Partly Cloudy
Wednesday 07/18 10%
High 91° / Low 83°
Partly Cloudy
Thursday 07/19 20%
High 90° / Low 82°
Partly Cloudy
Friday 07/20 20%
High 89° / Low 84°
Mostly Cloudy
Saturday 07/21 20%
High 90° / Low 83°
Partly Cloudy
Sunday 07/22 20%
High 90° / Low 83°

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!