Buying a House when Moving to Florida

Moving to Florida

Buying a home and moving from your old place can be exciting, but it’s also very stressful. You will suddenly be responsible for a very large mortgage payment every month. At the same time, though, you will have a place of your own. If you are planning on a move to Florida, then there are several things you need to do before you sign any paperwork.

Get Your Finances in Order

You need to have your finances all sorted out well before you start looking for a new house. If you have been previously renting, then the cost could be dramatically different. Additionally, if you are moving from out of state, you have to factor in a change for the cost of living. Take the time to consider every expense that will be involved in your new home purchase to determine how much you can afford to spend. Keep in mind that there is much more to it than just the mortgage payment itself. The new expenses include:

The mortgage (there are calculators online that will help you determine the payment you can afford).
Homeowners’ insurance
Home upkeep and maintenance
PMI (private mortgage insurance may be required depending on the lender and the loan).
Utilities (they will be more expensive than in an apartment)
Homeowners’ association fees

Remember that when you close on the loan, you will be committed to paying for that house. Before you even begin packing boxes and preparing for a move, you need to be absolutely sure you are financially prepared to buy a house.

Finding the Right Neighborhood

Whether you have children or not, you will want to choose the right neighborhood to move into. By narrowing down your options, you will find it easier to shop for the different houses for sale. You can do so much research online, but if you have a particular area in mind, then you can write to the chamber of commerce and ask for welcome packets. Keep in mind that even if you need to do business in the city, you could choose to live in smaller outlying areas. For example, if you wish to move to Gainesville, you could live in the metro area or choose from many of the small towns nearby depending on the convenience and way of life you prefer.

Find a Realtor

If you are moving to Florida from out of state, then you won’t be able to spend time touring houses and hunting down options you like. You need someone working for you who is familiar with the area. A realtor will be able to find properties that fit your parameters so that you don’t have to sift through the hundreds that are available.

Moving to Florida can be a fun; exciting experience and you will definitely want to find the right property to call your new home. Make sure you spend some time determining what type of house you could afford to buy and then research your different options to choose a property you will love.

Before Moving to Gainesville

Moving to Gainesville

When you decide to move to Gainesville, FL, make sure your apartment or house is up and running as soon as you arrive. As soon as you know where you will be moving and have the new address, it is time to start looking into hooking up your utilities. The sooner you make arrangements, the sooner they can hook up your service. If you do not get in touch with the utility companies until a week before you move, you could face delays. Call the companies, or arrange services online, at least a month before your Gainesville relocation.

Setting Up Service with Gainesville Regional Utilities

Gainesville Regional Utilities, known as GRU to most of the area locals, offers many different services you will need for your home or apartment. They provide electric, natural gas, water, wastewater, garbage, and Internet services to homes and businesses. When you call to start any services with GRU, make sure you have the address of the new location, your SSN, and driver’s license number on hand. They need to know the date you want to start service too. Start your services at least a day or two before moving into the new property. Instead of calling, consider setting up the service over the web. It’s faster and easier.

In some cases, you may need to provide a security deposit to start service. This may happen if you’re new to the area and if you do not have any history with GRU. The amount of the deposit varies. Visit their website GRU.com to set up the service. Use the same site to pay the bill, check usage, and more.

Getting Cable or Satellite

Cox Cable provides service to the area and is one of the primary choices for those looking for cable, phone, and web service. Satellite companies such as Dish Network are available too. The best way to get service with these companies when moving to the area is with bundles. Bundled service offers a nice discount, and they have many different options that change with some frequency. Since they offer Internet service, they rent and sell modems if you need them. Visit their site to see what bundles are available in Gainesville.

Before choosing cable, make sure the home or apartment has wiring for cable. If choosing a satellite service, make sure you can have a satellite dish in your home. Some apartments and condo units prohibit them.

The Lay of the Land

Check out some online maps of your new neighborhood to get a better feel for it. Using Google Street View is one good option to explore your neighborhood virtually. Find places to shop and dine in the area before you even move there. Having some knowledge of the area’s layout will make getting around quite a bit easier. If you will drive a rental truck to the new place, knowing the look of the streets and the easiest way to get to your new place will be quite a relief.

Be Safe. Consider Your New Home’s Locks

When you move into a new home, you have so much to think about, like where the living room furniture will be placed, who will get what bedroom, and how you will decorate your brand new spaces.

