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Dade Mortgage Solutions

@dade_mortgages

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📍Residential Mortgage Broker
📍Serving all of Florida
📍NMLS 1982016
📍[email protected]

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With mortgage rates on the rise, temporary rate buydowns might sound like an attractive solution. But are they really the best use of your money?

A 2-1 temporary buydown lowers your mortgage payment for the first two years, but your actual interest rate never changes. Once the buydown expires, your payment increases to the original amount.

Instead of using thousands of dollars in seller credits for temporary savings, consider other options:

* Permanently buying down your interest rate
* Covering closing costs
* Reducing your upfront cash needed to close

The goal isn’t just to make your mortgage affordable today. It’s to make sure it remains affordable tomorrow.

Before agreeing to a temporary buydown, let’s compare the numbers and make sure you’re getting the most value out of your seller credits.

Dade Mortgage Solutions

#MortgageTips #MortgageRates #HomeBuyingTips #SellerCredits #MortgageBroker MiamiRealEstate FirstTimeHomeBuyer DadeMortgageSolutions

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Big changes are coming to mortgage credit scores!

For decades, FICO has been the standard for mortgage lending. Now, VantageScore is entering the picture!

What does this mean for homebuyers?

• More flexibility in credit evaluation
• More opportunities for borrowers with limited credit history
• Potentially more buyers qualifying for a mortgage
• More competition in credit scoring

Having more options could open the door to homeownership for more Americans. 🏡

Not all lenders accept VantageScore yet, but it’s a step in the right direction!

#FICO #VantageScore #MortgageTips #Homebuyers #MiamiRealEstate DadeMortgageSolutions

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A new chapter for FAMP begins! 🥂

A huge thank you to everyone who came out to celebrate and support our new Board of Directors. Your presence made the night even more special.

We’re just getting started. This next chapter is going to be EPIC!

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The best deals rarely make it to market. The right people hear about them first. 🔑

DMS is proud to sponsor Get Your Key — a private evening bringing together Miami’s luxury investors, developers, wholesalers, lenders, and real estate professionals.

A room built for the people sourcing deals, deploying capital, structuring opportunities, and creating what’s next in South Florida real estate.

🥂 Drinks. Deals. Connections.
📍 Giselle Miami Rooftop
📅 Wednesday 10/21 · 6 PM
🔐 Invite Only · RSVP Required

Want in the room? DM us for an invite & access code. 🔑

#GetYourKey #DadeMortgageSolutions #MiamiRealEstate #RealEstateInvesting #MiamiDevelopers OffMarketDeals LuxuryRealEstate RealEstateDevelopment

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Amazing Single-family home for sale in the gated community of, The Riviera. This 2-story lake front home features 3 bedrooms, 2 bathrooms, 2 car garage with epoxy floors, Stainless steel appliances, tile floors throughout the first floor, and carpet throughout the second. Minutes from Homestead hospital, Homestead Speedway, the Outlets, Florida Keys, and much more... Seller is contributing $10,000.000 towards buyers choice of closing costs.

🏷️ $550,000.00

Contact me today for a private showing!! 786-226-6277

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One of my favorite loan options for real estate investors is DSCR.

Whether you’re buying or refinancing an investment property, there are a lot more DSCR options out there than most people realize. Different lenders have different guidelines, so even if one scenario doesn’t work with one lender, it may work with another.

Definitely something worth knowing if you invest in real estate. 🏠📈

#DSCR #RealEstateInvesting #InvestmentProperty #RealEstate

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💰 $10,000 Seller Credit or $10,000 Price Reduction — which would you choose?

They might look equal on paper, but they can have VERY different impacts.

🏠 A $10,000 price reduction may sound great, but at today’s rates, that could only lower your mortgage payment by roughly $64/month.*

💵 A $10,000 seller credit, on the other hand, could potentially help cover closing costs, prepaids, or even buy down your interest rate — putting more money back in your pocket today.

Sometimes negotiating the terms of the deal can be more valuable than negotiating the price.

Before automatically asking for a lower purchase price, run the numbers and see which option actually benefits you more.

📲 Follow for more mortgage tips that can help you make smarter decisions when buying a home.

*Example is approximate and depends on loan amount, interest rate, term, and loan program.

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Officially a Goldman Sachs 10,000 Small Businesses alum! 🎓🙌
What an experience.
#10KSB gave me something that can be difficult to find when you’re busy running and growing a business: the opportunity to step back, think bigger, challenge myself, and really focus on what the next chapter should look like.
I’m walking away with new strategies, new ideas, an incredible network of entrepreneurs, and some great friendships along the way.
Most importantly, I’m leaving even more motivated for what comes next. 🚀
Thank you to @goldmansachs , the entire 10KSB team, our faculty and advisors, and every member of our Miami cohort who made this experience what it was.
Proud of how far we’ve come. Excited about where we’re going.
And proud to say I’m now part of the Goldman Sachs 10,000 Small Businesses alumni community.
#10KSB #GoldmanSachs #10000SmallBusinesses #Entrepreneur SmallBusiness BusinessGrowth Miami MiamiBusiness Entrepreneurship KeepGrowing

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When it comes to buying a home, what matters more: income or credit? 🏡

Credit matters — it can impact your interest rate and which loan programs you qualify for.

But income is what really moves the needle. Your ability to earn more can increase your buying power and open up more opportunities.

If I could give one piece of advice: invest in your skills, your career, and your ability to increase your income. 📈

Better credit can improve the terms.
More income can change what’s possible.

#HomeBuying #MortgageTips #FirstTimeHomeBuyer #FloridaRealEstate #DadeMortgageSolutions

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Changing jobs doesn’t automatically mean putting your homebuying plans on hold. 👀🏡

Depending on how you’re paid, your work history, and the type of job change, you may be able to qualify much sooner than you think.

Before assuming you have to wait months—or even years—talk to a mortgage professional and find out what your options actually are.

📲 Thinking about changing jobs and buying a home? Let’s talk.

#MortgageTips #HomeBuying #FirstTimeHomeBuyer #MortgageBroker #FloridaRealEstate DadeMortgageSolutions

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Another round of closings in the books 🏡🔑

From first-time and repeat homebuyers to seasoned real estate investors, we help finance properties throughout the entire state of Florida.

Purchase or refinance. Conventional, FHA, DSCR, Non-QM and more — every deal is different, and our job is to find the financing that makes sense for yours.

📍 Miami • Sunrise • Cutler Bay • Fort Myers • Lehigh Acres — and everywhere in between

Whether you’re looking for your next home or your next investment property, Dade Mortgage Solutions is ready to help.

📲 786-631-6168
Liberico Carrasco | Dade Mortgage Solutions

#JustFunded #FloridaMortgage #MortgageBroker #FloridaRealEstate #MiamiRealEstate RealEstateInvesting InvestmentProperty HomeLoans DSCRLoans FHALoans DadeMortgageSolutions

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I haven’t been attending my closings recently but here are some from this year so far 🙏! All kinds of loans from FHA to foreign nationals all over Florida! #dademortgagesolutions

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