Learn About Buying A House in Florida


How Do I Buy a House?



Everyone asks themselves this question at least once in their lives…we call those people 1st time home buyers! To make buying a home feel a little less intimidating, we’ve broken down the process into several clear steps. See below, and don’t forget, we’re here via phone, email and text to answer all your home buying questions!



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    1.See a Lender- Find Out What Your Credit Score is and talk to a lender (it’s free!) to find out what you can qualify for with your income. This quick, usually 15-20 minute chat, will tell you how much of a mortgage you can get and if you need to work on your credit score to qualify.



    2.Save, Save, Save- Save money for a down payment! Another good reason to talk to a lender first. Once you find out how much you can qualify for, your lender can tell you what kinds of loan programs are out there to meet your needs. FHA loans will let you put down as little as 3% as a down payment when you buy a home. Convention loans usually (but not always) require 20% down. So for example, a $200,000 home with 20% down means you’d need $40,000 as a down payment in addition to your loan and closing costs to get that house. For FHA, if you were only required to put down 3%, that would be just $6,000, plus closing costs in addition to your loan.



    3.Get Pre-Approved for a Mortgage- Once you’ve completed the above 2 steps, go back to your lender and get a loan pre-approval letter. You’ll need it to shop for homes and submit offers.



    4.Find a Top Real Estate Agent- Now that you have your loan stuff all figured out, find a great Realtor! (We can help with that!). Tell your Realtor what you’re pre-qualified for and meet with them in person to go over neighborhoods and home styles you prefer. At The Sandy Hartmann Group, we set up a search with you that alerts you via email every time a new home listing comes onto the MLS. You’ll always know when homes for sale hit the market that match your home search.



    5.Start Searching for Homes- When you see homes you like in your price range, contact your real estate agent to set up appointments as soon as you can. Good homes go fast and home inventory is low in places like Pinellas County and Hillsborough County. You can also drive around on weekends to open houses to get a better idea of which neighborhoods you like. Our website conveniently has a search option to see properties offering open houses, price reductions and more. You can also do a map search and look up home value trends on our City Pages (See the bottom of our homepage for this).



    6.Write an Offer- Found the right home? Once you know which home you want, you and your Realtor need to write an offer. If the home hasn’t been on the market long, it needs to be a competitive offer to motivate the seller to accept yours over any others. This is also where you need your loan pre-approval letter. Make sure it’s submitted with your offer so the sellers know you’re approved for a loan and a ‘real’ buyer. If the letter is dated more than 1 month old, ask your lender for an updated one if nothing has changed in your employment , savings and debts. If your offer is accepted by the sellers, you’ll have to give a deposit check to your agent as well. This goes towards your closing costs and down payment and is refundable until certain periods in the contract if things go wrong (see below).



    7.Schedule Home Inspections- Once your offer is accepted, you’ll have a specific amount of time to inspect the home (this amount of time is negotiated in the contract when you write it up with your real estate agent). Make sure you find a reputable inspector that will thoroughly inspect the home- you’ll want them to inspect all major components, including but not limited to the roof, plumbing, electrical, A/C and Heat system, pool (if there is one), windows & more. If you’re buying a waterfront home, you’ll also want to hire a seawall inspector as well. Review the inspection results thoroughly with your real estate agent.



    8.Negotiate Repairs- If anything is amiss in the home you’re buying, based on the home inspection results, you’ll want to negotiate any home repairs to be done. As long as this is done during your inspection period, you’ll have the opportunity to negotiate. If negotiations don’t go the way you want, you may still get back your deposit and cancel the contract during this time. Ideally everyone will be able to agree on requested repairs (this is negotiated by the agents for the buyer and seller). Be flexible and try not to ask for too many minor ‘cosmetic’ items. Stick to major items that could affect the insurability, safety, or value of the home (Roof, A/C, Heating, Windows, Plumbing, Electrical, etc).



    9.Loan Approval- Once you sign a contract, and schedule inspections, your lender will begin to ask you for payroll and tax documents pertaining to your income. It is important to get this information to your lender as soon as possible. They’ll want to go over all your financial debt and review your creditworthiness. DO NOT, I REPEAT DO NOT make any large purchases, buy a car, change jobs, or take out ANY other loans or credit cards until AFTER your closing. Your lender will check your finances, bank statements and employment status up until the day before closing. Any changes in your financial status could result in your loan being denied at the last minute.



