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Buying a Home in Florida: A First-Time Homebuyer’s Guide

If it is your first time buying a house in Florida, congratulations! You have chosen an excellent location. For sure, you are feeling excited, and a bit intimidated about the process of home buying. After all, you would need to go through detailed procedures and prepare various documents, from acquiring a housing loan to finalizing the property turnover. A massive chunk of your savings is at stake, so you need to make the right and well-thought-out decisions. 

The process will definitely look overwhelming if you don’t know where to begin. What you need is to break it down and focus on the most important things first. Forget about the less important aspects for now. If you want to go through the process without feeling too burdened, follow our step-by-step instructions.

The Ultimate Guide for First-Time Home Buyers: What You Should Do

Step 1: Finalize the Type of House You Want

Everyone has different requirements and preferences. To speed up your search process, you need to determine and list all your non-negotiables and requests for your new home. Define how many bedrooms or restrooms you need and what other home features you and your family want.

Are you working from home? Perhaps you need a home office. Do you own a car? Then, you would probably need a garage. Would your kids love to have a swimming pool or a wide backyard to play in? These little details could help you limit your options and find the best one faster.

Step 2: Check What Location Would Suit Your Needs Best

So, you decided to stay in Florida, but where exactly? The next thing you need to determine is what specific area and neighborhood you would like to stay in. If you plan to stay in your new home for a long while, you need to make sure that you enjoy the living experience there.

You can finalize this detail with another round of wishlist-making. Here are some questions that could help you decide:

  • What are the essential establishments that should be accessible to your place? It can be a grocery, a pharmacy, a hospital, or your kid’s school. 
  • What is your ideal weather? Some areas in Florida are more prone to thunderstorms than others, so you might want to consider that too. 
  • Is the place you are eyeing safe enough? Check the crime rate and natural disaster statistics in your chosen neighborhood. It might also help to examine recent news reports about the area.

Step 3: Finalize Your Budget

The golden rule when making a home purchase is not to spend more than what you can afford. That is why setting a budget is critical to the experience. By having a target budget, you can look into the other expenses that go with the actual home purchase. 

Aside from the 20 percent down payment, you need to consider your monthly fees as well as the closing costs. With a budget in mind, you can also limit your house options to stick to what you can comfortably afford.

Step 4: Find the Right Real Estate Agent to Help You

Unless you have the time, energy, and knowledge to take care of the house hunting and processing yourself, we recommend hiring a realtor to take care of everything. When looking for one, make sure that they are licensed and have enough experience in finding and processing houses in your desired neighborhood.


Buying a house can be complicated, but you do not need to dive deeply into everything at once. Start by dealing with these four items first and proceed to the next phase after. By securing these four crucial pieces of information, you can have a smoother home buying journey. 

Finding the right house is only one of the many first steps, but finding a way to afford it is another. If you need to find the best home loan, contact us at America’s Mortgage Solutions. Our goal is to help our clients get pre-approved while minimizing their tax liability and maximizing their cash flow.