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    Alfredo J Puigbo Loan Officer
    @alpuig_mortgage

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Mortgage rates have dropped to a two-month-low! If you're interested in buying a home, now is the time! Contact me to learn more!
#mortgagerates #mortagetrends #realestate
Here is the waiting period list of every conforming loan program. But every client is different and We can help your clients with non conventional loans programs too. Contact me for more info 👆
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Alfredoyourmortgageloan.com 📍
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#fha #realtorslife #realtors #realtor #realestateinvestor #realestate #realestateagent #realestatelife #realestatemiami #realestatenews #miami #luxuryrealtor #buying
Just a 1% drop in market value could cost you thousands when you need to sell. +Plus will reimburse you up to your full down payment or your refinanced equity should you have to sell in the future and you take a loss due to fallen market prices.  In 30 days, you'll have your check and you can move on to your next adventure
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#realtor #realestateinvestor #realtors #realtorslife #fha #realestate #realestateagent #realtorlifestyle #buyingahouse #miami #palmbeach #orlando #tampa #jacksonville #florida
Just a 1% drop in market value could cost you thousands when you need to sell. +Plus will reimburse you up to your full down payment or your refinanced equity should you have to sell in the future and you take a loss due to fallen market prices. In 30 days, you'll have your check and you can move on to your next adventure . #realtor  #realestateinvestor  #realtors  #realtorslife  #fha  #realestate  #realestateagent  #realtorlifestyle  #buyingahouse  #miami  #palmbeach  #orlando  #tampa  #jacksonville  #florida 
You don’t need 20% Down to buy a home! There are government loans available where you can buy a home with 0% Down!
You don’t need 20% Down to buy a home! There are government loans available where you can buy a home with 0% Down!
Nearly 70 percent of renters in a #zillow survey cited the down payment as their number one barrier to homeownership. Not surprising.
The truth is you may not have to save as much as you're thinking, and there's actually free money out there that might get you where you need to be right now. It's called down payment assistance.
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Contact me for more info 👆
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#realtorslife #realtors #realtor #realestateinvestor #realestate #realestateagent #realtorlife #miami #tampa #orlando #tallahassee #jacksonville #palmsprings #palmbeach #florida
Nearly 70 percent of renters in a #zillow  survey cited the down payment as their number one barrier to homeownership. Not surprising. The truth is you may not have to save as much as you're thinking, and there's actually free money out there that might get you where you need to be right now. It's called down payment assistance. . Contact me for more info 👆 . #realtorslife  #realtors  #realtor  #realestateinvestor  #realestate  #realestateagent  #realtorlife  #miami  #tampa  #orlando  #tallahassee  #jacksonville  #palmsprings  #palmbeach  #florida 
Other than income, a good down payment could help you get the house of your dreams. The more money you have for your down payment, the more chances you get on a home more suitable for your needs. Whether you need more space or downsizing, you need to work with the best team. 
Contact me for more info 👆
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#realtorslife #realtors #realtor #realestateinvestor #fha #realestate #realestateagent #florida
When you’re applying for a home loan, you can use multiple people for your loan application! You only need twice as much as your monthly payment to qualify! If you’d like to learn more, contact me today! 
#realtors #realestate #realtor #realtorlife #realestateagent
When you’re applying for a home loan, you can use multiple people for your loan application! You only need twice as much as your monthly payment to qualify! If you’d like to learn more, contact me today! #realtors  #realestate  #realtor  #realtorlife  #realestateagent 
Because I care for those who protect us, and I hope we can change the world with love and no with war.
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#veteransday #veterans
Because I care for those who protect us, and I hope we can change the world with love and no with war. . #veteransday  #veterans 
Money issues often stand in the way of homeownership. A survey List found that 80 percent of millennial renters want to buy a home, but most say they can’t afford to.
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What you may not realize is that many first-time homebuyer programs and grants offer financial help, and you may be eligible for various types of assistance.
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Just contact me for more info 👆👆👆
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#realtors #realtor #realtorslife #realestateinvestor #realestateagent #realestate #realtorlife #fha #loans
Money issues often stand in the way of homeownership. A survey List found that 80 percent of millennial renters want to buy a home, but most say they can’t afford to. . What you may not realize is that many first-time homebuyer programs and grants offer financial help, and you may be eligible for various types of assistance. . Just contact me for more info 👆👆👆 . #realtors  #realtor  #realtorslife  #realestateinvestor  #realestateagent  #realestate  #realtorlife  #fha  #loans 
REALTORS!!!
Please find the list of documents your client needs to apply for a loan. 
Be aware this is only the beginning, lender will ask for different documents to support your clients background.
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#realtors #realestate #realestateagent #realtorslife #realtor #realestateinvestor #realtorlife #applications #loanapplication #miami #miamirealestate #florida
Recharging batteries at one of the most beautiful place to work, but 🤫 its a secret place, thanks to @gleidys_soto for the info.
