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Mortgage Broker Fort Lauderdale FL | Florida State Mortgage Group, Inc.

Florida State Mortgage Group, Inc. are mortgage brokers in Fort Lauderdale, offering a comprehensive selection of loan options. Call us at (954) 359-3000.

  • About
    • About
    • Living in Fort Lauderdale
  • Loan Options
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(954) 359-3000

  • About
    • About
    • Living in Fort Lauderdale
  • Loan Options
    • Loan Options
    • VA
    • FHA
    • Conventional
    • Jumbo
    • First Time Home Buyer
    • Self Employed
    • Condominium Mortgages
    • Mortgage Credit Certificate
  • Purchase
  • Refinance
  • Resources
    • Resources
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    • What is Your Credit Score?
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What You Should Know About Buying a Home in Florida

December 9, 2019 by Stephen McWillam

Buy a Home in Fort Lauderdale

If you’re looking to buy a home in Florida, you’re in for a new experience. You will no doubt notice that there are things that are very different here in the Sunshine State if you’re moving here from out of state. Let’s look at some of these things.

Hurricane Shutters

In Florida, hurricanes are a fact of life. And so are hurricane shutters. But hurricane shutters come in various incarnations with a wide array of benefits and downfalls…and prices. Preparing for a hurricane can be labor intensive and the kind of hurricane protection you have will either make your life easier or much more difficult.

The best options to look for are hurricane resistant windows but these are typically newer or renovated homes. The next best option is accordion style shutters, especially if you have a two-story home. You may fall in love with a home without them and think that you’ll have them installed later. Consider that accordion shutter installation is very expensive and can add thousands of dollars to the cost of the home. Panel shutters are large, heavy and unwieldy. Putting up these large panels in Florida heat is not a pleasant experience.

Storage Space

Here in South Florida, most homes do not have basements, and some have carports instead of garages. This will limit your available storage space. Before going under contract for one of these homes, make sure to consider whether the home you want has enough storage space and, if not, where you will shelter your personal belongings as well as your car.

Homeowner Associations

Many suburban neighborhoods here in Florida are located within communities that are subject to association rules and fees. Some of these rules restrict the type of vehicle you can have or the pet you can keep. Make sure to research the community as well as the home and make sure that you have considered the HOA fees in your monthly financial calculations.  The mortgage company will!

Pool

Many homes in Florida have personal pools for good reason. Summers in Florida can be scorchers and having a pool can be a welcome respite. But make sure to consider the costs of maintaining that pool. Also, make sure to have a pool inspection done as part of the home inspection. You want to make sure that the pool is in good working order, has no leaks and is fenced in compliance with legal issues.

Too Late

Perhaps you have already purchased your perfect home in Florida and have discovered some of these for yourself. If you are looking for additional money for things like a pool or pool enclosure, accordion hurricane shutters or an addition to your home for added storage space, you may want to consider a home equity mortgage.

Call an Expert

Whether you are looking to purchase a new home or upgrade your existing one in Fort Lauderdale or anywhere in Florida, having the assistance of a mortgage professional is key. At Florida State Mortgage Group, Inc., we work with a network of trusted lenders throughout the state and can help you get the financing you need. Call one of our licensed Florida mortgage brokers at (954) 359-3000 for a free consultation.

Filed Under: Buy A Home Tagged With: Florida, Fort Lauderdale, Tips To Buy a Home

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Fort Lauderdale's Top-Rated Mortgage Company

Florida State Mortgage Group, Inc. is located on 1512 E Broward Blvd #204A, Fort Lauderdale. From Fort Lauderdale-Hollywood International Airport (FLL) head northwest toward Terminal Dr/Upper Terminal Dr and use the right 2 lanes to turn slightly right onto Terminal Dr/Upper Terminal Dr. Then use the left lane to keep right at the fork and follow signs for Departures and use the left lane to continue toward US-1 N. Next, keep left at the fork, follow signs for US-1 N/Ft Lauderdale and merge onto US-1 N. After that merge onto US-1 N and keep left to stay on US-1 N. Finally, turn right onto E Broward Blvd and Florida State Mortgage Group, Inc. will be on your right.

We are open Monday - Friday 9am - 6pm, Saturday - Sunday 10am - 4pm.

For additional questions you can call us at (954) 359-3000 or you can find us on Yelp and Birdeye.

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Florida State Mortgage Group, Inc.
1512 E Broward Blvd #204A
Fort Lauderdale, FL 33301
Phone: (954) 359-3000
Fax: 954-449-0283
NMLS# 393326
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Florida State Mortgage Group, Inc, Mortgage Broker, Fort Lauderdale, FL
Equal Housing Lender

Florida State Mortgage Group, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

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