Buying a Home in Florida with Andy Zemon and Novus Home Mortgage

If you're dreaming of owning a home in Florida, you're in the right place! Florida offers sunshine, beaches, and a lifestyle many people are eager to experience. But before you can settle into your new home, you’ll need a solid mortgage plan in place.

That’s where Andy Zemon and his team at Novus Home Mortgage come in. They specialize in helping buyers like you secure the best financing options with a simple, stress-free process. Whether you're a first-time homebuyer, relocating, or purchasing a second home, their expert team ensures you get the right loan for your needs.

And the best part? When you reach out, mention my name (Abbie Williams) to ensure you get top-priority service!

Why Choose Andy Zemon & Novus Home Mortgage?

• Quick Pre-Approvals – Strengthen your home-buying position.
• Diverse Loan Options – Conventional, FHA, VA, USDA, and Jumbo loans.
• Expert Guidance – Get personalized support from application to closing.
• Seamless Closing Process – Work closely with realtors and title companies.

Step 1: Get Pre-Approved

Before you start shopping for homes, the first step is getting pre-approved for a mortgage. This gives you a clear budget and shows sellers you're serious.

How It Works with Andy Zemon’s Team:

• Fill out a quick online application.
• Submit basic financial details (income, employment, credit score, etc.).
• Receive a pre-approval letter to start house hunting with confidence.

Step 2: Find Your Florida Dream Home

Once pre-approved, it’s time to find the perfect property! I can help you explore Florida’s best communities, compare properties, and negotiate the best deal.

🔎 Things to consider:

• 🏡 Location: Coastal, suburban, or city living?
• 🏡 Flood Zones: Some areas require flood insurance.
• 🏡 HOA Fees: Many communities have association fees.
• 🏡 Property Taxes: Vary by county and can impact monthly payments.

Step 3: Apply for a Mortgage

After your offer is accepted, Andy’s team will guide you through the official loan application process, helping you choose the best loan type for your situation.

📌 Documents You’ll Likely Need:

• ✔️ Pay stubs and W-2s
• ✔️ Tax returns (if self-employed)
• ✔️ Bank statements (to verify funds)
• ✔️ Credit report authorization

Step 4: Home Appraisal & Loan Underwriting

Next, the lender orders a home appraisal to confirm the property’s value. Meanwhile, the underwriting team reviews all financial documents to finalize loan approval.

Andy’s team keeps you informed throughout the process, ensuring everything stays on track.

Step 5: Closing & Getting Your Keys!

Once the loan is cleared to close, you're almost there! Before finalizing, you’ll do a final walkthrough of the home to make sure everything looks good.

At closing, you will:

• 🖊️ Sign all necessary documents
• 💰 Pay any remaining closing costs
• 🏡 Receive the keys to your new home!

Andy and his team ensure a smooth closing experience, guiding you through every detail.

And if you need help finding the perfect home, I’d love to assist you every step of the way. Let’s make your Florida home dream a reality! 🌴☀️