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Picking The Right Title Co.
  Big commitments can feel overwhelming. But once you have a good understanding of the process, a good real estate agent and a title company that understands real estate in Florida, you'll feel a lot more comfortable. In fact, it's at closing when you're ready to sign and finally acquire your own piece of real estate in Florida. Remember, the right real estate agent and title company can make the difference between a smooth closing and one that falls apart in the eleventh hour. When it comes to real estate in Florida, the closing process is more than just a day of signing papers, so we'll break it down into more digestible chunks.

The Pre-Closing Process

Getting ready for the big day.

There are a few important matters to take care of between the day your offer is accepted and the day you hold the keys to your new home.

The most important are:

  • Inspection. Imagine the poor soul who makes the largest purchase of his or her life without thoroughly inspecting the goods! Major flaws are not uncommon, especially in older homes, and you'll want to know what you're dealing with up-front.
  • Appraisal. After you apply for a loan, the lender will call for an appraisal of the home's market value; no lender wants to lend you more money than the home is worth.
  • Title Insurance. Title insurance protects you (and the lender) should something in the property's history threaten your ownership rights.
  • Homeowners Insurance. If you are applying for a mortgage, the lender will insist you buy homeowners insurance. This insurance protects not only your home, but also your personal belongings inside.

Use a  pre-closing checklist to help you keep track of where you are in the pre-closing process.