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Home Buyer Checklist
🏡 Your Ultimate SE Florida Home Buyer Checklist
From Dreaming to Closing — A Trusted Agent’s Guide
Buying a home in Southeast Florida isn’t just a transaction—it’s a lifestyle decision. Whether you’re drawn to waterfront views, vibrant communities, or year-round sunshine, this comprehensive checklist will guide you from your first thought to the final signature. As a local real estate expert, I’ve broken down every step with practical advice and tips tailored to our unique market.
✅ 1. Decide to Buy
- Clarify your “why”: Are you relocating, upsizing, downsizing, investing, or seeking a lifestyle upgrade (e.g., waterfront living)?
- Assess financial readiness:
- Review credit score
- Know your estimated PITI. PITI refers to the four components that typically make up your monthly mortgage payment: principal, interest, taxes, and insurance. Here’s a breakdown of what each element represents:
- Principal: This is the portion of your payment that goes towards repaying the actual loan amount you borrowed from the lender to buy the home.
- Interest: This is the cost of borrowing the money, charged by the lender as a percentage of your loan principal.
- Taxes: These are the property taxes levied by your local government, used to fund public services like schools and infrastructure.
- Insurance: This is typically homeowner’s insurance, which protects your home from damage or loss due to events like natural disasters.
- Estimate your total monthly budget (mortgage, taxes, insurance, HOA fees, spending habits, savings)
- Factor in SE Florida-specific costs (flood insurance, hurricane prep)
- Explore timing: Consider seasonal market trends (e.g., winter influx, summer inventory shifts) and your specific timing needs
💰 2. Get Pre-Approved
- Choose a local lender familiar with SE Florida’s market and insurance nuances. I have excellent local lender resources that I can refer to you.
- Gather documents:
- Income verification (W-2s, tax returns)
- Bank statements
- Debt obligations
- Understand loan options:
- Conventional, FHA, VA, jumbo loans
- Waterfront or condo-specific financing considerations
- Understand the difference between Pre-Qualification and Pre-Approval. Pre-qualification is an informal estimate of how much you might be able to borrow. It’s based on basic financial information you provide—like your income, debts, and assets—but it’s not verified. There’s usually no credit check involved, and no documentation required. Think of it as a ballpark figure to help you begin your search. Pre-approval is a more formal process. It involves submitting financial documents—like tax returns, W-2s, and bank statements—and undergoing a credit check. The lender reviews everything and gives you a conditional commitment for a specific loan amount. Sellers often prefer a pre-approval as it shows them you are a serious buyer and have a higher likelihood of securing the loan.
🧭 3. Define Your Criteria
- Location priorities:
- Proximity to beaches, schools, work, or boating access
- Flood zones and elevation
- Home features:
- Bedrooms, layout, outdoor space, pool, dock
- Age of roof, windows, and HVAC (important for insurance)
- Lifestyle fit:
- Gated communities, walkability, pet-friendliness, HOA rules
🕵️♀️ 4. Partner with a Local Expert
- Choose a real estate agent who:
- Specializes in SE Florida neighborhoods and waterfront properties
- Communicates clearly and advocates for your goals
- Discuss strategy:
- Market conditions
- Offer tactics
- Negotiation style
- Understand the benefits of working with a buyer’s agent and your responsibilities regarding buyer’s agent commissions
- A written buyer-broker agreement is now required when working with a real estate agent who is a member of the Multiple Listing Service (MLS). This agreement must be signed before the buyer begins touring properties with the agent and will outline the services your real estate professional will provide you, and what they will be paid for those services.
🔍 5. Start the Search
- Tour homes in person or virtually (drone footage, video walkthroughs)
- Evaluate curb appeal and potential (consider staging possibilities)
- Ask about local quirks:
- Drainage, easements, seawall conditions
- Community restrictions or assessments
- If you are looking for a waterfront home for your boat, I have provided in-depth information here: Guide for Boaters Buying SE Florida Waterfront Homes with Docks
- I will set you up on a personized search that will pull all current and just listed properties on the market that fit your requirements
📑 6. Make an Offer
- Review comps and recent sales – I will provide you with a current Comparative Market Analysis (CMA) for the property
- Craft a strong offer:
- Price, deposit, contingencies
- Closing timeline
🧾 7. Under Contract: Due Diligence
- Schedule inspections:
- General home, roof, 4-point, wind mitigation, termite- For an explanation of a 4-point inspection, view: 4-Point Inspection
- Pool, dock, seawall (if applicable)
- Review disclosures:
- HOA docs, insurance history, flood disclosure, permits
- Negotiate repairs or credits based on findings
🛡️ 8. Secure Insurance
- Get quotes early:
- Homeowners, flood, windstorm
- Understand coverage:
- Replacement cost vs. actual cash value
- Deductibles for hurricanes
- Check insurability:
- Roof age, electrical panel, plumbing type
- Condominium milestone reports, reserves, deductibles, litigation
🧮 9. Finalize Financing
- Lock in your rate
- Submit final documents
- Review Closing Disclosure (3 days before closing)
📦 10. Prepare for Closing
- Schedule final walk-through
- Transfer utilities – I can assist you with this through my Utility Connect program (it’s a free service I offer)
- Confirm title and escrow details
- Bring ID and certified funds to closing
🎉 11. Closing Day!
