NMLS 1983378 · Licensed in Florida
Waiting costs too.Let's buy your Florida property.
Your home or your investment in Florida, in your language and without surprises. It all starts with a 15-minute call.
Four paths to owning in Florida
Pick yours. On the 15-minute call I tell you which program applies and what documents you need.
When?
How do I reach you?
Done. Choose how we continue:
Principal and interest estimate using the rate you type. Excludes taxes, insurance, PMI and HOA. Not an offer or a quote; the real APR depends on your credit, program and closing costs. This is not a commitment to lend.
You don't need 20% down. Programs start at 3%, and Florida's Hometown Heroes offers up to $35,000 toward down payment and closing costs for eligible buyers.
Qualify on the property's rent, not your tax returns. One in three non-QM loans is already DSCR. Built for your second, third or tenth property.
No Social Security number and no US credit history needed. It exists and it works, with down payments from 25% depending on the program.
Lower the payment, change the term or use the equity you've built. We check whether it pays off before moving anything.
Market data
Florida, in numbers
What the data says, with the source under every figure. And one number of my own: the closing time.
Where South Florida's foreign buyers come from
20% of all foreign home purchases in the US happen in Florida, the number-one state.
$4,400M bought by foreign buyers in South Florida in 2025, up from $3,100 million the year before.
4 out of 10 foreign buyers in Florida finance their purchase
That's where I come in.
31% of Miami home purchases are by investors. No other US city comes close.
30 days or less to close, with your documents ready.
Median single-family home price, July 2026
67% of Florida's foreign buyers live outside the United States.
+467k people moved to Florida in one year, the second-largest growth in the country.
International buyers
Buying from abroad: myths and facts
What I get asked most from Colombia, Argentina, Mexico, Brazil and Venezuela.
Process
How we work, step by step
7 videos, in order, from the call to the keys. Explained by me, in Spanish.
Hear what my clients say
Buyers, investors and Realtors who already closed with me.
Responsible, attentive and diligent, always ready to help and answer every question. She made our process fast and simple.
As a Realtor I value the loan officer's support enormously. Mariangelina got my clients approved in an incredible time.
The process was very simple, and that is thanks to Mariangelina. Excellent service.
See reviews on Google
See reviews on Experience.com
Your bank or a mortgage broker
What changes when you work with me instead of the branch.
| Item | Bank | With me |
|---|---|---|
| Loan options | No: One bank's products | Yes: Multiple lenders and programs |
| Profile the bank won't take | No: Denied | Yes: Non-QM: DSCR, bank statements, Foreign National and more |
| Hours | No: Weekdays, at the branch | Yes: WhatsApp, evenings and weekends |
| Language | No: Depends on the advisor | Yes: Spanish and English |
| Who walks with you | No: A call center | Yes: The same person from first message to closing |
Common questions
Do I need 20% down?
No. There are programs from 3% to 3.5% down for first homes, and Florida's Hometown Heroes offers up to $35,000 toward down payment and closing costs, subject to eligibility and fund availability.
Can I buy without a Social Security number?
Yes. ITIN and Foreign National programs exist. They are reviewed with documents from your country, your down payment and your reserves.
How long does a pre-approval take?
The same day, if you send your documents during the day: ID, proof of income and bank statements. If they arrive at night, you have it the next morning.
Do I need perfect credit?
No. There are programs for different profiles. What matters is reviewing your real case before ruling anything out.
Do you work with investors?
Yes. DSCR and bank-statement programs for investment properties, including investors living outside the United States.
What does the consultation cost?
Nothing. The 15-minute call is free and does not require a credit check.
Office
Where I am
Almost everything gets done without you having to travel: phone, WhatsApp and electronic signature. And if you would like to meet in person, we pick a day and I will be waiting for you in Doral.
730 NW 107th Ave, Suite 410Doral, FL 33172
By prior appointment