First time home buyers in Jacksonville

Step 1. Talk to a lender first

A pre approval tells you what you can borrow, what your payment might be and how much cash you'll need. It also makes your offer stronger. Talk to more than one lender and compare loan estimates.

Step 2. Ask about down payment help

Florida has state and local programs for first time buyers, often based on income and the home's price. The Florida Housing Finance Corporation runs statewide programs, and some counties and cities have their own. Ask your lender which ones they work with, since not every lender offers every program.

Step 3. Know the full monthly cost

Your payment isn't just principal and interest. In Florida, property taxes, homeowners insurance, flood insurance where required, HOA dues and sometimes CDD assessments can add a lot. I'll show you the full number for every home we consider seriously.

Step 4. Find the home

We'll set up a search, tour homes and talk honestly about each one. I'll point out things like roof age and flood zone that affect what you'll pay to insure the house.

Step 5. Make an offer, then do your homework

Most Florida contracts include an inspection period. That's when we schedule a home inspection, a wind mitigation inspection and, for older homes, a 4-point inspection. We also get your insurance quote then, while you can still walk away.

Step 6. Close

You'll review your closing disclosure at least three business days before closing, do a final walkthrough and sign. Then the keys are yours.

After closing: file for homestead

If the home is your primary residence, apply for Florida's homestead exemption with your county property appraiser. The deadline is March 1 of the year after you buy. It can lower your property taxes and caps future increases in assessed value.