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Buyers
Buy with strategy, not stress
From the first search to keys in hand: a clear process, in your language, at your pace.
The process
Your path to the right home, step by step
- 01
Initial conversation
We define what you are looking for, your real budget, and your timeline. If you need pre-approval, we connect you with trusted lenders.
- 02
Personalized search
You receive properties that actually meet your criteria, with MLS alerts before they move off the market.
- 03
Showings and analysis
We tour the candidates together. Paola shows you what photos do not: real condition, comparables, and potential.
- 04
Offer and negotiation
A data-driven offer strategy. Every term — price, timelines, repairs — negotiated in your favor.
- 05
Inspection and closing
We coordinate inspections, insurance, and title. You reach closing with no surprises and the keys to your new home.
What closing actually costs
On top of the down payment, a financed buyer budgets 2%–5% of the price in closing costs. Paying cash drops that to 1%–2%, because the lender charges disappear.
| Line item | Financed (30% down) | Cash |
|---|---|---|
| Lender charges | $3,000–$4,500 | — |
| Doc stamps + intangible tax | $2,310 | — |
| Lender's title policy | $500–$900 | — |
| Appraisal, inspections, survey | $1,500–$2,100 | $900–$1,300 |
| Insurance + escrow deposits | $6,000–$10,000 | $6,000–$9,000 |
| Title, recording, misc. | $800–$1,200 | $800–$1,200 |
| Estimated total | $14,000–$21,000 | $8,000–$12,000 |
Tools
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Mortgage calculator
Estimate your monthly payment with taxes, insurance, and HOA included. A guide only — get a real pre-approval with a lender.
Estimated monthly payment
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Estimated calculation for informational purposes. Not a loan offer or pre-approval.
Frequently Asked Questions
How much do I need for a down payment?
It depends on the program: conventional loans from 3–5%, FHA from 3.5%, and foreign-buyer options with different requirements. On the first call we review what applies to you.
Can I buy without US credit history?
Yes, there are programs for foreign buyers and ITIN holders. Paola works with lenders who evaluate your full profile, not just a US credit score.
What does Paola's buyer service cost?
Buyer representation is discussed with full transparency from the start, including how compensation works in Florida. No surprises, no fine print.
How long does the buying process take?
With financing, a typical closing takes 30–45 days from accepted offer. Cash purchases can close in as little as two weeks.
Shall we start looking for your home?
Tell Paola what you are looking for and get a clear buying plan this week.
