Welcome to Florida Homes & Mortgage. Are you seriously thinking about buying, selling, we have thousands of houses and apartments to show, certainly now is the best time to buy. We offer a unique lending experience 25+ years experience in the mortgage industry, Are you considering buying or refinancing your home? If so, then you are in the right place! Easy process. Quick approvals. Exceptional service. We will provide the highest level of expertise to quickly guide you through the entire process of finding the best mortgage loan. Our goal is to help families like yours save money on your mortgage. Refinance your mortgage for a lower rate, access cash or lock in a low rate, We work with thousands of the nation's top banks, credit unions, We will make your life easier Whether buying or refinancing, our customers save thousands over the life of their loan. We work for your best interest. thank you and congratulations !!!!
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Welcome to Florida Homes & Mortgage

Florida #1 Prestamos Hipotecarios, Casas de Nueva Construccion, Bienes Raices, Apartamentos

Welcome to Florida new homes and Approved Mortgage in Florida. in this site you will find useful resources designed to help you in your journey toward becoming a better investor. i have helped lot families like yours in buying, selling or their homes in Florida.

We know it is a big investment, both emotionally and financially. along with a substantial financial commitment, such transactions usually involve risks, and legal considerations.

You will need of a proven best real estate and mortgage professional.with 25 years of experience I understand the importance of trust and respect between families. I extend those qualities to each of my clients every member of your family will be treated with honor and respect.

Florida State law prohibits Broker from representing Buyer as a client without first entering into a written agreement with Buyer.

Buying a home is hard work. To buy a house you have to sort through listings, arrange for private viewings, compare your options, negotiate, and then work from contract to closing. All of this takes time and requires specialized skills if you want to get the best deal possible.

If you've recently wondered, "how do I find the best real estate agent near me?" you've come to the right place. When seeking out a real estate agent, first consider this: Did you know that many real estate agents represent the buyer AND the seller? And if you’re buying a home, that’s not good for you I guaranteed to represent only you in the transaction.

That's why hiring it's so important to hire an EXCLUSIVE BUYER AGENT, one who works only with buyers, knows the whole process back to front, and owes their loyalty to you. They can speed up the whole process, give you straight answers and help iron out any roadblocks.

If you want the best service possible then you should consider hiring one of, one who works only with buyers, knows the whole process back to front, and owes their loyalty to you.

One of the first things you'll be asked to do when meeting a BUYER'S AGENT is to sign an exclusive agreement. Paperwork and contracts are highly important in the real estate world, so you'll want to know what exactly this agreement is.

Signing a buyer representation agreement is like guaranteeing the real estate agent will follow a code of ethics. It means they won’t be dealing with both buyers and sellers, but they will be working just for you.

New Construction Buyer Representation
Best Choice Buying New Construction Homes

There are many benefits to choosing new construction homes over resale homes including not having to renovate, redecorate or deal with plumbing, electrical or AC issues once you move into your new home.

You start fresh with new construction, designing it just the way you want it and with the latest and greatest technology and energy efficiency. Your new home will also come with a home warranty to protect against any unexpected issues also builders will often include closing costs or design incentives and upgrades.

Congratulations!! We work for Buyers FREE at ZERO COST

If You are thinking in buying a new construction home we can save you thousands of dollars and headaches all for FREE at ZERO COST to the buyer.

Buyers: Beware!

Never ever buy a New Home from a Builder without Broker Representation

Buying home alone, direct from the builder will cost you thousands of dollars, before you does you need to know this problems. click here

Be Smart Remember We Work for You FREE at ZERO COST

I can assure you that purchasing a builders home does not usually turn out to be a walk in the park for most buyers Although there are cases where things do go smoothly, my experience has been that when a knowledgeable Buyer's Broker is not involved, there is a high probably that a buyer will close at least somewhat dissatisfied.

