Florida Homes Mortgage
Florida's Trusted Mortgage Experts
Don't Pay Another Cent in Rent to Your Landlord. Start Building Wealth Today!
"Renting is like taking money out of your pocket and watching it disappear, whereas owning is like taking money from your right pocket and putting it into your left."
With that being said, don't pay another cent in rent to your landlord!
It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. The truth is, there are some little-known facts that can help you get over the hump and transfer your status from renter to homeowner.
Local and federal government programs (first-time buyer programs) allow for no down payment or will match dollar for dollar.
If you have good credit and income but are short on cash, lenders may give you a credit to help cover closing costs.
Some sellers may hold a second mortgage as a "seller take-back" — you pay monthly installments instead of a lump sum.
401K accounts often allow borrowing for home purchases with no penalties. Check with your HR representative.
Several products help credit-challenged buyers purchase a home and re-establish their credit.
Written preapproval is free, easy, and as good as money in the bank. It guarantees you a mortgage when you find the right home.
Family income: $70,000 | Rent: $1,200/month | Home: $240,000 with 20% down
Monthly payment: $1,558 | Tax-deductible: $1,479 | Tax savings: $414/month
Your new effective cost: $1,144/month — LESS than your rent!
Pro Tip: Adjust your W-4 form to get the $414/month now, rather than waiting for a tax refund!
⚠️ Disclaimer: Not a CPA — consult your tax professional. Numbers assume itemizing deductions on Schedule A.
You can buy with 10% down, 5% down, or even zero down! That $240,000 house will be worth $256,800 next year — an increase of $16,800! So you might pay $200 more a month ($2,400/year), but you gained $16,800 — that's a 7x return on your extra investment!
Buy a house for $300,000. In ten years it'll be worth $600,000 — you doubled your money. But here's the key: you only put 10% down — $30,000!
When your $30,000 becomes $300,000, that isn't a double — it's a ten-fold increase in your money!
I challenge you to find an investment other than real estate that gives you appreciation, leverage, tax deductions, and tax-free capital gain.
Tax-free money for college, second homes, or retirement — interest is tax-deductible!
When you sell, pocket gains tax-free — up to $500,000 for married couples!
While renters pay 11%+ on car loans, homeowners deduct interest!
With interest rates at historic lows, the risk is greater that rates will go up, not that home prices will go down. Don't try to "pick the bottom" — you'll miss out on today's historically low interest rates!
Even if your lease isn't up yet, let's get the ball rolling. Credit work could take 3 months or more. Next year at this time you could still be renting — or you could be in your own home building equity.
Stop making your landlord rich — start building a nest egg for yourself today!
"We were tired of throwing money away on rent every month. Miguel helped us buy our first home, and now our mortgage is actually less than what we were paying in rent. Best decision ever!"
"After 10 years of renting, we finally own our own home. Miguel made it happen. He showed us how buying was more affordable than renting, and now we're building equity instead of paying our landlord."
"Miguel helped us stop throwing money away on rent. He found us a zero-down program and got us into a beautiful home. Now we're investing in our future instead of someone else's property."
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Complete our 60-second application with basic information
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Sign documents and get the keys to your new home
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"We've helped thousands of families achieve their dream of homeownership. Now it's YOUR turn."
Are you ready to step into your future? Whether it's your first home, a new investment, or a cozy upgrade, securing the right mortgage is the first step. But don't wait – rates are changing fast, and so are your opportunities!
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