Jose Diaz - Loan Officer
¿Cómo comprar Casa en USA?

Buying a house in the United States is, for many of us, one of the most important goals in our lives. And is not for less. Having your own home provides security to our loved ones and constitutes the heritage for our families.

If you are thinking about giving up renting to buy your own home, but you have doubts about it, we have excellent news for you: it is possible to buy a home in the United States!

Is it easy to buy a house in USA?

Yes, because of the lack of federal restrictions on the property market, it is relatively easy to buy property in the USA whether you’re a resident or non-resident. The most complex part of the buying process is understanding the different tax laws, which can differ depending on the state you’re buying property in.

Can I buy a house in USA as a foreigner?

Non-US citizens can buy property since there is no citizenship requirement for real estate sales. In fact, foreigners can even qualify for a mortgage if they meet certain requirements. However, foreign property owners do face a more challenging tax situation than US citizens

Tips to be clear when buying:

Choosing a professional from the real estate sector: Being a foreigner, you may not be clear about how the real estate sector works in Orlando. For this reason, expert advice should be used to guide the purchase process and guide the interested party.

Have a clear budget: the price range is essential to select potential properties. The buyer must be clear about the amount of cash that can be invested, taking into account that the mortgage market in the United States finances up to 70 percent of the value of the property. With this information, investing in real estate will be much easier and will facilitate the negotiation with the seller.

Define the investment objective: knowing that there are various options on the market, it is important to know if the purchase is an investment that has an attractive return, such as a second home or a first home. The area, the size of the property, the services you want to find in the neighborhood and much more are just a few things to consider.

Carry out an inspection of the home: before the delivery of the property, an inspection is legally carried out to confirm the real state of the property.

Negotiate the amount and close the purchase: once the property is identified, the purchase interest is presented to the seller through a formal email with the buyer’s information and the pre-approval letter from the bank that will carry out the loan process .

How to get a Pre-Approval?

To be pre-approved the following documents are needed:

  • identity documentslast
  • 2 years of Taxes
  • last 30 days of Paystubslast
  • 2 months of bank statements

As you can see, the process of buying a property in the United States is a bit complex, but everything is very clear. With the advice of a professional in Mortgage, who guides and accompanies you throughout the process, you will be able to create that heritage that you have so desired for your future and that of your family.

If you are thinking of buying or refinancing a property in Miami, Florida, send me a message in the box below or click here, and I will be ready to provide you with a totally free Financial Advice.

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