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The Sandberg Team @ Ponte Vedra Key Realty

Real Estate Sales & Service in Nocatee, Ponte Vedra & Jacksonville, Florida

Contact The Sandberg Team
904.703.4715 | Kim@KimSandberg.com
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You are here: Home / Homebuyer’s Checklist

Homebuyer’s Checklist

Buying a home doesn’t have to be stressful. With a little preparation and planning, you can quickly find the home that’s right for you and greatly reduce the likelihood of any roadblocks to closing.

Get Pre-Approved with a Lender
Understand Additional Fees
Understand Insurance Requirements
Understand Issues Surrounding Short Sale or Foreclosure
Know the Neighborhood

1. Get Pre-Approved with a Lender

– Pre-approved buyers are in a stronger position to negotiate, as financing is not a contingency

– In multiple offer situations, sellers are often more likely to choose an offer in which financing is already secured

– Knowing how much money you have to spend on your home can help you narrow your search

– You’ll have one less thing to worry about as you prepare for your move

2. Know and Understand what Additional Fees (if any) may come with your Home Purchase

– A condominium requires monthly fees be paid to the association, and special assessments for needed repairs or unforeseen expenses can be levied at any time

– Many communities require you to  a member of the homeowner’s association, which requires a fee (usually annually) to cover expenses related to upkeep around the community

– Some newer communities have Community Development District (CDD) fees that cover amenities/improvements in the community; the fees go to repaying a loan from the county to the developer and usually appear on your tax bill

– If your home is in a golf course community, you may also be required to obtain a club membership, sometimes including minimums for food/beverage services

3. Know the Insurance Requirements for Your Home

– If your home is in a flood zone, especially a flood zone A, your lender may require that you obtain flood insurance in addition to your regular homeowner’s policy

– Your home’s proximity to a fire station can have an impact on the cost of your insurance policy

– If you’ll be keeping anything of extraordinary value in your home, e.g., fine art, jewelry, wine, etc., you may want to discuss additional coverage with your agent

– Be sure to ask your agent about any special discounts available on your home, e.g., an alarm system, etc.

4. If Considering a Short Sale or Foreclosure, Understand the Issues Upfront

– If you have a deadline for being in your home (for children to start school, for example), then the extended timeline and uncertainty of a short sale or foreclosed home may not be right for you

– Short sales and foreclosures are generally sold “as is”, meaning you are on the hook for any required repairs or outstanding fees (HOA, condo association, etc.)

– Be prepared to work on the bank’s timeline and to be treated like a number

– Lastly, see my primer on buying a short sale (will link to some of your other content on short sales)

5. Do Your Research and Know the Neighborhood

– Research the neighborhoods you may be interested in to determine distance from your workplace, what amenities are available and how close you’ll be to shopping, services, schools, etc.

– If you have questions about zoning or what’s being built around your neighborhood of choice, check the appropriate county websites (ask me for a list)

– Get a copy of any covenants and restrictions that are in place for your targeted communities

– Use the links in the footer below to browse popular area communities

Gated Communities

  • Coastal Oaks at Nocatee
  • Marsh Landing Country Club
  • Plantation Oaks
  • Queens Harbour
  • The Plantation

55+ Communities

  • Bridge Bay at Bannon Lakes
  • Cascades at WGV
  • Del Webb Nocatee
  • Del Webb Ponte Vedra
  • Stillwater

Golf Course Communities

  • Jacksonville Golf & Country Club
  • Marsh Landing Country Club
  • Queens Harbour
  • St. Johns Golf & CC
  • Stillwater

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