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 Jeff@ERA.com 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:

Closing Checklist For Buyers

Closing Checklist Buyer

Once buyer and seller come to terms on the standard issues of a contract (price, closing date, concessions, warranties, etc.) it’s time to clear any outstanding contingencies and move into escrow (In other words, wait on the lender to finish underwriting your … Continue reading

Competing In A Multiple Offer Situation

No Holds Barred

The market is improving… In some price ranges in the Jacksonville area there are less than 2 months of inventory.  Which pairs buyer against buyer in a no holds barred cage match where the winner is crowned the lucky new … Continue reading

How much does a home inspection cost?

Home Inspection

Since the normal protocol in a real estate deal is to get a home inspection (and WDO inspection) done after the deal has been struck, this is a fair question.  How much does a home inspection cost?  As is the … Continue reading

Loan Costs Getting More Expensive on April 1st 2013

HUD Logo

At the bottom of this post is a long, boring document from the US Department of Housing and Urban Development titled Mortgagee Letter 2013-04…  What does it say?  It’s time for FHA loans to make some money! Long story short, they … Continue reading

What Is The Best Neighborhood in Jacksonville, FL?

chart_1

Think your neighborhood didn’t get the love it should have in this post?  Leave a comment, Send me an email,  or   The neighborhoods used in the article are gated communities (sorry Avondale, Ortega, Riverside, San Marco, etc.), in Jacksonville (we’ll do … Continue reading