Before You Start House Hunting

Scrolling listings is the fun part. What makes it go well happens before that, so that when you find the one, you can move.

• 1
  Budget for the whole cost. Not just the mortgage: taxes, insurance, HOA dues, utilities and upkeep. In Florida, insurance and flood coverage can change the picture a lot. Florida property taxes, explained.
• 2
  Know your credit. Check it now, not the week you make an offer.
• 3
  Keep a cushion. Plan to have money left after closing for surprises.
• 4
  Get pre-approved first. It tells you your real price range and makes your offer stronger.
• 5
  Work with a good agent. They know the market, the neighborhoods and how to negotiate.
• 6
  Think about location. Commute, schools, noise, flood zones, and what's being built nearby.
• 7
  Separate needs from wants. Know your must-haves, and stay flexible on the rest. It opens up more homes.
• 8
  Keep your head. Bidding gets emotional. Decide your limit before you're standing in the kitchen.
• 9
  Compare loan options. That part's my job. The Loan Finder is a quick way to see which programs might fit.
• 10
  Get an inspection. It finds problems before they're yours. On older Florida homes, the four-point and wind-mitigation inspections also matter for your insurance.