PALM BEACH COUNTY & BROWARD COUNTY
The homework that happens before you make an offer.
Everything a buyer needs to move with confidence — how the search works, what financing actually requires, and the questions worth asking before you tour a single property.
Six stages, one point of contact throughout.
No hand-offs between a buyer’s agent, a closing coordinator, and a transaction manager. Paul runs each stage directly.
Get pre-approved
A lender conversation before the search starts, so your budget and your offers are grounded in something real.
Define the search
Neighborhoods, must-haves, and deal-breakers — narrowed down in a private consultation, not a generic portal filter.
Tour & evaluate
Private and open-house showings, with candid notes on condition, resale, and anything a listing photo won’t show you.
Make the offer
Pricing built on current comparables — not a number pulled from what the seller is asking.
Inspection & due diligence
Coordinating inspectors, reviewing reports line by line, and renegotiating terms where the findings call for it.
Closing & beyond
Title, insurance, and lender coordination through the closing table — with support after keys change hands.
What lenders actually ask for in this market.
01
Down payment guidelines
Conventional loans in Palm Beach and Broward County typically run 10–20% down; jumbo financing above roughly $806,500 often requires more. Cash offers remain common in this price range.
02
Closing costs to plan for
Budget roughly 2–5% of the purchase price for title insurance, lender fees, appraisal, and recording costs — separate from your down payment.
03
Working with a local lender
A lender familiar with Florida flood zones and condo/co-op approvals can move faster than a national call-center lender when your closing date is on the line.
04
HOA & condo review
Association financials, reserve studies, and pending litigation are all reviewed before you’re locked into a contract — not after.
Take the details with you.
Printable references for the parts of the process worth double-checking.
A full walkthrough of the six-stage process, start to close.
Side-by-side notes on schools, flood zones, and commute times.
Every document a lender will ask for, gathered in one place.
Estimate your true cash-to-close before you write an offer.
Winning the deal isn't about paying the most.
As a buyer, your offer is more than a number. Sellers weigh your financing strength, contingencies, closing timeline, and how likely you are to actually reach the closing table — and so do we, when we build your strategy.
Before you write an offer, you’ll know exactly where you have leverage, where you don’t, and what terms are worth conceding to win the property you actually want.
Your offer should work as hard as your budget does.
We build your offer around what will actually move the seller — not just the highest number you’re willing to pay.
Let's find your starting point.
Every conversation starts privately — no pressure, no scripts. Call directly or request a consultation and Paul Christle will respond personally.