ABOUT

Teresita V. Amado
Real Estate Agent

The market is moving up! Now is the time to buy or sell a home. I can provide you with all this update information today.

Government Programs are available that can help you finance your new home.

I cover all of Treasure Coast Area. Vero Beach, Fort Pierce, Port St. Lucie, Jensen Beach, Stuart, Palm City & Palm Beach.

I’m a Florida resident since 1999. My knowledge of the market will meet your needs. I care, listen, and I know how to get the job done because I love what I do!

I have a Bachelor’s Degree in Law in Mexico and Cuba. I worked in marketing for the Palm Beach Post Newspaper.

I’m dedicated to making sure you are happy with your decisions on buying or selling a home.

Let me show you how we can achieve this process together.

I Speak English / Spanish.

PHONE: (772) 634-0248
EMAIL: tamadorealtor@gmail.com

HOME FOR SALE

Desirable Torino parkway area CBS

  • $275,000
  • 4 bd
  • 2.5 ba
  • 2

Spectacular CBS New Home in Port St Lucie

  • $365,000
  • 4 bd
  • 3 ba
  • 2461

BEAUTIFUL CONSTRUCTION MERCEDES PLAN

  • $250,000
  • 4 bd
  • 2 ba
  • 2074
Featured For Sale

Awesome family home

  • $570,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft
Featured For Sale

Luxury villa with pool

  • $990,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft

Amazing villa bay front

  • $990,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft
Featured For Sale

Luxury family home

  • $870,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft

Ample apartment at last floor

  • $456,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft
Featured For Sale

Renovated apartment

  • $540,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft

Amazing home for family

  • $890,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft
Featured For Sale

Family home for sale

  • $758,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft

Luxury villa with oceanview

  • $3,700,000
  • 4 bd
  • 2 ba
  • 1200 Sq Ft

FOR RENT

FINANCING

There are key factors for a Mortgage Preapproval

A pre-qualification is a pretty straightforward, simple check to see what you can afford based on your income/debt
levels, down payment, and credit score.

WHAT IS YOUR CREDIT SCORE?

If you choose to finance the home purchase with a mortgage, you’ll need to get a pre-qualification letter
first. A “pre-qualification” isn’t as robust as a pre-approval, but it’s a good idea first step to ensure you can
purchase the home you desire.
When you initially set out to purchase a new home, the real estate agent(s) and home seller will want to
know you can actually afford this Home.
After all, if you can’t afford to buy it, you’ll be wasting everyone’s time. Aside from affordability concerns,
you may find other issues that disqualify you from obtaining a mortgage.
Agents and home sellers will also want to know that you’re committed to buying a home, as opposed to
those just casually browsing.
For these reasons, most real estate agents will demand that you get pre-approved before they even begin
showing you prospective properties. I have lenders that can help you with this process of finance.

Pre-Qualification:

  • First step
  • Less robust
  • Based on estimates
  • Doesn’t require a credit pull
  • Carries less weight/ not a sure thing
  • Not taken seriously

Pre-Approval:

  • Based on verified information
  • Must complete an actual loan application
  • Requires a credit pull
  • Must be underwritten (manual or automated)
  • Written conditional commitment
  • Shows sellers/real estate agents you’re serious

REQUIRED BEFORE START OF THE LOAN PROCESS, YOU NEED TO PROVIDE THE FOLLOW INFORMATION:

– W-2 forms (last 2 years)
– Paystubs (last 30 days)
– tax Returns (last 2 years)
– Bank Statements (last 2 months)
– Drivers License
– Social Security Card
– Address of the residence (last 2 years)

FHA loan is a mortgage insured by the Federal Housing Administration, a government agency within the
U.S. Department of Housing and Urban Development.
Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower
defaults on the loan.

LATEST FOR SALE

WHY PEOPLE GET FHA LOANS?

FHA loans at attractive interest rates and with less stringent and more flexible qualification
requirements.

FHA, Conventional,VA loans are available from lenders. Contact me for more information.

TESTIMONIALS

CONTACT ME

Teresita V. Amado

Real Estate Agent
E: tamadorealtor@gmail.com
P:(772) 634-0248