From first consultation to keys, I help you understand the market, compare options, structure a competitive offer, and protect your interests.
Area orientation, commute planning, community comparisons, and virtual support for out-of-state buyers.
Guidance informed by firsthand military experience, including PCS timelines and VA-focused purchase considerations.
Plain-language education about financing, inspections, contingencies, closing costs, and ownership readiness.
What to expect from the first conversation to closing day — and the Florida-specific details that matter.
Meet with a lender to confirm your price range, loan type, and comfortable monthly payment. A pre-approval letter signals to sellers that you’re serious. Budget for the down payment plus closing costs (often about 2–5% of the price in Florida) and a cash reserve. VA-eligible? As an Air Force veteran, Carlos can connect you with VA-savvy lenders.
List your must-haves — location, size, commute, features — versus nice-to-haves. Carlos sets up a live Stellar MLS search matched to your criteria so the right homes reach you first, including new listings the moment they hit the market.
Visit candidates and compare recent sales, condition, HOA or CDD fees, insurance, and flood-zone status. In Florida, insurance cost and flood zone can meaningfully affect your budget, so it’s worth checking early.
Carlos prepares a comparative market analysis and an offer strategy — price, earnest money deposit, contingencies for financing, inspection, and appraisal, and realistic timelines — then negotiates on your behalf.
Once your offer is accepted, the timeline begins. Schedule a home inspection plus Florida-specific checks such as wind-mitigation and four-point inspections, a WDO (termite) inspection, and a look at roof age. Review the survey, HOA or condo documents, and gather insurance quotes.
Your lender orders the appraisal and works through underwriting while a title company runs the title search and issues title insurance. Bind your homeowners policy — and flood coverage if needed — before closing.
Review your Closing Disclosure, complete a final walkthrough, then sign at the title company, deliver cleared funds, and receive your keys. Florida closings are typically handled by a title company or a real estate attorney.
If the home is your primary residence, file for Florida’s homestead exemption (generally by March 1) to reduce your property taxes, and keep your closing documents for your records.