Partly Cloudy
Monday 09/24 20%
High 90° / Low 82°
Clear
Tuesday 09/25 20%
High 89° / Low 83°
Chance of a Thunderstorm
Wednesday 09/26 40%
High 89° / Low 82°
Partly Cloudy
Thursday 09/27 20%
High 89° / Low 82°
Partly Cloudy
Friday 09/28 20%
High 89° / Low 82°

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!