If you’ve kept an eye on the market, you’ll know that now is the time to buy condos and houses in Miami, Florida. Beautiful beaches, exciting nightlife, fine dining, watersports, breathtaking sea views, and other attractions have made the Miami area one of the most desired locations to purchase real estate worldwide. Whether you’re looking to explore the Everglades or walk to work at one of America’s largest financial hubs, Miami has something to offer real estate buyers.

After searching real estate companies in Miami to find the right experienced Miami real estate broker, the search for your perfect condo or home begins. Some hotspots in Miami and surrounding areas include:

South Miami real estate: Just a few miles south of Miami, “The City of Pleasant Living” offers a hometown feel with unique shops, restaurants, and other attractions.

Condos in Miami Beach: A common nightlife setting for Hollywood movies, Miami Beach, Florida is the home of Miami’s surf capital, the world-renowned South Beach. If you need a break from South Beach’s dusk-till-dawn nightclubs, you or your renters can take a stroll from your condo to admire the resort town’s Art Deco architecture, check out the yearly Art Basel show, or the many other attractions of Miami Beach.

Homes in Coral Gables: This home of the University of Miami is known for being pedestrian friendly, meaning you can enjoy the sunny weather walking to this city’s many restaurants and shops from your Coral Gables home.

Key West houses: Relax in your charming Key West bungalow after bicycling through Old Town to explore the island’s rich history. Between boat tours, watersports, and admiring sea turtles through crystal blue waters, you’ll never run out of things to do.

Working with a Miami Mortgage Company

After searching Miami, Florida houses and finding the perfect property, you’ll be eager to make it yours as soon as possible. However, many buyers lose their momentum during the financing stage due to issues with obtaining a mortgage.

After jumping through hoops filling out extensive paperwork, documenting income, and other application tasks, banks sometimes say no to applicants who do not fit their specific guidelines, even if that applicant has the financial capability to buy the home. Even pre-approved mortgages are not safe from falling through.

Why apply to a bank that will look for any reason to deny you rather than a mortgage broker that will evaluate all the options for getting the best affordable home loan for you?

Home buyers can look to Avrus Financial & Mortgage Services for the cheapest mortgage rates and get personalized attention for the long haul. Avrus can go over step-by-step your options for a doable home loan along with other services such as Miami home refinancing.

Skip the complication and count on Avrus to guide and inform you through the home financing process.

It’s every real estate fan’s dream project: after a thorough search of Miami condo investments, looking through pages of listings and attending weeks of Miami Beach real estate showings, you’ve finally found the perfect property with unobstructed views, a rooftop terrace, and easy access to one of the most famous beaches in the world. However, your dedicated search may not even be the hardest part of the real estate buying process. After all that time and effort finding the right place, you could find your project coming to a halt in the financing stage. Even if you are pre-approved and have all your resources in order, your Miami, Florida mortgage can still fall through.

What happens when banks say no?

A quick scan of the headlines will tell you all about how the mortgage lending practices of big banks have let buyers of real estate in Miami, Florida down. Besides the city’s current federal lawsuit against several large Miami banks accused of violating the U.S. Fair Housing Act of 1968, there are many reasons why banks are not always the best option for Miami home loans.

Banks may take issue with aspects like irregular income or a damaged credit history, and deny an applicant that has other reliable financial resources. Even minor mistakes on a confusing application can lead to a bank’s denial. And after making it through the complicated application process, banks don’t always give lenders the attention they deserve between larger projects and other financial investments.

But now is the time to buy! With Miami’s hot real estate market and historically low interest rates, delays in home financing can frustrate buyers eager to pounce on their dream home.

Avrus says yes!

Don’t worry—real estate buyers can look to a standout among Miami mortgage brokers for a variety of financial services, including the best rates on home loans.

Home buyers can depend on Avrus Financial and Mortgage Services for the best Miami mortgage rates. Whether you’re diving into real estate investment for the first time, already own an impressive real estate portfolio, or even looking into issues such as refinancing, Avrus offers a full spectrum of mortgage services that come with long-term dedication and individual attention to your needs.

Rather than searching for ways to deny your home loan, Avrus will help evaluate your options and look for realistic ways to achieve your financial goals. Understanding that a home is a big investment, Avrus will carefully guide you through the process with personal one-on-one services. From offerings as simple as a handy Miami mortgage calculator to complex services like finding a special loan for teachers, you can count on experienced and expertise of Avrus Financial & Mortgage Services to make your real estate dreams a reality.

