Miami Lakes' mortgage lender for business owners and move-up buyers.

Yes — and it's one of the most common situations I handle here. If your tax returns are optimized for taxes rather than for qualifying, a bank statement loan documents your income from 12 or 24 months of deposits instead. You'll need two years of self-employment history and solid credit; send me your statements and I'll pre-review before we apply.

It holds value well for a specific reason: it's a planned town with mature landscaping, a real town center, and strong owner-occupancy — which keeps inventory tight. That's good for long-term owners and harder on buyers hunting a bargain. The buying decision should rest on your timeline, not on a market call.

Conventional starts at 5%, FHA at 3.5%, VA at 0% for eligible veterans, and bank statement loans for the self-employed can go as low as 10% down for well-qualified buyers. Which fits depends on your credit, income documentation, and the property.

Yes — that's the standard Miami Lakes move-up scenario. The two closings have to be sequenced carefully, and when they can't line up, bridge financing can cover the gap. Talk to me before you list, not after you're under contract on both.

Completamente — la consulta, el análisis de sus ingresos, los documentos y el cierre. Muchos de mis clientes en Miami Lakes son dueños de negocio hispanos, y entender cada término de su hipoteca no debería depender del idioma.