    10.Final Walk-Thru- This generally happens the day of closing or sometimes the day before closing. This is when you walk thru the home you’re purchasing (with your Realtor, always) to make sure the sellers have 1) cleaned out all their belongings and not left piles of old furniture, trash, etc. behind 2) maintained the home properly until closing (it should be in the same shape as when you 1st saw the home 3) completed any requested repairs that were agreed on. If anything is not as agreed on or if the home is no longer in the shape it was sold in, you need to fill out a sheet called a ‘Final Walk Thru Form’ and take it to closing with you. Any changes in the home’s condition or repairs that were not made properly will have to be re-negotiated with all parties.



    11.Closing Day!- When the big day gets close, you’ll want to contact the Title Company that’s handling the closing (they prepare the settlement statement that goes over all your charges, fees, and loan amounts. They also issue clear title on the home and prepare the deed among other ‘paperwork’ related items that facilitate the sale). The title company will tell you exactly how much money to wire to them for closing, which needs to be done prior to getting to the closing table. At your actual scheduled closing, you’ll go over all the loan docs, title information & more with your settlement agent and real estate agent. Once you sign and the funds are at the title company from your lender, the keys are yours!


Search Results


$292,000, 2 Beds, 2 Baths, 1,374 Sqr Feet
Largo at Oakbrook Woods – This beautifully renovated, remodeled 2BR/2BA home on a corner lot has a two car garage in the rear of the home facing 11th Avenue Southwest. As you enter the home from the garage, you step into the Kitchen with granite counter tops, new stainless steel appliances, plen
$275,000, 4 Beds, 2 Baths, 1,475 Sqr Feet
Beautifully remodeled Winston Park home! Walk into the bright and open living/dining room that feature beaming pearl epoxy floors to the remodeled galley style kitchen - ideal for cooking and entertaining. It has new grey shaker cabinets, quartz countertops, stainless steel appliance, a gas range an
$250,000, 3 Beds, 2 Baths, 1,444 Sqr Feet
One or more photo(s) has been virtually staged. Ever wonder what it means when someone says a house has “good bones”? Realtors toss that phrase out like it needs no explanation. Which makes you feel stupid for asking. So, you don’t ask. But you would love to know. Welp, here’s what it means:
$231,500, 3 Beds, 2 Baths, 1,301 Sqr Feet
Here it is .. a reasonably priced 3 bedroom, 2 bath, block home with a large fenced back yard in an upcoming neighborhood of North St Petersburg. Located just 15 minutes from the restaurants and night life of downtown St Pete, the beaches or Tampa International Airport, this home is perfectly loca
$219,900, 3 Beds, 2 Baths, 1,472 Sqr Feet
Block home with separate in-law apartment with alley access. Main house has 2 bedrooms and 1 bath. The in-law apartment has 1 bedroom and one bath. Main house has open kitchen to living room and dining area. Large parking pad in the front of the house and 2 parking spaces in back for apartment.
$219,900, 3 Beds, 2 Baths, 1,066 Sqr Feet
Recently updated, perfect starter home in a desirable location. Property is close to Gandy with access to South Tampa in minutes. This home features 3 bedrooms, 2 baths with washer/dryer hook-up next to the kitchen. New kitchen cabinets and appliances with granite counter-tops. Easy maintenance with
$219,000, 2 Beds, 1 Baths, 888 Sqr Feet
This Beautifully renovated home sits in the heart of St Pete close to everything the city has to offer. From the natural hardwood to the bungalow porch this home has tons of the original charm. Up grades include All wood cabinets, granite counter tops in kitchen and bath, New Roof (with warranty), V
$215,000, 2 Beds, 1 Baths, 1,113 Sqr Feet
ADORABLE MID-CENTURY MODERN Bungalow in Highly Desirable East Pasadena subdivision! Impeccably maintained Rancher with an OVERSIZED Detached Garage and 1 Car Carport with Alley Access to both! Perfect for two with room to expand! Once inside the home, there is a wonderful Living Room with raised, b
$210,000, 2 Beds, 1 Baths, 932 Sqr Feet
Located in the Historic Kenwood district, this SUPER cute and cozy home is ready for its new owner! On a corner lot, this spacious and well divided home would be PERFECT for the first time home buyer or retiree! Wood floors in the main area of the house and tile in the bathroom and kitchen. Stor
