May Galan Miami Real Estate

Are you considering selling but aren’t quite sure? Reach out and get a free market analysis to know how your home compares in today’s market!

Rain or shine but this open house is happening. Bring your umbrella. ☔️

Are you considering selling but aren’t quite sure? Reach out and get a free market analysis to know how your home compares in today’s market!

🔥Just Listed 🔥Westchester corner home with pool. 3 bedroom 2 bath, new roof, impact windows and doors, remodeled kitchen, and so much more. Call or text for an appointment. Open house Saturday 10-1.

My specialty: helping you find your dream home. I Love my clients, thank you for putting your trust in me!

Have you ever heard the term PMI when it comes to mortgages? Here is a great term to know when it comes to financing a home.

Private Mortgage Insurance ( PMI) is an insurance premium that the buyer pays to the lender in order to protect the lender from default on the mortgage. These insurance payments typically end once the buyer builds up 20% equity in a home.

Hey you ! 👋 Did you know that your ‘Debt To Income Ratio’ is almost as important as your Credit Check..?! 😲

But don’t worry, because I’ve got you covered by sharing my best tips and tricks to make that house of your dreams a reality. 🏡❤️‍🔥 In fact, when it comes down to it, almost everything can be solved by simplifying the complex.

First, start by adding up your bills and all other monthly debt.✔️

Next, divide that total by your gross monthly income.✔️

This result is your ‘Debt To Income Ratio’ ✔️

Know It, Adjust It, and Never again be bound by it!

For every journey, there is a guide.

With over 3 million licensed realtors in the U.S., finding a real estate agent isn’t hard. ✔️✔️ But finding one that you can vibe with? It can be a challenge. 🤔

Working with an agent who is experienced and trustworthy is paramount in ensuring your property sells at top dollar, or that you buy for the best price on the market. 📈🏠

Think of your agent as a therapist/consultant for your home search. Someone who is not just motivated by money but invested in your happiness. 🙋‍♀️

A matchmaker to help you find and fall in love with your new home. 💖💖

To find this match made in heaven between you & your realtor it’s important to ask the right question:

✔️ Do you work with both buyers and sellers?
✔️ What areas are you familiar with?
✔️ Will I be working with you individually or with a team?
✔️ Do you have recommendations for lenders?
✔️ How do you help buyers compete in this market?
✔️ What is your availability?

I’d be happy to answer any questions you have while you start this exciting new chapter. Feel free to DM me or leave your question in the comments below. 👇👇

What an amazing goal, Go You!! Now that you’ve set your goal, it’s time to start taking the right steps in order to achieve it!

I know it can be overwhelming just thinking about everything that’s involved in home buying and where to start, so I’m going to share some must-know steps to help you start putting things into motion!

🔸 Improve your debt-to-income ratio (DTI)

Paying down debt and asking for a raise are two ways to improve your DTI, which will help improve your FICO score, lower the interest rate on your mortgage, increase the amount banks are willing to lend and increase the amount you’re able to save for a down payment.

🔸 Save for more than just your down payment

Cut expenses wherever possible so you can save for homeowner expenses other than your mortgage, like home upgrades, lawn services and landscaping, new furniture, and more.

🔸 Start shopping around for mortgage loans

Price-compare and try to negotiate lower rates and better terms. As a first-time homeowner, you may also be eligible for first-time home buyer programs, which can lower your down payment, closing costs, and other fees.

🔸 FInd an agent that’s familiar with the neighborhood you want to buy in

Having the right real estate agent on your side can make all the difference when buying a new home, especially if it’s your first time. Don’t underestimate this step!

If you have any questions or hesitations about the home buying process, reach out to me!

Come see this hot new listing today! 3 bed 2 bath in Curler Bay for 435,000. Let’s make an offer, call me 7863907723

Thank you for helping me wrap up a great year of serving you & your referrals. With warm and sincere Holiday wishes, thank you for the opportunity to serve you!

Merry Christmas from my family to yours.

Raise a 🤚 if you think rents are getting ridiculous! It might be time to ditch the lousy lease and find yourself a solid mortgage that will treat you better. You can probably pay less!

Have questions about the home buying process? Send me a text and I’ll help you understand what you need to get started.

Did you know 36.6% of US households are renting… the largest percentage since 1965!

The U.S. Census Bureau data shows that more U.S. households are renting than at any point in 50 years, with 36.6% of households renting their home. The last time the renting level was this high was in 1965, with a rate of 37%

While homeownership remains a goal for many renters, landlords are at an advantage in a rental market with high demand. Higher demand means landlords can typically charge higher rental rates and be choosier about to whom they rent. Now you know why rents are so high!

Thinking of investing in a rental property or want to stop renting? Contact me to start the search now.

Where do you want to be in 5 years? 10 years? 20? Are you taking the right steps to get you there? A home is one of the safest investments you can make and it can help you build wealth, unlike renting. So, which will it be? Champagne or Lemonade?

Your Target purchases won’t appreciate – real estate does!

Remember…Don’t let your present distract you from your future, invest where it counts, and let your money work for you!

