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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

FOR RENT

See All Rental

FINANCING

Credit Score

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

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

Requirements

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.

FHA Loans

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

Teresita amado in my opinion is considered the best realtor anyone could ask for. She is very knowledgable, professional, friendly, honest, determined, excellent negotiator, and did everything in her power to make our experience buying our house spectacular. We are very grateful and thankful for all of her hard work day and night. I would use her as my realtor again and will definitely recommend her to everyone I know. Thank you very Teresita Amado you are awesome.
by Dunsleys Valladares
Marketing Manager
Teresita muchísimas gracias por toda la ayuda brindada , de verdad que usted estuvo paso a paso en este proceso tan largo y cansado. Hizo hasta lo imposible para que pudiéramos cerrar en esta casa tan hermosa que queriamos.. Siempre adelante de todo,y todos, nunca un retraso de su parte, y una gran amabilidad.
by Marianella Tobar
Conozco a Teresita desde hace muchos años y siempre la ví muy dedicada a su profesión, optimista y trabajadora.
by Hector Omar Re
Buying a house can be an extremely stressful and frustrating process. Teresita is absolutely amazing! She is wonderful to work with. Extremely knowledgeable, eager to assist and helps make the process easier. She is such a sweet person, I feel fortunate to have had her on my side. Thank you Teresita for everything.
by Carmen Ryan
In my personal opinion, Teresita is very unique. I met her at one of her open houses and she was very friendly, very helpful and very outgoing. She obviously loves what she does and enjoys helping others. If I have a question, she's the person to call. She knows her stuff and she's very informative. I would highly recommend her to anyone.
by Annie Caceres
Teresita es una excelente realtor , te toma de la mano y no te suelta hasta que logres alcanzar la meta “ la casa de tus sueños “, ademas de ser excelente persona , muy humana , siempre lista para ayudarte , para mi es la mejor .
by Gilda Tovar
We can't speak highly enough of our experience with Teresita Amado. We were first-time homebuyers with very little knowledge about how to find the right place. We met with a couple of realtors before her, but we knew instantly that she was the one for us. She is honest and she really helped to take the pressure off of us. She helped us 24/7, rain or shine, she’s was there for us. We never felt forced to make an offer, she always respond to our texts, phone calls and emails. We have several friends looking for homes and thinking about selling, and we will always recommend Teresita to them!
by Silvia Coelho
Para mi es una excelente persona tanto en lo personal como en lo profesional. Tengo un un,concepto especial,con la compra,de mi,casa. Me,ayudo con todo su,conocimiento en lo que le pregunté. La recomiendo como Realtor en todo lo que,alguien necesite.
by Pedro Perez
Es una excelente persona,Nos ayudó mucho con la compra de la casa,se las recomiendo.Muy profesional y le gusta ayudar mucho a las personas.Un gran ser humano.
by Eneida Ramos
Teresita is an excellent realtor and an even better human being. She really takes the time to listen to your wants and needs and does an excellent job of achieving those goals. We were blessed to have Teresita sell our home and she did it quickly and efficiently. I highly recommend Teresita as she is a true professional and wonderful person.
by Doriza Rivera

CONTACT ME

Teresita V. Amado

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





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