AP
Aurelia Perez · Realtor & Civil Engineer
Free Guide · Buyers
What Smart Buyers Know That Others Don't
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aureliadperez@gmail.com · (786) 915-0780
AP
The New Era of Real Estate
A Luxury Real Estate Guide · Una Guía de Bienes Raíces de Lujo
What Smart
Buyers Know
That Others
Don't
The insider guide to buying smart in South Florida
La guía para comprar con ventaja en South Florida
Aurelia Perez
Licensed Realtor · Miami-Dade & Broward County, FL
aureliadperez@gmail.com  ·  (786) 915-0780
Aurelia Perez
Miami & Broward County
South Florida
Real Estate
Since 2001
$620K
Median Price
Miami-Dade 2024
$485K
Median Price
Broward Co. 2024
+7%
Annual Appreciation
South Florida
Top 5
Most Desired
U.S. Markets
Welcome · Bienvenido
A Message
From Aurelia
Un Mensaje de Aurelia
English

Purchasing your first home is not simply a transaction — it is the beginning of a new chapter. In South Florida's dynamic market, knowledge is your most powerful asset.

This guide was crafted to give you a clear, confident path from first steps to final keys. Whether you're drawn to the energy of Miami or the sophisticated communities of Broward County, I am here to ensure your journey is seamless, smart, and extraordinary.

Español

Comprar su primera casa no es simplemente una transacción — es el comienzo de un nuevo capítulo. En el dinámico mercado del Sur de la Florida, el conocimiento es su activo más poderoso.

Esta guía fue creada para brindarle un camino claro y seguro. Ya sea que se sienta atraído por Miami o las comunidades de Broward County, estoy aquí para asegurar que su viaje sea fluido e inolvidable.

Aurelia Perez

"Real estate is not just about property. It's about building a life you love, in a place where you truly belong."
— Aurelia Perez, Licensed Realtor

01
Chapter One · Capítulo Uno
Build Your Financial Foundation
Construya Su Base Financiera
Credit Score Guide · Guía de Puntaje de Crédito
760+
Elite — Best rates
680–759
Excellent — Most loans
620–679
Good — FHA recommended
Below 620
Improve before applying
Tips to Boost Your Score · Mejore su Crédito
  • Pay all bills on time — always · Pague a tiempo, siempre
  • Keep card balances below 30% · Saldo bajo el 30% del límite
  • No new accounts 6 months before applying · No abra cuentas nuevas
  • Dispute any errors on your report · Dispute errores en su historial

Before you fall in love with a property, fall in love with your finances. Understanding where you stand gives you the power to negotiate, move quickly, and choose with confidence.

Antes de enamorarse de una propiedad, enamórese de sus finanzas. Entender su situación le da el poder de negociar y actuar con confianza.

How Much to Save · ¿Cuánto Ahorrar?
3.5%
Min Down
Payment FHA
5%
Closing
Costs Max
6mo
Cash
Reserve
Pro Tip from Aurelia

"Don't fall in love with a house before you know your budget. Get pre-approved first — it saves heartbreak and time."

Aurelia Perez · Realtor
The New Era of Real Estate
"In South Florida, the buyers who win are the ones who arrive prepared. Pre-approval is not optional — it is your competitive edge." — Aurelia Perez
02
Chapter Two · Capítulo Dos
Get Pre-Approved & Choose Your Loan
Obtenga su Pre-Aprobación y Elija su Préstamo
English

Pre-approval is your golden ticket in a competitive market. It signals to sellers that you are a serious, financially qualified buyer — and it determines who wins the home.

Documents You'll Need
📄
Last 2 years of tax returns (W-2s or 1099s)
🏦
Last 2 months of bank statements
💵
Most recent pay stubs (last 30 days)
🪪
Government-issued photo ID
📊
Proof of additional income or assets
📋
Employment verification letter
Español

La pre-aprobación es su pasaporte dorado en el competitivo mercado del Sur de la Florida. Indica a los vendedores que usted es serio y calificado — y frecuentemente determina quién se queda con la propiedad.

