We pair you with a dedicated realtor and mortgage lender who work together from day one. One team, one plan, and a clear path to your first home.
Most first-time buyers end up juggling calls between strangers. We built Society Homes so that never happens.
Most first-time buyers end up juggling calls between strangers. We built Society Homes so that never happens.
We explain everything in terms that actually make sense. You will always know what is happening, what comes next, and exactly what you need to do.
This is not a service designed for investors or people buying their fifth property. Everything we do is built around people buying their first home.
Carolina is a Miami real estate professional who blends market expertise with a deep understanding of what makes South Florida living special.
Here is exactly what happens after you reach out.
Fill out a quick form. We will ask about your budget, timeline, and what you are looking for. No commitment required.
Your agent searches, schedules tours, and negotiates. Because they know your budget, you only see homes you can actually buy.
Your realtor and mortgage broker coordinate the final details. You show up, sign, and get the keys. That is it.
It depends on the loan type. FHA loans require 3.5% down, Conventional loans as low as 3%, and VA or USDA loans require zero down. On a $400,000 home, that could be as little as $12,000 to $14,000, and Florida assistance programs can bring that number much lower. Many of our first-time buyers close with less than $5,000 out of pocket.
FHA loans accept scores as low as 580. Conventional loans typically need 620 or higher. VA loans have no official minimum from the VA, though most lenders look for 580 to 620. If your score needs work, our mortgage team can suggest steps that often improve scores within 60 to 90 days.
Pre-approval usually takes one to three business days. Finding a home depends on the market and your preferences, but typically a few weeks to a couple of months. Once your offer is accepted, closing takes about 30 to 45 days. Because your realtor and mortgage broker are already working together, things tend to move faster.
Yes. Student loans do not disqualify you. Lenders look at your debt-to-income ratio, which measures your total monthly payments against your income. As long as your combined debts stay within acceptable limits (usually 43% to 50% depending on the program), you can qualify.
In most cases, the seller pays the buyer’s agent commission, so working with a realtor costs you nothing out of pocket. Your agent is there to represent your interests, negotiate on your behalf, and make sure you are getting a fair deal.
No obligation, no pressure. Just fill out a quick form and our team will reach out with your options.
