I am proud to be an agent of Engel & Völkers Islamorada, the most trusted and respected international real estate firm in the Florida Keys. A REALTOR® who is associated with a top-tier international real estate firm and is deeply committed to making your transaction successful.
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It’s important to engage a professional REALTOR® with deep market knowledge and local business contacts. In a maze of choices and forms, financing, inspections, marketing, pricing and negotiating, it makes sense to work with someone who really knows the community. In other words, no two transactions are alike.
Homes differ and so do contract terms, financing options, inspection requirements and closing costs. Even two identical models on the same street are never exactly alike. You’ll Need a Professional to Help – A REALTOR®Īll properties are unique. Saving money and preserving or improving your credit history are essential elements. While loan programs are available with low down payments of 3.5 to 5 percent, and a few programs offer no down payment at all, you’ll still need some savings to pay for closing costs and moving expenses, a deposit on a home and cash reserves after you buy. Some lenders have stricter guidelines, so the lower your debt-to-income ratio, the better your chances of a loan approval. To qualify for a mortgage loan, you’ll need good credit, a pattern of paying your bills on time and saving money and a maximum debt-to-income ratio (your gross monthly income compared to the minimum payments on all recurring debts) of 43 percent. Over time, home ownership in the Florida Keys has generally proven to be a serious wealth builder.
The more you understand about our community and neighborhoods, the easier it will be for you to make decisions. Purchasing a home in the Florida Keys is an exciting lifestyle choice. Whether you’re becoming a homeowner for the first time or you’re a repeat buyer, buying a home is a financial and emotional decision that requires the experience and support of a team of reliable professionals including a lender, a lawyer, inspectors and, of course, a REALTOR®. How Exciting!īuying Islamorada homes for sale requires thoughtful planning and decision making.
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