Banking Rural Loans Humacao PR
What can I afford?: Our mortgage calculator will help you calculate your next move.
Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.
Please use the hand tool to navigate the map by clicking and dragging, the grid on the left to adjust your level of zoom, and the buttons in the top right to toggle between map view, satellite imagery view, and hybrid view.Click on any listing to view photos and listing details.
CPM & Realtors, the experience and the service you deserve.
Because there is so much to choose from, whether you are buying a first home, second home or vacation home, Buying any home is an investment.
Your Broker should first know: What is the budget you will be working with? What is the purpose of the investment? How much time will you spend in your new home? Is this a first home, second home, or investment property? Can you rent with an option to buy? Once you have decided let your agent know, your agent is here to help you make the right move...
Your Realtor, will help you by positioning you in the right direction. Remember, when purchasing work with a Realtor; someone who will help you choose the right location at the right price. Someone, who not only will work for the Buyer but for the Seller as well. Bringing a smooth business transaction for all involved. Know the approximate appraised price for the neighborhood you choose. This will help you pay market value. In a Buyer's market there is a lot more competition and Buyers have plenty of choices and room to negotiate, forcing you to be very competitive when setting your price. Trust your Realtor to help you present and work with your offer. To review your contract, to help with your negotiation, to present different bankers to choose from. Your Realtor is here to service you.
Here are some of the steps I will take to find your perfect home:
Determine Your Wants and Needs
This is the single most important step. By asking you a series of questions I will establish what you are looking for. My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet your needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.
Help You Get Pre-Qualified
This step will show you how much you can afford. This is accomplished by speaking with your financial institution and establishing what monthly payments you will be comfortable with. We call several banks and try to obtain the best value on the market for you.
Home Shopping made fun.
We will use every available method to locate a property that matches your search parameters. This will include properties listed with our office, offered through other real estate companies, as well as unlisted properties. We will disclose all known facts about the property that are likely to affect your decision. When we find the home that meets your criteria, we make a the bid; negotiate, and take it to closing... It is that simple. Ours is a referal business so we will work with you and yours for many years to come.
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More and more banks are providing their clients with innovative products in the Mortgage market, making the purchase of a home a reachable goal no matter what their socioeconomic level.
FHA Loan: For your principal residence and do not have savings for a down payment and closing, this loan is insured by the Federal Housing Administration may be your answer.
Veterans Loan: Provides financing to veterans who have served in the United States armed forces and to some members of the Reserve and National Guard.
Conventional Loan: If you have savings or assets for the down payment and closing costs, or if you already have a residence, this could be your option.
Balloon Loan If you plan to sell, refinance your home within a few years and wish a low and fixed monthly payments, this could be your best option
Interest Only loan has no amortization because it does not contribute to the principal. In five years the client has the option to refinance or pay for the total debt.
Conforming Loans lets you finance the purchase of a property for commercial and residential mixed use the same term and conditions as a conventional residential loan
Your banker can help you choose the right loan for your purchase needs. Ask your broker she/he may be able to refer and get estimates prior to your purchase. As with anything else shop around for what best suits your needs.
Luxury homes, Apartments, Villas, Lots, Home Sites, Urbanized neighborhoods, Gated Communities throughout Puerto Rico. - Come to Puerto Rico and you will see why we are called "The Enchanted Island"