When dealing with large community builders, they typically provide their own contracts for sale and purchase, along with established partnerships for mortgage services. These builder contracts are typically non-negotiable, but a Realtor can be invaluable in helping you understand the contractual intricacies, offering legal support as needed. On the other hand, individual, one-off builders often accept the standard Florida Bar contracts for Sale and Purchase, and your Realtor will assist in initiating the property offer using these forms.

While buyers have the freedom to choose their preferred mortgage provider for any purchase, large builders often encourage buyers to use their in-house lenders. These builder-affiliated lenders offer various incentives, so it's essential to explore all available options. However, it's worth noting that using an external lender can sometimes be challenging when dealing with large builders, as their contracts can be less flexible if issues arise during the transaction.