Buying a Home in Miami Dade & Broward County?

Buying Tip #1 How Much Can I Afford ?

The best steps to buying a home begins with home buyers finding the right payment or how much of a monthly mortgage payment you can afford. Get a estimate to know how much home you can afford using the mortgage estimate tool!

Get a Estimate of property taxes in Dade or Broward

Calculate your estimated property taxes in Miami-Dade or Broward County, FL Learn more about property exemptions home exemptions & benefits for homeowners and more..

Miami-Dade Property Tax Estimator (Miami-Dade Property Appraiser) 

Broward County Tax Estimator (Broward County Property Appraiser)

Buying Tip #2 Get Pre-Qualified for a Home Loan

Getting Pre-Qualified is a important step in the home buying process, get the buying power you need to compete with other interested home buyer's in the market.  Find out about preferred lender in your area

Buying Tip #3 Search for Homes

Time to Search! Search for home for sale, customize your search, find new listings, active home listings for sale, save search results, request more information, schedule a home showing appointment and more...Start your search!

More Home Buying Tips & Frequently Asked Questions

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Know your buying power! Review your credit & Credit Score

Successful home buyers always keep score. The best steps to buying a home or home buying is knowing your credit score. Having the best score is ideal, but knowing the status of your credit is just as important.  Review your credit reports for errors and accurate information being reported to Equifax, Transunion, and Experian.  Dispute inaccuracies to reflect correctly on your credit report. Per the Fair Credit Reporting Act (FCRA), the three major credit bureaus : Equifax  Experian Transunion are required to provide the consumer a free credit report, per consumers request once every year. Request your credit report at

Reviewing your credit report can help you better understand where your credit stands. If you are having trouble getting approved for a loan, find a credible credit repair company to assist you in getting on the right track and improve your credit or learn. Learn more  

How much do you need for a Down Payment on a Home?

How much do you need for a down payment on a home? This is a commonly asked question. The answer varies. For Example, If you are a first-time homebuyer you may be eligible to qualify for a FHA loan with as low as 3.5% of the purchase price of the primary home. Outside of FHA Loans, lenders can require 3% down payment and even up to 20% of a down payment or more. To learn more about down payment requirements talk to your bank or mortage lender about how much you need for a down payment for a home loan. Learn more about FHA

Getting the Right Loan amount and Getting Approved or Pre-Approved for a Home

Before shopping for homes, it's important to know how much your home loan amount you are approved for and how much you monthly mortgage payment would be.  Being Pre-approved for a home mortgage will help you have more buying power leverage when competing with other homebuyers in the market.  Seller's in the real estate market today may require homebuyers to be pre-screened or pre-approved before reviewing or accepting an offer. Find a lender and get Preapproved for a home or Prequalified for home before you meet the home home of your dreams! Use a Mortgage Calculator to see how much of a monthly payment you can afford

Let a Real Estate Professional Advise, Prepare, Review, and Supervise the Real Estate Transaction

The Strongest Steps to buying a home begin with hiring a real estate agent or realtor. Many real estate agents and realtors® are very in tune with the real estate market and neighborhood sales trends and buying a home is a big decision! Let a Real Estate professional do all the negotiating, suggest a competitive offer to present to the seller for their home, prepare and review the real estate sales contract, monitor the real estate transaction process to closing and after. Find a Real Estate agent or Realtor to assist you in finding a home and representing you as the home buyers in the home buying process! Find a Realtor in your area

Be Prepared to Make a Strong or Best Offer on the Spot!

Time is of the essence! In a sellers market , sellers have more of a advantage with many buyers in the market and low inventory of homes for sale in the market.   When competing in a sellers market, it's always a good idea to have your agent suggest the best offer to make for a home.  It is very common in a sellers market, for a home to have multiple offers being presented to the seller.  Usually the seller will review all the offers and choose the highest and best. In many situations, the property goes under a multiple offers situation were offers usually go over the asking price.  Important to note,  It is extremely important that when you find the home that you have been looking for to always make a strong offer by offering your highest and best offer for the home as soon as possible. A low offer presented in a sellers market below asking price, can lead to your offer not being accepted.

Finding Inspectors to conduct your Home Inspections

Not that your offer has been accepted, it time to find a certified home inspector to conduct a inspection of the home . Most home owners insurance companies require a 4 point inspection that includes: HVAC Inspection, Electrical Inspection, Plumbing Inspection, and roof inspection or a general home inspection. Consumers have the discretion to make additional home inspections such as : Wind Mitigation inspections, Pest Control & termite inspection, Mold and Moisture Inspection, Sewer or Septic inspections, and new home construction inpections. Find Home inspectors and Reviews learn more

More Home buying tips

Buying a home

Get the Best Quotes for a Homeowners insurance policy & Flood Insurance

Now that you have a executed contract,, Finding the best insurance to protect your home & real estate investment is essential, especially in South Florida. Review deductibles an what the does the home insurance policy cover such as : Dwelling Protection or Dwelling coverage, Structural Coverage or Other Structure Protection, Liability Coverage or Liability Protection, and Personal Property Coverage or Personal Property protection. When choosing a home insurance policy you want to consider getting the best coverage based on coverage needed to rebuild your home or the cost of rebuilding your home vs. the purchase price of the home or the current market value of the home. In addition, protect your home by purchasing flood insurance policy.   Most Homeowners insurance policy do not cover flood, click here to learn more about flood insurance 

Stay up to date with your lender and loan Required Documentation for a Successful closing

Underwritting a home loan or Home mortage usually takes time. Many lenders can take up to 30-45 days to close a loan. During the home loan process it is important to submit all requested documents needed to your lender as soon as possible. Most common requested documents from lenders include :  Last 2 years of your IRS Tax Return fillings, W-2's, 3-6 months of recent pay stubs, and bank statements or other supporting financial documents. Keep all parties up to date on the loan status and loan process to ensure a successful closing.

Home buying Benefits & Advantages of buying a home

Buying Vs. Renting & Homeownership Benefits

  • One Important benefit of buying a home vs. renting is the convenience of the ability to finance your home with a fixed rate and have the peace of mind of having the option to have a Fixed Amortized Monthly Payment
  • Buying a home is one of the first biggest real estate investments that a first time home buyer can make. Purchasing a home or purchasing real estate has it's perks and can lead to gains in profit over a period of time through Property Appreciation. 
  • IRS Home Tax Deductions is another benefit of owning your own home. Did you know that you may be able to deduct real estate taxes when you buy a home & Home Mortgage Interest.  Learn more about real estate tax deductions  
  • Buying a Primary Residence or Primary Home in Florida, Florida Homeowners may be eligible to claim up to $50,000 in Homestead Tax Exemptions. Learn more about additional Florida home and other exemptions 
  • Owning your own home gives you the benefit having more freedom to enjoy your home with less restrictions and less rules. Customize your home and enjoy being able to paint, remodel, modify, construct or expand your home. If you love animals, the best part you don't have to worry about pets not being allowed. Find a place and make it your home!
  • Owning a home gives you the ability to have additional income options in the short term or long term. If you own a home and one day decide to  upsize or downsize, you have the option to sell your home.  If you are not ready to sell, but want to make some additional income you have the option to rent your home. Third, by owning a home or owning real estate you able to grow your savings over time and can lead to additional equity to use for future educational planning, retirement planning, or other investment planning.  In conclusion, owning a property can give you the opportunity to leverage your home's value and your home's equity to retire, invest, or build up your nest egg to compliment your financial goals.

Real Estate in Miami-Dade and Broward

Real Estate in Miami-Dade and Broward