1. Talk with your local lender to find out what amount of money you're qualified for. Many of us use non-local lenders for our daily banking needs, but Florida's unique Building Code requirements are best serviced by local lenders who truly understand them. Check back here often for information on latest mortgage interest rates.

2. Call your trusted real estate agent (you can reach me anytime at 850-496-6006) to discuss what you need and want in a new home or investment property.

3. Began the physical research! Let your agent provide you with a list of properties that meets your needs and start visiting them. Cnce you've found just the right property, you're ready to write up the documents.

4. You and your agent will meet to discuss property price, offer price, property condition, property inspection requrements and needs, insurance needs, negotiation options and finally the closing process.

5. Upon acceptance of your offer, a timetable to complete all of the above items is started. Inspections, surveys and appraisals are ordered and completed. Insurance is ordered and banking documents are finalized. We provide daily feedback on this timetable to ensure the closing procese will go smoothly and notify you of any issues associated with the closing.

6. Last but least, the closing occurs and after signing all the required paperwork, you get the keys to your new home!

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