If you’re thinking of investing in real estate, naturally you’ll have a ton of questions, just shoot me a text.

and I’d be happy to help! 😁

New Listing - 1bed/1bath Condo, nicely updated waterfront residence. Walk to fine restaurants and shops or Las Olas. 5 mins to the Ocean! Contact me today for more information.

Success is getting what you want. Happiness is wanting what you get! Remember… Working smart is how you get both!

Hit the like button if you agree!

Everything I touch turns to SOLD 😉 Here are my tips to have your home sold fast and for top dollar:

🗝 Price it right! You can have the property staged and all the marketing in the world won’t sell an
overpriced home.

🗝 Whether it’s the most sought-after condo in town or the home where layout seems to have
been an afterthought, good staging can change the game.

🗝 It has to look its best the day the doors open for that first buyer and agent. Make sure it’s clean
and smells fresh.

🗝 High-quality photos from a professional are a must and there’s no excuse not to include video and 3D models in the marketing plan as well.

Thinking about selling? DM me for a no-obligation, free market analysis of your home.

When it comes to searching for the perfect home, it can be easy to get carried away by trivial things and to get frustrated with the process, so it’s important to make sure you stay focused for the best chance at success.

Here are 3 tips to help you stay on track!

1️⃣ Be patient
Demand is still at a high right now, so it might take longer than usual to find a house that comes close to checking off all your boxes.

2️⃣ Embrace compromise
It’s very rare to find a home that checks off all your boxes, unless you’re designing it yourself, so compromise is more common than you might think — 70% of homebuyers do.

3️⃣ Know your top priorities
knowing what features are musts and which are nice-to-haves will help you stay focused.

✔️ BONUS: Commit! With the current demand and market trends, don’t be surprised if there’s no room for negotiation or much time to make a decision!

We can work together to find a solution that fits your needs. Contact me!

Christmas can’t come soon enough! 🎄 You know what will make the wait go by faster? Being too busy looking for your new home!
With years of experience and negotiation skills that will knock your socks off. I can guarantee you that the only thing you’ll be counting down to is move-in day! 🏡🔑

Aaaaah….The journey of home-buying! It might be a windy one, but it sure is worth it the moment you get your hands on the keys to the home of your dreams!

So, what happens once you get an offer accepted? Depending on the type of financing and contingencies in the contract, the typical process looks more or less like this:

✔️Accepted offer!
Congrats! You received an offer on your home and accepted it!

✔️Remove contingencies!
Some financing requires an appraisal. Most contracts require inspections. If the buyer is paying cash, there’s no underwriting. It is different for each type of financing so this step is longer for contracts with more contingencies and financing.

✔️Clear to close!
This means that all the necessary work to get the sale completed is *almost* done.

The final step is closing where money is exchanged, final signatures are gathered, and keys are given.

Let me help you get to closing, contact me today.

Happy Thanksgiving, everyone! 🦃

I hope you are spending your day with loved ones and having a wonderful, thankful day

When you start the process of finding the right home for you and your family, there are some things you should know and follow during home tours:

🔸 You can open cabinets and closets
🔸 Make sure you review the seller’s disclosure
🔸 You can test water pressure
🔸 Be mindful of wearing shoes on the carpet and around the house
🔸 Make sure you lock any doors that you unlock

What do you ALWAYS look for in a home tour? What has been your craziest find? Let me know in the comments!

Waiving inspections is a way to get your offer ahead of anyone else’s. However, it is a very risky decision.

Inspection companies are now allowing pre-offer walkthroughs so they can help you make a decision whether to waive inspections or not. If you go with an option to waive the inspection, you will be responsible for any major repairs, should there be any, after closing.

So it’s important to keep this in mind:

✔️✔️✔️ You should only waive inspections if you do a pre-offer inspection walkthrough or if you are financially ready to take on any issues the house could have.

Always work with a trusted professional for guidance. Contact me today to start your home search.

Congratulations .roman Amazing job, with 10 other units for sale in the building, 6 Days on the market, 2nd highest sale in the building all time, 97% if list price, and represented the buyer from NY too. Just wow, your professionalism and skills are impressive.

As you begin your home search, you probably have heard that you need to determine what you “want and need” in a home.

When Identifying your wants and needs during your home search, consider whether the things you’re looking for are deal-breakers or not. it will make everything so much easier!

Consider “Nice to have items” such as:

✔️Extra Closet Space
✔️More Rooms
✔️Additional amenities
✔️Bonus Features

Now, Consider “Deal breakers”:

✔️Minimum Bedrooms and Bathrooms
✔️Layout that compliments your lifestyle
✔️Location of the home
✔️Home Price

It’s important to remember that no home will be perfect, and you won’t get everything you want. Once you make sure you understand those expectations, you’ll have more options and your home shopping experience will be more productive.

Contact me anytime if you want to start your home search today.

Being self-employed and wanting to buy a home can be tricky! Here are some ways to strengthen your pre-approval odds

🗝 Establish a self-employment track record
🗝 Max out the credit score
🗝 Offer a large down payment
🗝 Pay off all consumer debt
🗝 Have significant cash reserves
🗝 Enlist a co-signer

Self-employed borrowers will have to provide more paperwork to document income when compared to traditional employees who can produce a W-2.

Contact me today if you are ready to start your search!