However, there is something important you most likely haven’t thought about: moving means making your new home in a residence that once belonged to someone else.

You have no real idea of who has keys to it and how many have been handed out, lost, or misplaced. While this may not have even occurred to you as a safety risk, it could be. You have to consider the locks on your home and think about either getting them rekeyed or replaced.

The Evaluation

After the movers have left, take the time to go through the house and take inventory of the different locks used in the home. Keep places like these in mind:

The front door
The back door
Doors leading into the garage
Decorative doors (French or sliding)
Doors on utility buildings or sheds

This evaluation period is a good chance to determine whether you feel comfortable with the locks already used in the home or you want to make some replacements. If you don’t feel like you need to actually change out anything, then you can make a quick call to a locksmith and ask them to rekey the locks already in place. This service will cost different amounts based on where you live and how many locks you need altered.

Changing Locks

If you would like to change locks altogether or you want different types of safety systems, then you have some research to do. Before you even start unpacking after you have finished moving, try to determine what types of locks you would like to add to your new home. Some of your options include the following:

Spring Latch. Also called slip bolt locks, these work with the doorknob and lock it into place. They are considered to be the most minimal of security but are usually included on front and back doors.
Deadbolt. This lock bolts the door to the frame and has to be manually opened either by a key on the outside or a knob on the inside. They can be placed horizontally along the doorframe or vertically at the top.
Double Cylinder Deadbolt. This type of deadbolt works in the same way as the one above, but requires a key to unlock from the inside or out. This is ideal if your door has glass panes since it will deter thieves from simply breaking the glass and reaching inside to turn the bolt.

As far as outdoor buildings, you should consider replacing locks only if you have to store expensive equipment in them. Most people don’t even think of locking their tool shed or utility building, and if you don’t plan to, then there is certainly no reason to change the locks.

When you are moving into a new home, there is certainly a lot to think about, including safety. Think about any changes you want to make to the locks throughout your home for security purposes.

An Easy Moving Timeline

If you know you will be moving in Gainesville months in advance, you may be tempted to put things off. After all, you have plenty of time, right?

You may be surprised at how quickly things can sneak up on you, and if they do, then you could become overwhelmed and stressed out very quickly. Instead of waiting until the last minute, follow this quick and simple timeline. It is guaranteed to make your life much easier. Remember that it is never too early to start planning for the move.

Eight to Six Weeks in Advance

If you can, then get started at least two months in advance of when you will be moving. This will give you enough time to do plenty of research and then make the right decisions. Start by learning about where you will be relocating. If you are relocating a long distance away, you will need to learn more about the community. Many towns and cities offer a relocation package that will tell you about utilities, schools, and much more. Other things to do during this time period include:

Put together a file on your computer to keep track of your moving information and receipts.
Start determining how much money it is going to cost to relocate and then start saving.
Begin gathering tips and information for choosing movers, packing your belongings, and finding a new place to live.
Make sure your children’s school records will be transferred.
Contact any clubs or groups you are members of and find out if you will have to pay to end or transfer your memberships.
Start planning how you will use each room in your new home. Get a floor plan if you can.
Start making a list of everyone that needs to be notified that you are moving.
Inventory each room and determine anything you don’t want to take with you.

Five to Four Weeks in Advance

About a month before your move, you can really start making progress so that you don’t find yourself doing everything a week before the movers will arrive.

Find boxes, whether you purchase them or ask local businesses for them.
Pack up anything you don’t need to use between now and your move. Donate or sell anything you don’t want to keep.
Determine if you need a storage unit in your new location and start looking for one.
Contact the post office to file a change or address. You can do this online or in person.
Get your pets’ veterinary records.
Arrange to have the utilities disconnected at your old home and connected at the new one on moving day.
Cancel your local newspaper subscription.

Three Weeks to A Few Days in Advance

In the last three weeks, you will have a lot to do before the movers arrive.

Get your car serviced.
Dispose of poisons or flammable materials.
Make arrangements to close your bank account or transfer funds.
Notify creditors and subscriptions of your move.
Finish packing.
Prepare a box or suitcase of essentials you will need before unpacking.
Empty your refrigerator.
Give friends and family your new address.

If you stay on track for your move, then you will find everything much less stressful. Remember that the more you can get done in advance of moving day, the better.