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Your Dream
Home Awaits.

Driven by a passion to help you with your specific needs!

Angel Benabe

  • Is Buying a House in Florida a Good Investment?
    Buying a house in Florida is always a good investment because there is always demand for homes in the Sunshine State. People choose to move and retire to Florida because of: - No state income tax - Low cost of living - Warmer temperatures and no snow - Home prices in Florida that hold their value more than the national average
  • What are the Requirements to Buy a House in Florida?
    There’s no real requirements to buy a house in Florida other than to make sure you meet the following parameters: - You want to have a credit score of 620 or higher to apply for a mortgage with a good interest rate. - Find a realtor you can trust. - Get mortgage pre-approval to make the process smoother. - Draw up a valid contract with a real estate agent.
  • Should I become pre-approved before looking at homes?
    The answer is YES! First and foremost, talking with a bank before looking at homes can help you understand exactly how much you can afford, saving time for everyone involved.
  • How much money will I have to come up with to buy a home?
    That depends on a number of factors, including the cost of the property and the type of mortgage you get. In general, you need to come up with enough money to cover three costs: earnest money - the deposit you make on the home when you submit your offer, to prove to the seller that you are serious about wanting to buy the house; the down payment, a percentage of the cost of the home that you must pay when you go to settlement; and closing costs, the costs associated with processing the paperwork to buy a house. Earnest Money - When you make an offer on a home, your real estate broker will put your earnest money into an escrow account. If the offer is accepted, your earnest money will be applied to the down payment or closing costs. If your offer is not accepted, your money will be returned to you. Down payment - The more money you can put into your down payment, the lower your mortgage payments will be. Some types of loans require 5-20% of the purchase price. That's why many first-time homebuyers turn to FHA for help. FHA loans require only 3.5% down Closing costs - which you will pay at settlement - average 3-4% of the price of your home. These costs cover various fees your lender charges and other processing expenses. When you apply for your loan, your lender will give you an estimate of the closing costs, so you won't be caught by surprise.
  • When I find a home how much should I offer?
    There are several things you should consider: 1) Is the asking price in line with prices of similar homes in the area? 2) Is the home in good condition or will you have to spend a substantial amount of money making it the way you want? You probably want to get a professional home inspection before you make your offer. We can help you arrange one! 3) How long has the home been on the market? If it has been for sale for a while, the seller may be more eager to accept a lower offer. 4) How much mortgage will be required? Make sure you really can afford the offer you make. 5) How much do you really want the home? The closer you are to the asking price, the more likely your offer will be accepted. In some cases, you may even want to offer more than the asking price, if you know you are competing with others for the house.
  • How much will my homeowner's insurance be?
    The rates for homeowner's insurance in Florida are some of the highest in the Nation. It varies significantly from property to property. Also the type of construction, shape of the roof, how the roof is secured, age of the home, value of the home, etc can all have a bearing on insurance costs. An insurance agent can give you a quote based on the property address in about 30 minutes or less. We would be happy to give you a list of some great local real estate insurance agents that could give you a quote.
  • Your offer is accepted! What Now?
    The first thing to do is call your family, friends, co-workers and tell them! Don’t forget to tell them about how awesome we are to work with! The first person that will need to get started is your real estate lender. You would have already sent in some paperwork to get a pre-approval now you provide additional supporting documents. These documents normally include 2 years tax returns, 30 days of paystubs, and 2 months bank statements among other things. It is very important to get these documents to your lender quickly. After this information is sent in things will get quiet for a little while. No need to panic! The underwriter will be reviewing these documents to come up with a conditional approval. A conditional approval means that you are approved but with conditions that need to be met before you are fully approved. Again, submit these documents as quickly as you can. There will be times of silence and that is not necessarily a bad thing, just part of the process. For a cash transaction you can expect to wait a week or two until closing, Conventional loans should get accomplished in 30 days, and Government loan programs like FHA and USDA can be from 45-60 days, sometimes longer.
  • Is there a “best time” to sell my house?
    It may depend on the state or particular area the home is located in. Fortunately, real estate within South Florida appears to be selling consistently throughout the year. We can provide a local market activity report for your review.
  • How to prepare my home to show and sell?
    By preparing your home to “show and sell” you will increase your chances for selling early on. A few basics in preparing your home are: 1. Declutter and depersonalize to allow potential buyers to envision what their belongings will look like in the home. You want a buyer to make your home their home visually. 2. Clean windows, paint walls, patch holes, repair plumbing leaks. 3. Stage your home to appeal and compete with other homes on the market. 4. Air out your home if you own a pet(s) or smoke. A scent or odor that is not appealing to a buyer can cause you to lose a potential buyer. 4. Vacate the property when and if it’s being show to prospective buyers. Buyers want to feel as if they can move about the home and talk openly.
  • Can you sell my home or do you only work with buyers?
    Absolutely! We have extensive experience and strong local market knowledge. We will help you properly price your Florida property for the quickest sale at the best price.
  • What are standard seller closing costs in Florida?
    1. Title search charges and seller’s attorneys’ fees 2. Documentary stamp taxes and surtax on deed, if any 3. HOA/Condominium Association estoppel fees & seller attorney’s fees 4. Owner’s Policy and Charges / Recording & other fees needed to cure title and title search charges 5. Realtor’s commission or fee
  • How do you determine your offer price?
    First we take a look at what other comparable homes in the area are selling for. We will then take into consideration the condition of the house and the cost of repairs. We will come up with an offer that is fair, giving you a solution to your troublesome property in only a matter of days. Each offer we make is unique to the house we are looking at. We do not make blanket offers.
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