- Sign documents
- Receive keys
- Celebrate your new home!
🌴 Bonus Tips for SE Florida Buyers
- Check hurricane shutters and/or impact windows (performance, protection, price)
- Explore homestead exemption for property tax savings (if this will be your primary residence)
- Plan for seasonal maintenance (AC servicing, landscaping, pest control)
Ready to Start Your Journey?
Whether you’re buying your first home or your dream waterfront retreat, I’m here to help you move forward with clarity and confidence. Let’s make your move in SE Florida seamless and successful.
CONTACT ANNETTE
Let’s start working together!
Annette Dammeyer, REALTOR®, ABR®, AHWD®
Coldwell Banker Realty
901 E Las Olas Blvd STE 101, Fort Lauderdale, FL 33301
808.747.3686
SL 3535792
SE Florida Market Snapshot – July 2025
Market Trends in SE Florida
The real estate market is adjusting. With the increase in months of supply of inventory, SE Florida is leaning towards a “buyer’s market”. Seller’s are now reassessing their asking price on their properties for sale. It is crucial to examine other similar homes on the market to establish an aggressive original listing price, generating multiple buyer’s attention to your property. This is also an important time to consider a decrease in asking price if the property has been on the market without active offers. I welcome any discussions you may want to have regarding your neighborhood trends. Please reach out to chat, even if you are not ready to buy or sell, but just would like to discuss current real estate updates. Here are the Market Snapshots reflecting the last month (compared to the same month last year) for the following areas:
- Fort Lauderdale
- Wilton Manors
- Hollywood
- Dania Beach
- Hallandale Beach
These take into account all property types (Single Family Homes/Condos/Townhomes).
The real estate landscape in South Florida is evolving quickly—and making smart, timely decisions has never been more important. Whether you’re considering selling, buying, or simply staying informed, I’m here to be your local guide and resource.
Let’s talk about current market trends and how we can align your goals with today’s opportunities. I’d be happy to provide customized market reports for Fort Lauderdale, any SE Florida city, or even your specific neighborhood—all automatically delivered to your inbox.
Call or email me anytime. I’m here to help you move forward with clarity and confidence
CONTACT ANNETTE
Let’s start working together!
Annette Dammeyer, REALTOR®, ABR®, AHWD®
Coldwell Banker Realty
901 E Las Olas Blvd STE 101, Fort Lauderdale, FL 33301
808.747.3686
SL 3535792
August 2025 Essentials: Seller Checklist, Curb Appeal Tips & Buying Smarts
August 2025 Newsletter
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August is nearly here, and with it comes a renewed focus on the essentials. Whether you’re prepping to list your home or simply refreshing your space, this month’s newsletter dives into the real estate fundamentals that matter most in our Southeast Florida market. Inside, you’ll find my Ultimate Home Seller’s Checklist — a must-have guide to navigate your sale with confidence, plus stylish updates that add curb appeal, like outdoor water features and statement garage doors. And for those exploring homeownership, check out the 7 clear and practical steps to help you understand what you can afford and how to get started. Let’s simplify the process, elevate the experience, and keep our community inspired. I’m here for any questions or consultations — just reach out! Warm regards, |
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Real Estate Updates | Area Reports | June 2025
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If you have any questions or simply want to talk through your options, I’m here for you. Let’s have a conversation tailored to your goals, and map out the next steps together. I’m here to help and guide you every step of the way with experience and integrity.CONTACT ANNETTELet’s start working together!
Annette Dammeyer, REALTOR®, ABR®, AHWD® Coldwell Banker Realty 901 E Las Olas Blvd STE 101, Fort Lauderdale, FL 33301 808.747.3686 SL 3535792
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The Ultimate Home Seller Checklist for SE Florida
🌴 The Ultimate Home Seller Checklist for SE Florida: From Decision to Closing
Selling your home in Southeast Florida isn’t just a transaction — it’s a transformation. Whether you’re downsizing, moving closer to family, or simply ready for a change, I know how emotional and overwhelming this process can be. I’ve walked many sellers through this journey, and when you have a clear path forward, you’ll feel more in control, more confident, and ready to celebrate when the keys are handed over.
So, here’s the roadmap — a comprehensive checklist designed especially for SE Florida homeowners. Use this as your guide from that first “maybe it’s time” moment all the way to a victorious closing day.
