Phil Aitken
Phil Aitken
Owner/Broker

What Are The Steps to Buy a House in Jacksonville, Florida?

Planning to purchase property in Jacksonville, Florida? If so, it’s a good idea to understand the steps to buy a house. Buying a home in Jacksonville is an exciting but complex process, so it’s crucial to understand and prepare for each stage of the journey.

In this blog post, Jacksonville realtor Phil Aitken and the professionals at Your Home Sold Guaranteed Realty - Phil Aitken Home Team will provide an overview of the seven main steps involved in buying a house.

Key Takeaways:

  • Before you start house hunting in Jacksonville, your first step needs to be getting mortgage pre-approval from a reputable lender.
  • Your next key step is partnering with an experienced realtor who specializes in the Jacksonville market. Interview a few options and find an agent you can trust.
  • Once you find your dream Jacksonville home, your agent will help you submit an official purchase offer to the sellers’ agent.
  • After your offer is accepted, you’ll want to schedule both an appraisal and a professional home inspection.

What Are The Steps to Buy a House in Jacksonville, Florida? – 7 Steps

Get Pre-Approved for Your Mortgage

Before you start house hunting in Jacksonville, your first step needs to be getting mortgage pre-approval from a reputable lender. During the pre-approval process, the lender will analyze your income, debts, credit, and overall financial situation. Based on that information, they’ll determine how much to lend you to purchase a home.

Having a pre-approval letter in hand allows you to know your firm price range and shows sellers you are a qualified, prepared buyer.

Find the Best Jacksonville Realtor

Your next key step is partnering with an experienced realtor who specializes in the Jacksonville market. Interview a few options and find an agent you can trust to expertly guide you through the complexities of the buying process. A realtor’s market expertise, resources, and negotiating skills can be invaluable assets.

If you’re looking for homes in the Jacksonville area, you can’t find a better realtor than Phil Aitken and Your Home Sold Guaranteed Realty - Phil Aitken Home Team. We’ve been in the business for years and have helped hundreds of buyers find their dream homes for the best possible price.

Start Your Home Search

With your realtor’s assistance, you can begin actively searching for Jacksonville homes for sale that fit your budget. Your realtor can help you identify your desired neighborhoods, must-have features, and other criteria.

Be sure to attend open houses, take notes on properties you tour, and identify your top choices when you’re ready to make an offer.

Make an Offer and Negotiate

Once you find your dream Jacksonville home, your agent will help you submit an official purchase offer to the sellers’ agent. They’ll also assist with negotiations on price, contingencies, and other terms to put you in the best position to have your offer accepted.

Once your offer is accepted, you’ll need to open an escrow account and pay an earnest money deposit.

Schedule a Professional Home Inspection and Appraisal

After your offer is accepted, you’ll want to schedule both an appraisal and a professional home inspection. A certified home inspector will conduct a thorough examination of the property’s condition, including the plumbing, electrical, structure, etc. Both of these crucial steps are usually required by lenders and ensure no expensive surprises after purchase.

Finalize Your Mortgage and Insurance

In the weeks leading up to your closing date, you will finalize your mortgage application with your lender and lock in your interest rate. You’ll also need to purchase homeowner’s insurance as required by your lender to protect your new investment.

During this time you’ll also complete other aspects of the closing process, like a title search, title insurance, and a final walkthrough of the property.

Close and Move Into Your New Home

On the final closing date, you’ll review and sign the remaining paperwork and mortgage documents, pay the down payment and closing costs, and officially take ownership of the property. From here, you’ll need to take care of changing the locks, transferring utilities, and moving in your belongings.

Get Through the Steps to Buy a House Easily with Phil Aitken

Your Home Sold Guaranteed Realty - Phil Aitken Home Team. What Are The Steps to Buy a House in Jacksonville, Florida?
Phil Aitken

Whether you’re a first-time home buyer or purchasing your next Jacksonville home, working with a realtor is key to making your home-buying experience a successful one.

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,. 

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 the Jacksonville real estate market or what it’s like working 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.