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If you buy a home in Miami-Dade and assume the property taxes will stay close to what the seller paid, you’re setting yourself up for an ugly surprise. Miami-Dade’s Property Appraiser warns buyers directly: a change in ownership may reset assessed value to full market value, which can raise taxes.

A low appraisal in Miami is common when prices move faster than comparable sales, when a property is unique, or when buyers overbid in competitive neighborhoods. The lender doesn’t care what you offered. They lend based on appraised value. If the appraisal comes in low, you have an “appraisal gap”

In Miami, a condo can be “perfect” and still be unwarrantable—meaning it doesn’t meet Fannie Mae/Freddie Mac condo project eligibility for standard conventional financing. That doesn’t automatically kill the deal. It just changes your financing path, your down payment, and your timeline. Here’s what makes a condo unwarrantable, how to

If you’re buying in Miami, a rate lock isn’t a “nice-to-have.” It’s a risk management decision that can save (or cost) you thousands. Most buyers get this wrong by treating it like a guess about the Fed. Don’t. Treat it like protecting your budget and your closing date. Here’s how

In Miami-Dade, your flood zone isn’t trivia—it can change your monthly payment, your cash-to-close, and sometimes your ability to close on time. Lenders don’t “prefer” flood insurance. In many cases, they’re legally required to make sure it’s in place before funding. Here’s how FEMA maps drive the outcome and what