Home Buying Tips

Your home buying process made simple!

Interested in purchasing a Fort Lauderdale home? We’ve put together a list of home buying tips you can use as a guide. If you have questions or need help, we are only an email or phone call away!

1. Obtain proof-of-funds or get pre-approved for a loan

  • Meet with a loan officer to determine the price range of a Fort Lauderdale mortgage for which you are qualified. Generally the loan officer will ask you to share your income and other financial information. Let us know if you need a recommendation.
  • Get pre-qualified.
  • Obtain a pre-approval letter.
  • Obtain a “Truth in Lending” letter explaining the costs of borrowing money.
  • Learn about the loan options available to buyers in today’s market.
  • Learn about closing costs.

2. Contact your Luxury Living Fort Lauderdale real estate agent

  • Provide us with a copy of your Proof of Funds or Pre-Approval Letter.
  • Share your new home wish list and allow us to help make the home buying process easier.
  • When possible, all decision-makers should visit the various homes in Fort Lauderdale.
  • Always be candid with your Luxury Living Fort Lauderdale Realtor — it will help us understand your particular requirements and enable us to select homes you’ll want to see.

3. Make an offer

  • Your Luxury Living Fort Lauderdale Realtor will provide you with a list of comparable homes in order to assist you in making an informed decision.
  • We will go through the contract with you and complete your offer.
  • Negotiations will proceed until both buyer and seller agree on all terms and sign the contract.
  • All documents will be sent to a title company where a file will be opened, and title commitment and property tax information are ordered.

4. Complete your loan application

  • Give your loan officer a copy of the contract and apply for a loan.
  • Get pre-qualified.

5. Have the property inspected

  • Select an inspector and arrange for both a general inspection and wood-destroying insect inspection.
  • Your Luxury Living Fort Lauderdale Realtor also can provide information about other environmental assessments

6. Appraisal and survey of property

  • The lender and title company will make arrangements for the property appraisal and survey
  • You will be provided a copy of the Title Commitment Letter
  • You will need to make arrangements for homeowner’s (hazard) insurance at this point in the transaction, and arrange for the insurance agent to talk with the closing officer at the title company

7. Seller’s closing is also arranged

  • You will receive a copy of the closing statement for review prior to closing
  • You will perform a final walk-through inspection of the property
  • Your Luxury Living Fort Lauderdale Realtor will schedule a closing date and time with you and Title Company. The Seller’s closing is also arranged at this time.
  • You will need to provide a Cashiers Check for all closing costs and the balance of the down payment

8. After the closing

  • Documents are sent to the buyer’s loan company for approval and funds are disbursed
  • The title company receives and funds all money from the loan company. Payment of any accrued expenses in connection with the closing are due including taxes, attorney’s fees, professional real estate fees and title company fees
  • Legal documents will be recorded in the office of the county clerk and mailed to the buyer
  • Title company prepares and issues the title policy, and sends it to the loan company and new home owner

We hope you found these home buying tips helpful. Purchasing a home should be a rewarding and pleasant experience. For many it is one of the biggest purchases of their life, which can make the process seem intimidating. Fear not! When you have the Luxury Living Fort Lauderdale team on your side, you can be assured of the best experience possible.To date, 100% of clients rated our service as “EXCELLENT”! Don’t take our word for it, take a look at What Clients Are Saying about us!

Client Reviews


“Fantastic personal service. Very professional and knowledgeable staff who are attentive and ready to meet your needs. Highly recommend [the Luxury Living Fort Lauderdale] group.”


“Chad knows the Fort Lauderdale market, listens to his customers in order to find a truly “best match”, notices potential challenges of prospective properties, and ensures all of the details to move towards closing. I would recommend Chad wholeheartedly!”


“Chad is THE REALTOR you want if buying or selling in the southern Florida area. We told him what we were looking for and he found it fast. Within a few days we had our dream beachfront home. I highly recommend using [Luxury Living Fort Lauderdale’s] services.”


“Amazing group to work with! The best!”


“Everyone at Luxury Living Fort Lauderdale is extremely friendly and knowledgable. Chad Gray is my go-to person for Fort Lauderdale real estate. He’s fantastic!”


“Chad Gray went above & beyond to help me find exactly what I was looking for. He is meticulous & professional, & understands both the buyer & the seller & what it takes to get it done. The whole process went smoothly & quickly thanks to Chad’s expertise. THANK YOU CHAD!”


“Chad Gray was a superb real estate expert!  Look no further if you are interested in working with a responsive and well-informed specialist who has his finger on the pulse of local real estate!”


“Luxury Living Fort Lauderdale made selling our home so quick and easy. From day one, Chad Gray and his team were professional, friendly, and went above and beyond. They took the time to answer every question or concern no matter what it was. They found us a buyer the same day the house was listed and got us a great offer. Thanks for everything.”


“Chad Gray from Luxury Living Fort Lauderdale made the potentially stressful act of buying a home a pleasure. Chad was knowledgeable, thorough and efficient at every step–from the initial showings to resolving our punch-list with the seller through to closing. He even went so far as to send a helpful change of address checklist after we closed!  Customer service is clearly important to him. We trusted his advice on our purchase and now have a home we love.”


“My experience with everyone at Luxury Living Fort Lauderdale was pleasant from beginning to end. They helped sell my town house during a time when the real estate market wasn’t the best. I’m pleased to say I am confident I got the best price possible. I have already recommended them to everyone I know!”


“Chad Gray helped us with the purchase of our new home and [we] could not be happier. After a disappointing experience with our first real estate agent, we interviewed several replacements. Chad stood out as a consummate professional from the beginning and remained professional throughout our time together.”


“My husband and I sold our home in Victoria Park and purchased our dream home in Harbor Beach and we couldn’t have done it without Chad and his team. They were wonderful from beginning to closing. Thank you again Chad!”