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Home Buyers Guide


Florida Home Buyers Guide

Florida is one of the most popular states to move to according to recent trends. In fact, it’s one of the hottest real estate markets in the country. It’s not hard to see why. Bordered by nearly 1,200 miles of beautiful coastline, Florida homeowners are never far from the beach. From South Beach in Miami to the world-renowned theme parks of Orlando, the cobblestone streets of Mount Dora or a slice of paradise in the Florida Keys, there are hundreds of cities and towns that people of all ages have called home and they’re ready and waiting to welcome you to their community!


Whether you’re new to Florida or have lived in the state for years, we know you’re going to love being a Florida homeowner. Buying your first home in Florida is a wonderful experience. Our team at Fidelity Home Loans has helped many first-time homeowners secure the right mortgage loan. In fact, our professional staff have an average of 20 years’ experience in helping families make their most important invest – a Florida home! Moreover, we are a downtown Fort Lauderdale, Florida business helping Floridians achieve their dream home or by assisting eager relocation families looking to spend their twilight in the sunshine state.

Why Buy A Home in Florida?

No matter if you’re a snowbird or a full-fledged Floridian, Florida real estate can be a great investment. Whether you’re from here or looking for a sunny place to break away from harsh northern winters, there’s never been a better to buy a home in Florida. People are herding to Florida, and if you own a piece of it, the value could rise as the state continues to see its population boom.


A Florida home can also be a terrific investment as a rental home. So, if you’re not ready to move to the sunshine state, there’s no reason you can’t be an opportunity for northern snowbirds looking for winter season rentals. Florida has so much to offer Floridians and visitors alike. Whether you prefer the seclusion of Reddington Beach near St. Petersburg or the wide beaches of St. Augustine, Florida has something for everyone at every life stage.

Top Tips for Florida Home Buying

Buying a house is an exciting time, but it's all about the details. Everything from the local economy to your financial information to the housing market in Florida will impact what home you purchase, how you finance it, and how much it costs.


The more you know about the steps to purchasing a home and the current real estate trends in Florida, the better you’ll be able to traverse through the process. Here are some tips and guidelines to help you get started:

  • Understand the Florida Real Estate Market
    Timing is everything when buying, especially in hot Florida real estate market. It’s important to research the market you’re interested in. See whether it’s a buyer’s or seller’s market. If certain regions are outside of your budget, research improving neighborhoods. Most of the state of Florida is an attractive real estate market, with a bunch of properties for sale, but also a lot of motivated buyers. Depending on the town and community, the market may be competitive. You can also find out the averaging selling days in a neighborhood to identify the speed of sale.
  • Find a Reputable Florida Real Estate Agent
    Finding a reputable Florida real estate agent is important. The right real estate person will identify your style, objectives, and budget, and align them with available homes for sale. 
  • Investigate Florida Home Loan Options
    Mortgages and home loans comes in a variety of shapes and sizes. It’s not one-size-fits-all, but rather an abundance of mortgage options that can help you achieve the dream of Florida homeownership. When you call a Fidelity Home Loan advisor, they will take the time to understand your situation and match you with the best mortgage that will meet your short- and long-term needs. Call for your free consultation today at 833-611-5626.
  • Get Familiar with Florida Property Tax Code
    Florida is a Homestead state. The Florida Homestead Exemption permits homeowners to claim up to a $50,000 exemption on their property taxes. This applies only to primary residences. The state’s average effective property tax rate is about 1%. Property taxes can be significantly different depending on which county you reside in.
  • Think About Weather for Your Home Insurance Needs
    If you’re relocating to Florida, it’s essential to consider weather events like hurricanes and tropical storms when anticipating homeowners’ insurance cost. For example, typical homeowners’ insurance doesn’t cover flooding, so you’ll need to have an individual flood insurance or risk devastating losses due to a hurricane. This can expensive, but your lender may require it depending on the cost of the home.
  • Understand Florida Ocean Front Property Law
    If you’re purchasing oceanfront property, understand the laws about your land. For instance, specific vegetation cannot be removed, or you may not be able to use outdoor lighting during turtle nesting season. On the sand, anything below the mean high tide line belongs to the state. If you don’t want people to occupy it, you may be able to restrict access to your property.

We’d love to talk about what you need.

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