Home Buying Guide
Nobody reads this (full detail). Everybody reads this (the essentials).
The complete South Florida buyer journey — from first budget conversation through move-in day.
Buying a luxury home in Palm Beach, Boca Raton, or along the Treasure Coast moves quickly in season. This overview walks you through eight milestones. Each step links to a dedicated chapter with deeper detail — start with Budget & lifestyle goals, then work through financing, search, offers, due diligence, and closing.
What makes Florida different
Florida is an attorney-optional, title-company closing state. Coastal buyers must budget for wind, flood, and hazard insurance beyond the mortgage payment. Condo purchases require estoppel letters and reserve review. Homestead exemption reduces property taxes for primary residents after you occupy.
- 1
Define budget & lifestyle
Set price range, club needs, and must-have features.
- 2
Get pre-approved
Obtain proof of funds or jumbo pre-approval.
- 3
Search & shortlist
Use map search and community guides.
- 4
Tour privately
Schedule focused showings with your Palazzo advisor.
- 5
Make an offer
Structure price, deposit, and contingencies.
- 6
Due diligence
Inspection, insurance quotes, and HOA review.
- 7
Clear to close
Appraisal, final walkthrough, wire funds securely.
- 8
Close & move in
Record deed and coordinate move-in vendors.
Essentials checklist
- Pre-approval or proof of funds letter dated within 30 days
- Written wish list and deal-breakers shared with your advisor
- Attorney or contract reviewer identified if desired
- Insurance quotes planned during inspection period
- Wire instructions verification process understood
- Homestead filing reminder set for primary residence
Guide chapters
Chapter 1
Budget & lifestyle goals
Clarify price range, club needs, and must-have features before you tour.
Chapter 2
Financing & pre-approval
Luxury sellers expect strong financing documentation early.
Chapter 3
Search & shortlist
Use Palazzo search tools to build a focused shortlist.
Chapter 4
Tours & evaluation
Schedule focused showings with your Palazzo advisor.
Chapter 5
Making an offer
Structure a competitive offer with balanced risk.
Chapter 6
Due diligence
Protect yourself during the contract inspection period.
Chapter 7
Closing & taxes
Confirm funding, walkthrough, and recording.
Chapter 8
After closing
Coordinate vendors and update records after you record the deed.