WAITING PERIOD CHART

If you have experienced a recent derogatory credit event, such as a bankruptcy, foreclosure, short sale or deed-in-lieu of foreclosure, use this chart to determine the date you will be eligible for a traditional home loan.

FLORIDA HOMESTEAD EXEMPTION FILING

SAVE MONEY ON YOUR PROPERTY TAXES!  If you bought a home in 2024, the deadline to file for your Florida Homestead Exemption is March 1, 2025. NOTE: It is NOT automatic. To receive the exemption, you must file the proper paperwork to your local property tax authority.  Use the links to below to find your specific county and follow their instructions.

HILLSBOROUGH COUNTY

PASCO COUNTY

PINELLAS COUNTY

FEMA FLOOD MAP

Curious if a particular home is located in a designated flood zone? Use the FEMA database to see if flood insurance coverage is mandatory.

LOCAL PROPERTY APPRECIATION DATA

Access the Federal Housing Finance Agency (FHFA) database to see current local home value appreciation trends/ Housing Price Index for a given area.

DOCUMENT CHECKLISTS

Different loan programs may require different documents to qualify. Choose the best checklist to fit your needs.

If you're not sure, select "Conventional".