Phil Aitken
Phil Aitken
Owner/Broker

How Long Does It Take to Buy a House in Jacksonville?

Wondering how long it takes to buy a house in Jacksonville, Florida? On average, the home-buying process in Florida typically takes between 30 to 60 days. However, the amount of time it takes to buy a home can vary based on individual circumstances.

The financing you use, your home preferences, and the market conditions in your local area all impact the amount of time it takes. In this post, Phil Aitken and our real estate experts at Your Home Sold Guaranteed Realty - Phil Aitken Home Team will break down each stage of the buying process, so you can prepare accordingly.

Key Takeaways:

  • On average, the home-buying process in Florida typically takes between 30 to 60 days. However, the amount of time it takes to buy a home can vary based on individual circumstances.
  • The first step of buying a house is getting a pre-approval letter from a lender. This process can take anywhere from a few days to two weeks
  • House hunting is the most variable phase in the buying process. On average, it can take anywhere from two weeks on the low end to up to eight weeks.

How Long Does It Take to Buy a House in Jacksonville?

Pre-Approval Phase

The first step of buying a house is getting a pre-approval letter from a lender. This process can take anywhere from a few days to two weeks, depending on how soon you can gather the relevant financial documents, how long it takes for your mortgage application to process, and how responsive your lender is.

Most pre-approval letters expire after 30 to 90 days, so it’s important to start looking at homes as soon as you get your letter.

If you’re planning to buy a home with cash, then you can skip this step entirely. For cash buyers, it’s not necessary to meet with a lender, which significantly speeds up the buying process.

House Hunting Phase

House hunting is the most variable phase in the buying process. On average, it can take anywhere from two weeks on the low end to up to eight weeks. The exact amount of time it takes depends on factors like: 

  • Your budget
  • Your home preferences
  • Your ideal neighborhoods
  • How many homes you’re able to view each week
  • How experienced your realtor is
  • Available inventory
  • Competition from other buyers
  • Supply and demand levels in the market

Some buyers find their dream home almost immediately, while others may take several weeks or even a couple of months. Working with a realtor is the best way to speed up the process. They have access to exclusive resources that allow them to find potential matches quickly, including off-market homes.

Making an Offer and Negotiations 

Making an offer and initial negotiations can take one to two weeks, depending on your interests, the seller’s interests, and whether or not they align.

The seller might accept your initial offer and earnest money immediately, in which case you’ll move into the closing process. If they choose to counter, negotiations can last for a few days or a couple of weeks, depending on how many rounds you’re both willing to go through. If the seller rejects your offer, you’ll have to spend more time in the house-hunting phase.

Contract to Closing 

The closing process typically takes 30 to 60 days to complete and involves several key steps. During this time, you’ll be coordinating with third parties like home inspectors, appraisers, title companies, and your lender. 

With all these different groups involved, the amount of time it takes to complete each step can vary. It’s also possible to encounter delays at any point in the process. Some of the steps you’ll need to take are:

  • Home Inspection: Home inspections typically take a week or two to complete. It’ll depend on how soon you hire an inspector, when you can schedule them to come to the property, and how long it takes them to prepare their report.
  • Appraisal: Appraisals are required by most lenders. This process generally takes around one to two weeks, depending on when the appraiser can come to the home, how long it takes them to write their report, and how long it takes your lender to review it.
  • Official Mortgage Approval: While you were pre-approved earlier, your lender will now conduct a more thorough review to officially approve your mortgage. This step includes verifying your income, credit, and property details and can take three to four weeks.
  • Title Search and Insurance: A title search ensures there are no legal issues with the property’s ownership. You’ll also need to purchase title insurance to protect against future claims. This process takes one to two weeks, depending on communication between you and the title company.

Closing Day

On the scheduled closing day, you and your realtor will meet with the seller and their realtor, to sign the final documents, do a final walk-through of the property, pay closing costs, transfer the funds to the seller, and receive the keys to your new home. This is the last step of the process and typically takes a few hours.

Buying a Jacksonville Home is Fast with Our Team

Your Home Sold Guaranteed Realty - Phil Aitken Home Team. How Long Does It Take to Buy a House in Jacksonville?
Phil Aitken

Being well-prepared and working with an experienced real estate professional is the best way to ensure a fast and successful home-buying experience. At Your Home Sold Guaranteed Realty - Phil Aitken Home Team, Phil Aitken and our team have been rated as the best realtor in Jacksonville

We’ve been in the business for many years and have helped hundreds of clients buy their dream homes in Jacksonville, including many first-time buyers. We make the home-buying process easy and risk-free thanks to our Buyer Satisfaction Guarantee, which ensures you end up with a home that meets your budget and preferences. 

Have more questions about buying a home in Jacksonville with our team? Give us a call at (904) 544-5252 or send a message to [javascript protected email address]. You can also fill out the form on this page. Get ready to start packing!

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.