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Free Download — 2026 Edition

The Complete Florida
Home Buyer's Guide

Everything you need to know before you buy — from pre-approval to picking up your keys. New construction tips, first-time buyer programs, closing costs, and more.

  • Step-by-step Florida home buying process
  • Every first-time buyer program available in 2026
  • New construction contracts — what to watch for
  • Florida closing costs fully itemized
  • Homestead exemption & insurance guide
  • 10 chapters, 15 pages — free, no strings attached
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What's Inside the Guide

10 chapters covering everything a Florida buyer needs to know.

Chapter 1

Your Home Buying Team

Who does what, and why having your own buyer's agent matters — especially in new construction.

Chapter 2

Know Your Budget

The 28/43 rule, getting pre-approved, and Florida-specific costs buyers underestimate.

Chapter 3

Florida Buyer Programs

FL Housing, Hometown Heroes, FHA, VA, USDA, and county assistance programs for 2026.

Chapter 4

New Construction Tips

5 contract warnings, the builder vs. buyer agent comparison, and inspection strategy.

Chapter 5

The Home Search

What to look for beyond the photos — roof age, HOA, flood zones, and insurance.

Chapter 6

Making an Offer

Contract components, contingencies, and how to protect your earnest money deposit.

Chapter 7

Florida Inspections

All 8 types of inspections — including wind mitigation, 4-point, and pre-drywall for new builds.

Chapter 8

Closing Day

Florida closing costs fully itemized, what to bring, and the wire fraud warning.

Chapter 9

Florida Homeowner Tips

Homestead exemption, flood insurance, HOA documents, and the Save Our Homes cap.

Chapter 10

Your Next Step

How Peak Trust Realty works — full representation at no cost to you.

$0
Cost to buyer for full representation
50+
Florida builders we work with
All FL
Statewide coverage
10 ch.
Chapters of expert guidance

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