Answers to the questions we hear most often from buyers and sellers across Palm Beach County. Have a question that isn’t here? Reach out — we’re happy to help.
For Home Buyers
How do I start the home buying process?
Start by getting pre-approved with a lender so you know your budget, then connect with an agent who can help you define your must-haves and search the right neighborhoods. Our home buying guide walks through each step.
How much do I need for a down payment?
It varies by loan program — some allow as little as 3–5% down, while others differ. First-time buyers may qualify for assistance programs. The right amount depends on your goals, so talk to a lender about your options.
What are closing costs in Florida?
Closing costs typically include lender fees, title and settlement charges, taxes, and prepaid items like insurance. Budget for them in addition to your down payment — see our Florida closing costs guide.
Why is homeowners insurance such a big deal in Florida?
Florida’s hurricane exposure makes insurance a major cost, and roof age and flood zone heavily affect price. Always get real quotes during your inspection period so there are no surprises.
What is the homestead exemption?
If a home is your permanent primary residence, Florida’s homestead exemption reduces your taxable value, and the Save Our Homes cap limits annual assessment increases. You must apply — it’s not automatic.
For Home Sellers
How do I know what my home is worth?
An accurate price comes from a comparative market analysis of recent nearby sales, not an automated estimate. We’ll prepare a current, address-specific valuation for your home.
What’s the best time to sell in Palm Beach County?
Demand is steady year-round here, boosted by seasonal buyers in the cooler months. The best time depends on your local market and situation — we’ll advise based on current conditions.
How can I sell for the best price?
Correct pricing, professional photography, staging, and strong marketing make the biggest difference. Our home selling guide covers the details.
Working With an Agent
How are real estate commissions handled?
Commissions are negotiable and are agreed to in writing. Recent industry changes have affected how buyer and seller agents are compensated — we’ll explain clearly how it works for your transaction before you commit to anything.
Do I have to sign a contract to work with you?
A formal agency relationship is created through a written agreement. Contacting us or browsing the site carries no obligation — we’re happy to answer questions first.
Can you help if I’m relocating from out of state?
Absolutely. We regularly help out-of-state buyers with virtual tours, neighborhood comparisons, and local due diligence. See our relocation guide.
Still have questions?
Contact Cenege Real Estate Group or call (561) 618-9984. We’re here to help.
