Recent Articles
Shorter Inspections Without Waiving Protection
In 2026, a shorter inspection period can make your offer feel "cleaner" to a seller, especially in Broward, Miami-Dade, and Palm Beach. But "short" should never mean "blind" and sellers can tell the difference. The goal is a faster, better-managed inspection that reduces seller uncertainty while protecting you from expensive surprises.
Clean Offers Explained: What Sellers Actually Want in 2026
In 2026, a “clean offer” does not mean giving up all protections. It means reducing uncertainty for the seller so the deal feels easy to accept and likely to close. In Broward, Miami-Dade, and Palm Beach, sellers are not just comparing price. They are comparing risk.
Pre-Qualified vs Pre-Approved: Why It Matters in Competitive Markets
In competitive South Florida markets, the words on your letter can decide whether a seller takes your offer seriously. The difference between pre-qualified and pre-approved is not just semantics. It is the difference between "this might work" and "this is likely to close."
How to Strengthen a Financed Offer to Compete With Cash
Sellers choose cash because they've seen financed deals fall apart late. A cash offer feels "strong" because it feels certain. To compete as a financed buyer in South Florida, you do not need to be reckless. You need to be prepared, documented, and easy to close. In Broward, Miami-Dade, and Palm Beach, sellers often choose the offer that reduces delays and renegotiations, even if it is not the highest number.
Multiple Offers in South Florida: Why the Highest Price Doesn't Always Win
In South Florida, the "winning" offer is often the one that feels the most certain, not just the one with the biggest number. Sellers and listing agents are managing risk: delays, re-trades, appraisal issues, and financing fallout because they need the deal to close on time without surprises. A slightly lower price can bea
How to Protect Your Deal When a Home Needs Insurance Repairs
When Florida insurance underwriting requires repairs, delayed closing is the real risk, but it's fixable with speed and structure. If insurance flags roof, electrical, plumbing, HVAC, or water intrusion issues, your goal is to keep the home "bindable" fast without turning your contract into a stressful renegotiation. In Broward, Miami-Dade, and Palm Beach, this happens often, and buyers who plan ahead close on time.
What Happens If Insurance Can't Be Bound Before Closing
In Florida, if homeowners insurance cannot be bound (issued and active with the correct binder/declarations), the lender typically cannot close the loan. Even if the borrower is fully approved, insurance is a funding requirement. When binding fails, closings most often get delayed, sometimes get renegotiated, and in worst-case scenarios, the deal can fall apart.
How Insurance Requirements Can Change After Inspection
In Florida, insurance requirements can change after inspection because underwriting is not complete until the carrier reviews the property's actual condition through inspection reports. In 2026, many buyers in Broward, Miami-Dade, and Palm Beach discover new requirements after inspection underwriting review such as roof documentation, repairs, higher deductibles, or even carrier declines. This can delay closing even when the mortgage is otherwise approved. Buyers who send inspection reports immediately and plan for underwriting conditions protect their closing timeline.
Credits vs. Repairs: What Works Better in Florida Negotiations
In Florida negotiations, credits often work better for speed and control, while repairs work better when the issue is safety-related, insurability-related, or lender-required. In 2026, the "best" choice usually comes down to one question: Does this issue need to be fixed to close on time and get insurance bound? If yes, repairs (or proof of repairs) often win. If not, a credit is usually cleaner. This distinction matters more in Florida than most states due to insurance binding rules, lender conditions, and tight post-contract timelines.