Complete Offer to Close Process  

Step 1 – Sign the Buyer Representation Agreement

Before we even view any properties, we’ll sign a Buyer Representation Agreement. This outlines
the commission structure, transaction fees, and my commitment to representing your best
interests. Please read every document carefully, and never hesitate to call or text me with any
questions. AND we will need you pre-approved by a local lender or Proof of Funds from a US
Financial Institution. The Search now begins. Here are the things you will need to share with me!

Congratulations! 🎉
You’ve found the right property! Now, we’ll move quickly to secure the best possible deal for
you—before other buyers swoop in. Time is of the Essence! Here’s are the steps we need
to complete to close:

Step 2 – Crafting Your Offer

We’ll decide on the offer price, earnest money deposit (typically 20–30% to show the seller
you’re serious), and whether you’ll pay cash or finance with a lender. We’ll also set a closing
date—20–30 days is standard, but cash deals can close sooner. I’ll need either Proof of Funds or
a Lender Pre-Approval Letter. Inspection periods are usually 5–10 days, and I always
recommend you attend.

Step 3 – Earnest Money Deposit

The Earnest Money Deposit will be given to our Signature Title Group (SGT) when the offer is
written. You’ll wire your earnest money deposit to SGT to be placed in an escrow account.

Always call to get the complete wire information.

Step 4 – Due Diligence & Inspections

Schedule your inspections promptly. Common home inspections include:
• 4-Point Inspection

• Termite/WDO Inspection

• Additional specialists if needed (e.g., seawall, dock, or aging roof).

Review all rules, regulations, seller disclosures, and past inspection reports. Inspectors will find
flaws—even in brand-new homes—so we can negotiate repairs or credits if needed.   

Step 5 – HOA/Condo Association Approval (if applicable)

If the property is in an association, submit your application within 5 days of the accepted offer.
The fee is typically $100–$150 per adult. Florida law prohibits closing until the association
grants approval, which can take up to 30 days.

Step 6 – Secure Homeowners Insurance

After inspections, contact your insurance provider. They’ll need copies of your Wind Mitigation
and 4-Point Inspection reports to provide coverage quotes and issue your policy. They will need
to know which Title Company you want them to send the information.

Step 7 – Title & Survey Review

The Title company will send you a preliminary title report and (for single-family homes) a
survey. Review them carefully and reach out to the title agent with any questions or concerns.

Step 8 – Set Up Utilities

About a week before closing, arrange for utilities—electric, water, gas, internet—to be
transferred or activated in your name.

Step 9 – Final Walk-Through

One to two days before closing, we’ll do a walk-through to ensure the property is empty, clean,
and in agreed-upon condition.

Step 10 – Closing Day

Closing can be done in person at the title company, or remotely. If financing, expect more
paperwork. Wire your funds the day before, or morning of closing—always call to confirm
instructions with the title company to avoid wire fraud.

Congratulations Again! 🎊

Moving can be a big job, but it’s also the start of a wonderful new chapter. It’s always a joy to
see my buyers step into the home that’s just right for them—and I wish you many happy years
ahead in your new Florida property  

Karen Foster 

Broker Associate

Signature International Real Estate, LLC

561-212-7769

Karen.Foster@SignatureFlorida.com

Andrew  (Andy) Novak

Signature Choice Mortgage 

(954) 873-3839

Anovak@choicemortgage.com

https://andrewnovak.floify.com/apply-now

ChoiceMortgage.com/

Inspection America 

561-392-6040

InspectionAmerica.com

Signature Title Group 

561-988-0088

neworders@gefenlaw.com

https://www.gefenlaw.com