How do I know what my home is worth?

Start with a Comparative Market Analysis (CMA). I evaluate your location, condition, recent sales, and upgrades to give you an accurate range.

Can I sell my home and stay for a while after closing?

Yes. I often negotiate flexible move-out dates so you can sell now and move later.

What if my home needs repairs?

You can sell as-is, or I can help you decide what’s worth fixing to increase your net proceeds.

Do I need to sign a long listing contract?

Not necessarily. I offer flexible listing agreements based on your goals and timeline.

What’s the fastest way to get a real offer?

Contact me via WhatsApp. I can provide a cash offer within 48 hours, with inspection contingency.

Can foreigners buy property in Florida?

Yes. There are no restrictions on foreign nationals purchasing real estate in Florida.

Can I get a mortgage as a foreign buyer?

Yes, but most lenders require a 30–50% down payment and may ask for international references.

Will I pay extra taxes as a foreign owner?

Possibly. You may be subject to FIRPTA and must file annual U.S. tax returns.

Do I need to be in the U.S. to buy?

No. You can purchase remotely through a real estate agent, attorney, or POA.

Should I buy as an individual or under a company?

It depends. Buying through an LLC or trust may offer tax and liability advantages.

The Truth About Rate Locks: What Every Buyer Should Know

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The Truth About Rate Locks: What Every Buyer Should Know

Can a lender raise the rate if the buyer has a Good Faith Estimate (GFE)?

No — if the interest rate is locked, the lender must honor it unless there’s a valid “changed circumstance” under RESPA. These include changes in credit, income, loan amount, property value, or delays caused by the buyer. Without those, the lender cannot raise the rate after a locked GFE.

What if the rate isn’t locked?

Then the rate can still float, and the lender may change it until the buyer chooses to lock it. In that case, a revised GFE should be issued if terms change.

Can the buyer get a lower rate if rates drop after locking?

Not automatically. A locked rate is fixed unless the lender offers a “float-down” option — a one-time opportunity to switch to a lower rate during the lock period. It usually requires specific conditions and may involve a fee. Buyers should always ask about this in advance and get it in writing.

Key Takeaway: Locking your rate gives you protection, but it’s not a guarantee that you’ll benefit from market drops — unless you have the float-down feature. Talk to your lender and understand your options before locking in.