Buying a home in Florida is exciting—but also complex if you’re unfamiliar with the steps. At North Star Mortgage Network, we guide you through the entire Florida homebuying process, from the day you make an offer to the moment you receive your keys.

Here’s what every Florida homebuyer should expect in 2025.

Step 1: Start the Florida Homebuying Process with Pre-Approval

Before touring homes, begin the Florida homebuying process by getting pre-approved for a mortgage. Pre-approval shows sellers you’re financially serious and defines your realistic price range.

At North Star Mortgage, we make pre-approvals fast, transparent, and tailored to your needs.

Step 2: Make an Offer on a Florida Home

With your pre-approval in hand, your real estate agent will help you submit a formal offer. This includes your proposed price, closing timeline, and any contingencies like financing or inspections.

In Florida’s competitive market, a clean, well-prepared offer often wins the deal.

Step 3: What Happens After Your Offer Is Accepted

Once your offer is accepted, the Florida homebuying process moves into contract. You’ll submit an earnest money deposit and finalize the terms of the purchase agreement, which outlines closing dates and responsibilities.

Step 4: Complete a Home Inspection

Florida buyers are strongly encouraged to conduct a home inspection—even for new builds. Inspections help reveal hidden defects and may give you room to negotiate repairs or credits.

Step 5: Loan Processing and the Mortgage Paper Trail

As your home is inspected, your lender will gather updated documents to process your loan. Expect to submit:

  • Pay stubs
  • Bank statements
  • Insurance quotes
  • Other financial verifications

North Star Mortgage keeps this step organized and easy to follow.

Step 6: The Appraisal Step in the Florida Homebuying Process

Your lender will order an appraisal to confirm the home’s value. If the appraisal supports the offer price, you’re clear to proceed. If it comes in low, your agent may renegotiate or you may cover the difference.

Step 7: Clear to Close and Final Loan Approval

After underwriting reviews and approves your file, you’ll receive the “Clear to Close.” That’s your green light to schedule closing and make final preparations for moving day.

Step 8: Closing Day in Florida

On closing day, you’ll meet at a title company or attorney’s office to sign your final loan documents. Once funds are transferred and documents are recorded, you’ll receive the keys to your new home.

This final step concludes the Florida homebuying process—and marks the beginning of homeownership.

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