Days 1-15: Get Your Numbers Straight
The first step isn't house hunting, it's understanding your position. That means checking your credit, gathering your income and savings picture, and talking with a lender to get pre-approved. A pre-approval tells you your realistic price range and shows sellers you're serious. If your credit or savings need a little work, this is when you find out and make a simple plan.
Days 15-30: Explore Assistance & Loan Options
Many first-time buyers qualify for programs that lower the up-front cost of buying, first-time-buyer loans and down-payment-assistance options available in Miami-Dade. This is where the dream often becomes concrete: buyers routinely discover they need far less cash to close than they assumed. Susana helps you connect with lenders who know these programs well.
Days 30-60: Find the Right Home
With a pre-approval in hand, the search gets focused. We target the South Miami-Dade communities that fit your budget and life, attainable options in Homestead, Princeton, and West Kendall, or condos and townhomes in Kendall. You tour with honest guidance on each home, HOA, and neighborhood, and when you find the one, we write a strong, well-structured offer.
Days 60-90: Inspection, Financing & Closing
Once your offer is accepted, the final stretch is coordination: inspection, appraisal, finalizing your loan, and the closing paperwork. Susana keeps every deadline on track and explains each step in plain language. Around the 90-day mark, you're signing at the closing table and getting your keys.
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Frequently Asked Questions
Is 90 days realistic for buying a first home?
For many prepared buyers, yes. If your finances are in order and you get pre-approved early, roughly 90 days from first conversation to closing is a common timeline, though it varies with your situation and the market.
What if my credit needs improvement first?
Then the timeline may start earlier, with a simple plan to get mortgage-ready. Many buyers begin months in advance. Susana can help you understand exactly where you stand.
How much money do I need to get started?
Often less than expected. Between low-down-payment loans and assistance programs, the up-front amount can be modest. The first step is a conversation about your numbers and options.
Can you help me in Spanish?
Yes, Susana works with clients fully in both English and Spanish, from start to finish.