Step-by-Step Guide to Homeownership

guide to homeownership

As a current renter, the thought of homeownership can feel like a daydream, but it is an exciting and achievable goal!

At ICI Homes, we understand the significance of this milestone, and we’re here to guide you through the steps from how to become qualified, to finding the community that’s right for you, to the build process, and beyond!

Our mission is to enhance lives by expanding what’s possible for our customers, so let’s embark on this journey together.

Step 1: Determine Your Budget

Before you start house-hunting, it’s crucial to determine your budget. This step is all about understanding your financial situation. Evaluate your monthly income, expenses, and savings. ICI Homes offers a variety of homes and communities, and we can help you find one that aligns with your budget while providing the quality and customization you desire.

Check out the financial tools we have available here.

Step 2: Check Your Credit Score

Your credit score plays a significant role in qualifying for a mortgage. A higher credit score can lead to better interest rates and terms. If your credit score needs improvement, ICI Homes can connect you with reputable financial advisors to help you enhance your creditworthiness.

Find out what your credit score is here.

Step 3: Save for a Down Payment

While many people aim for a 20% down payment, it’s not always necessary. At ICI Homes, we often have preferred lenders who can work with you to find financing options that fit your unique circumstances. Contact us for more information on our preferred lenders.

Step 4: Get Pre-Approved for a Mortgage

Getting pre-approved for a mortgage gives you a clear understanding of how much you can borrow. ICI Homes has strong relationships with trusted mortgage lenders who can help streamline the pre-approval process for you.

Request more information about our preferred mortgage parters here.

Step 5: Explore ICI Homes’ Communities

One of the unique aspects of ICI Homes is our wide range of communities throughout Florida from well-established master-planned communities like Nocatee in Ponte Vedra to exquisite private golf course communities like Amelia National Golf & Country Club in Fernandina Beach and Plantation Bay in Ormond Beach. We offer first-class home designs, customization options, and energy-wise standards. Explore our communities and discover the perfect location for your dream home.

dream homeStep 6: Customize Your Dream Home

Our ability to customize homes is one of our defining features. (We move walls!!) Tailor your new home to your preferences with the help of our professional Design Team at one of our in-house Design Centers.

View all of our floor plans here.

Step 8: The Build Process

ICI Homes boasts an experienced team of land developers, builders, craftsmen, and customer service professionals. We’re here to provide convenience, superb value, and peace of mind throughout the home-building process.

Learn all about the building process here.

Step 9: Move In day and beyond!

Every new ICI Home is covered by one of the most comprehensive home warranty programs in the marketplace today. For homebuyers, an HBW 2-10 warranty safeguards your largest single investment, and protects you against unexpected repair or replacement expenses.

Learn more about ICI Homes warranty program here.

Support throughout the homeownership journey

Transitioning into homeownership is a significant life change, and ICI Homes is here to support you every step of the way. Our dedication to enhancing lives through homebuilding is reflected in our top-notch service and commitment to our communities. Let us help you achieve your dream of homeownership. Your future with ICI Homes is bright, just like the beautiful communities we build.

Ready to start your journey to homeownership? Reach out to ICI Homes here.