Buying a home in Palm Beach County
We'll help you set a budget that works, find the right neighborhood, write a strong offer and get to closing without surprises.
Call 561-228-4888How buying works
Step 1
Set your budget
Talk to a lender and get pre-approved. Plan for the full monthly cost, not just the mortgage: property taxes, homeowners insurance, flood insurance where needed, and any HOA or condo fees.
Step 2
Choose where to live
Tell us what matters most: commute, schools, water, walkability, quiet. We'll narrow down the neighborhoods and communities that fit.
Step 3
Tour homes
We set up showings, point out what to look for, and pull the sales history so you know what a home is really worth.
Step 4
Make an offer
We'll recommend a price and terms based on recent sales, then negotiate for you. A pre-approval and a clean, well-written contract make your offer stronger.
Step 5
Inspections and appraisal
Get the home inspected during your inspection period. Your lender orders an appraisal, and your insurer may ask for a 4-point or wind mitigation report.
Step 6
Close
The title company handles the closing. Do a final walk-through, sign, and get your keys.
Costs to plan for
- Down payment, which depends on your loan type
- Closing costs: lender fees, title and settlement fees, recording fees and prepaid taxes and insurance
- Inspections, and an appraisal if you're financing
- Homeowners insurance, and flood insurance if the home is in a flood zone or your lender requires it
- HOA or condo association fees, and any special assessments
Florida things to know
- If the home will be your primary residence, apply for the homestead exemption with the Palm Beach County Property Appraiser. It can lower your property taxes.
- Insurance costs vary a lot by home age, roof and location. Get quotes early, before your inspection period ends.
- Buying in a condo or HOA community? Read the association documents, rules, budget and reserves before you commit.
- Ask about the roof's age and the home's flood zone. Both affect insurance and resale.
Ready to start looking?
Call us to talk through your budget, timing and the neighborhoods you're considering.
Call 561-228-4888General information only, not legal, tax or financial advice. Confirm details with your attorney, title company, lender or tax advisor.