Your First Home in Miami Starts Here

Yes, You Can Buy in Miami

Rents in Miami keep climbing, and every month you write that check you're paying someone's mortgage — just not your own. The biggest myth Jeniffer Guevara López hears from first-time buyers is that you need 20% down and perfect credit. You don't. Most of her first-time clients close with between 3% and 5% down, and many use assistance programs that cover part of it. What you actually need is a clear picture of your numbers and someone who will walk the road with you.

Programs Built for First-Time Buyers

• FHA loans: 3.5% down with credit scores from about 580, flexible debt guidelines, gift funds allowed. The workhorse of first-time buying in Hialeah, Westchester, Kendall, and Homestead.
• Conventional 97 / HomeReady® / Home Possible®: Conventional options with just 3% down and reduced mortgage insurance for moderate-income buyers.
• Down payment assistance: Florida offers programs — including Florida Housing options and the Hometown Heroes program for eligible frontline workers — that can provide thousands toward down payment and closing costs. Availability and funding change through the year; Jeniffer checks what's active when you apply.
• VA loans: if you've served, $0 down beats everything else.

The 6 Steps, in Order

1. Free consultation. A 20-minute call about income, savings, and goals. No credit pull required to start the conversation.
2. Pre-approval. Jeniffer reviews your documents and issues a letter showing sellers you're a real buyer — usually within one business day.
3. Shop with your realtor. You'll know your true budget, including taxes, insurance, and HOA — the numbers that surprise Miami first-timers most.
4. Offer and contract. Jeniffer updates your letter to match each offer so you never show your full hand.
5. Processing and underwriting. Appraisal, inspection, insurance. She keeps every party on schedule and you in the loop.
6. Closing day. Sign, get your keys, and stop paying your landlord's mortgage.

Not Ready Yet? That's a Plan, Not a No

If the numbers aren't there today, Jeniffer won't disappear on you. She'll show you exactly what's holding the file back — credit score, savings, or debt — and give you a concrete 3-, 6-, or 12-month game plan to fix it. Many of her closings started as "not yet" conversations a year earlier.

Where First-Time Buyers Are Finding Homes

Affordability moves around the county: Homestead and Florida City for new construction value, Hialeah for established neighborhoods close to family, Kendall for townhomes and schools. Wherever you're looking, start with the free quote form above or call (786) 479-3674 — hablamos español.

¿Primera vez comprando? Lea esta guía en español: Comprador de Primera Vivienda en Miami.