Phil Aitken
Phil Aitken

Jacksonville, Florida Home Buyers Guide | How To Buy A House in 2023

Your Complete Guide to Buying a House in Jacksonville, Florida

Buying a home is an exciting time, but it can also feel overwhelming for home buyers. This comprehensive home buyers guide will walk you through the entire process of purchasing a home in Jacksonville, FL. 

To buy a house in 2023, start by determining your goals for the purchase, whether it’s for personal use or investment. Next, check your credit score and work on improving it if needed, as a higher credit score can lead to better mortgage terms. Finally, begin saving for a down payment, get preapproved for a mortgage, and consider hiring a real estate agent to guide you through the process and navigate the ever-changing housing market conditions.

As an experienced Jacksonville real estate agent, we are here to make this journey as smooth and stress-free as possible. Let’s get started!

Working With a Realtor

One of the first steps is finding the right realtor to help you through the home buying process. A good realtor will:

  • Have in-depth knowledge of the Jacksonville real estate market and different neighborhoods. This helps them match you with the ideal home.
  • Handle negotiations to ensure you get the best possible deal. Realtors have expert negotiation skills to achieve win-win solutions.
  • Offer fiduciary duties to represent your best interests, not just make a quick sale. Your agent should have your back throughout the entire process.
  • Provide access to listings before they go public so you can beat out other buyers. Realtors often know about upcoming homes for sale.  
  • Assist with contracts, paperwork, and coordination between all parties. Realtors help manage the complex real estate logistics with VIP service.

As an experienced Jacksonville real estate professional, we take great pride in providing white-glove service to home buyers. We will handle all the heavy lifting to ensure you get your dream home.

Getting Pre-Approved

Before starting your home search, it’s essential to get pre-approved for a mortgage. This shows sellers you are serious. To get pre-approved:

  • Contact lenders and provide financial documentation (income, tax returns, pay stubs, etc.)
  • Choose a lender and apply for loan pre-approval  
  • Receive a pre-approval letter stating your loan amount

Pre-approval lets you home shop with confidence. You’ll know your price range and have bargaining power with cash in hand. Your Home Sold Guaranteed Realty - Phil Aitken Home Team can recommend trusted Jacksonville lenders to get you started.

Searching for Your Dream Home 

Armed with your pre-approval, it’s time to find that perfect home. Options include: 

  • Your realtor’s MLS listings – Access inside info before homes hit the wider market.
  • Online sites like Zillow and – Good for research, but speak to an agent before contacting sellers. 
  • Drive or walk around neighborhoods – Look for yard signs and call numbers on homes that interest you.
  • Open houses – Visit homes during advertised open house times. A great way to get first impressions.

As your realtor, Phil Aitken and the team at Your Home Sold Guaranteed Realty - Phil Aitken Home Team can set up showings for any homes that catch your eye. Communicate your must-have home features and preferences and we’ll narrow down the options.

Making An Offer

Once you find the ideal home, it’s time to make an offer. This involves:

  • Researching comparables – Recently sold homes of similar size/type in the area. Helps formulate your offer.
  • Preparing an offer letter – Includes your proposed purchase price, desired closing date, contingencies, and other terms. 
  • Submitting earnest money deposit – Typically 1-3% of purchase price that shows you are serious. 
  • Negotiating contract – Your realtor negotiates on your behalf if seller counters. Multiple counteroffers may be exchanged.
  • Reaching agreement – Both parties sign the final offer letter/purchase contract.

We will expertly guide you through the offer and negotiation process to help you get the home you want at a fair price.

Home Inspections  

Once under contract, it’s highly recommended to get a professional home inspection. This covers:

  • Structural – Foundation, roof, walls checked for issues.
  • Systems – Electrical, plumbing, HVAC inspected for functionality and safety. 
  • Appliances – Any included appliances tested to ensure good working order.
  • Pest/mold/hazards – Screens for infestations, mold, asbestos and other hazards. 
  • Overall condition – Inspector looks for signs of flooding, damage, leaks and more.

The inspection costs around $300-$500 and is very worthwhile to identify major issues early on. If problems are found, we can negotiate repairs with the seller.

Finalizing the Purchase

The last steps are securing your financing, home insurance, and completing final walk-throughs/closing:

  • Final loan approval – Your lender completes the underwriting process to confirm your financing. 
  • Homeowner’s insurance – Work with an insurer to get quotes and secure coverage for your new home.
  • Closing timeline – Closing day is set once all contingencies are met. 
  • Walk-through – Final verification that home is in agreed-upon condition.
  • Closing docs – Review and sign all paperwork associated with the transaction and closing
  • Transfer of funds – Your down payment and closing costs are due.
  • Get the keys! – Post closing day – the home is now yours. Time to move in and make memories.

Having an experienced realtor makes the closing process smooth. We’ll coordinate everything to get you to the finish line.

Contact Your Home Sold Guaranteed Realty - Phil Aitken Home Team for Your Jacksonville Home Buying Needs

Buying a home is a big undertaking but we are here to guide you every step of the way. Our proven process allows me to find clients their dream homes in record time. We know the Jacksonville real estate market inside and out and leverage that expertise to your benefit. If you’re looking to buy a home in Jacksonville, we want to help! Give Phil Aitken at Your Home Sold Guaranteed Realty - Phil Aitken Home Team a call at (904) 544-5252 or click the blue button to get your free Home Buyers Guide.

To Discuss Your Home Sale or Purchase, Call or Text Today and Start Packing!

Phil Aitken, Owner/Broker
Phil Aitken is the Owner/Broker with Your Home Sold Guaranteed Realty - Phil Aitken Home Team and has over 13 years of Real Estate experience. Phil’s faith and desire for his family’s continued security fuel his business growth and leadership. The Phil Aitken Home Team continues to profoundly impact the people of Jacksonville via supporting several faith-based organizations. Phil gives back a portion of every real estate transaction to The Tim Tebow Foundation and Rethreaded. Find Phil's full story here.