Clear
Thursday 12/140%
High 69° / Low 61°
Clear
Friday 12/150%
High 75° / Low 68°
Partly Cloudy
Saturday 12/1610%
High 77° / Low 72°
Partly Cloudy
Sunday 12/1720%
High 80° / Low 73°
Clear
Monday 12/1810%
High 80° / Low 73°

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!