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17445 US HWY 192, Suite 15, Clermont, FL 34714Homes of America Realty Group, LLC.
"A Family Business Selling Homes in Florida Since 1998"

Office: (001) 863.420.7775

Licensed Real Estate Brokerage


How do I know my purchase is safe?

Your Homes of America Licensed Real Estate Broker is there for your representation. He/she will guide you through the process to a smooth and safe transaction.

How much are the taxes?

Property taxes are sometimes referred to as real estate taxes. They are one and the same thing and are generally 1 ¼% – 1½ % of the assessed value of the property.

Are there any hidden costs?

Your Homes of America Broker will provide you with a list of expected costs to avoid any ‘nasty surprises’ on closing day.

What is a short sale?

When an owner defaults on his mortgage, he can ask his bank / lender if they will accept a lower capital payback than he borrowed. If the bank agrees to forgive the shortfall payoff this is known as a short sale. The property will be marketed at a lower price than the owner paid for it.

How do I know that I am dealing with a licensed realtor?

Ask to see their license. Check its expiration date. Do not assume that every sales person who talks to you about real estate is licensed. It is an offense in Florida to do anything for anyone in real estate if they are not licensed. The DBPR will be pleased to hear about anyone who is misleading the public.

If you are dealing with an agent in the UK to buy your property, be sure to check that your purchase will pass through a Florida Licensed Brokers office and that change of ownership will be recorded by a title company in America.

How do I get a mortgage in Florida?

You can approach any bank in Florida. Alternatively, your Homes of America realtor will assist by offering you a fully Licensed Mortgage Broker to work with.

What are Homeowners’ Association fees?

These are fees paid to the community to take care of roads, security, street lights, etc. They sometimes include lawn care and cable. They will vary greatly from community to community.

How much are capital gains?

If you sell your home within 12 months you would be looking at 30% capital gains tax. After 12 months it would be reduced to 15% before any liabilities are taken in to consideration.

How do I know that I will own the land my home is built on?

Property is usually freehold in Florida but always check with your broker. Your Homes of America broker will work with his title company. The title company will carry out a search on your property before closing and ensure that you get clear title to that land. You will receive title insurance. However in the case of a condominium, you would be likely to own the property but only have an undivided interest in the land it is built on.

If I see two different properties, do I have to work with both real estate companies?

No, a realtor will have a list of all the properties for sale in the area via the MLS (multi-listing system) and will co-broke with the other company. He/she will help you with any properties irrelevant of who has it listed. You just need to choose a realtor that you are comfortable with and stay with him/her.

Do I need a bank account in Florida?

Yes, you will need a bank account in Florida. Homes of America will help you open an account on your next visit or alternatively will help you do that free of charge from overseas.

Who will take care of my home when I am not there?

Homes of America Property Management LLC will take care of your property just as you would. To ensure that personal attention will be designated to your property, our managers are responsible for taking care of only 30 homes or less.

How will I obtain bookings for my home?

Homes of America will help you. You will automatically receive a free place on their rental site This is a FREE service to you. Some owners prefer to put some/all of their own bookings in. You may receive help on how to market your home if you wish.

How many weeks can I expect?

That will depend on how many weeks you want. Some owners will just want enough to cover outgoings and others will want more depending on whether it is sheer investment or whether you are intending this to be family vacation home.

How can I reach my goal of a 10% – 12% yield?

Your Homes of America Broker can suggest properties to buy that will achieve these yields.

Do I have to pay inheritance tax?

This is pertinent to the buyer. Please check with your Homes of America broker when purchasing.

How do I know that my realtor is working for me?

A Realtor is duty bound by Florida real estate law to work fairly and honestly for his buyer. However if he is also the ‘selling agent’ for a property that you are purchasing, by Florida real estate law he should disclose that fact because he is then also duty bound to work fairly and honestly for them too.

A salesperson / realtor working for a builder on a new community has a duty to his seller (the builder) and not to you. You will need a realtor to represent you if buying off plan.

Will I need insurance on my home?

Yes, you will need building and contents insurance much the same as you have on your current residential home. It is usual that liability insurance will naturally be included. All three are usually wrapped up in one package and called ‘hazard’ insurance. Ask your Homes of America Realtor to assist you on this matter.

How long can I stay in Florida?

If you do not have a permanent residents’ visa, there is a visa waiver program allowing a 90 day stay. Should you wish to stay for longer you can apply for a B2 visa from the American Embassy allowing you to stay in Florida for 180 days (6 months). This allows you to spend your vacation here in Florida but it does not allow you to work.

When can I use my own villa?

It is your home. You can use it whenever you wish. Homes of America will work around you when placing bookings.

How can I be sure that I will not inherit any debts from the previous owner?

The title company will check liens, debts and any encumbrances on the property before closing day.

Do I need a will?

It is prudent to consider a simple US will to run concurrently with your UK will. Homes of America will help you with this.

I am thinking of immigrating to Florida, what should I do first?

Homes of America, alongside their immigration attorney, will help you clarify which visa route you should take. Beware of immigration ‘consultants’ or ‘specialists.’ If you are advised to take the E2 visa route your Homes of America Broker will source a qualified business to support and will guide you safely through the process.

What happens if I need to sell my home?

Your Homes of America Realtor will list it for you.

What is a CMA?

If you wish to sell your home, a ‘comparative market analysis’ is where your Homes of America Realtor will draw up a document to give you an indication of the current value of your home.

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