Frequently asked questions

It varies by loan type — conventional loans can go as low as 3–5% down, FHA 3.5%, and VA/USDA can be 0% for those who qualify.

It's strongly recommended. A pre-approval shows sellers you're a serious, qualified buyer and tells you exactly what you can afford before you start touring homes.

We prepare a Comparative Market Analysis using recent comparable sales and current competition — not an automated guess.

It depends on price, condition, and location, but a well-priced, well-presented home in today’s market typically attracts strong interest within the first few weeks.

Connect with a trusted local lender who reviews your income, credit, and assets, then issues a pre-approval letter — usually within 1–2 business days. We're happy to introduce you to several.

Pre-qualification is a quick estimate based on information you share; pre-approval is a verified commitment from a lender after reviewing your documents, and it carries far more weight with sellers.

Miami remains a strong long-term market driven by steady in-migration and limited inventory. We'll walk you through current neighborhood data so you can decide with confidence.

It depends on your budget and lifestyle, but we can highlight up-and-coming neighborhoods that balance value, amenities, and long-term appreciation potential.

We prepare a competitive offer based on comparable sales, advise you on terms and contingencies, submit it on your behalf, and then negotiate hard to protect your interests.

Our commission is competitive and always discussed upfront and in writing before you commit — no surprises. Reach out and we’ll walk you through the details for your situation.