Step 1: Know Where You Stand
We begin with a relaxed, no-pressure conversation about your goals, your budget, and your credit. You'll leave that first talk understanding your realistic price range and what, if anything, to work on before you buy, no jargon, no judgment.
Step 2: Financing & Assistance Programs
This is where renting-to-owning often becomes real. I connect you with trusted local lenders and help you explore first-time-buyer loans and down-payment-assistance programs available in Miami-Dade. Many renters are surprised how much less they need up front than they assumed.
Step 3: Find & Tour the Right Homes
With a pre-approval in hand, we focus your search on the South Miami-Dade communities that fit your budget and life, Homestead, Princeton, West Kendall, Cutler Bay, and beyond. I give you an honest read on each home, HOA, and neighborhood so you choose with clear eyes.
Step 4: Offer, Close & Get Your Keys
When you find the one, I help you write a strong offer, then coordinate the inspection, appraisal, financing, and closing paperwork, explaining each step so nothing feels overwhelming. The finish line is the day you stop paying someone else's mortgage and start building your own.
Frequently Asked Questions
Does the program cost anything?
The guidance is simply how Susana works with first-time buyers. Compensation is discussed clearly and transparently up front, and buyer representation is often paid in ways your agent will explain before you commit to anything.
My credit isn’t perfect, can I still start?
Yes. Part of the program is understanding exactly where you stand and, if needed, a simple plan to get mortgage-ready. Many buyers start here months before they’re ready to purchase.
How much do I really need for a down payment?
Often less than people expect. Depending on the loan and any assistance programs you qualify for, the up-front amount can be much lower than a traditional 20 percent. Susana helps you explore your options.
Can we do the whole process in Spanish?
Absolutely. Susana works with clients fully in both English and Spanish, from the first conversation through closing day.