Buying a House in Florida? Here's What You’ll Need to Qualify

Buying a House in Florida? Here's What You’ll Need to Qualify

Buying a home in Florida is an exciting step, but it comes with specific requirements that can vary based on your financial situation and the financing options you are considering. Understanding the requirements to buy a house in Florida is key to turning that dream into reality. From credit scores to down payments, knowing what lenders and sellers expect can streamline your homebuying journey. Let's delve into what you'll need to qualify for a home purchase in the Sunshine State.

What Are The Requirements To Buy A Home In Florida?

Purchasing a home in Florida involves several key financial and legal considerations. From creditworthiness to employment history, each factor plays a…

25 Views, 0 Comments

Read Full Post

Cost of Owning a Home in Florida: Insurance, HOA, and Taxes Explained

Cost of Owning a Home in Florida: Insurance, HOA, and Taxes Explained

Owning a home in Florida offers a lifestyle filled with sunshine and coastal charm. However, it's important to recognize that the cost of owning a home in Florida extends beyond the mortgage payment. Homeowners insurance, HOA fees, and property taxes all factor into the total expense. Knowing these costs helps you budget effectively and decide if Florida homeownership fits your financial goals and lifestyle.

All Costs to Consider When Owning a Home in Florida

When considering owning a home in Florida, it's fundamental to account for all associated costs. Expenses such as homeowners' insurance, HOA fees, and property taxes can significantly impact your budget. Being aware of…

194 Views, 0 Comments

Read Full Post

Central Florida Real Estate Recap of April 2025

April’s housing data projects a promising summer for those looking to make a move in Orlando’s real estate market


State of the Market

  • Overall sales increased by 62.4% from the start of the year to April. There were 1,514 sales in January and 2,459 sales in April.
  • There were 4,151 pending sales in April.
  • Inventory for April was recorded at 13,304, up 41.9% from April 2024, when it was recorded at 9,376.
  • The median home price for April was recorded at $389,900.
  • April’s interest rate was recorded at 6.6%.
    • Interest rates have hovered in the 6.0-range since October 2024.
  • There were 4,503 new listings in April.
  • Homes spent an average of 70 days…

886 Views, 0 Comments

Read Full Post

10 Home Upgrades That Can Increase Your Florida Property Taxes

10 Home Upgrades That Can Increase Your Florida Property Taxes

Upgrading your Florida home—whether it’s a kitchen remodel, new pool, or a room addition—can boost comfort, curb appeal, and resale value. But many homeowners don’t realize these improvements can also raise their property taxes. In Florida, property taxes are based on the assessed value of your home, and certain upgrades can push that value higher. Understanding what home improvements increase property taxes in Florida can help you plan smarter and avoid costly surprises after renovations.

Why Do Home Improvements Increase Property Taxes in Florida?

In Florida, property taxes are based on the assessed value of your home. When you make significant improvements, such as adding…

605 Views, 0 Comments

Read Full Post

When Are Property Taxes Due in Florida? Important Deadlines to Know 

If you own property in Florida, staying on top of property tax deadlines can help you avoid penalties and even save money. While Florida does not have a state income tax, property taxes play a major role in funding essential services like schools, roads, and emergency response.

So, when are property taxes due in Florida? They become payable on November 1 each year and are considered late after April 1 of the following year. Missing deadlines can lead to extra fees, interest charges, or even a tax lien on your property. Below, we’ll walk you through Florida’s property tax process and how to stay ahead of your payments.

What Are Property Taxes in Florida?

Property taxes in…

710 Views, 0 Comments

Read Full Post

How Will Tariffs Affect the Housing Market in Florida?

If you're considering buying or selling a home in Florida, you're likely aware of the challenges in today's real estate market. Beyond the usual factors, tariffs on imported materials are adding another layer of complexity. These tariffs are increasing construction costs, which in turn are influencing home prices and market dynamics. Understanding how tariffs real estate policies impact the housing market can help you make informed decisions.

What Are Tariffs and How Will They Affect Real Estate?

Tariffs are taxes imposed on imported goods, thereby increasing their cost. In the context of real estate, tariffs on materials such as lumber, steel, and aluminum are increasing construction…

603 Views, 0 Comments

Read Full Post

First-Time Home Buyer Programs & Loans Available in Florida

Embarking on the journey to homeownership in Florida is both exciting and challenging. The state's vibrant communities, sunny landscapes, and diverse housing options make it a desirable place to live. However, the financial demands of purchasing a home can be daunting, especially for first-time buyers. Fortunately, there are numerous first-time home buyer programs in Florida designed to make homeownership more accessible. These programs offer financial assistance, favorable loan terms, and educational resources to guide you through the process. Understanding these options can empower you to make informed decisions and achieve your homeownership goals.

Available Programs for Florida…

164 Views, 0 Comments

Read Full Post

How Roof Age Affects Your Home Insurance in Florida

How Roof Age Affects Your Home Insurance in Florida

 In Florida, your roof’s age plays a major role in determining your homeowners insurance rates and coverage. Insurers often view older roofs as higher risk, which can lead to increased premiums or reduced protection. Whether you're buying, selling, or maintaining a home, understanding how Florida insurance roof age impacts your policy can help you make smart decisions, avoid surprises, and protect your investment.

The Impact of Roof Age on Insurance Premiums in Florida

Older roofs are often associated with higher insurance premiums due to the increased risk of damage from Florida's severe weather conditions. Insurance companies view older roofs as more susceptible to leaks, wind damage, and…

330 Views, 0 Comments

Read Full Post

How to Reduce Property Taxes in Florida

Reduce Property Taxes

Owning a home in Florida comes with many benefits, but property taxes can be a significant expense. The good news? There are several ways to reduce your property tax bill and keep more money in your pocket. By taking advantage of exemptions, assessment limitations, and other tax-saving programs, Florida homeowners can lower their annual costs without sacrificing their financial well-being.

If you're wondering how to reduce property taxes in Florida, here are some of the best strategies to consider.

How Can You Reduce Property Taxes in Florida?

In today’s economy, every expense adds up, and property taxes are no exception. Fortunately, there are several ways to lower your tax burden, helping you save…

575 Views, 0 Comments

Read Full Post

Who Gets What? A Guide to Florida's Marital Property Laws

Florida Marital Property Laws: Who Gets What in a Divorce?

Dividing assets during a divorce can be overwhelming, especially when real estate is involved. If you’re wondering, is Florida a marital property state?—the answer is no. Unlike community property states, Florida follows equitable distribution, meaning assets and debts are divided fairly but not necessarily equally. This process can be complex, making it important to have the right support when making financial decisions. If selling your home is part of your divorce settlement, working with an experienced real estate team can make all the difference.

Is Florida a Marital Property State?

Florida does not follow community property laws. Instead, it operates under the principle of…

290 Views, 0 Comments

Read Full Post