Curated by
Ema Perez Interiano
Ema Perez Interiano is a real estate professional with ERA ONETEAM, serving St. Augustine and St. Johns County. She brings local market knowledge to help buyers and sellers navigate every step of the process across Northeast Florida.
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Ema Perez Interiano is a real estate professional with ERA ONETEAM, serving St. Augustine and St. Johns County. She brings local market knowledge to help buyers and sellers navigate every step of the process across Northeast Florida.
More in First-Time Homebuyer Guide
See all 8 →Understanding Closing Costs in Florida
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Conventional vs. FHA Loans for St. Augustine Buyers
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How Much House Can You Afford in St. Augustine?
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Getting Pre-Approved
Pre-approval is the first real step for any first-time buyer in St. Augustine, and it tells sellers you're serious before you ever tour a home in the historic district or in St. Johns County. Lenders typically look at income, credit score, and debt-to-income ratio before issuing a pre-approval letter. Getting this done early also tells you a realistic price range before you start touring homes.