https://firstcoastliving.netlify.app/buy

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6  <title>Buying a Home in Florida | Buyer Resource Center | First Coast Living</title>
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34    "description": "First Coast Living is a real estate and coastal lifestyle resource serving Northeast Florida from Jacksonville Beaches to New Smyrna Beach.",
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37      "name": "Northeast Florida / The First Coast"
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44
45  <header class="site-header">
46    <div class="header-inner">
47      <a class='logo' href='/'>First Coast Living<span>Jacksonville to Daytona Beach</span></a>
48      <button class="nav-toggle" aria-label="Menu">☰</button>
49      <nav class="main-nav">
50        <a href='/#communities'>Explore</a>
51        <a class='active' href='/buy'>Buy</a>
52        <a href='/relocate'>Relocate</a>
53        <a href='/lifestyle'>Discover</a>
54        <a href='/financial-planner'>Calculator</a>
55        <a href='/contact'>Contact</a>
56      </nav>
57      <div class="header-ctas">
58        <a class='btn btn-primary' href='/buy'>Find Homes</a>
59        <a class="btn btn-gold" href="https://www.builtresponsive.com" target="_blank" rel="noopener noreferrer">Get a Site Like This</a>
60      </div>
61    </div>
62  </header>
63
64  <section class="hero page-hero">
65    <div class="hero-inner">
66      <span class="hero-badge">Buyer Resource Center</span>
67      <h1>Buying a Home in Florida</h1>
68      <p class="sub">Everything you need to buy with confidence on the First Coast — from pre-approval to keys in hand.</p>
69      <form class="search-bar">
70        <input type="text" placeholder="Search homes by city, neighborhood, or address…">
71        <button type="submit">Search</button>
72      </form>
73    </div>
74  </section>
75
76  <!-- Content hub -->
77  <section class="section">
78    <div class="container">
79      <div class="section-head">
80        <span class="eyebrow">The Knowledge Hub</span>
81        <h2>Master Every Step</h2>
82      </div>
83      <div class="card-grid">
84        <article class="card">
85          <div class="card-body">
86            <span class="tag">Step 1</span>
87            <h3>The Buying Process</h3>
88            <p>The full Florida timeline — pre-approval, showings, offers, contracts, and closing — explained in plain English.</p>
89            <a class="card-link" href="buyer-guides/buying-process/">Read the Guide →</a>
90          </div>
91        </article>
92        <article class="card">
93          <div class="card-body">
94            <span class="tag">Step 2</span>
95            <h3>Financing</h3>
96            <p>Conventional, FHA, VA, and jumbo loans — plus local lenders who actually close on time.</p>
97            <a class="card-link" href="buyer-guides/financing/">Read the Guide →</a>
98          </div>
99        </article>
100        <article class="card">
101          <div class="card-body">
102            <span class="tag">Step 3</span>
103            <h3>Inspections</h3>
104            <p>What matters in Florida homes: roofs, HVAC, WDO, four-point inspections, and wind mitigation reports.</p>
105            <a class="card-link" href="buyer-guides/inspections/">Read the Guide →</a>
106          </div>
107        </article>
108        <article class="card">
109          <div class="card-body">
110            <span class="tag">Step 4</span>
111            <h3>Insurance</h3>
112            <p>Homeowners, flood, and wind coverage on the coast — what it costs and how to keep premiums down.</p>
113            <a class="card-link" href="buyer-guides/insurance/">Read the Guide →</a>
114          </div>
115        </article>
116        <article class="card">
117          <div class="card-body">
118            <span class="tag">Step 5</span>
119            <h3>Closing Costs</h3>
120            <p>A line-by-line breakdown of what Florida buyers pay at the table — and what's negotiable.</p>
121            <a class="card-link" href="buyer-guides/closing-costs/">Read the Guide →</a>
122          </div>
123        </article>
124        <article class="card">
125          <div class="card-body">
126            <span class="tag">Tool</span>
127            <h3>Mortgage Calculator</h3>
128            <p>Estimate your monthly payment with Florida taxes and insurance included.</p>
129            <a class="card-link" href="#calculator">Use the Calculator →</a>
130          </div>
131        </article>
132      </div>
133    </div>
134  </section>
135
136  <!-- Mortgage calculator -->
137  <section class="section section-alt" id="calculator">
138    <div class="container">
139      <div class="valuation-panel">
140        <div>
141          <span class="eyebrow">Payment Tool</span>
142          <h2>Mortgage Calculator</h2>
143          <p style="color:var(--muted); margin-top:12px;">Rough out your monthly payment. For a real quote with today's rates, talk to one of our local lending partners. Want to model extra payments and an early payoff? Try the <a href='/financial-planner'>First Coast Life Calculator</a>.</p>
144          <div class="stat" style="margin-top:22px; text-align:left; padding:22px;">
145            <div class="label">Estimated Monthly Payment</div>
146            <div class="num" id="calc-result">$2,935</div>
147            <p class="form-note">Principal &amp; interest + est. taxes &amp; insurance</p>
148          </div>
149        </div>
150        <form class="lead-form" id="calc-form">
151          <label>Home price<input type="number" id="calc-price" value="500000" min="0" step="1000"></label>
152          <div class="row-2">
153            <label>Down payment %<input type="number" id="calc-down" value="20" min="0" max="100"></label>
154            <label>Interest rate %<input type="number" id="calc-rate" value="6.5" min="0" step="0.1"></label>
155          </div>
156          <label>Loan term (years)
157            <select id="calc-term"><option>30</option><option>20</option><option>15</option></select>
158          </label>
159          <button class="btn btn-navy" type="submit">Calculate Payment</button>
160        </form>
161      </div>
162    </div>
163  </section>
164
165  <!-- Downloadable guides / lead capture -->
166  <section class="section">
167    <div class="container">
168      <div class="quiz-panel">
169        <div>