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#realtorslife #realtor #working #secretplace #realestate #realestateagent #marketing
Lenders generally require borrowers to include taxes and insurance premiums in their monthly mortgage payments, which are placed in escrow until the payment date when the amount due is paid by the lender. Mortgages are priced on that assumption.
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The alternative is to pay an extra fee and have them waive that requirement. Lenders prefer that the borrower pays property tax and homeowner’s insurance into an impound or escrow account. That way they will make sure the tax and insurance bills are paid. It protects their interest. They also earn some float from the money. Most people if given a choice probably will not use impound or escrow account because it unnecessarily complicates paying the tax and insurance bills. But if you have to pay a fee to get rid of annoyance, you have to decide if the fee is worth it.
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PRMG waive that fee, contact me for more info ☝️☝️☝️ .
#realtorslife #realtors #realtor #realestate #realestateagent #realestateinvestor #realestates #escrow #florida #miamirealestate
Lenders generally require borrowers to include taxes and insurance premiums in their monthly mortgage payments, which are placed in escrow until the payment date when the amount due is paid by the lender. Mortgages are priced on that assumption. . The alternative is to pay an extra fee and have them waive that requirement. Lenders prefer that the borrower pays property tax and homeowner’s insurance into an impound or escrow account. That way they will make sure the tax and insurance bills are paid. It protects their interest. They also earn some float from the money. Most people if given a choice probably will not use impound or escrow account because it unnecessarily complicates paying the tax and insurance bills. But if you have to pay a fee to get rid of annoyance, you have to decide if the fee is worth it. . PRMG waive that fee, contact me for more info ☝️☝️☝️ . #realtorslife  #realtors  #realtor  #realestate  #realestateagent  #realestateinvestor  #realestates  #escrow  #florida  #miamirealestate 
Come and join us in this beautiful cause and a healthy day with yoga and different outdoor events.
#Repost @marriedtonutrition with @get_repost
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THIS SATURDAY 🎀 Join us for a morning of yoga, healthy lifestyle, and curated live music as we come together to make an impact as a community in support of ending breast cancer forever.

Together with @BalanZenGroup we created The Pink Om, an event where all ticket proceeds will be donated to foundations supporting the fight against breast cancer; @susangkomen & @senosayuda
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📆 This Saturday October 27th
🕘 9:00am to 12:00pm
📍 Soccer Cage Downtown |  128 NE 17th Street, Miami FL 33132
🎟 $25 Minimum Donation
(USE LINK IN BIO TO GET YOUR TICKET + CONTRIBUTE)
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MORE DETAILS:
▫️Yoga class starts at 9:30am; BYOM, hat, & towel. We will provide water, hydration, and light bites.
▫️GIVEAWAYS courtesy of our event sponsors! Including a raffle for 2 Hours of Kitesurfing Lessons courtesy of @WindAddictMiami ▫️Live beats curated by @NaimZarzour 🎶 ▫️PARKING IS FREE (On-site and street parking available)
▫️@GoalStation will do an amazing demonstration of their Soccer Training System next to the yoga class. Everyone is welcome to participate! Adult and kid friendly ⚽️
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Thank you to our AMAZING event sponsors for their contribution, support, and love towards this cause 💕

@soccercagedowntown 
@arteasan 
@teads
@alpuig_mortgage
@goal.station 
@funkyyoga
@windaddictmiami
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#breastcancer #pink #glitzpink #glitzaway #breastcancerawarenessmonth #october #love #thinkpink #susangkomen #hope #cancersucks #pinktober #savethetatas #fitness #survivor #pinkribbon #cancer #losangeles #women #breastcancersurvivor #fuckcancer #beauty #charity #support #life #health #art #fashion #awareness
Come and join us in this beautiful cause and a healthy day with yoga and different outdoor events. #Repost  @marriedtonutrition with @get_repost ・・・ THIS SATURDAY 🎀 Join us for a morning of yoga, healthy lifestyle, and curated live music as we come together to make an impact as a community in support of ending breast cancer forever. Together with @BalanZenGroup we created The Pink Om, an event where all ticket proceeds will be donated to foundations supporting the fight against breast cancer; @susangkomen & @senosayuda - 📆 This Saturday October 27th 🕘 9:00am to 12:00pm 📍 Soccer Cage Downtown | 128 NE 17th Street, Miami FL 33132 🎟 $25 Minimum Donation (USE LINK IN BIO TO GET YOUR TICKET + CONTRIBUTE) - MORE DETAILS: ▫️Yoga class starts at 9:30am; BYOM, hat, & towel. We will provide water, hydration, and light bites. ▫️GIVEAWAYS courtesy of our event sponsors! Including a raffle for 2 Hours of Kitesurfing Lessons courtesy of @WindAddictMiami ▫️Live beats curated by @NaimZarzour 🎶 ▫️PARKING IS FREE (On-site and street parking available) ▫️@GoalStation will do an amazing demonstration of their Soccer Training System next to the yoga class. Everyone is welcome to participate! Adult and kid friendly ⚽️ - Thank you to our AMAZING event sponsors for their contribution, support, and love towards this cause 💕 @soccercagedowntown @arteasan @teads @alpuig_mortgage @goal.station @funkyyoga @windaddictmiami . . . . . #breastcancer  #pink  #glitzpink  #glitzaway  #breastcancerawarenessmonth  #october  #love  #thinkpink  #susangkomen  #hope  #cancersucks  #pinktober  #savethetatas  #fitness  #survivor  #pinkribbon  #cancer  #losangeles  #women  #breastcancersurvivor  #fuckcancer  #beauty  #charity  #support  #life  #health  #art  #fashion  #awareness 
This is a little something from a client, one of the best feelings is to know that you help people reach their goals; a lot of people don’t like their jobs or are very frustrating in there life, but not me, I love what I do specially when you see their smile at the closing day 😃😃
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#realtors #realtor #realestateinvestor #realestateagent #realtorlife #realestateinvesting #realtorsofinstagram #closingday #closing
Buying a house for the first time can be one of the most full-on adulting challenges you ever undertake. This is perhaps the biggest purchase of your life, after all, with zeros being bandied about willy-nilly and obscure terminology coming at you from every corner. Fear not, we are here to help.
