The home buying process has a lot of moving parts. My job is to make every step clear, strategic, and completely pressure-free. Here's how I work with buyers.
No rushed decisions. No high-pressure tactics. Just a clear, strategic path from first conversation to closing day.
Tap a step to see what happens.
A short written agreement on how I represent you and how I'm paid. It's required before touring homes.
A lender verifies your income, assets, and credit, so sellers take your offer seriously.
We set a monthly payment you're comfortable with, including taxes, insurance, and HOA fees, not just the most you qualify for.
Homes chosen to fit your criteria, with issues pointed out before you fall in love.
Recent closed sales set a price range backed by data, not the list price.
Price, deposit, and deadlines written to compete without overexposing you.
Example of a 30-day financed purchase. Deadlines counted from closing move with the closing date. Cash purchases skip the loan steps and usually close sooner, and some closings take longer. Your contract sets the actual dates.
Sign. Day 0 is the day both parties have signed the contract.
Sends you a dated calendar of every deadline in your contract.
Every deadline counts from this date, so know exactly when it is.
Start getting homeowners (and flood, if needed) quotes the day you go under contract.
Sends the property details insurers ask for, plus the 4-point and wind mitigation reports when they're ready.
Coverage must be in place before the loan approval deadline. Waiting can leave you without a policy your lender will accept.
Wire the escrow deposit to the title company or escrow agent.
Confirms the amount and wiring instructions with you by phone.
Wire fraud is real. Always verify wiring instructions by calling a number you know.
Formally apply with your lender.
Checks your lender has everything they need on day one.
A late application pushes every loan step later.
Answer your lender's requests the same day.
Keeps the lender, title company, and seller's side on one timeline.
No new credit, big purchases, or job changes until after closing.
Attend the inspections if you can, read the reports, and decide to move forward, ask for repairs or credits, or cancel.
Books the home, 4-point, and wind mitigation inspections, and gets any repair terms agreed in writing before the period ends.
Once the inspection period ends, walking away can cost you your deposit.
Review the title commitment and title insurance with me.
Checks the title evidence for liens, open permits, and other defects, and gets them cleared.
Open permits and old liens are common in Florida. If the home is in an HOA, ask early whether the board must approve you before closing.
Nothing, unless the value comes in low.
Sends comparable sales to the appraiser and plans ahead for any gap.
A low appraisal can mean renegotiating the price or bringing more cash to closing.
Confirm final approval with your lender, with insurance already in place.
Tracks this deadline closely with your lender.
If approval isn't in by this date, know your options before the deadline passes.
Review your final loan costs.
Compares it to your loan estimate and flags any surprises.
Some changes to the loan restart the 3-day review period.
Check that the home is in the agreed condition.
Confirms repairs were done and nothing has changed.
Test the appliances, water, and AC.
Sign the final documents and get your keys.
Reviews the closing statement with you line by line beforehand.
Bring ID, and confirm the final amount by phone, not email.
We review the closing statement line by line, you sign, and the keys are yours.
File with your county property appraiser by March 1 of the following year to lower your property taxes.
A home value update and a reminder to shop your insurance renewal.
No pressure, no obligation. Start with a conversation and let's figure out what your next move looks like.