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Buying a home is exciting! Whether you are shopping for your first home, the home you’ve always dreamed of or adding an investment property to your portfolio, buying is always a big investment. At 904 Realty we understand the importance of buying a home and we’re here to help you every step of the way. It is our goal to make sure we find the perfect property for your needs that checks all the boxes on your wish list. We know the local market and love what we do! We take pride in teaching you throughout the buying experience so that you don’t have any unanswered questions and understand the entire process.
Finding the perfect property is just one way 904 Realty agents help you with your property purchase. We also have access to Jacksonville’s top professionals in every related field from lending to relocation to home improvements.
Chances are, you have already discovered an online search feature, either with Zillow or Realtor.com. Those are great resources however, we can create a custom search for you based on your needs and wants. Feel free to keep searching and sending us addresses, or links to properties you find, but if you would fill out the form below, we can do a customized search for you directly through the MLS.
The very first thing you need to do is to get pre-qualified for a mortgage. This will allow you to know what realistic budget you have.
You will need to have at least 1% of the purchase price available immediately to have for a binder deposit. The binder deposit, or earnest money deposit, is your good faith in purchasing the property, but the binder deposit will be used towards the money you need to have for closing. The down payment is going to be anywhere from 3% to whatever you and your lender have decided unless you have a VA mortgage.
Also, there are closing costs and prepaids aside from the down payment. Depending on the market conditions, it is not out of the question that the seller may pay a portion of your closing costs if negotiated into your purchase and sales agreement.
Typically, you will have to pay for any and all inspections. Also, you will normally pay for the appraisal up front to your mortgage lender.
Typically, anywhere from 30-45 days.
Your 904 Realty agent will be able to walk you through the entire process from start to finish to ensure a smooth transaction. We will outline all of the deadlines to you so you don’t have to worry about any of that stress, we will literally tell you what is needed next every step of the way. Make this a fun experience!
The realtors at 904 Realty are expert negotiators. When you find the perfect home, we’ll help you submit an offer that we are confident will get you the best price possible. After an offer has been accepted we’ll help you navigate through the next steps of scheduling inspections, appraisals, and finally, closing on your new home. It is our promise to make the process as stress-free as possible. All these services are included at no cost to you