Buy a Home
More Than Houses.
We Build Futures.
A clear plan from preapproval to keys, with someone in your corner at every step.
The Buying Process
Eight steps to your keys
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1
Check credit and budget
Know your score and the monthly payment you're comfortable with.
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2
Get preapproved
A lender confirms what you can borrow and which loans fit.
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3
Line up assistance
If you qualify, your lender reserves program funds before you shop.
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4
Tour with a plan
We focus on homes that fit your budget, commute and must-haves.
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5
Make a strong offer
I negotiate price, terms and seller credits toward your costs.
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6
Inspection and appraisal
Learn the home's condition and confirm its value.
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7
Final approval
You get your Closing Disclosure at least 3 business days before closing.
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8
Close and get your keys
Sign, fund and move in. Then file your homestead exemption.
Get Ready First
Financing, made clear
Most of a smooth purchase happens before you tour. Start with these four.
Credit
Many options open at 580 and more at 620. A short plan can raise your score.
Check your options →Cash to close
Closing costs often run 2% to 5% of the price. Assistance and seller credits can help.
See programs →Loan types
FHA, conventional, VA and USDA each trade down payment, credit and insurance differently.
VA loans →Explore Northeast Florida
People. Places. New Beginnings.
JacksonvilleExplore →
Orange ParkExplore →
MiddleburgExplore →
Fleming IslandExplore →
YuleeExplore →
St JohnsExplore →
Ponte VedraExplore →
Green Cove SpringsExplore →
$345,000
Duval County
$355,000
Clay County
$496,500
Nassau County
$568,750
St. Johns County
Median single-family sale prices, September 2026. Source: Northeast Florida Association of REALTORS®.
New Construction
Buying new? Bring your own agent.
The builder's sales team works for the builder. I work for you. Many builders pay the buyer's agent fee, and I'll confirm that before we visit.
- Register me on your first visit. Many builders won't work with an agent who wasn't there from the start.
- Compare incentives. Rate buydowns and closing credits often depend on using the builder's lender. We weigh that against outside quotes.
- Inspect anyway. A pre-drywall and a final inspection catch issues while the builder still has to fix them.
- Read the warranty. Know what's covered, for how long, and how to file a claim.
- Check HOA and CDD fees. Many new communities carry them. They change your monthly cost.
Let's Find Your Light
More Than Houses. We Build Futures. Pick the conversation that fits where you are today.