Preguntas frecuentes

The first step is getting pre-approved for a mortgage with a lender. This shows you how much you can qualify to borrow and puts you in a stronger position once you find a property you like.

Yes, it’s recommended. Pre-approval defines your real budget and shows sellers you’re a serious buyer, which matters especially in a competitive market.

It depends on the loan type. There are conventional, FHA, VA and other programs with different minimum down payment percentages. Your lender can explain which option fits your situation best.

It’s a professional evaluation of the property’s physical condition (roof, plumbing, electrical, structure, among others) before closing. It lets you identify issues and negotiate repairs or adjustments before finalizing.

Closing time varies based on the type of financing and the complexity of the transaction. Your agent and lender will give you an estimated timeline once you have a signed contract.

Closing costs can include appraisal, inspection, title insurance, lender fees and other administrative charges. Your lender will give you a detailed estimate (Loan Estimate) early in the process.

There are financing programs designed for different credit profiles. It’s best to speak with a lender to review your specific situation and the options available to you.

Pre-qualification is an initial estimate based on information you provide. Pre-approval involves a more formal review of your financial documents by the lender and carries more weight with sellers.

Value is determined by comparing your property to recent sales of similar homes in your area (comparables), plus current market conditions. A market analysis (CMA) gives you an accurate estimate.

Time on market depends on factors like price, condition, location and current demand. Your agent can give you an estimate based on recent trends in your area.

Not every repair pays off. It’s best to prioritize fixes that affect first impressions (paint, deep cleaning, small visible repairs) and check with your agent before investing in major renovations.

It’s based on a comparative market analysis (CMA) that reviews recently sold comparable properties, active competing listings, and current supply and demand conditions.

Typical costs include agent commission, title transfer taxes, and in some cases concessions negotiated with the buyer. Your agent will give you an estimate (net sheet) before listing.

Generally it’s neither necessary nor recommended. Buyers tend to feel more comfortable exploring the property without the seller present, which makes for a more honest evaluation.

It’s a purchase offer that doesn’t depend on mortgage loan approval, which generally allows for a faster closing with fewer contingencies than a financed purchase.

It’s a good idea to start organizing your move as soon as you accept an offer, since the closing date usually sets the deadline to hand over the property.

Yes. Many buyers complete most of the process remotely with their agent’s help: video walkthroughs, electronic document signing, and remote coordination with the lender and title company.

Yes, we can coordinate video call walkthroughs, photos and detailed videos of the properties you’re interested in before you arrive in the area.

Important things to research include neighborhoods that fit your lifestyle, commute times, schools if you have children, local property taxes, and insurance (including hurricane coverage).

Your lender may require additional documentation related to your new job or income, especially if you’re relocating for work. It’s a good idea to talk to a lender early in the process.

Not always. Depending on the transaction, there are options for remote signing or signing by power of attorney. Your agent and the title company can walk you through the options available.

Requirements vary based on your immigration status and the type of financing. It’s important to consult a specialized lender to find out the specific documentation for your case.

Your agent can guide you based on your priorities (proximity to work, schools, lifestyle, budget) and help you compare different South Florida areas before you decide.