Your Guide to Selling a Home in Florida
A successful sale starts with a clear plan: choose your agent, estimate your net proceeds, prepare the property, compare offers and coordinate closing. Florida Homes & Loans helps sellers across Central Florida and the Space Coast navigate each step.
Additional educational resources below are provided by Freddie Mac. External links open in a new tab.
1. Choose Your Real Estate Agent
Discuss local experience, pricing, marketing, communication and the services included in your listing agreement. Choose an agent who understands your goals and explains the process clearly.
Finding and Working With Your Agent ↗2. Understand Your Selling Costs
Request an estimated seller net sheet. Review your mortgage payoff, negotiated brokerage fees, applicable closing costs, prorations, repairs and any buyer credits. The sale price is not the amount you will take home.
Understanding Selling Costs ↗3. Prepare Your Home
Prioritize cleaning, decluttering, maintenance and presentation before photography and showings. Discuss which improvements are worthwhile for your property and budget, and address required disclosures with your agent.
Preparing Your Home for Sale ↗4. Compare Offers and Negotiate
Look beyond price. Compare financing, deposits, contingencies, requested credits, closing dates and possession terms. Your agent can help explain the practical differences and coordinate negotiations.
Negotiating and Accepting an Offer ↗5. Prepare for Closing
Coordinate contract deadlines, agreed repairs, moving arrangements and final documents with your agent and closing provider. Confirm when funds will be disbursed and when possession transfers under your contract.
Understanding the Closing Process ↗Plan Your Next Move
Buying another home? Coordinate your sale timeline, temporary housing if needed and financing before committing to the next purchase.
Search Homes for Your Next MoveThinking About Selling?
Start with a home-value review and a conversation about your timing, preparation and estimated proceeds.
Educational guidance only. Home-value and net-proceeds estimates are not guarantees. Costs, timelines and obligations depend on the property, negotiated agreements and transaction details.
Homebuyer & Homeowner Resources
Plan your next move with calculators, worksheets and checklists for buying, financing and owning a home. Use these tools for guidance and estimates; ask your lender for calculations specific to your situation.
The resources below are provided by Freddie Mac's My Home website. Links open in a new tab. Florida Homes & Loans does not operate these external tools.
Preparing for Homeownership
- Rent vs. Buy Calculator ↗
Compare renting and buying using your own assumptions.
- Homebuying Budget Calculator ↗
Explore a purchase budget that fits your monthly finances.
- Budget Worksheet ↗
Organize income and expenses before planning your purchase.
- Debt-to-Income Ratio Calculator ↗
Estimate how monthly debt compares with gross income.
- Housing Expense Ratio Calculator ↗
Compare estimated housing expenses with gross monthly income.
- Closing Day Checklist ↗
Prepare for the final steps of your home purchase.
Finding the Right Home Loan
- Mortgage Amount Calculator ↗
Explore a possible loan amount; this is not a qualification decision.
- Loan Comparison Calculator ↗
Compare loan scenarios using the terms you enter.
- Mortgage Worksheet ↗
Organize questions and compare lender offers.
- Fixed-Rate Mortgage Calculator ↗
Estimate payments for a fixed-rate loan.
- Adjustable-Rate Mortgage Calculator ↗
Explore payments under adjustable-rate assumptions.
- Fixed vs. Adjustable Rate Calculator ↗
Compare fixed and adjustable-rate scenarios.
- 15-Year vs. 30-Year Calculator ↗
Compare payments and interest across two loan terms.
Calculating Homebuying Costs
- Down Payment Calculator ↗
Explore the effect of different down payments.
- Private Mortgage Insurance Calculator ↗
Explore an illustrative PMI estimate; request an actual quote.
- Closing Costs Calculator ↗
Plan for estimated upfront purchase expenses.
Owning and Refinancing a Home
- Home Equity Calculator ↗
Estimate equity using a home value and mortgage balance.
- Extra Payments Calculator ↗
Explore how additional payments may change payoff timing.
- Home Maintenance Checklist ↗
Organize routine and seasonal maintenance tasks.
- Tax Savings Calculator ↗
Explore an illustrative tax scenario; consult your tax professional.
- Refinance Calculator ↗
Compare your current loan with a possible refinance.
- Refinancing Cost Calculator ↗
Estimate upfront costs for a refinance.
Want Help Understanding Your Numbers?
Ask Gemma about mortgage options, or connect with our real estate team about your next move.
Estimates are not loan approvals, commitments to lend, appraisals or tax advice. Results depend on inputs and tool assumptions and may exclude costs. Rates, insurance, taxes, fees and program requirements vary. FHL Mortgages is a DBA and mortgage department of Florida Homes & Loans Inc. | NMLS #2295908. Gemma Peterson | NMLS #2121526. Please request secure upload instructions before sharing financial documents.