Closing on a home isn’t just one day —

it’s a journey.

Hey friends! Adaliz here! 🥳

If you think “closing” is just a quick signature and handshake, think again! In Florida, closing is a multi-step adventure with deadlines, inspections, title work, and lots of paperwork… but don’t worry! I’m here to make it all crystal clear.

Let’s take this journey together so you can guide your clients with confidence.

1) The Contract is Signed: Let the Countdown Begin!

Once both parties sign the Florida residential purchase agreement, the property is officially “under contract.” From here, the clock starts ticking:

• Earnest Money Deposit – The buyer deposits funds into escrow to show good faith.
• Contract Deadlines – Inspection periods, financing contingencies, and title review dates are set according to Florida statutes.

2) Title Search and Insurance: The Behind-the-Scenes Hero

A reliable title company reviews public records to confirm ownership and make sure there are no liens, judgments, or restrictions that could interfere with the sale.

• Why It Matters – Spotting title issues early helps prevent delays and keeps your closing on track.

3) Home Inspection and Negotiations: Detective Work Florida-Style

Most buyers hire a licensed inspector to check out the property’s condition. If issues pop up:

• Buyers may request repairs or credits.
• Sellers can agree, counter, or decline, following the contract terms.

4) Appraisal and Lender Requirements: Florida Market Check

If the buyer is financing, the lender orders an appraisal to confirm the home’s market value.

• If It Checks Out – Loan processing moves forward.
• If It Falls Short – Negotiations or adjustments may be needed.

5) Finalizing the Loan: Lender Review

Lenders review all financial documents to confirm buyer eligibility:

• Income verification
• Employment checks
• Credit review

Once everything clears, a “clear to close” is issued.

6) Closing Disclosure Review: No Surprises Allowed

At least three days before closing, buyers get a Closing Disclosure showing:

• Final loan terms
• Closing costs
• Funds required at closing

This ensures there are no last-minute surprises.

7) Final Walkthrough: Checking Everything Twice

Within 24 hours of closing, the buyer does a final walkthrough to:

• Confirm agreed-upon repairs are completed
• Make sure the property is in expected condition
• Check that no new issues have popped up

8) Closing Day in Florida – Paperwork to Keys

The big day is here!

• Buyers and sellers sign all required documents.
• Funds are transferred through escrow.
• The title is recorded in the buyer’s name.

Once the paperwork is complete, the keys officially change hands. (Cue the confetti! 🎉)

The Big Takeaway

The closing process in Florida isn’t just a single day. It’s a carefully coordinated journey designed to protect everyone involved. With a trusted title company, like The Closing Circle’s partner: Core Title Services, title issues are handled efficiently, ownership is verified, and your clients can step into their new home with confidence and peace of mind.