Buying With Us
Buying a home is quite possibly one of the most significant milestones in your life.
At Dgani Empire, we understand that for Florida home buyers, purchasing a new home is not just an investment; it’s the realization of dreams and hard work. That’s why we go above and beyond to provide a first-class experience. Whether you’re buying in person, virtually, or relocating to Florida, you need an experienced and professional coach to lead your real estate dream team. We excel in guiding you every step of the way, ensuring a smooth path to a successful closing.
Our
Home Buying Process
Determine Your Buying Power
Determine how much you can comfortably afford, taking into account your income, expenses, and existing debts.
Reviewing your credit score is essential, as a higher score can secure a better mortgage rate in Florida. Fortunately, there are programs available to help first-time home buyers in Florida and buyers with low credit scores.
Find A Lender & Get A Mortgage
Pre-Approval
Research and choose a reputable lender. We have a list of choice lenders in Florida to assist with securing Florida mortgage pre-approval. With a reliable lender, you’re one step closer to finding affordable homes in Florida that fit your budget.
Once you decide on a lender, they will require you to submit your bank statements, proof of income and employment, as well as other financial documents in order to preapprove you. They will also run your credit report to determine your creditworthiness. Don’t worry, this is all a normal part of the process.
Choose An Dgani Empire Realty Agent
Your realty agent‘s role is vital. They will help you find suitable properties, negotiate offers, and navigate the paperwork.
Our agents are highly knowledgeable about the Florida real estate market and committed to helping you navigate the market confidently. Whether you’re interested in homes for sale in Miami, Tampa, or Orlando, we ensure that you’ll find the best fit. Choose an agent with the expertise you need to manage this critical transaction professionally.
Narrow Down Your Search Criteria
Your agent can assist you in narrowing down some key factors in your home search.
Location: Are you looking for waterfront homes in Florida or family-friendly neighborhoods near good schools?
Property Type: Decide if you prefer a house, condo, or townhouse—we have access to a wide range of properties, including luxury homes in Boca Raton and affordable homes in Jacksonville.
Features and Amenities: List out your priorities, such as energy-efficient homes or pet-friendly homes in Florida.
Property Search: Attend open houses, view online listings, and tour neighborhoods to find your dream home in Florida.
Making An Offer
Negotiation: Work with your agent to make an offer. We provide a comparative market analysis to ensure your offer reflects the true market value. Whether you’re negotiating for a vacation home in Key West or a new construction home in Orlando, we’ll help you reach an agreement.
Offer Acceptance: Once both parties sign, the offer becomes legally binding, setting off a countdown to closing.
Due Diligence Period
During your due diligence period you have the right to terminate an agreement without reason. However after the due diligence period has expired, your earnest money may be at risk if you opt to terminate at that point. Read your terms carefully.
Inspections occur during this preliminary contract period. Your agent can assist you in finding a licensed, insured and reputable inspector. It is very normal for an inspection report to come back with deficiencies. No home is perfect so review the report carefully but without angst. Ask questions of your inspector and agent if you don’t fully understand.
Your due diligence period is the perfect time to meet the neighbors, spend more time in the community and drive by at various times of the day. By doing this, you have an opportunity to experience the home differently and ensure you still love it.
Secure Financing
Getting preapproved was only half the financing process. Now you have to secure your financing.
Finalizing your mortgage commitment will often require you to provide additional documentation requested by your lender.
When you have formally applied for your mortgage the lender will order an appraisal to determine the true value of the property. If it appraises for less than the agreed-upon price, negotiations may reopen.
The underwriting process is the time in which a lender reviews your financial information, the property’s appraisal, and other details before approving your loan.
Closing
The closing attorney is often chosen by the buyer but there are exceptions where the seller chooses. The attorney will perform a title search to ensure clear title and purchase title insurance on your behalf and on behalf of the lender. These are costs that will show up on your settlement statement.
Understand and prepare for closing costs, which may include origination fees, points, appraisal fee, taxes, attorney costs, and more.
Prior to settlement day you will likely wire funds to the attorney. Be sure to reconfirm directly and verbally with the attorney what their correct wiring instructions are. Wire fraud is rampant and we wouldn’t want it to happen to you.
Closing day you will show up on time to the closing table, bring your ID and your checkbook in case there are any miscalculated overages. You will sign several documents and then the property’s ownership is transferred to you. Collect your keys and congratulations!
Leave Your Worries to Us
Coordinating a move can be challenging. With our turnkey program, you can choose to have our team coordinate your move using our network of movers, locksmiths, and contractors. Upon move-in, our designers can also help bring your dream home to life. We will be with you every step of the way, serving as your one-stop shop for all your real estate, renovation, and design needs.
INTEGRITY, TRUST, TRANSPARENCY & RESULTS are the core tenets of Dgani Empire.