170          <span class="eyebrow" style="color:var(--gold);">Free Download</span>
171          <h2>The First Coast Buyer's Guide</h2>
172          <p class="lead">28 pages covering the entire Northeast Florida buying process — neighborhoods, costs, timelines, insurance, and negotiation strategy. Instant download.</p>
173        </div>
174        <form class="lead-form quiz-form" style="display:grid; gap:14px;">
175          <h3>Get the Guide</h3>
176          <input type="text" placeholder="Full name" required>
177          <input type="email" placeholder="Email address" required>
178          <button class="btn btn-primary" type="submit">Download the Buyer's Guide</button>
179          <p class="form-note">We'll also send occasional market updates. Unsubscribe anytime.</p>
180          <div class="form-success">✓ Check your inbox — your Buyer's Guide is on its way!</div>
181        </form>
182      </div>
183    </div>
184  </section>
185
186  <div class="cta-ribbon">
187    <div class="container">
188      <span class="ribbon-title">Start your First Coast story:</span>
189      <a class='btn btn-primary' href='/buy'>Find Homes</a>
190      <a class='btn btn-outline' href='/#matchmaker'>Find My Beach Town</a>
191      <a class='btn btn-outline' href='/contact'>Schedule Consultation</a>
192    </div>
193  </div>
194
195  <footer class="site-footer">
196    <div class="container">
197      <div class="footer-grid">
198        <div class="footer-brand">
199          <a class='logo' href='/'>First Coast Living<span>Jacksonville to Daytona Beach</span></a>
200          <p>The First Coast's home for real estate, relocation, and coastal lifestyle — serving Jacksonville Beaches to New Smyrna Beach.</p>
201        </div>
202        <div>
203          <h4>Communities</h4>
204          <ul>
205            <li><a href='/st-augustine'>St Augustine</a></li>
206            <li><a href='/palm-coast'>Palm Coast</a></li>
207            <li><a href='/daytona-beach'>Daytona Beach</a></li>
208          </ul>
209        </div>
210        <div>
211          <h4>Buyers</h4>
212          <ul>
213            <li><a href='/buy'>Buyer Resources</a></li>
214            <li><a href='/financial-planner'>First Coast Life Calculator</a></li>
215            <li><a href='/buy#calculator'>Mortgage Calculator</a></li>
216            <li><a href='/contact'>Buyer Consultation</a></li>
217          </ul>
218        </div>
219        <div>
220          <h4>Resources</h4>
221          <ul>
222            <li><a href='/relocate'>Relocation Guides</a></li>
223            <li><a href='/lifestyle'>Lifestyle Hub</a></li>
224            <li><a href='/things-to-do'>Things To Do</a></li>
225          </ul>
226        </div>
227        <div>
228          <h4>Contact</h4>
229          <ul>
230            <li><a href='/contact'>Schedule Consultation</a></li>
231            <li><a href="mailto:[email protected]">Email</a></li>
232          </ul>
233        </div>
234      </div>
235<div class="footer-bottom">
236        <span>© 2026 First Coast Living. All rights reserved. · <a href='/credits' style='color:inherit; text-decoration:underline;'>Credits</a></span>
237        <span class="service-area">Serving: Jacksonville Beaches · Ponte Vedra · St Augustine · Palm Coast · Flagler Beach · Ormond Beach · Daytona Beach · New Smyrna Beach</span>
238        <span class="footer-credit">Website by <a href="https://www.builtresponsive.com" target="_blank" rel="noopener noreferrer">Responsive Web Solutions</a></span>
239      </div>
240    </div>
241  </footer>
242
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246<script>
247    // Mortgage calculator
248    (function () {
249      var form = document.getElementById('calc-form');
250      function calc() {
251        var price = +document.getElementById('calc-price').value || 0;
252        var downPct = +document.getElementById('calc-down').value || 0;
253        var rate = (+document.getElementById('calc-rate').value || 0) / 100 / 12;
254        var n = (+document.getElementById('calc-term').value || 30) * 12;
255        var loan = price * (1 - downPct / 100);
256        var pi = rate > 0 ? loan * rate / (1 - Math.pow(1 + rate, -n)) : loan / n;
257        var taxIns = price * 0.018 / 12; // rough FL taxes + insurance
258        document.getElementById('calc-result').textContent =
259          '$' + Math.round(pi + taxIns).toLocaleString();
260      }
261      form.addEventListener('submit', function (e) { e.preventDefault(); calc(); });
262      calc();
263    })();
264  </script>

264
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