back now the process was rather fast paced.
I highly recommend Tanya and her group of people that work with her. They got me preapproved and closed in record time.

Bought a Single Family home in 2015 for approximately $225K in Boynton Beach, FL.

AAA International Realtors
5
2017-07-31T04:40:01+01:00

Bought a Single Family home in 2015 for approximately $225K in Boynton Beach, FL.

I like Tanya the moment I met her. I had been looking for over a year without success with another realtor in the beginning. Tanya was recommended to me by a coworker friend who had just bought a home. Tanya was very down to earth and honest yet gentle. Looking back now the process was rather fast paced. I highly recommend Tanya and her group of people that work with her. They got me preapproved and closed in record time.

Albert Milano

Tanya was amazing her extensive knowledge was extremely helpful. She really cares about her clients. I have been looking to sell my home and get into a new one. Other agents I worked with seemed to not remember I'm the client. I was treated unfairly. Tanya went over and beyond for me working around the clock to find me a buyer. We finally found one and due to her persists cd and due diligence I have successfully sold my home and i am living in my dream condo. Thank you Tanya you are truly a rock star and I will be getting you many referrals!

Sold a Condo home in 2015 in Three Lakes, Lauderdale Lakes, FL.

AAA International Realtors
5
2017-07-31T04:51:38+01:00

Sold a Condo home in 2015 in Three Lakes, Lauderdale Lakes, FL.

Tanya was amazing her extensive knowledge was extremely helpful. She really cares about her clients. I have been looking to sell my home and get into a new one. Other agents I worked with seemed to not remember I'm the client. I was treated unfairly. Tanya went over and beyond for me working around the clock to find me a buyer. We finally found one and due to her persists cd and due diligence I have successfully sold my home and i am living in my dream condo. Thank you Tanya you are truly a rock star and I will be getting you many referrals!

minney532

Once you tell her exactly what your looking for and your budget she will go to the moon and back to find a house for you. There was times I wanted to give up but she didn't allow me to give up. ANYTIME of the day that i need her she was reachable. Today me and my husband are in our beautiful home  because of her. She's the real definition of a realtor.

Bought a Single Family home in 2015 in West Palm Beach, FL.

AAA International Realtors
5
2017-09-07T04:24:54+01:00

Bought a Single Family home in 2015 in West Palm Beach, FL.

Once you tell her exactly what your looking for and your budget she will go to the moon and back to find a house for you. There was times I wanted to give up but she didn't allow me to give up. ANYTIME of the day that i need her she was reachable. Today me and my husband are in our beautiful home  because of her. She's the real definition of a realtor.

colonwhite11

Tanya is the best. Not only did she find me a house. She was there every step of the way. She help me gather the paperwork needed to close within 30 days to close. She is fantastic.

AAA International Realtors
5
2017-09-07T04:27:46+01:00
Tanya is the best. Not only did she find me a house. She was there every step of the way. She help me gather the paperwork needed to close within 30 days to close. She is fantastic.

jmehrten

Tanya is exactly what a real estate agent should be and most aren't. she is real, genuine, and listens to you. She works with you , and with your schedule, and aggressively seeks to put you in a house.

AAA International Realtors
5
2017-09-07T04:29:23+01:00
Tanya is exactly what a real estate agent should be and most aren't. she is real, genuine, and listens to you. She works with you , and with your schedule, and aggressively seeks to put you in a house.

stvgarn3

My husband and I met with Tanya once and during our ride along viewing houses we came across this lovely 3 bedroom 2 bath single family home. The house looked amazing however there were 3 other couples looking at the same house! I so wanted this house and Tanya hit the grown running (along with  the other agents that were there with the other couples) making calls to land the deal on the house. The level of Tanya's expertise and knowledge is what made my husband and I get that house! Its been 3 weeks now living in our new home and we're loving every minute!!

AAA International Realtors
5
2017-09-07T04:32:04+01:00
My husband and I met with Tanya once and during our ride along viewing houses we came across this lovely 3 bedroom 2 bath single family home. The house looked amazing however there were 3 other couples looking at the same house! I so wanted this house and Tanya hit the grown running (along with  the other agents that were there with the other couples) making calls to land the deal on the house. The level of Tanya's expertise and knowledge is what made my husband and I get that house! Its been 3 weeks now living in our new home and we're loving every minute!!

jjorr

Tanya is the BEST!! She is prompt, curious, interested, knowledgable, and just a very pleasant person to deal with, she never gives up and I will deal with her when I am ready to buy or rent...

AAA International Realtors
5
2017-09-07T04:34:00+01:00
Tanya is the BEST!! She is prompt, curious, interested, knowledgable, and just a very pleasant person to deal with, she never gives up and I will deal with her when I am ready to buy or rent...

star969

When I called to talk with Tanya she would call back in a reasonable time. Always had hand outs of the property we were gonna look at. Always helpful with questions and had answers.

AAA International Realtors
5
2017-09-07T04:35:38+01:00
When I called to talk with Tanya she would call back in a reasonable time. Always had hand outs of the property we were gonna look at. Always helpful with questions and had answers.

brendacjohnson

We found Tanya to be knowledgeable, have the latest information on homes that were available, detail oriented, and quite responsive to our requests and questions. She had our home sold within three weeks of listing which she predicted, but I doubted. She helped negotiate a lease back from the new  owners and was on point in helping us find a new home in a timely manner. She also helped us develop an idea of what would be just the right home for us, which turned out to be very different from the home we were originally looking for. We could not be happier with our new home. At the conclusion of our transactions, she surprised and overwhelmed us with a beautiful and thoughtful housewarming gifts which we are thoroughly enjoying. I would highly recommend Tanya to anyone seeking to buy or sell. I don't think you will be disappointed.

AAA International Realtors
5
2017-09-07T04:37:09+01:00
We found Tanya to be knowledgeable, have the latest information on homes that were available, detail oriented, and quite responsive to our requests and questions. She had our home sold within three weeks of listing which she predicted, but I doubted. She helped negotiate a lease back from the new  owners and was on point in helping us find a new home in a timely manner. She also helped us develop an idea of what would be just the right home for us, which turned out to be very different from the home we were originally looking for. We could not be happier with our new home. At the conclusion of our transactions, she surprised and overwhelmed us with a beautiful and thoughtful housewarming gifts which we are thoroughly enjoying. I would highly recommend Tanya to anyone seeking to buy or sell. I don't think you will be disappointed.

eustarez

She was very acknowledge about the process on purchasing our home, as well she look for another financing resource. She also help to negotiate the price and get concession from the owner.

AAA International Realtors
5
2017-09-07T04:38:58+01:00
She was very acknowledge about the process on purchasing our home, as well she look for another financing resource. She also help to negotiate the price and get concession from the owner.

brenda_johnson

Tanya was very professial and knowledgable of the properties, she had it done with two week, and now she has found a new home for my family thanks for job well done. BJ

AAA International Realtors
5
2017-09-07T04:40:24+01:00
Tanya was very professial and knowledgable of the properties, she had it done with two week, and now she has found a new home for my family thanks for job well done. BJ
5
13
AAA International Realtors