Educational Resource Center

South Florida Real Estate
Knowledge Base

Citeable, Florida-specific guides sourced from official statutes, state agencies, and federal regulators. Everything you need to make informed decisions — whether you're buying, selling, investing, or relocating.

4 Articles·Sources: FL Statutes, FHFA, HUD, FEMA, Citizens Insurance

Educational purposes only. Nothing on this page constitutes legal, tax, insurance, or financial advice. Consult a licensed attorney, CPA, insurance agent, or mortgage professional for guidance specific to your situation.

Browse by Audience

Find the articles most relevant to your situation.

Buyers

Insurance costs, loan types, down payment assistance, and condo pitfalls

Sellers

Closing cost taxes, HOA disclosures, estoppel certificates, and net proceeds

Investors

DSCR loans, cap rates, 1031 exchanges, opportunity zones, and rent control

Relocators

No state income tax, Homestead Exemption, flood zones, and loan limits

All Articles

Each article is sourced from official Florida statutes, state agencies, and federal regulators.

South Florida Focus

Florida Insurance, Property Tax & Closing Costs

Understand homeowners insurance, flood zones, wind mitigation discounts, Citizens Insurance, the Homestead Exemption, Save Our Homes cap, and closing cost taxes — all specific to Palm Beach and Broward Counties.

Homeowners InsuranceFlood InsuranceWind MitigationHomestead ExemptionClosing CostsDoc Stamp Tax
BuyersSellersRelocators
10 min read
Loan Types, Limits & Down Payment Assistance

Florida Mortgage & Financing Guide

Compare conventional, FHA, VA, USDA, jumbo, and DSCR loans. Get the 2025–2026 conforming loan limits for Palm Beach and Broward Counties, plus the Florida Hometown Heroes down payment assistance program details.

Conventional LoansFHA / VA / USDAJumbo LoansDSCR LoansLoan LimitsHometown Heroes DPA
BuyersInvestorsRelocators
9 min read
Post-Surfside Requirements & Buyer Protections

Florida HOA & Condo Law

Navigate Florida's post-Surfside condo legislation — Structural Integrity Reserve Studies (SIRS), milestone inspections, buyer cancellation rights, estoppel certificates, and the critical differences between HOA and condo ownership.

SIRS RequirementsMilestone InspectionsBuyer Cancellation RightsEstoppel CertificatesHOA vs CondoFinancing Impact
BuyersSellersInvestors
11 min read
Investing, 1031 Exchanges & Opportunity Zones

South Florida Commercial Real Estate

Explore commercial property types, cap rates, NOI, lease structures, 1031 like-kind exchanges, Qualified Opportunity Zones in Palm Beach and Broward Counties, and Florida's rent control preemption law.

Cap Rates & NOILease Types1031 ExchangesOpportunity ZonesRent Control PreemptionMarket Snapshot
Investors
12 min read
Step-by-Step from Pre-Approval to Keys

Florida Homebuyer's Timeline

A complete 6-phase homebuying timeline specific to Palm Beach and Broward Counties — covering financial preparation, pre-approval, home search, offer strategy, inspection, title, and closing with Florida-specific rules on Homestead Exemption, seller disclosure, and TRID.

Pre-ApprovalHome InspectionTitle InsuranceClosing Costs TableHomestead ExemptionSeller Disclosure
BuyersRelocators
12 min read

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Tex Guignard

REALTOR® · Keller Williams Realty Services

"You Didn't Talk To Tex."

Local South Florida REALTOR® providing data-driven insights to help you buy or sell with confidence. Serving Palm Beach & Broward Counties — 31 cities including Boca Raton, Coral Springs, Delray Beach, Fort Lauderdale, and Weston.

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Market Data Disclaimer: Market statistics, price estimates, days-on-market figures, absorption rates, and all other market intelligence displayed on this website — including AI-generated analyses, City Spotlight reports, and Market Pulse data — are provided for informational purposes only. They are derived from AI models and publicly available data sources and are not sourced directly from the MLS (Multiple Listing Service) or any official real estate database. Figures may not reflect current MLS data and should not be relied upon as a substitute for a Comparative Market Analysis (CMA) or professional appraisal. Past market performance is not a guarantee of future results. For accurate, up-to-date property valuations and market conditions, please contact Tex Guignard directly at 954-551-7481.

AI Tools & Estimates Disclaimer: All AI-powered tools on this website — including the Seller Opportunity Scanner, ROI Calculator, Rental ROI Calculator, Net Proceeds Calculator, Affordability Snapshot, and Relocation Guide — produce estimates and projections for general informational purposes only. Results are not guaranteed and will vary based on individual circumstances, market conditions, and property-specific factors. These tools do not constitute financial, legal, or tax advice. Consult a licensed financial advisor, CPA, or real estate attorney before making any real estate or investment decision.

Tax & Cost Comparisons Disclaimer: State income tax rates, property tax comparisons, and cost-of-living savings estimates shown on relocation pages are based on publicly available data (Tax Foundation, U.S. Census Bureau) and are provided for general comparison purposes only. Individual tax liability depends on income level, filing status, deductions, and other factors. Florida has no state income tax; however, property taxes, sales taxes, and other local taxes still apply. Always consult a qualified tax professional before making relocation decisions based on tax savings.

School Ratings Disclaimer: School ratings referenced on this website are sourced from GreatSchools.org and reflect publicly available data at the time of publication. Ratings are subject to change and do not constitute an endorsement or guarantee of educational quality. Families should independently verify school information with the relevant school district before making housing decisions.