Your first home in Florida:
a clear, step-by-step path to closing.
What Angelica covers in your first call: capital requirements, loan programs, and the full path from offer to keys. Find out your true purchasing power first.
THE BUYING PROCESS
From Prequalification to Keys in 6 Steps
01
Quick Prequalification (2 min)
We review your income and monthly obligations to determine your true budget. 100% free with no impact on your credit score.
02
Pre-Approval with a Lender
Angelica connects you directly with mortgage lenders who work with work visas, and first-time buyer financing.
03
Targeted Search & Showings:
We focus only on properties fitting your verified price point and location criteria.
04
Negociación Estratégica de la Oferta y los Términos
Strategic offer pricing, contingencies, and inspections explained clearly throughout the process.
05
Inspection, Appraisal & Insurance
Property inspection essentials, renegotiating repairs or seller credits, and understanding Florida homeowners insurance.
06
Closing & Keys
Upfront closing costs from day one; no surprises at the closing table.
THE #1 QUESTION
How Much Money Do I Need to Buy?
Less than you think. These are the most common loan programs Angelica's clients use; she helps you determine the exact match for your situation.
| Loan Program | Down Payment | Requirements & Details |
|---|---|---|
| FHA | 3.5% down | Credit scores from 580. The most popular choice for first-time buyers. |
| Conventional | 3%–5% down | Strong credit; cancel mortgage insurance once you reach 20% equity. |
| VA | 0% down | Available for veterans and active-duty military service members. |
| Foreign National | 30% down | No Social Security number required or purchasing from outside the US. |
| Down Payment Assistance (DPA) | Up to $35,000+ | State and county programs (Florida Hometown Heroes, Miami-Dade DPA). |
Get Prequalified for Free
2 minutes · no obligation · zero credit score impact
See My Buying Power
5 Mistakes Angelica Sees Every Week
Service List
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House hunting before knowing your budget You fall in love with something out of reach, making everything else feel inadequate.List item 1
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Opening new lines of credit during the process A new car or credit card can derail your loan approval just days before closing.List item 2
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Overlooking closing costs and HOA fees A new car or credit card can derail your loan approval just days before closing.List item 3
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Waiving inspection to win the bid In Florida, roof, HVAC, and plumbing repairs will easily wipe out your perceived savings.List item 4
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Negotiating directly with the seller without your own representationThe seller's agent works exclusively to protect the seller's bottom line. Partnering with a dedicated buyer's broker ensures hidden property defects, costly repairs, and title issues are identified before you commit your money.
Free Guide: How to Buy Your First Home in Florida
Complete document checklist, closing cost breakdown, and vital questions for your lender.
