Evolve Estates Group

How much do I need for a down payment?

FHA loans start at 3.5% down, Conventional at 3-5%, VA and USDA at 0% down. On a $350K home, that is $12,250 for FHA or $0 for VA.

What credit score do I need to buy a home?

Most lenders want a 620 minimum for Conventional, 580 for FHA. Some programs go lower.

How long does it take to buy a house?

From pre-approval to closing, typically 30-45 days. Getting pre-qualified first is the single biggest time-saver.

Do I pay the real estate agent?

As a buyer, your agent commission is typically paid by the seller or negotiated as part of the transaction.

Can I buy a home before I move to Florida?

Yes. We handle virtual showings, remote inspections via video, and you can close with a mobile notary in your current state.

How do I establish Florida residency?

Update your driver license within 30 days. Register to vote. File for Homestead Exemption by March 1 of the year following your purchase.

Is flood insurance required in Florida?

If your property is in a FEMA-designated flood zone and you have a federally backed mortgage, yes. Costs range from $400 to $3,000+ per year.

What about hurricanes in Florida?

Modern Florida construction (2002+) is built to current wind codes. Central Florida is inland and gets significantly less hurricane damage than the coast.