Frequently Asked Questions

Buying a Home

How much do I need for a down payment?

It depends on your loan program. FHA loans require as little as 3.5% down, qualified buyers using conventional programs may put down as little as 3%, and VA or USDA loans offer 0% down financing options for eligible candidates. Additionally, state and county down payment assistance programs can significantly reduce your out-of-pocket costs. A trusted mortgage lender can analyze your financial profile to determine your exact options.

Can I buy a home using an ITIN number?

Yes! Specialized lenders offer mortgage programs specifically designed for buyers with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. Down payment and qualification criteria vary, and I can connect you with experienced local lenders specializing in ITIN financing.

How long does it take to purchase a home?

Once an offer is accepted, a financed purchase generally closes in 30 to 45 days. Cash transactions can close much faster, often within 10 to 14 days. The initial home search timeline varies based on inventory, market dynamics, and your specific criteria.

How much are buyer closing costs in Florida?

In Florida, buyer closing costs typically average between 2% and 5% of the purchase price. These include lender fees, title insurance, escrow reserves, and recording fees. In many transactions, we can negotiate seller concessions during the offer stage to cover a portion of these expenses.

What is a CDD fee?

A Community Development District (CDD) fee is common in Central Florida master-planned and new construction communities. It finances the initial infrastructure, roads, and community amenities. The CDD fee is paid annually as part of your property tax bill. I ensure you understand the combined HOA and CDD fees so you know your true monthly commitment before making an offer.

Should I hire my own real estate agent when buying new construction?

Absolutely. The builder’s sales representative works exclusively for the builder to protect their interests. In most cases, builders cooperate with buyer’s agents, so having independent representation often costs you nothing extra—and ensures you have a dedicated advocate reviewing contract terms, negotiating builder incentives, attending inspections, and overseeing the closing process.

How does buyer agent compensation work?

Real estate commissions are fully negotiable. Before we tour properties, we will sign a written Buyer Representation Agreement that clearly outlines my duties and compensation structure. In many transactions, we negotiate for the seller or builder to cover these costs as part of the purchase agreement.

What is the Florida Homestead Exemption?

If the property is your permanent primary residence, the Florida Homestead Exemption lowers your home’s assessed value for tax purposes and caps annual property tax assessment increases under the Save Our Homes limitation. To qualify, you must occupy the home by January 1 and submit your application to the county property appraiser by March 1 of the year following your purchase.

Selling a Home

How do you determine my home’s value?

I conduct a thorough Comparative Market Analysis (CMA) evaluating recently sold properties, active competing listings, pending sales, and current hyper-local neighborhood market conditions. You can request a complimentary, no-obligation home valuation at any time.

What closing fees do sellers pay in Florida?

Florida sellers typically pay the state documentary stamp tax on the deed ($0.70 per $100 of the sale price), customary closing and title service fees, and any agreed-upon seller concessions or brokerage commissions. Prior to listing, I provide you with a detailed estimated net sheet so you know your net proceeds upfront.

How long will it take to sell my property?

Time on market depends on strategic pricing, property condition, location, and broader market conditions. Properties priced accurately and presented with high-quality media from day one attract the highest buyer interest and secure competitive offers faster.

Working with Me

Do you work with Spanish-speaking clients?

¡Sí, por supuesto! I am fully bilingual (English/Spanish) and guide clients seamlessly through every contract detail, negotiation, and milestone in their preferred language.

What geographic areas do you serve?

I serve Orlando and the surrounding Central Florida communities, including Kissimmee, Saint Cloud, Lake Nona, Dr. Phillips, Hunter’s Creek, Windermere, Winter Garden, Ocoee, Apopka, Clermont, Davenport, Winter Park, Baldwin Park, Metrowest, Meadow Woods, Southchase, Belle Isle, Gotha, and nearby areas.