Real estate + mortgage, all in one place. Hablamos espanol. EN | ES   (786) 420-3292
MW Realty Group, Real Estate and Mortgage

For Buyers · Hialeah, Miami-Dade

Your Miami home journey starts here.

Buying a home is one of the biggest moves a family makes. We make it clear, step by step, in your language. Find the home and finance it with the same bilingual team that already knows you, all the way to the keys.

Get pre-qualified Search homes

Free, no obligation. We answer in English or Spanish.

A Miami family in front of their new home Reviews on Google
Trusted by Miami families
Reviews on Google Broker Marisel Cabrera Morono, BK3456437 Brokerage Lic. CQ1070525 Mortgage NMLS #2619153 ⌂ Equal Housing

How it works

Five steps from "thinking about it" to your keys

No jargon, no surprises. Here is exactly what buying a home with MW looks like, start to finish.

Step one

Get pre-qualified

We look at your income, credit, and goals together and tell you the real number you can afford. Pre-qualification is fast, free, and it makes your offer stronger when the right home shows up.

Step two

Search with a guide

Tour homes that fit your budget and your life, with people who know every Miami-Dade neighborhood, school zone, and HOA. We point out what to love and what to question.

Step three

Make a smart offer

When you find it, we price the offer to win without overpaying, write the terms to protect you, and negotiate hard on your side of the table.

Step four

Inspect and appraise

A licensed inspector checks the home's true condition and the lender confirms the value. If something turns up, we walk you through your options: repair, credit, renegotiate, or walk away.

Step five

Close and get the keys

We coordinate the loan, the title, and the closing table, review every line so there are no surprises, and hand you the keys to your Miami home.

All along the way

One bilingual team

Same people, start to finish. Real estate and mortgage under one roof means fewer hand-offs, faster answers, and someone who actually picks up the phone.

Start with step one

MW Financial

Know what you can afford, before you fall in love.

Pre-qualify in minutes with our in-house mortgage team and shop with confidence. FHA, VA, conventional, and first-time buyer programs, all explained in English or Spanish, with no pressure and no obligation.

Pre-qualify now   How financing works

Talk to MW Mortgage: (954) 889-6645

MW Financial LLC, NMLS #2619153. Webster Seed, MLO, NMLS #1874900. Equal Housing Lender.

A couple reviewing their mortgage pre-qualification with an advisor

Free download

The Miami Buyer's Guide

A plain-language guide to buying a home in Miami-Dade: how much you really need, the full step-by-step, what closing costs look like, and the questions smart buyers ask. Written for real families, in clear English. Drop your email and we will send it right over.

  • What you actually need for a down payment
  • Pre-qualification vs. pre-approval, explained
  • A realistic closing-cost checklist for Florida
  • First-time buyer programs to ask about

Send me the free guide

No spam. We will send the guide and, if you want, a quick note about your home search. Unsubscribe anytime.

Real buyer questions

Questions Miami buyers actually ask

Straight answers, no fine-print games. If your question is not here, just call or message us, we answer in your language.

How much do I need for a down payment to buy a home in Miami?
It depends on the loan. Many first-time buyers put down 3 to 3.5 percent with an FHA or conventional program, and some VA and USDA buyers qualify for zero down. A larger down payment lowers your monthly payment, but you do not need 20 percent to buy. The right number comes from your pre-qualification, where we look at your income, credit, and goals together and tell you the real figure for your situation.
Does it cost me anything to work with a buyer's agent?
How a buyer's agent is paid is set out in a written agreement you sign before we tour homes, and it is always disclosed up front, never a surprise. In many transactions the compensation is negotiated as part of the deal. We will explain exactly what you would pay, if anything, in plain language before you commit to anything, so you can decide with the full picture.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate of what you may be able to borrow, based on the income, debts, and credit you share with us. Pre-approval goes further: a lender verifies your documents and issues a letter that tells sellers your financing is solid. In a competitive Miami market, a strong pre-approval letter makes your offer stand out. Because our mortgage team is in-house, we can move you from pre-qualification to a real pre-approval without sending you to a stranger at a bank.
What are closing costs and how much should I expect?
Closing costs are the fees to finalize your loan and transfer the home: lender fees, title and settlement charges, recording fees, taxes, and prepaid items like homeowner's insurance and property taxes. In Florida these commonly run a few percent of the purchase price, but the exact amount varies by loan and price. You will receive a written Loan Estimate that lists every line, and in some cases a seller credit or a lender option can reduce what you pay at the table.
Are there first-time home buyer programs in Florida?
Yes. Florida offers down payment and closing cost assistance programs for eligible first-time buyers, and there are FHA, VA, USDA, and conventional low-down-payment options as well. Eligibility depends on income, the property, and the program's rules, which change over time. We review which programs you may qualify for as part of your pre-qualification and walk you through the trade-offs in your language.
How long does it take to buy a home in Miami?
Once you are pre-approved and find the right home, a financed purchase often closes in about 30 to 45 days from an accepted offer, depending on the lender, the appraisal, and the type of property. Cash deals can move faster. The search itself varies widely. Some families find their home in a weekend, others take a few months. Getting pre-approved first is what keeps the timeline tight when the right home appears.
Do I need a home inspection, and what happens if it finds problems?
A home inspection is strongly recommended. A licensed inspector checks the roof, structure, plumbing, electrical, and systems so you know the home's true condition before you commit. If the inspection turns up issues, you typically have options within your contract: ask the seller to repair, request a credit, renegotiate the price, or in some cases walk away. We guide you through each option so you make the decision with clear information.
Can you help me if I am buying my first home and English is not my first language?
Absolutely. We are a fully bilingual team and we answer in your language, English or Spanish, from the first call through closing. Buying your first home is a big step, and we take the time to explain every document and every number so nothing gets lost in translation. You will always know what you are signing and why.

No pressure, just answers

Book a free buyer consultation

Sit down with us, in person, by phone, or by video, and we will map out your home search, your budget, and your next step. Bring your questions. Bring your family. We answer in English or Spanish.

Book a consultation Message us on WhatsApp

Prefer to call? (786) 420-3292

Pick a time that works

Booking calendar loads here

Free and no obligation. We confirm by text or email and remind you before we meet.

Ready when you are

Let's find your place in Miami.

Get pre-qualifiedMessage us on WhatsApp