How long does it take to buy a home in Citrus County

How long does it take to buy a home in Citrus County

Buying a home is exciting, and many buyers want to know how long it takes to buy a home in Citrus County. Because of that, it helps to understand the full buying timeline before you begin. Most buyers move from pre approval to closing in about 30 to 45 days. In addition, the timing can shift based on inspections, lender steps, and loan type. As a result, knowing the flow of each stage helps you plan with confidence.

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How long does it take to buy a home in Citrus County explained

Understanding this timeline helps buyers plan ahead with confidence. Each stage builds on the last, and knowing what to expect makes the entire process easier to navigate. In fact, learning the steps early often helps your transaction move faster.

How long it takes to buy a home in Citrus County

Here is a simple timeline that explains each phase clearly.

1. Get pre approved 1 to 3 days

Pre approval is the first major step. A local lender reviews your income, credit, and financial details to confirm your buying power. After that, quick responses to lender questions help this stage move quickly. In fact, many buyers finish this part in just a day or two.

2. Home shopping 1 week to 4 weeks

Once you are pre approved, you can begin touring homes across Citrus County including Crystal River, Inverness, Homosassa, Dunnellon, and Citrus Springs. Some buyers find the right home right away. On the other hand, others may take a few weeks depending on inventory and preferences. In addition, touring different neighborhoods helps you narrow down what matters most.

3. Offer and contract 1 to 3 days

After you find a home you love, I prepare a strong offer and negotiate terms. When both parties agree, the home goes under contract. From there, the inspection phase begins. As a result, this is where the pace shifts from fast to steady.

4. Inspections and appraisal 7 to 21 days

This phase often takes the longest. A general home inspection usually comes first, followed by pest or specialty inspections when applicable. For example, some homes need four point or wind mitigation inspections. Meanwhile, your lender orders the appraisal to confirm the home’s value. Because of scheduling and availability, this part typically lasts one to three weeks.

5. Underwriting and final loan approval 1 to 2 weeks

During underwriting, the lender verifies your documents and prepares your final approval. In addition, they review the appraisal and confirm all conditions are met. Consequently, responding quickly to your lender keeps this stage running smoothly. Finally, once everything is cleared, you move toward closing day.

6. Closing day

When you receive the clear to close, the title company schedules your signing appointment. Afterward, you sign your final documents. Therefore, once the paperwork is complete, the home officially becomes yours and you receive the keys.

Total time to buy a home in Citrus County

In summary, most buyers complete the process in 30 to 45 days. Cash buyers often finish in 7 to 10 days because fewer steps are required.

Get Your Free Citrus County Buyer’s Guide

Buying a home is easier with a clear checklist that explains each step. My Buyer’s Guide covers loan types, inspections, timelines, and helpful tips for Citrus County buyers.

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