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• First let’s figure out your budget
• Get pre qualify • Find your Realtor
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#realtors #realtor #realestateinvestor #realestateagent #realestate #realtorslife #realtorlife #miamirealestate #ftlauderdale
Buying a house for the first time can be one of the most full-on adulting challenges you ever undertake. This is perhaps the biggest purchase of your life, after all, with zeros being bandied about willy-nilly and obscure terminology coming at you from every corner. Fear not, we are here to help. . • First let’s figure out your budget • Get pre qualify • Find your Realtor . #realtors  #realtor  #realestateinvestor  #realestateagent  #realestate  #realtorslife  #realtorlife  #miamirealestate  #ftlauderdale 
Law enforcement officers, pre-Kindergarten through 12th grade teachers, firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence.
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#realtors #realtor #realestateinvestor #realestateagent #realestate #realtorlife #realtorslife #miami #miamirealestate #ftlauderdale #palmbeach #tampa #orlando #jacksonville #pensacolabeach
Law enforcement officers, pre-Kindergarten through 12th grade teachers, firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence. . #realtors  #realtor  #realestateinvestor  #realestateagent  #realestate  #realtorlife  #realtorslife  #miami  #miamirealestate  #ftlauderdale  #palmbeach  #tampa  #orlando  #jacksonville  #pensacolabeach 
If you are a homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, and are currently living in the home, you may participate in FHA's HECM program. The HECM is FHA's reverse mortgage program that enables you to withdraw a portion of your home's equity. The amount that will be available for withdrawal varies by borrower and depends on:
• Age of the youngest borrower or eligible non-borrowing spouse;
• Current interest rate; and
• Lesser of appraised value or the HECM FHA mortgage limit or the sales price.
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If there is more than one borrower and no eligible non-borrowing spouse, the age of the youngest borrower is used to determine the amount you can borrow. .
You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.
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#realtors #realtor #realestateagent #realtorlife #floridarealestate #realestate #realestateinvestor #realestateinvesting #miami #jacksonvillerealestate #orlandorealestate
If you are a homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, and are currently living in the home, you may participate in FHA's HECM program. The HECM is FHA's reverse mortgage program that enables you to withdraw a portion of your home's equity. The amount that will be available for withdrawal varies by borrower and depends on: • Age of the youngest borrower or eligible non-borrowing spouse; • Current interest rate; and • Lesser of appraised value or the HECM FHA mortgage limit or the sales price. . If there is more than one borrower and no eligible non-borrowing spouse, the age of the youngest borrower is used to determine the amount you can borrow. . You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing. . #realtors  #realtor  #realestateagent  #realtorlife  #floridarealestate  #realestate  #realestateinvestor  #realestateinvesting  #miami  #jacksonvillerealestate  #orlandorealestate 
Realtors Did you know?
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HFA Preferred permits down payments as low as 3% and offers cancellable mortgage insurance (restrictions apply). Has no first-time home-buyer requirement.
With HFA Preferred, your clients may be eligible to receive down payment assistance through a state housing finance agency, which can often make loan qualification easier.
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Contact me for more info ☝️
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#realestate #realestateagent #realtor #realtors #realtorlife #floridarealestate #miamirealtor #miamirealestate
Realtors Did you know? . HFA Preferred permits down payments as low as 3% and offers cancellable mortgage insurance (restrictions apply). Has no first-time home-buyer requirement. With HFA Preferred, your clients may be eligible to receive down payment assistance through a state housing finance agency, which can often make loan qualification easier. . Contact me for more info ☝️ . #realestate  #realestateagent  #realtor  #realtors  #realtorlife  #floridarealestate  #miamirealtor  #miamirealestate