🛠️ The Hidden Dealbreaker Most Agents Don’t Talk About
By Monica Stefanescu 

Link to article in Spanish and in Romanian

Buying a home in Florida?

If you’re using an FHA, VA, or even conventional loan, a 4-point inspection might be the thing that makes — or breaks — your deal.

It covers 4 key systems:

Roof

Plumbing

Electrical

HVAC

Insurance companies often require this on homes over 20 years old — sometimes even newer ones (especially here in Florida) — before they’ll issue a policy.

No insurance = no loan = no closing.

What most agents miss:

- They don’t ask what type of loan you’re using.

- They skip inspection strategy.

- They don’t bring in the right insurance pro early.

And that’s how buyers lose the home they were ready to move into — just days before closing.

How I do it differently:

🧠 A lender who explains the numbers in plain English

🛡️ An insurance pro who knows what will pass

🔎 An inspector who actually gives a damn — and protects your investment

This isn’t just paperwork — it’s the plan that protects your future home.

Curious if your home or loan type could trigger this?

Let's talk. No pressure — just real strategy.