CALL US
+4076997718OPENING TIME
Mon-Fri:10.00 - 18:00
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CALL US
+4076997718OPENING TIME
Mon-Fri:10.00 - 18:00
EMAIL US
[email protected]HABLAMOS
Español / Português
International Professional Realty, Inc was founded in the spring of 2007 on a single guiding principle, to build a team where a group of like-minded individuals could come together, share resources, grow, support, and compete together in the most dominant and competitive market in the world and rise together.
We continue contributing with the community through food banks, Today, the company has 40 highly qualified agents, ready to help, support and empower families. We know that having a good home is central to every family's wellbeing. We're grateful to be a part of helping that piece come together for so many families, year after year.
International Professional Realty. The company you can trust.
It's our job to guide you through the process of home buying or selling. Whether you're a first-time buyer or repeat buyer you, we can help you with some answers to the questions that come up most often.
First, you need to know how much you can borrow, prevent wasting time considering homes that are not within your budget.
Second, the loan estimate from your lender will show how much money is required for the down payment and closing costs.
Finally, being pre-approved for a mortgage demonstrates that you are a serious buyer to both your real estate agent and the person selling their home.
Once a home is selected the offer is accepted, the average time to complete the escrow period on a home is 30 to 45 days (under normal market conditions).
Though, well-prepared home buyers who pay cash have been known to purchase properties faster than that.
For most home sales, there are two real estate agents involved in the deal: one that represents the seller and another who represents the buyer.
Listing brokers represent sellers and charge a fee to represent them and market the property.
Agents who represent buyers are compensated by the listing broker. When the home is sold, the listing broker splits the listing fee with the buyer's agent. Thus, buyers don't pay their agents.
Most loan programs require a FICO score of 620 or better. Borrowers with higher credit scores represent less risk to the lender, often resulting in a lower down payment requirement and better interest rate. Conversely, home shoppers with lower credit scores may need to bring more money to the table (or accept a higher interest rate) to offset the lender's risk.
While the broad down payment average is 11%, first time homebuyers usually only put down 3 to 5% on a home. That's because several first-time home buyer programs don't require big down payments.
Some programs require even less. VA loans and USDA loans can be made with zero down.
Some newer conventional loan programs are available with 3% down if the borrower carries private mortgage insurance (PMI).
Some home buyers decide to turn their current home into an investment property, renting it out. In that case, the current home will not need to be sold. However, your loan advisor will still need to evaluate your risk profile and credit history to determine whether making a loan on a new home is the best way.
