Florida Homes Mortgage
Florida's Trusted Mortgage Experts
Don't overpay for your dream home. Learn the secrets to buying smarter and saving thousands.
Without the aid and assistance of a professional Real Estate Agent, purchasers often pay far more than fair market value. It is not uncommon to hear horror stories where thousands of dollars were wasted because the market was unknown.
Market areas differ — what you sold your last home for does not necessarily equate to equal pricing structures in your new neighborhood. We will know what is locally considered good value for investment dollar. If you are relocating to a new city, engage the services of a local Real Estate Agent who intimately understands the fluctuating market trends and will provide a comparative market analysis on the home you wish to purchase.
Finding the right home to meet your family's needs is hard enough. But knowing how to avoid paying too much for that home once you've found it is another job entirely. As someone who has helped countless buyers find their dream homes and save money at the same time, I've developed this guide to help you avoid the pitfalls inherent in the home-buying process.
Before you begin shopping, understand that there are two homes out there — the one that meets your needs vs. the one that fulfills your desires. List your features in two categories: Needs and Desires. Satisfy your needs first. Don't let emotion cloud your judgment.
Getting a loan pre-approval is the smart way to shop. It tells sellers you're a serious prospect, and you know in advance the maximum mortgage you can afford. Make sure you get a commitment in writing.
Get Pre-Approved →A good agent has the knowledge and experience that come from years of helping both buyers and sellers. Most sellers have professionals in their corner. Having a pro on your team is the best way to make sure you get the best deal possible.
Get FREE Buyer Representation →Once you have a clear, detailed picture of the home you want, make sure your agent has the same picture. A good Realtor will ask you several questions about what you're looking for and what you can afford — and they'll listen carefully to your answers.
The desirability and resale value of your home depend on location more than any other single factor. Don't let emotion get in the way of a wise investment. No home is an island — the value of yours is affected by the homes that surround it.
A good agent brings an in-depth knowledge of the current housing inventory. A complete working knowledge of available homes is your Realtor's strongest asset. This will save you much time and energy.
Some issues are cosmetic and can be easily remedied. Other problems may be warnings to walk away: major foundation cracks, water damage, termite damage, antiquated electrical systems. Don't let a house's positive attributes blind you to very real problems.
Spending a few hundred dollars on a professional home inspection is the best investment you'll ever make. A professional inspector brings experience, good evaluation standards, and an unbiased perspective.
Inspection covers: Foundation, electrical, heating, plumbing, floors, walls, attic, roof, siding, garage, drainage
A CMA will show you the sale prices of comparable homes in the neighborhood. When you make an offer, you can use the CMA as evidence to show the seller why you believe your offer is reasonable.
Good properties move fast. If you find the right home today but aren't ready to buy until tomorrow, you may already be too late.
Knowledge is power. The reasons behind a sale can often be used to your advantage during negotiations. A seller who has been transferred is probably more motivated than someone still looking for a new home.
Information can be used against you. How much you're willing to spend, the size of mortgage you can afford — it all can be used to extract more money from your pocket. Keep your personal circumstances to yourself.
One of the costliest mistakes is letting the sellers know how much you love their home. No matter how wonderful a home is, no matter how much you want it, keep it to yourself.
If there is another buyer, the seller's agent will try to get a bidding war going. In these situations, whoever wins also loses because the buyer ends up overpaying.
Don't forget to factor in mortgage insurance, appraisal fees, inspection fees, transfer taxes, title insurance and every other dollar you'll have to spend. Know how much you are really paying for your new home.
Let me put my 25+ years of experience to work for you. Get FREE buyer representation and expert guidance through every step of the home-buying process.
Let me help you avoid costly mistakes and save thousands on your dream home!
"Miguel helped us understand exactly how much home we could afford. He didn't push us to our max budget — he advised us to stay comfortable. We love our home and our payment!"
"We were worried about overextending ourselves. Miguel showed us a realistic budget and found homes that fit our price range. We never felt pressured to spend more than we could afford."
"Miguel's affordability calculator was eye-opening. He factored in taxes, insurance, and maintenance — things we never considered. Thanks to him, we bought a home we can truly afford."
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