$210,000, 3 Beds, 2 Baths, 976 Sqr Feet
3 bedroom, 2 bath, 1 car garage home is centrally located in Largo, on a quiet street in Lake Breeze Estates. This home features ceramic tile throughout, a bay window in the kitchen for extra, natural lighting, a stoned, wood-burning fireplace in the living room, and a large enclosed Florida room
$194,900, 3 Beds, 1 Baths, 1,067 Sqr Feet
Fully remodeled 3 bedroom 1 bathroom bungalow in Gulfport. Upgrades include new cabinets with granite counter tops, new stainless steel appliances, new HVAC system, new flooring, fresh paint, etc. Call today before this one is gone!
$190,000, 3 Beds, 1 Baths, 1,340 Sqr Feet
Don’t miss your opportunity to make this 3 bedroom, 1 bath home with large family room the home that you envision for your future. Loved and cherished for 60 years, owner says it is time for someone to update and make their own great memories. This block home is in need of updating but many of the
$189,500, 2 Beds, 1 Baths, 804 Sqr Feet
One of the Limited Number of Homes Facing The Tangerine Greenway Park is Available For Sale. "Move-in Ready", "Beautiful & Turnkey", "Remodeled to Perfection" "Open Floor Plan". New Stainless Steel Appliances, New Custom Cabinetry, New Granite Countertops, Upgraded Lighting, and more!
$169,900, 2 Beds, 1 Baths, 778 Sqr Feet
There is a lot of “new” in this home. Completely renovated 2/1. Home was professionally updated in 2018 including new roof, central AC, windows, floors, kitchen w/granite counter tops and stainless appliances, bathroom, doors, paint and electrical. New window treatments added in 2019. Move-in r
$165,000, 3 Beds, 2 Baths, 1,444 Sqr Feet
Investor opportunity in up and coming area with convenient access to Downtown St. Petersburg, Front house is 3/1.5 Clean and ready for new owner or tenants. Garage apartment located in back and currently leased, please do not disturb tenants, Structural damage to the rear structure. New roof on main
$160,000, 3 Beds, 1 Baths, 1,516 Sqr Feet
INVESTOR SPECIAL..... CASH ONLY... This 3 bedroom 1 bath block home on large lot needs work. C/H/A replaced in 2019, roof 2007 Cash or rehab loan only. Tenants are month to month and may want to stay. Rent is low at 800.00 per month.
$154,500, 2 Beds, 1 Baths, 1,308 Sqr Feet
Adorable Block Home ** Cheaper than Rent ** NEW ROOF 2015 ** Newer ELECTRICAL PANEL ** NEW ENGINEERED FLOORING throughout home 2020 ** INDOOR LAUNDRY ROOM w/ washer/dryer included ** NICE location near LAKE MAGGIORE - FENCED YARD - GAS STOVE ** GAS HOT WATER TANK ** NEWER STAINLESS APPLIANCES! This
$140,000, 2 Beds, 1 Baths, 839 Sqr Feet
INVESTOR SPECIAL.... CASH ONLY This 2 bedroom 1 bath block home on a corner pie shaped lot is great for a flip or a rental. Needs work. Currently occupied with tenant that is month to month paying 895.00 and would love to stay if possible.
$139,000, 5 Beds, 3 Baths, 2,660 Sqr Feet
This magnificent home built in 1928 consists of a main house that has 4 bedrooms, two and a half bathrooms with an eat-in kitchen, original oak hardwood floors under the carpeting, two fire places one in the main living room and a second located in the master bedroom. The master bedroom not only has
$129,999, 3 Beds, 1 Baths, 840 Sqr Feet
Lovely affordable home Perfect for a 1st time home buyer or a wonderful investment property to add to your portfolio. This family home is located in a wonderful safe neighborhood with quiet streets and shade trees. Located at the end of the street this comfortable home has only one side neighbor and
$120,000, 2 Beds, 1 Baths, 1,054 Sqr Feet
Come and see this remodeled Bungalow. new flooring, Remodeled kitchen,Windows,Bathroom walk in shower. Plenty space in the back enough to build another house also good for parties or barbecue. Please don't disturb tenant. Great location few minutes to down town St Petersburg .Kitchen with large gra
$119,000, 3 Beds, 1 Baths, 800 Sqr Feet
This 3 bedroom 1 bath home is a great Investment property, or purchase to owner occupy. Property is tenant occupied Section 8 Income. Please do not disturb tenant. Showings permitted with offer only, serious inquiries only please.
$105,000, 2 Beds, 1 Baths, 616 Sqr Feet
Great investment opportunity in Lealman! This sturdy block home features an oversized parking pad, fenced yard, and wood deck! The home is built over a large crawlspace for convenience. The location is terrific! Just off 54th Ave N with easy access to I275, Tyrone shopping and dining, and beautiful