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Sisi Carnero Broker | License ID: 3228701
With over 35 years of experience in real estate, finance, and accounting, I bring unmatched expertise and dedication to every client relationship. As the Broker and Owner of Miami Top Realty, Inc., I take pride in offering personalized service—guiding you step by step through buying, selling, or investing in South Florida real estate. At Miami Top Realty, we believe real estate is about more than just transactions. It’s about trust, relationships, and helping you find a place to truly call home.

ESSENTIAL INSIGHTS FOR SOUTH FLORIDA HOME BUYERS

How much do I need for a down payment on a home?
Down payment requirements vary by loan type and financial profile. While 20% is traditional, many South Florida buyers successfully secure homes with as little as 3% down through conventional loans or FHA loans requiring 3.5%.
What’s the difference between pre-qualification and pre-approval?
How does my credit score affect my mortgage rate?
What are closing costs, and how much should I expect to pay?
How long does the homebuying process usually take?
Can I buy a home if I’m self-employed or have irregular income?
What’s included in my monthly mortgage payment?

What is a 2-1 buydown, and how does it work?

Who pays for the 2-1 buydown—the buyer, the seller, or the lender?

CONTACT MIAMI TOP REALTY FOR EXPERT GUIDANCE

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