Chapter 01 · of 11
How to buy property in Florida starting from a Québec (or other Canadian) buying experience. Market, Realtor®, contract, financing, inspection, title, closing costs, holding structure, special cases, and tools.
Guides marked with a coral dot are published. Others are queued for production.
Reading an MLS sheet when you're used to Centris
Zillow, Redfin, Realtor.com, local MLS
From Centris to Florida: Quebec buyers' guide
From Realtor.ca to Florida: guide for buyers outside Quebec
Bilingual lexicon, 200 terms
Virtual tours, FaceTime, drones, 360° video
On-site visit checklist (hurricane, intrusion, HOA)
When to buy (summer trough vs. winter peak)
Choosing your property type in Florida: house, condo, mobile home, and alternatives
Realtor® FL vs. OACIQ broker: contract differences
Finding a French-speaking, FL-licensed Realtor®
Transactional representation vs. single agent
Single Agent Notice and Consent to Transition: the two FL representation forms
Quebec FARCIQ & FICI vs. Florida buyer protection
Who pays what since the NAR 2024 settlement
Florida Buyer Broker Agreement (BBA): What Canadian Buyers Sign Before Touring
Mortgage for a Canadian without US credit
US banks that lend to Canadians (RBC Bank US, BMO Harris, Scotia, Natbank, Desjardins Bank)
Foreign national mortgage: financing as a Canadian non-resident
Cash vs. financing: tax and opportunity analysis
Building US credit from zero
Reading the Loan Estimate
Reading the Closing Disclosure
DSCR loans for Canadian investors: qualifying on rental cash flow
Authorized user: build US credit via a US relative
Cash-out refinance for Canadians
DSCR cash-out refinance: BRRRR strategy
Non-warrantable Florida condos & financing
Florida title insurance: who pays, owner's vs. lender's policy
The closing step by step (escrow, settlement statement, deed)
Title search and common defects
Choosing the escrow agent
Quebec trust account vs. Florida escrow: deposit protection & disputes
Reading the ALTA Settlement Statement
Real estate wire fraud prevention
Florida Title Insurance Endorsements: Florida Form 9, Survey Deletion, HOA Assessment
Title Insurance Compared: Florida vs Ontario, British Columbia, and Alberta for Canadian Cross-Border Owners
Buying preconstruction (new condo, 10/10/10/70 deposit structure)
Foreclosure, REO, short sale: pros and risks
Condo vs single-family: trade-offs for Canadians
Co-op (rare in FL): how it works
Condotel: financing and tax restrictions
Auction purchases (caveat emptor)
Florida SB-4D and post-Surfside condo reform: a Canadian buyer's guide
55+ active-adult communities in Florida: HOPA, the 80/20 rule, and what Canadians should expect
Mobile and manufactured homes in Florida: a Canadian buyer's guide
Townhouse and villa in Florida: condo or fee-simple?
Educational purpose only. The content of CanadaFlorida.com is drawn from public sources and provides general information. It is not legal advice, tax advice, accounting advice, real estate advice, financial advice, or any individualized professional advice.
No professional relationship is created by reading this site. For any concrete decision, consult a cross-border tax attorney, a CPA / chartered accountant licensed for Canada–US matters, a closing agent, and a real estate broker licensed in the State of Florida.
Time validity. Figures, rates, thresholds, and timelines may change. The last review date is shown at the top of each guide.