The primary reasons for this are:

The buyers expectation levels are set incorrectly, builders, like resale sellers, are more interested in maximizing their profit than protecting the buyers interest, buyer and seller negotiate directly and the buyer is nearly always at a disadvantage (these people are pros),

The buyer is unaware off how the new home buying process really works,the buyer is unaware of the common pitfalls and traps that are routine in the builder business,

The buyer does not have the background in real estate contract law to always interpret contracts correctly.

When added together, all of the above issues can weigh in heavily against a buyer experiencing a hassle-free process.

Since nearly all home builders build in a real estate marketing fee into their property prices, there no need to risk a nightmare experience or worse, buying a lemon. Bottom line: get a Buyers Broker save $$ and rest easy. It's Free.

Benefits of Using a Buyer Broker

There are no additional costs involved for you to have an Exclusive Buyer Representation represent you when working with a builder. Since the builder cannot give you any cash back (because you are not licensed as a real estate agent) the marketing fees that the builder puts into his budget for buyer brokers will be lost if you do not take advantage of it.

Almost every builder builds this fee into his marketing budget to pay for real estate agents to help protect the buyer's interest when dealing with the builder. Why go it alone when you can have an advocate watching out for you?

Knowledge and history of various home developments help match the buyer with the right community. 

Knowledge of builders' latest pricing strategies helps buyers determine the best negotiating strategy.

Knowledge of other builders of equal and greater quality help buyers get the best builder property for the money. 

Knowledge of builders' reputations regarding quality, follow- up, warranty, and financial stability, help prevent problems after the sale is closed. 

In many cases, lower prices or other concessions are offered to buyers with buyer agents, as builders consider these agents as "multiple sources of buyers Individual buyers buy only one home; buyer agents bring in many buyers. 

Be sure, to use only Exclusive Buyer Broker's who can help buyers with both new construction and existing homes. So-called new home specialists often do not have access to or knowledge of existing homes and may have monetary relationships with new construction and/or custome builders, which can cost you thousands

We Work With the Best Builders in Florida

Unhappy buyers of new homes testified to a House subcommittee Wednesday about how they unknowingly signed sales contracts that prevent them from suing a builder for faulty construction.

New home construction contracts often have a clause saying that any disputes would be settled through binding arbitration. Public Citizen, a consumer advocacy group, published a report claiming its research shows that the costs of arbitration, which are usually shared by both parties, are often so high that it's not worth it for consumers to pursue a claim. Another problem with arbitration is that it is not open to the public, making it difficult for consumers to find out a builder's track record.

Note: Don't risk this happening to you! Call me before even looking. I have years of new home builder experience.

We Have Worked For Many New Home Builders

Still think you can do better on your own without some expert watching out for you?

Conclusion Buying a house or condominium is a major personal purchase as well as a long-term investment. Never buy without a professional representation Call Miguel Now The Cost is FREE.

Check your credit report before you buy a home and get pre-approved

Checking your credit when buying a home, one of the first things you should do is check your credit report and score. your credit score is probably the most important piece of information a lender considers when deciding on your interest rate, so you want to be sure that everything on your credit report is correct, mistakes can hurt your credit score,

Increasing your rate and monthly payment. you will need to get pre-approved letter for a mortgage before hunting for the home you want to buy.

Click here to start with credit score

Shopping for a home without mortgage pre-approval

Is kind of like shopping for clothes without knowing how much money is in your wallet. the best way to know how much you can afford to spend on a home is to get pre-approved for a mortgage and then look for a home that the mortgage amount will cover.

Being pre-approved for a mortgage

may also give you a market edge when a home buying. if a seller has two buyers interested in purchasing the home at the same price and only one already has mortgage pre-approval,the one who is pre-approved is much more likely to get the home. Apply Here now...

The next step is up to you

I'd suggest sending me an application mortgage to be approved apply for mortgage click here or giving me a call and we'll see what can be done. even if your lease isn't up yet, we should still get the ball rolling, because we may have some credit work to do, and that could take 3 months or more. if you're not ready to talk yet, but would like to be kept up to date with the real estate market,then sign up for my email newsletter.

Either way, do something. don't pay another dollar in homes-apartments! click here now to see how much you could save buying and owning your home.

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