Buyer’s Checklist — Northeast Florida Home Buyers Step-by-Step Guide
Thinking about buying a home in Northeast Florida? This checklist walks you through every stage—from getting pre-approved to moving day—so you can stay organized and confident. Download the printable version at the end!
✅ BEFORE YOU START
Get Pre-Approved
Contact a mortgage lender for pre-approval
Understand your budget, down payment, and monthly payments
Check and improve your credit score if needed
Choose a Realtor®
Find a knowledgeable local agent
Discuss your needs, wants, and timeline
Review buyer representation agreement
🏡 HOUSE HUNTING
Research Neighborhoods
Visit neighborhoods for schools, amenities, commute
Check crime stats and future developments
Consider lifestyle factors (parks, shopping, dining)
View Homes
Attend open houses and private showings
Take notes and photos to compare
Evaluate condition, layout, and upgrades
Make a Wish List
Prioritize must-haves vs. nice-to-haves
Identify deal breakers
Set realistic expectations
📝 MAKING AN OFFER
Prepare Your Offer
Work with your Realtor® to draft offer price
Include contingencies (inspection, appraisal, financing)
Decide on earnest money deposit amount
Submit Offer & Negotiate
Deliver offer promptly
Respond to counteroffers quickly
Know your limits and stay flexible
🔍 INSPECTIONS & APPRAISAL
Schedule Inspections
General home inspection, pest, roof, HVAC as needed
Review report carefully
Request repairs or credits if needed
Appraisal
Lender orders appraisal to confirm value
Cooperate with appraiser for access
📑 FINAL STEPS TO CLOSING
Secure Financing
Provide documents promptly
Lock in interest rate if possible
Review loan estimate and closing disclosure
Prepare for Closing
Schedule final walkthrough
Review closing documents
Arrange homeowner’s insurance
Closing Day
Bring valid ID and funds
Sign paperwork and get keys
Celebrate your new home!
📦 MOVING IN
Arrange movers or rental truck
Transfer utilities and update address
Change locks and set up security
Unpack essentials and enjoy!