Real Estate Pro
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.
I, Teresita V Amado, have been a trustworthy Real Estate Agent since 2014. I am bilingual in both English and Spanish. I graduated from the University of Havana Cuba in 1985 with a major in Law. I also possess a Bachelor’s Degree from Mexico in law.
Working in marketing for the Palm Beach Post Newspaper was an asset to my experience. My knowledge of the market will fulfill your needs. I’ve been a Florida resident since 1999, this is my home! My love and passion for what I do shows my abilities to make long life relationships with my clients. I care, listen, and know how to get the job done because I love what I do. I will help you find your comfort home, the best fit for you and your loved ones. I am proud to represent the Real Estate of Florida and the Million Dollar Club.
I’m dedicated to making sure you are happy with your decisions on buying or selling a home. As a buyer or seller you want a patient yet assertive partner to be willing to find the best solution for you. Nothing is impossible, by guiding you through every step of the way, we will get the process done together.
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.
PHONE: (772) 634-0248
EMAIL: tamadorealtor@gmail.com
HOME FOR SALE
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