Ready to Buy a House in Florida? Here's Where to Begin

Whether you're relocating, investing in a second home, or buying for the first time, understanding the steps to buying a house in Florida can save you time, money, and stress.

Florida’s real estate market has its own rules, regulations, and rhythms. That’s why Michael Renick and Team Renick put together this complete 2025 guide to walk you through every stage—from planning to closing—with confidence.

Step 1: Get Pre-Approved for a Mortgage

Before browsing listings or attending showings, talk to a lender.

Why it matters:

  • Clarifies your budget
  • Signals to sellers that you're serious
  • Uncovers credit issues early
  • Helps you move fast when the right home appears

Pro Tip: Choose a lender familiar with Florida financing, especially if you're buying near coastal areas or with unique property types (like condos or homes in flood zones).

Step 2: Hire a Florida Realtor Who Works For You

Your agent isn’t just opening doors—they’re your guide, advocate, and contract expert.

Look for a:

  • Full-time, licensed Florida Realtor
  • Local market expert who understands neighborhoods, zoning, and insurance needs
  • Responsive communicator (especially if you're out of state)

Team Renick specializes in working with buyers from across the country, offering virtual showings, deep local insights, and full-service representation.

Step 3: Define Your Wants vs. Needs

Create a wishlist—but be ready to adapt.

Ask yourself:

  • How many beds/baths do you need?
  • Do you want a single-family home, condo, or townhome?
  • What school zones, commute times, or amenities matter?
  • Do you want an HOA or not?
  • How close to the beach, city center, or golf courses?

We’ll help narrow your options to areas that match your goals and budget.

Step 4: Start Touring Homes (In-Person or Virtually)

Once you’re pre-approved and working with an agent, it’s time to see what’s out there.

Team Renick offers:

  • In-person and virtual showings
  • Community walkarounds
  • Market comparisons and insights (e.g., days on market, price reductions)

Pro Tip: Keep notes as you tour! Many buyers confuse properties after seeing 5+ in a day.

Step 5: Make an Offer

When you find "the one," your agent will help you craft a competitive offer based on:

  • Local comps (comparable sales)
  • Market trends (hot or slow?)
  • Seller motivation and listing time
  • Your financial position (cash, loan, contingencies)

Florida’s real estate contract includes specific timelines for inspections, deposits, and financing approval. Team Renick ensures your offer is compliant and clear.

Step 6: Inspections & Appraisals

Once under contract, the due diligence period begins.

You’ll schedule:

  • A full home inspection
  • A termite/pest inspection
  • An appraisal (if financing)

If issues arise, we can negotiate repairs or seller credits.

Note: Florida homes may have special considerations (roof age, flood zones, wind mitigation) that affect insurance. We help you get clarity early.

Step 7: Final Loan Approval & Home Insurance

Your lender will finalize your mortgage, verify all documentation, and issue a clear-to-close. At the same time, you’ll need to secure homeowners insurance.

Be sure to:

  • Shop around for insurance quotes
  • Check if flood insurance is required
  • Ask your inspector or Realtor about windstorm coverage needs

Step 8: Closing Day!

Closings in Florida are often handled by a title company or real estate attorney. You’ll:

  • Review and sign final documents
  • Transfer funds via wire
  • Receive the keys (in person or digitally)

Many buyers close remotely, especially if they live out of state—ask us how it works!

Step 9: Move In & Get Settled!

Welcome home! We’ll help with:

  • Utility setup
  • Local services (landscaping, cleaning, security, etc.)
  • Post-close support (we don’t disappear after the deal)

If you're moving from another state, we’ll help coordinate move-in dates, deliveries, and more.

Compliance Notes: What Florida Buyers Should Know

As your licensed Florida Realtor, we ensure:

  • Full compliance with Fair Housing laws
  • RESPA and anti-steering rules
  • Proper disclosures and contingency protections
  • Clear contract deadlines

We’ll also connect you with lenders, inspectors, and insurance pros who follow local and national regulations.

Call to Action

Ready to buy a home in Florida?
Let Michael Renick and Team Renick be your trusted guides—from your first question to your closing day.

Contact us today for a free buyer consultation and local market insights tailored to you.