How much down payment do you really need?
Down payments vary widely by loan program and your situation. Some options require less than you might expect, while others ask for more — we'll help you see what may fit.
Florida Mortgage Pre-Qualification
See if you pre-qualify for a Florida home loan in 2 minutes
Answer a few quick questions and find out where you stand — no credit check, no commitment.
Free
No obligation
Bilingual support
Licensed Florida professionals
How it works
Three simple steps to find out where you stand.
01
Answer a few questions
Tell us about your goals, credit, and down payment. It takes about two minutes.
02
We review your options
Jhon's team reviews your details and identifies loan programs that may fit.
03
Book a free consultation
Pick a time to talk with a bilingual advisor — no obligation, no pressure.
Why work with us
Local expertise and bilingual guidance, every step of the way.
Bilingual English & Spanish support
Communicate in the language you're most comfortable with, from start to finish.
Local Miami & Florida market knowledge
On-the-ground insight into South Florida neighborhoods and trends.
Guidance for U.S. & international buyers
Help for citizens, residents, visa holders, and foreign nationals alike.
A clear step-by-step process, no pressure
Know what to expect at each stage, with no obligation to commit.
Who we help
Buyers across South Florida and from around the world.
First-time buyers
Guidance through every step, from pre-qualification to closing day.
Foreign nationals & international buyers
Specialized programs for non-U.S. residents purchasing in Florida.
Investors
Financing options for rental and investment properties across the state.
Self-employed buyers
Solutions that work for business owners and variable income.
Neighborhoods we serve
Communities across the greater Miami area.
Brickell
Downtown high-rise living along Biscayne Bay.
Coral Gables
Tree-lined streets with Mediterranean charm.
Miami Beach
Oceanfront condos and art-deco character.
Doral
Family-friendly with golf and modern homes.
Wynwood
A vibrant arts and dining district.
Aventura
Upscale condos and premier shopping.
Loan options we can explore
We'll help you understand which programs may fit your situation.
Conventional
Flexible terms for buyers with steady income and solid credit.
FHA
Lower down payment options for qualified buyers.
VA
Benefits for eligible veterans and active-duty service members.
Foreign National loans
Programs designed for non-U.S. residents buying in Florida.
DSCR / Investor loans
Financing based on property cash flow for investors.
What you'll need to get started
A few common documents help move things along.
Typical documents
- Government-issued ID
- Proof of income
- Recent bank statements
- Tax returns or work history
- Authorization for a credit review
For international buyers
- Valid passport
- Proof of funds and source of funds
- Foreign credit or reference letters, if available
Requirements vary by lender and program.
Miami, FL
About Jhon Piedrahita
Jhon Piedrahita is a Miami-based Realtor helping buyers and investors navigate the Florida market. From first-time buyers to international clients, his team provides clear guidance and bilingual support through every step of the process.
Bilingual support available — English and Spanish.
Home buying tips
Quick, general guidance to help you prepare.
Steps from pre-qualification to closing
Pre-qualification gives a quick snapshot of where you stand. From there, gathering documents and working with a lender moves you toward a formal approval and closing day.
Tips for buying as a non-U.S. citizen
Several programs are available for residents, visa holders, and foreign nationals. Having your documents and proof of funds ready can make the process smoother.
Frequently asked questions
No. This pre-qualification is a quick self-assessment and does not pull your credit. A formal credit check only happens later, with your permission, if you choose to move forward.
There are loan programs designed for permanent residents, visa holders, and foreign nationals. Eligibility depends on your status, income, and the property.
It varies by program. Some options allow a lower down payment, while others may require more. We'll review what may fit your situation.
The pre-qualification quiz takes about two minutes. A full pre-approval timeline depends on your documents and the lender.
Yes. The pre-qualification quiz and initial consultation are free, with no obligation.
Ready to find out where you stand?
Take the 2-minute pre-qualification quiz.
Your Florida home starts here.
Take the free 2-minute quiz and talk with Jhon's team — no obligation.