How to Go from Renter to Homeowner in Florida in 6 Steps

If you’re renting in Florida but dreaming of owning a place to call your own, you’re not alone. With rising rent prices and long-term financial benefits to homeownership, many renters are realizing that buying a home may be more achievable than they once thought. The good news? You don’t need to figure it out on your own.

Here’s a simple, step-by-step guide to help you make the transition from renter to proud Florida homeowner:

1. Check Your Finances

Start by reviewing your credit score, monthly expenses, and how much you’ve saved for a down payment. You don’t need 20%, many programs offer home loans with just 3% down. I help clients explore loan options based on their unique situation.

2. Get Pre-Approved

Before shopping for homes, talk to a lender (like me!) to get pre-approved. This provides a clear budget, strengthens your position when making an offer, and demonstrates to sellers that you’re serious.

3. Find the Right Real Estate Agent

Partner with an experienced agent who knows your local market. They’ll guide you through the search process, negotiate on your behalf, and make sure you're protected every step of the way.

4. Start House Hunting

Think about what you need now and in your future location, schools, space, and commute. Take your time and ask questions. Your dream home is out there.

5. Make an Offer and Lock in Your Loan

When you find the right home, your agent will help you make a strong offer. At the same time, I’ll help you finalize your mortgage terms and secure the best available interest rate.

6. Close and Celebrate!

Once inspections, paperwork, and final approvals are complete, you’ll officially become a homeowner. Get ready to move in and start building equity in a place that’s truly yours.