It’s easy to see why Miami, Florida area is one of the most sought after real estate markets. This tropical paradise offers year-round warm weather to enjoy renowned beaches and outdoor life. You can experience South Beach’s nightlife and surfing hotspots, explore the Everglades, fish the Florida Reef, and attend the world’s largest annual art exhibition all in one exciting metropolitan area.

If you’re interested in Miami luxury condos or other homes as a rental property, or for your own enjoyment, you should act while mortgage rates Miami are low before this hot market’s prices go up. To own your own piece of paradise, you will need to consider your home financing options. You can try to obtain a mortgage from a bank or a Miami mortgage broker, however banks may deny your application based on specific eligibility guidelines that don’t necessarily mean that the applicant can’t afford the loan.

Some issues that home mortgage applicants often see when working with a big bank:

• Insufficient qualifying income. If your paychecks are irregular or you plan on financing your home with anything other than well-documented and consistent income, this can hurt your chance for approval from the bank. Those who are self-employed or receive a large bulk of income from sources like bonuses or commission may not see this income counting toward their debt-to-income ratio.
• Procedural delays. Bank guidelines typically require an applicant to provide a documented two year history of non-paycheck deposits along with a letter of explanation, which can slow down your real estate plans even if you application ends up being accepted.
• A mistake on the application. Lenders may not take the time to help applicants fully fill out complicated and long applications.
• Hopeful applicants may spend time filling out mountains of documents only to be turned down.
• Credit score. Even if you are currently in a better financial state, credit damage can cause problems with lenders that don’t take enough time looking at an applicant’s eligibility.

When Banks Say No, Avrus says Yes!

The good news is that Avrus Financial & Mortgage Services have worked with home buyers since 1982 to find them the most affordable mortgage rates and Miami refinance services. Avrus understands that not every home buyer is the same. Instead of sending you on a complicated mortgage application goose chase, Avrus will work with you every step of the way with personalized attention through the entire home financing process. You can be confident that your home financing needs will be taken care of for the lifetime of your investment.

Spicy cuisine and tropical sunshine aren’t the only things heating up the Miami area. Demand for real estate in Miami, Florida is hot, offering a great opportunity for those looking to live or invest in this destination hotspot.

The South Florida market, including Miami, Key West, Hollywood, Fort Lauderdale, and Coral Gables, is one of the few real estate markets to dramatically improve in the last few years. Even while other upscale markets still struggle to recover, demand for Miami luxury real estate grows. In addition to the option for long-term rentals, owning a rental property in the cruise capitol of the world caters to visitors who fly in to depart on world-renowned cruises as well as those who come to experience all that Miami has to offer.

With Miami real estate, you get the excitement of one of the largest urban areas in the United States with the relaxation of a beach destination. The city even earned the nickname, “The Magic City,” for its population growth.

As an international cultural hub with breathtaking ocean views, Miami has a lot to offer both the resident and tourist. Even during Miami’s warm, short winter, you can enjoy South Beach, Sunny Isles, Golden Beach, and other famous Miami beaches along with nature preserves for the ultimate outdoor adventure. You also have access to exceptional scuba diving, snorkeling, and fishing in the world’s third largest coral barrier reef, which is also the only extensive living coral reef in Continental United States.

However, Miami is famous for more than just its beautiful landscape, renowned for the city’s professional sports teams, lively casinos, fine dining, world-class nightlife, shopping, museums, and other cultural offerings.

What’s stopping you?

With so many attractions in a growing market, there’s no reason buyers should wait. Since demand continues to rise, buyers should act fast. Unfortunately, the dreams of even the most qualified buyers can get delayed while attempting to obtain a Miami mortgage. As banks focus on large commercial operations and other projects, individual buyers and other applicants may not get the attention they deserve.

Bank Says No! We Say Yes!

This is why so many Miami real estate buyers turn to the licensed, insured and bonded direct lenders and brokers at Avrus Financial and Mortgage services. When banks say no, Avrus says yes to all of your mortgage needs. Clients can look forward to a life-long relationship with Avrus, meaning you can feel confident in your Miami mortgage company’s dedication long after you’ve signed along the dotted line.

With the experience of almost one billion dollars of mortgage closings, Avrus can help you find the lowest rates for your Miami mortgage. Whether you’re a veteran real estate investor, first time buyer, or you’re interested in other mortgage services such as refinancing, Avrus Financial can help make your Miami real estate dreams come true.