Buy | Chaz The Realtor

Your Guide to Purchasing a Home in St. Augustine

Purchasing a home is one of the biggest financial decisions you’ll make, and I’m here to make the process easier for you. Whether you’re buying a family home, an investment property, land, or a condo, I’ll guide you every step of the way.

The home-buying process can sometimes feel overwhelming, but with me by your side, you’ll have an experienced advocate, advisor, and guide, ensuring a smooth journey from start to finish.

The Steps to Purchasing Your Dream Home

Here’s a simple breakdown of the home-buying process:

1. Assess Your Finances & Get Pre-Approved

Check your credit score and review your budget.
Get pre-approved for a mortgage to determine your buying power.
Consider loan options such as FHA, VA, or conventional loans.

2. Hire Chaz The Realtor

Work with an experienced local agent who understands the Florida market.
They will help you find properties, negotiate deals, and navigate the process.

3. Start House Hunting

Define your needs (location, size, budget, features).
Attend open houses and schedule private showings.
Research HOA fees, insurance costs, and property taxes.

4. Make an Offer & Negotiate

Submit a competitive offer based on market analysis.
Negotiate terms such as price, closing costs, and contingencies.

5. Get a Home Inspection & Appraisal

Hire a licensed home inspector to check for issues.
Your lender will require an appraisal to confirm the home’s value.
Renegotiate if repairs are needed.

6. Secure Financing & Finalize the Loan

Submit all required documents to your lender.
Lock in your mortgage rate.
Obtain homeowners insurance (Florida homes may require additional flood or hurricane insurance).

7. Conduct a Final Walkthrough

Ensure all agreed-upon repairs were completed.
Verify the home is in the expected condition before closing.

8. Close on Your New Home

Sign the final paperwork at the title company.
Pay closing costs (which may include taxes, lender fees, and title insurance).
Receive the keys and officially become a homeowner!