First-time home buyer guide for South Florida

Guide outline, full version coming.

1. Know your real monthly cost: payment, taxes, HOA, insurance and flood insurance.
2. Get pre-approved by a lender you choose (Zach takes no referral fees).
3. Sign a plain-language buyer agreement: what Zach does and how he's paid.
4. Tour: same day when the listing side allows.
5. Offer, deposit, inspection period, condo document review.
6. Appraisal, insurance binder, clear to close, keys.

Florida help: the Florida Housing Finance Corporation runs first-time buyer programs; ask your lender which apply.