Financing
The part that stalls most deals
Getting a loan is the slowest, most paperwork-heavy piece of buying a home, and it is where deals fall apart. Jenny Perez at Blue Harbor Lending works alongside this team so that your financing moves at the same speed as your search.
Our lending partner
Blue Harbor Lending
Jenny Perez is our mortgage broker and has worked with this team and its clients for years. She will tell you what you qualify for before you fall in love with something you don't.
Jenny Perez
Run the numbers
Miami mortgage calculator
Principal and interest is the number people quote. In Miami, taxes, insurance, and HOA dues are what actually decide whether you can afford a place — so this includes all of them.
$550,000
20% down
Miami-Dade effective rates commonly land near 2% of value per year. Confirm the actual figure for any specific property.
Florida premiums are high and vary enormously by roof age, elevation, and flood zone. Treat this as a placeholder until you have a real quote.
Monthly. Condos in Miami frequently carry special assessments on top of this — always ask.
Estimated monthly payment
$4,098
- Principal & interest
- $2,781
- Property tax
- $917
- Home insurance
- $400
- HOA dues
- $0
- Loan amount
- $440,000
An estimate for planning only. Not a loan offer, a rate quote, or a commitment to lend. Actual figures depend on your credit, the property, and current rates.
Get pre-approved before you look.
It costs nothing, it takes a couple of days, and in this market an offer without it does not get read.