Documentos Necesarios
  • Últimas 2 declaraciones de impuestos (W-2 o 1099)
  • Últimos 2 estados de cuenta bancarios
  • Talonarios de pago recientes (últimos 30 días)
  • Identificación oficial con foto vigente
  • Prueba de ingresos o activos adicionales
  • Carta de verificación de empleo
Loan Types · Tipos de Préstamo
FHA
FHA Loan
Préstamo FHA
3.5% down payment
Credit score 580+
Best for first-time buyers

3.5% pago inicial
Crédito 580+
Ideal para primeros compradores
CV
Conventional
Convencional
3–20% down payment
Credit score 620+
No MI with 20% down

3–20% inicial · Crédito 620+
Sin seguro con 20% de entrada
VA
VA Loan
Préstamo VA
0% down payment
Veterans & active military
No mortgage insurance

0% inicial · Solo veteranos
Sin seguro hipotecario
US
USDA Loan
Préstamo USDA
0% down payment
Rural eligible areas
Income limits apply

0% inicial · Zonas rurales
Límite de ingresos aplica
Aurelia Perez · Realtor
aureliadperez@gmail.com · (786) 915-0780
Chapter Three · Capítulo Tres

Find Your
Perfect
Neighborhood

Encuentre su Vecindario Ideal

Miami-Dade & Broward County
Area Best For Price Range Vibe
WestonLuxury gated families$600K–$1.5M+Prestige
Coral SpringsTop schools, families$450K–$700KCommunity
Brickell / MiamiUrban, luxury condos$500K–$3M+Cosmopolitan
HollywoodBeach lifestyle$350K–$700KRelaxed
Pembroke PinesAmenities, families$380K–$600KBalanced
DoralBilingual, growth$450K–$800KDynamic
What to Evaluate · Qué Evaluar
  • School ratings (GreatSchools.org)
  • HOA fees and restrictions
  • Flood zone classification
  • Calificación de escuelas
  • Cuotas del HOA
  • Zona de inundación
04
Chapter Four · Capítulo Cuatro
The Home Buying Process
El Proceso de Compra — Paso a Paso
STEP 01
Financial Prep
Preparación
Credit, savings & debt ratio. Crédito, ahorros y ratio de deuda.
STEP 02
Pre-Approval
Pre-Aprobación
Know your exact budget before you fall in love. Conozca su presupuesto.
STEP 03
Home Search
Búsqueda
Tour properties. Define must-haves vs. nice-to-haves. Defina prioridades.
STEP 04
Make an Offer
Oferta
Strategic price + earnest money. Speed and clarity win. La rapidez gana.
STEP 05
Inspection
Inspección
4-point · WDO · wind mitigation. Never skip this. Nunca omita este paso.
STEP 06
Closing Day
Día de Cierre
Sign · transfer · receive your keys. Firme y reciba sus llaves. 🗝️
Week 1–2
  • Loan application submitted
  • Home inspection completed
  • Title search ordered
Week 2–3
  • Appraisal completed
  • Negotiate any repairs
  • Homeowner's insurance bound
Week 3–4
  • Loan underwriting complete
  • Clear to close received
  • Final walkthrough & closing
30
Days Avg
to Close
1–3%
Earnest Money
Deposit
2–5%
Closing
Costs
$50K
Homestead
Exemption
Aurelia Perez · Realtor
The New Era of Real Estate
05
Chapter Five · Capítulo Cinco
Florida — What Every Buyer Must Know
Lo que Todo Comprador en Florida Debe Saber
01
🏠
Homestead Exemption
Exención de Homestead

Apply within your first year of ownership. Reduces your assessed value by up to $50,000 — saving you hundreds annually on property taxes.

Aplique dentro del primer año. Reduce su valor tasado hasta $50,000 — ahorrándole cientos anuales en impuestos.

Up to $50,000 off
02
🌊
Flood Insurance
Seguro de Inundación

Required in many South Florida areas. Always get a flood certification before closing. Budget accordingly.

Requerido en muchas zonas. Obtenga una certificación de inundación antes del cierre.

$800–$2,000 / yr
03
🛡️
Property Insurance
Seguro de Propiedad

Florida insurance is among the most expensive in the U.S. Get quotes early — it can affect your loan approval. Wind mitigation reports reduce your premium.

El seguro en Florida es de los más costosos. Cotice temprano — puede afectar su aprobación.

04
🏘️
HOA Rules
Reglas del HOA

Read every HOA document before closing. Rules on rentals, renovations, pets, and parking can significantly impact your lifestyle and investment value.

Lea todos los documentos del HOA antes del cierre. Las reglas sobre alquileres y renovaciones son críticas.

Aurelia Perez · Realtor
aureliadperez@gmail.com · (786) 915-0780
Your Next Step · Su Próximo Paso
Ready to Find
Your Dream
Home?
¿Lista para Encontrar
el Hogar de sus Sueños?
Call · Llame
(786) 915-0780
Email · Correo
aureliadperez@gmail.com
Service Area · Área de Servicio
Miami-Dade & Broward County, FL
Aurelia Perez
AP
The New Era of Real Estate

"Your success is my mission. Let's find the home where your next chapter begins."

"Su éxito es mi misión. Encontremos juntos el hogar donde comienza su próximo capítulo."

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