Mostly Cloudy
Sunday 03/24 20%
High 80° / Low 73°
Clear
Monday 03/25 20%
High 80° / Low 72°
Clear
Tuesday 03/26 10%
High 79° / Low 70°
Clear
Wednesday 03/27 20%
High 76° / Low 67°
Partly Cloudy
Thursday 03/28 0%
High 78° / Low 69°

The Buying Process

A step-by-step guide to purchasing your new home:

  1. Determine your buying power.
  2. Determine the priority features you want in your new Keys home.
  3. Search for and find a home.
  4. Present an offer with an earnest money deposit and per-qualification letter—or verification of available funds.
  5. Define contract contingencies—inspection period and financing.
  6. Offer negotiations will occur between agents.
  7. All parties agree and sign the contract = Effective Date.
  8. Make mortgage application.
  9. Do home inspections.
  10. Commit to proceed to closing or send cancellation to seller.
  11. Make second earnest money deposit.
  12. Choose closing agent (whomever pays the Title selects the closing company).
  13. Appraisal is done.
  14. Mortgage approval.
  15. Send seller loan commitment letter or cancellation notice.
  16. Apply for insurance.
  17. Pre-closing walk-through.
  18. Go to closing.
  19. Transfer utilities:
    • Water  – FKAA, 305 296-2454
    • Electric – Lower Keys – Keys Energy, 305-295-1090 | Middle & Upper Keys – FKEC – 305-852-2431
    • Cable/Phone/InternetAT&T, 305-296-5007 | Comcast
  20. Enjoy your new home!