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Welcome to your journey into homeownership in the beautiful state of Florida! This page is a dedicated resource for first-time home buyers looking to navigate the exciting world of Florida real estate. Here, you’ll find a wealth of information tailored to help you understand the nuances of investing in properties across Florida. Whether you’re dreaming of a tropical paradise or a bustling urban retreat, our guide is designed to make your first home buying experience in Florida as smooth and successful as possible. Start your journey with us and step closer to owning your piece of the Sunshine State!

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Buying a property in Dublin - Steps by steps

Whether you are looking for single family homes for sale in Central Florida to live, or you simply are looking to invest in foreclosures Central Florida, we got you covered. We help many first time home buyers as well as many real estate investors. We have experience with many people out of state and relocating to Central Florida. We make the home buying process in Florida fun.

Pre-Qualify

Pre-qualification determines your ability to repay a loan based on information you provide. Your liability, asset and income information are reviewed by a licensed mortgage loan originator to establish the maximum purchase price you can afford and how much you may be able to borrow.

Get Pre-Approved

This is a written commitment from a lender to extend a mortgage to you for a specific amount and time period. A Pre-approval is when your information is reviewed and verified by an underwriter. This involves an analysis of your financial status and credit history. With a pre-approval, you’ll be able to negotiate your home purchase confidently. A pre-approval may help streamline your process and result in a smoother transaction.

Find The Right Realtor

Now that you have initiated the pre-approval process, and have an idea of how much you are comfortable spending, a realtor can help you through the home buying process. Finding the right realtor is just as important as finding the right lender. Make sure that you work with a real estate agent you can trust, has a proven track record, and has your best interests at heart.

Start House Hunting

You have a lender and you have a realtor. Your next step will be to start looking at houses. It is easy to get carried away with the excitement of becoming a homeowner at this point. You may only be thinking about yard space, decorations and the amount of bedrooms you want, but it is important to consider all aspects of the property before moving forward.

Start The Loan Process

By now, you’ve obtained your lender, you’ve gotten pre-approved, and you’ve found your dream home. It is time to start the loan process! Meet with your licensed loan originator to help you gather paperwork and submit your mortgage application.

Make Your Offer

You may want to keep several factors in mind as you and your real estate agent get ready to present an offer to the seller.

The asking price of the home
Recent home sales in the area
Market conditions
Prospective re-sale value
Satisfaction with the neighborhood and amenities
Condition of the home
How many other prospective buyers are looking at this home
If you have a back-up home in mind

Get A Home Appraisal

Inspections are important to help you fully understand the condition of a home. They can also be helpful for negotiations to help drive prices down or have additional services stipulated in the contract.

Set Closing Date, Time and Location

Bring along any co-applicants and your realtor, if you would feel more comfortable having them present. Closing usually takes place in the presence of a public notary. You should be prepared for several things:

Review the final documents. Make sure the rates and amounts are what you have agreed to.
Bring a cashier’s check to cover the closing costs and down payment. Personal checks are usually not accepted.
Sign the loan and be prepared to show photo ID and possibly a Social Security card.