If you want to know how to make an offer on home, it starts with preparation—and that means getting pre-approved. Pre-approval gives you a clear price range, shows sellers you’re serious, and gives your offer a competitive edge.

North Star Mortgage Network is here to help you get pre-approved with personal guidance, competitive rates, and fast service. Contact us today to get started.

Step-by-Step Guide: How to Make an Offer on Home

1. Find the Right Property

Use open houses, real estate platforms, and listings from your agent to find homes that meet your needs and budget. Act fast in hot markets.

2. Make Sure It Fits Your Budget

Use tools like the North Star Mortgage Calculator to estimate your monthly payment. Consider all costs—principal, interest, taxes, insurance, and HOA fees.

3. Review Recent Sales (Comps)

Ask your agent to pull comparable home sales. Comps help ensure your offer is fair and informed.

4. Structure a Competitive Offer

Include:

  • A solid offer price
  • Reasonable contingencies (inspection, financing)
  • A realistic closing timeline
  • A personal strategy that aligns with seller goals

5. Include Earnest Money

Earnest money signals your commitment. It’s typically 1%–3% of the purchase price and goes toward your down payment.

6. Submit Your Offer Formally

Your agent will draft the purchase and sale agreement. This document becomes binding once accepted.

7. Prepare to Negotiate

Sellers might accept, reject, or counter your offer. Be ready to discuss price, repairs, and timeline.

8. Finalize the Deal

Once agreed upon, both parties sign. You’re officially under contract, and the home sale process moves forward.

Extra Tips on How to Make an Offer on Home

Consider an Escalation Clause

This allows your offer to automatically increase over competing offers—up to a max.

Match the Seller’s Timeline

Sellers often value timing just as much as price. Flexibility can set your offer apart.

Know When to Waive Contingencies

Waiving contingencies can boost your odds, but do so with caution and expert guidance.

Focus on Facts, Not Letters

Avoid “love letters” to sellers, which may raise Fair Housing issues. Let your offer speak for itself.

What’s in a Real Estate Offer?

Your offer should include:

  • Buyer and seller info
  • Property address
  • Offer price
  • Earnest money deposit
  • Contingencies
  • Preferred title company
  • Requested credits
  • Expiration date
  • Closing date

Offers are legally binding once accepted. Backing out without a valid contingency could mean forfeiting earnest money.

Final Thoughts on How to Make an Offer on Home in Florida

Knowing exactly how to make an offer on home is essential to navigating Florida’s fast-moving market. From your first showing to contract signing, every detail matters.

Start by getting pre-approved with North Star Mortgage Network—trusted mortgage advisors serving all of Florida.

✪ Contact us today at www.nsmn.com or call 904-613-7700.

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