🧭 Step 1: Deciding to Sell
- Identify your “why” — downsizing, relocation, lifestyle upgrade?
- Research local trends in your neighborhood (Fort Lauderdale, Hollywood, Boca, etc.)
- Estimate equity and potential profits
- Consider seasonal timing (yes, even in sunny Florida — buyer demand fluctuates)
- Talk to a trusted real estate professional (like me!) to run through your options
- Agree on a Listing Price after reviewing a Comparative Market Analysis (CMA)
I will provide you with a CMA that takes into account your neighborhood’s recently sold homes, the current competition and local market conditions.
🛠️ Step 2: Preparing the Property
- Declutter and depersonalize — less is more when buyers tour your home
- Handle repairs and maintenance: roof, HVAC, plumbing
- Boost curb appeal — South Florida buyers notice landscaping!
- Schedule a pre-listing home inspection and seawall/dock inspection if applicable (optional but smart)
- Consider professional staging (especially helpful in open layouts)
- If interested, take advantage of the RealVitalize® program that provides home sellers with home improvement resources during the listing period, with no upfront costs or interest fees.
🎨 Step 3: Marketing & Listing
- Take professional photos to showcase your property effectively online, attracting more buyers*
- Complete the Seller’s Property Disclosure Statement
- Complete the Flood Disclosure
- If applicable, order all HOA documents for disclosure
- Create emotional, lifestyle-driven marketing materials*
- Launch the listing on the MLS and other platforms*
- Feature your home in email campaigns, social posts, and open houses*
- Target buyers relocating to SE Florida — they’re often driven by lifestyle and climate*
*I will take the lead on these items. Please click link to view my Marketing Strategy:
💼 Step 4: Navigating Offers
- Review offers carefully: price, contingencies, closing timelines
- Strategically counter or accept offers based on your goals
- Handle negotiations with clarity and confidence
- Don’t forget: emotional intelligence matters here as much as market savvy
I will promptly present all offers to you so we can discuss them and prepare an appropriate response for the buyer.
📜 Step 5: Under Contract
- Handle any lender-required repairs
- Cooperate with inspections and appraisals and keep communication open
- Complete all remaining required disclosures to provide to the buyer
- Coordinate with the title company and attorney (if needed)
- Keep the property “show-ready” until all contingencies are cleared
I will keep you apprised of all appointments including inspections, appraisals and document signing. I will also make sure all required disclosures are completed and delivered by the deadlines.
🎉 Step 6: Closing Day
- Do your final walk-through the day before (yes, even sellers should check everything)
- Sign final documents and celebrate a smooth transaction
- Transfer keys, garage openers, and final information
- Celebrate!
I hope this comprehensive guide gives you clarity and confidence as you consider selling your home in beautiful Southeast Florida. Every seller’s journey is unique — and the right guidance makes all the difference.
If you have any questions, are curious about your home’s current value, or simply want to talk through your options, I’m here for you. Let’s have a conversation tailored to your goals, and map out the next steps together.
Feel free to reach out anytime to schedule a consultation — whether you’re ready to list or just exploring. Your next chapter starts with a confident first step.
CONTACT ANNETTE
Let’s start working together!
Annette Dammeyer, REALTOR®, ABR®, AHWD®
Coldwell Banker Realty
901 E Las Olas Blvd STE 101, Fort Lauderdale, FL 33301
808.747.3686
SL 3535792
Home Selling Marketing Strategy
A successful sale requires a successful plan.
Proven. Powerful. Personal.
The market in SE Florida is shifting. Inventory is rising, days on market are stretching and properties now require strategic, aggressive marketing to stand out. If you are considering selling, representation by a knowledgeable, proactive professional is essential. Part of my marketing plan for selling homes is covered in the video below, but each home is unique and we can discuss what marketing resources would achieve the maximum exposure and create buyer excitement for your property.
📊 Big Picture Trends (Miami‑Dade, Broward & Palm Beach)
✅ Inventory Is Up
- Inventory has increased across South Florida, especially in Broward County, giving buyers more choices and negotiating power.
- Fort Lauderdale has seen 6–10 months of supply, depending on the price point—well above the seller‑market levels of 2021–2022.
✅ Prices Have Leveled, Not Collapsed
- After rapid pandemic‑era growth, prices have softened or flattened, particularly for condos and older properties.
- Well‑located, updated single‑family homes remain in strong demand, especially east of I‑95 and near downtown or waterfront areas.
✅ Buyers Are Cautious—but Active
- Sales volume is lower than peak years, but motivated buyers are still closing when homes are priced correctly.
- Mortgage rates have eased from their highs, hovering around the low‑to‑mid 6% range, which has brought some buyers off the sidelines.
