For Home Buyers

Buying a home in the Jacksonville, Florida area is a big decision.  Whether you are a first-time home buyer, or building your investment portfolio, we are here to help you. So, first home or hundredth, we'll make sure you find the property that is perfect for you!

Throughout the journey of finding your next home, we will help you make informed choices like choosing Single Agency vs Transaction Brokerage.

To keep up with the latest and greatest regarding real estate in the 904, be sure to check out the blog..


Here is a step-by-step overview of the home buying process


1. Contact 904Living

contactCall us at (904) 434-5154 or email to schedule a phone conversation or personal meeting to discuss your needs. What’s on your wish list for your dream home? We'll discuss all the vital information - location, size, price and other details that will ensure a perfect match with a home that is right for you.



2. Get Preapproved for a Loan

mortgage preapprovalA lender will look at your income, assets, credit history, debt, and expected down payment to determine your price range.  If you haven't spoken with a lender yet, we can connect you to one of our preferred lenders. They can preapprove you in just a few minutes over the phone. With this information, we can stay on budget during our home search.



2. Shopping Around

Shopping for a HomeNext, we will narrow down your search criteria based on your preferences. we will search through all of the available existing homes and narrow down the selection. Our Home Search Map allows you to customize searches, save your favorites, and receive updates. We can email or call you with available listings or you can search the entire database of available homes at your convenience. 



3. Let's Make a Deal

make an offerWhen we find a home that meets your needs, we will research comparable properties in the area to provide you with suggestions for an offer price, settlement and occupancy dates, and other contingencies with the goal of getting you the best price and closing costs.  The seller then has the option to either accept, reject, or make a counteroffer. After it is agreed upon by all parties, the contract will be signed and legally ratified. We will keep you updated throughout the closing process.



4. Closing and Move in!

Keys to new homeBefore final settlement, we will do a final walkthrough of the house to check in on the condition of the property. Unless the contract is “As-Is”, everything should working order and all inspection repairs should already be completed. When we meet for closing it is time to do a lot of document signing and pick up the keys to your new home. The only thing left is to move in and plan your housewarming party!


Helpful articles for home buyers:

How to Buy a Home After a Foreclosure or Short Sale

Buy a Home After a Short Sale

When you’ve gone through a foreclosure or a short sale, it may seem impossible to buy another home. However, it doesn’t have to be impossible, if you have the right strategy. Those that have lost a home to a foreclosure or have gone through a short sale, and now they are looking to buy a […]

When Should you Start Shopping for Your Mortgage as a Home Buyer?

Mortgage Approval

For most home buyers, shopping for a mortgage is necessary when buying a home. However, most first-time home buyers don’t start shopping for a mortgage early enough. Along with not shopping soon enough, many new home buyers don’t shop around for the best rate. A survey from 2013 showed that nearly half of home buyers only […]

What Should both the Seller and the Buyer Know about the Closing?

Loan Documents

After you go through the process of choosing the right home, making an offer and getting the offer accepted, you will find yourself at a closing. This can be stressful, if you don’t understand what to expect. The closing is a bit different for the buyer and seller. There some things you should expect and […]

Why do you Need a Real Estate Agent When Buying a Home?

Hire a Real Estate Agent

When it’s time to start searching for a new home, you may wonder whether you really need a real estate agent.  After all, with google, siri, zillow and so many online resources it may not seem necessary. Like other skills (carpentry, plumbing, dentistry) there is certainly something to finding good real estate representation.  A good agent […]