Your First Home in Florida Deserves Someone on Your Side Every Step of the Way
Find out if you can buy, how much you need, and where to start.
Find out if you can buy, how much you need, and where to start.
You’ve been spending weeks searching for homes online, comparing prices, trying to figure out how financing works.
You want to make the right decision, but you’re not sure if the information you have is enough, if it’s accurate, or if there’s something important no one has told you.
If the first thing you did was search for homes online, you started at the end.
Has anyone asked what really matters to you before showing you a property? Or did they just show you options hoping one would stick?
We believe the best decisions don’t start with looking at homes, but with understanding the person who’s going to live in one. That’s why we give you clarity first and show you the right options after.
Buying doesn’t end when you choose a property. That’s when the real work begins.
Coordinating inspections. Reviewing contracts. Meeting every deadline. Managing financing. Following up with every party involved until closing.
One missed detail can cost you money, delay your purchase, or even make you lose the property.
We handle every step of the process so you can focus on making the decisions that matter.
The agent selling you the property works for the builder or the owner. They defend their interests, not yours. The same goes for the other participants: lenders, inspectors, appraisers. Each one answers to the company they represent.
Who helps you know if the price is fair? Who compares financing options for you? Who protects your deposit and makes sure you understand what you’re signing?
That’s what we do.
The good news:
Message us on WhatsApp and tell us what you’re looking for.
We analyze your situation and show you a clear picture of your options.
You decide if you want to move forward. No pressure, no commitment.
It’s that simple to start your home purchase in Florida, without affecting your credit and at no cost to you.
At this point you’re probably wondering how much it’s going to cost.
In a real estate transaction in Florida, the buyer’s advisor compensation is agreed upon as part of the offer negotiation.
This means that having professional representation does not increase the price you pay for your home.
Going without guidance when having it doesn’t cost you more simply doesn’t make sense.
But you don’t have to take our word for it.
Still have questions? We’ve already answered the most common ones.
We ask a few questions to understand what you’re looking for and where you stand right now. In just a few minutes we give you a clear picture: whether you can buy, how much you need, and what housing and financing options fit your situation. All of this without affecting your credit and at no cost. After that, you decide if you want to take the next step.
It depends on the type of loan. With an FHA loan, you can start with a down payment as low as 3.5% of the home’s price. In our advisory session we evaluate your specific situation to determine how much you need to save.
The minimum for an FHA loan is 580, but starting at 620 the conditions improve significantly — better rates and more financing options. In your advisory session we review your profile and show you what programs you qualify for.
You don’t need to be a citizen. If you have permanent residency or a work visa with a social security number, you can access financing. In your advisory session we review which options apply to your status.
A buyer’s advisor works exclusively for you — not for the seller or the builder. They help you understand your options, negotiate favorable terms, coordinate the process, and protect your deposit and your rights throughout the entire transaction.
Our guidance does not increase the cost of your purchase. The buyer’s advisor compensation is agreed upon as part of the offer negotiation, which means having professional representation does not increase the price you pay for your home.
From defining your financial plan to closing, the typical process takes between 45 and 90 days. But every case is different — in your advisory session we give you a personalized estimate based on your situation.
As a first-time buyer you can access FHA and conventional loans with significantly more favorable conditions than an investor: a down payment starting at 3.5% (vs. 20%-30% for investors), lower interest rates, and more flexible qualification criteria — credit score from 580 and debt ratio up to 50%. In your advisory session we evaluate exactly which programs you qualify for based on your profile.
Besides the purchase price, you should consider closing costs, taxes, insurance, inspection, and appraisal fees. In our advisory session we help you estimate those costs from the start so there are no surprises.
You can buy with an ITIN, but you don’t qualify for first-time buyer programs like FHA. Those programs require a social security number and an associated credit score. However, there are financing options for other profiles that we can evaluate with you.
If you’ve read this far, you probably want to know who you’d be working with.
Real Estate Consultant
Verónica is a licensed real estate professional in Florida with over 12 years of experience in residential, commercial, and investment properties.
She has guided dozens of Spanish-speaking families through the purchase of their first home in Florida, making sure they make sound real estate decisions.
Director of Strategy
Daniel is a licensed real estate professional in Florida with a Master’s degree in Finance and over 15 years of experience in financial analysis.
At High Living Miami he leads investment property analysis and the development of technology tools that enhance each client’s experience.
When you’re ready.
Tell us about your situation and in less than 5 minutes you’ll know the best path to buy your home in Florida.