🏡 Fort Lauderdale & Broward County Specifically
⏳ Homes Take Longer to Sell
- Average days on market in Fort Lauderdale are now 60–110 days, compared to under 30 days during the frenzy years.
💰 Pricing Matters More Than Ever
- Most homes are selling at 95% or less of list price unless perfectly positioned.
- Overpricing is the #1 reason listings expire in today’s market.
🏗️ Condos vs. Single‑Family Homes
- Condo market: Softer due to insurance costs, HOA fees, and post‑Surfside regulations, though activity has shown signs of stabilizing.
- Single‑family homes: Still relatively strong, especially move‑in‑ready homes with impact windows, newer roofs, and no HOA.
🔮 Outlook for 2026
- Experts expect modest price movement—neither a crash nor a boom.
- Demand remains underpinned by:
- Continued out‑of‑state migration
- No state income tax
- Lifestyle appeal (beaches, airports, remote work flexibility)
The market rewards prepared sellers and informed buyers.
If you are ready to market and sell your property, let’s make an appointment to discuss how to get it listed and sold. I am committed to my clients. Contact me if you are looking for a dedicated agent who will:
CONTACT ANNETTE
Let’s start working together!
Annette Dammeyer, REALTOR®, ABR®, AHWD®
Coldwell Banker Realty
901 E Las Olas Blvd STE 101, Fort Lauderdale, FL 33301
808.747.3686
SL 3535792
Fort Lauderdale June 2025 Area Report
Fort Lauderdale June 2025 real estate statistics have been published.
Fort Lauderdale Area Reports
Single Family Homes
Condominium & Townhouses
Fort Lauderdale Real Estate Market Overview
The following is a real estate market report for Fort Lauderdale, detailing sales activity, trends, and statistics for single-family homes and condos/townhouses as of June 2025.
Summary:
Single Family Homes Sales Overview
The single-family homes market has experienced a decline in sales and prices compared to last year. Key metrics indicate a significant drop in both the number of sales and average prices, reflecting a challenging market environment.
- Number of Sales: 146 (down 13.53% from last year)
- New Listings: 293 (down 14.83% month-to-date)
- Median Sales Price: $575,000 (down 13.53% year-over-year)
- Average Sales Price: $967,893 (down 25.3% year-over-year)
- Median Days on Market: 53 (up 39.47% year-over-year)
- List/Sold Price Ratio: 95.2% (down 0.67% from last year)
Condo/Townhouse Market Overview
The condo/townhouse market has also seen a decrease in sales and prices, with notable declines in both new listings and sold properties. This trend suggests a tightening market for these types of properties.
- Number of Sales: 167 (down 10.31% from last year)
- New Listings: 310 (down 24.21% month-to-date)
- Median Sales Price: $435,000 (down 10.31% year-over-year)
- Average Sales Price: $641,687 (down 7.15% year-over-year)
- Median Days on Market: 70 (up 27.27% year-over-year)
- List/Sold Price Ratio: 93.2% (down 2.02% from last year)
Year-to-Date Market Trends
Year-to-date statistics reveal a consistent decline in both single-family homes and condo/townhouse sales, indicating a broader trend in the real estate market.
- Year-to-Date Sold Listings for Single Family Homes: 818 (down 12.98% from last year)
- Year-to-Date Sold Listings for Condo/Townhouse: 890 (down 7% from last year)
- Year-to-Date Median List Price for Single Family Homes: $672,500 (up 7.64% from last year)
- Year-to-Date Median List Price for Condo/Townhouse: $449,950 (down 9.83% from last year)
Market Dynamics and Inventory Insights
The market dynamics show an increase in the average days on market, suggesting a shift towards a buyer’s market. The absorption rate indicates a need for sellers to be competitive.
- Average Days on Market for Single Family Homes: 70 (no change year-over-year)
- Average Days on Market for Condo/Townhouse: 93 (up 24% year-over-year)
- Months Supply of Inventory: Indicates a need for a competitive pricing strategy for sellers.
- Higher absorption rates suggest a more aggressive approach is necessary for sellers to attract buyers.
Conclusion
The report highlights significant trends in the residential real estate market, with declines in sales and prices for both single-family homes and condos/townhouses. For further insights and personalized information, contact me, I’m always available to talk.
We are entering a new real estate market in SE Florida. This is the time to work with an experienced and knowledgeable real estate professional. Please contact me if you would like to be sent updated market reports for YOUR specific neighborhood, Fort Lauderdale, or another SE Florida city. We can discuss the market, current trends and how we can work together to accomplish your real estate goals. I am here to help.
CONTACT ANNETTE
Let’s start working together!
Annette Dammeyer, REALTOR®, ABR®, AHWD®
Coldwell Banker Realty
901 E Las Olas Blvd STE 101, Fort Lauderdale, FL 33301
808.747.3686
SL 3535792
