Your Dream Home Awaits with Team Hakim
Imagine buying a home with the support of friends who know the market and truly care about your goals. We’re here to guide you through every step of the process, from finding the perfect home to negotiating the best deal, all without any pressure.
Helpful Resources
First-Time Buyer Guide
A helpful resource to walk first-time buyers through the process, from mortgage pre-approval to closing.
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Frequently Asked Questions
How much do I need for a down payment in Florida?
Conventional loans often start around 5–20% down, but FHA loans can go as low as 3.5%, and there are first-time buyer and VA programs that require even less. We can connect you with lenders who’ll walk through your specific options before you start touring homes.
Do I need to be pre-approved before I start looking at homes?
Yes, unless you’re paying cash — pre-approval tells you what you can actually afford and makes your offer competitive when you find the right home. Cash buyers just need proof of funds instead. In a market like Wesley Chapel’s, sellers often won’t take an offer seriously without one or the other.
How long does it take to buy a home in Florida?
From your first showing to closing day, most buyers are looking at 30–60 days once an offer is accepted — sometimes faster with a cash offer. The search itself can take anywhere from a few weeks to a few months depending on what you’re looking for.
Do I need a home inspection when buying?
It depends on your loan type — some lenders require one as a condition of financing, and even when it’s not required we strongly recommend it. An inspection can uncover issues that affect your offer or give you leverage to negotiate repairs or a price adjustment before you close.
Do I need a real estate agent to buy a home in Florida?
You don’t have to, but in most cases it costs you nothing extra — the seller typically covers the buyer’s agent commission. Having someone in your corner for negotiations, paperwork, and local market knowledge is worth it for most buyers.
What costs should I expect beyond the down payment?
Plan for closing costs (typically 2–5% of the purchase price), a home inspection, and possibly an appraisal fee. We’ll give you a clear breakdown of expected costs early on so there are no surprises at closing.