Sarasota & Southwest Florida Real Estate Search


Real Estate Buyer Process

Steps to Buying a Home in Sarasota and Southwest Florida

1. Check Credit & Get Pre-Approved

Before starting your Sarasota home search, check your credit report at and get pre-approved for a mortgage. Lenders typically require a 620+ credit score. Getting pre-approved shows sellers you're a qualified buyer.

2. Determine Your Budget 

Use online mortgage calculators to estimate your affordable monthly payment based on income, debts, and down payment funds. Account for closing costs like appraisal, inspection, and moving expenses.

3. Find a Local Lender & Realtor®

Partner with a Sarasota lender and Realtor® you trust. Your agent can provide lender recommendations and guide you through the entire process.

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4. Define Your Home Criteria

Make a list of must-haves like number of bedrooms/bathrooms, yard size, commute times, school districts, and neighborhood amenities. This focuses your Sarasota home search.

5. Make an Offer

Once you find the right property, your agent will run a comparative market analysis to guide your offer price. Be prepared to negotiate back-and-forth.

6. Get the Right Mortgage 

Work with your lender to select the best mortgage type for your situation - fixed-rate, adjustable-rate, FHA, VA, etc. Understand the rates and terms.

7. Close on Your New Home

Schedule a home inspection before closing. On closing day, you'll sign paperwork and receive your new house keys! 

8. Schedule the Move

Contact reputable Sarasota moving companies to get quotes and schedule your moving date a few days after the anticipated closing date. This allows flexibility in case the closing is delayed.

9. Move In & Enjoy!

Start settling in and experiencing everything Southwest Florida has to offer.

Looking to buy a home in the Sarasota area? Our experienced agents at Keys of Southwest Florida can guide you through every step.