True. Estimated monthly home costs

Listing-site payments are a good start, but they often use the seller’s current tax bill and national insurance averages. Casa Clara estimates taxes on your purchase price, uses Florida insurance costs, adds flood insurance where it applies, checks the building in Condo Finder, and flags milestone inspections and special assessments. And I review the numbers with you personally.

In Florida, owners who live in their home get a homestead exemption, and yearly increases in taxable value are capped. When the home sells, its value resets to market value on the next January 1. Your bill is usually based on the price you pay, not on what the seller has been paying. That’s why Casa Clara estimates taxes on your purchase price.

Lenders review condo buildings (budget, reserves, insurance, legal issues, and more) before they finance units. Condo Finder searches a lender’s condo project review list, updated weekly. A building shown with a full or limited review has been reviewed by that lender; a limited review may need a larger down payment. A result is not a guarantee of financing, and a building that isn’t listed may still work with other loan options, so send it to me.

No. These are estimates for planning, not a loan offer, pre-approval, or rate lock. You enter the rate, or tap to use the latest Mortgage News Daily national average as a reference; it is not a Premier rate quote. Your actual rate is set by the lender and isn’t final until it’s locked.

No. Casa Clara never checks your credit. If you decide to get pre-approved, I’ll explain what’s involved before anything happens.

Yes. Besides conventional and FHA loans, I work with bank-statement and profit-and-loss loans for self-employed buyers, DSCR loans for investors, and foreign national loans. Requirements vary, so send me your situation and I’ll tell you what fits.