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You have made the offer to buy a home in Florida. Now, your Real Estate Agent will guide you to determine how large a deposit you want to make along with your offer.
If you want to show the seller you are serious, you will want the earnest money deposit to be large. If so, make sure this deposit is a lesser amount of your writing offer. Why? Just because some lenders tend to give special attention to where these funds come from.
There is another reason to make your deposit not too significant and is just in case a disagreement between you and the seller arise, so the lesser amount of money you have deposited, the lesser amount you have put at risk.
However, there are exceptions to this and are usually related to the so called “hot market” when numerous offers on the home you want to buy are placed.
A big deposit will impress the seller and your offer may be accepted even when other competitor buyers are offering the same price. Also, keep in mind that by making a big deposit you might persuade the seller to accept a lower offer.
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