David Cruz, MLO NMLS #2006941

04/13/2024

Introducing a charming two-story townhouse in the gated community of Emerald Lakes. This immaculate home features a fenced-in patio, accordion shutters, and a metal impact front door for added security. Inside, enjoy updated kitchen cabinets, quartz countertops, and stainless steel appliances. The e...

09/21/2023

**NEW LISTING ALERT**

3 bedroom / 2.5 bath $340,000

1201 Waterview Cir Unit 12A, Palm Springs, FL 33461 is for sale. View 29 photos of this 3 bed, 3 bath, 1500 sqft. townhome with a list price of $340000.

06/22/2023

Now, ALL employees of Florida based companies are eligible!

Up to $35,000 in Down Payment Assistance for First Time Home Buyers in Florida!

Find out if you are eligible TODAY before the money runs out!

06/01/2023

Hello, June! You brought the sunshine (and LOTS OF RAIN! 😅), but I’m here to make your financial forecast just as bright! Let’s mow down these mortgage rates together. 🏠💰☀️

05/29/2023

Always remember.

04/30/2023

Thank you, .c.cunningham for the memorable night!! raised $350,000 for Dreyfoos School of the Arts.

04/21/2023

If you want to experience significant progress toward your goal, you need to be intentional about the work you’re doing every day…. And remember, fight for your dreams, and your dreams will fight for you! 💪👊

04/09/2023

Did you know Easter is the best time to buy an investment property?

Real estate investors are aware that good timing can lead to fantastic opportunities. And while the spring real estate market is traditionally considered a peak time for selling properties, the Easter holiday is actually an exception. it’s time to take action!

Take advantage of the time you have now and start looking for deals in [your city / or neighborhood of choice]

Looking to get your deal financed? DM me to get started!

04/07/2023

financing a home purchase – it’s like trying to salsa dance through a labyrinth with a blindfold on 😵💰 With so many options to choose from, it’s no wonder you might feel like you’re swimming in a whirlpool of financial jargon. 🌪️🤯
But fear not, Your trusty guide is here, armed with insider knowledge on the many financing flavors that await:

🔑 Conventional Mortgage The classic, crowd-pleasing option – a fan favorite for homebuyers. This loan offers tantalizingly competitive interest rates that’ll leave you craving more.

🔑 FHA Loans Enter the underdog, a government-insured mortgage for buyers with credit scores that may not dazzle but still shine bright. With lower down payment requirements, it’s an FHA-lover’s dream come true.

🔑 VA Loans Loans fit for heroes! These mortgages, tailored for veterans and active-duty military personnel, boast low-interest rates, zero down payments, and a salute-worthy ease of qualification.

🔑 USDA Loans The rural romantics’ delight – government-backed loans for those seeking a suburban or countryside haven. With relaxed credit score requirements and low down payments, it’s a breath of fresh air.

🔑 Jumbo Loans For those with grandiose aspirations, these loans cater to home purchases exceeding the limits set by Fannie Mae and Freddie Mac. Be prepared for higher interest rates and a more discerning entry criteria.

🔑 Bank Statement Loans Allows self-employed to apply for a home loan without having to provide pay stubs & W-2's for the past two years.

🔑 DSCR Loans Also known as Investment Property Loans. Get qualified on your property's rent instead of your income!

So, before you plunge headfirst into the loan ocean, be sure to familiarize yourself with the lifebuoys at your disposal.

After all, discovering your dream home is only half the battle – securing the ideal loan is the cherry on top! 🏠🍒

04/05/2023

Ah, credit score – the mysterious number that can make or break your dreams of homeownership! You see, your credit score is like the golden key that unlocks the door to favorable mortgage terms. A higher credit score whispers sweet nothings into a lender’s ear, making them more inclined to offer you lower interest rates. In this enchanted world of mortgage financing, lower interest rates translate to more manageable monthly payments.

On the other hand, a credit score that’s seen better days might have lenders furrowing their brows, contemplating the risks involved in lending to you. Consequently, they may offer higher interest rates to counterbalance their concerns. Alas, with higher interest rates come higher monthly payments, potentially cramping your lifestyle or putting your budget in a straitjacket.

So, dear aspiring homeowner, take good care of your credit score – it’s the magical elixir that can make the difference between a monthly payment that feels like a gentle breeze or a howling storm.

04/03/2023

Ah, the eternal question: “Am I financially capable of affording a home?” Allow me to don my financial guru hat and serve you a slice of fiscally responsible wisdom, sprinkled with wit, of course.

🗝 First, my dear aspiring homeowner, do the math!
Calculate your income, expenses, and future avocado toast consumption. Ensure your debts aren’t throwing a wild party in the corner, and your credit score isn’t sulking in a time-out

🗝 Next, channel your inner squirrel and save, save, save!
Embrace the art of frugality (yes, that means skipping a few lattes) and watch your down payment fund flourish.

🗝 Finally, grab your calculator, sharpen your budgeting skills, and embark on the great homeownership adventure with confidence!

Remember that the real estate rollercoaster can be thrilling, but only if you’re strapped in with a solid financial plan 

Have any questions? DM me and let’s chat. 😁

04/01/2023

Happy April Fool’s Day! When it comes to buying ( or financing ) your dream home, sometimes it seems hard to tell the myths from reality. There is so much bad advice floating around, and even the good advice doesn’t always apply to every location or type of home.

This April Fools’ Day…..Don’t be fooled by these home-buying myths‼️

🔸 Myth: You Need a Ton of Cash to Buy a Home
✔️ Fact: There once was a time when you needed a 20% down payment to even consider buying a home. But today, if you want to lock down a decent rate, you would be able to do so with as little as 3.5% down. There are loan programs that let you put as little as zero down. The 20% tradition is a hold-over from decades ago. Let go of that and other myths, and you’ll find a whole new world of options opening up for you.

🔸 Myth: You Need Perfect Credit to Buy a Home
✔️ Fact: The reality is that while a higher credit score generally allows for a more favorable interest rate, it doesn’t mean that poor credit is an insurmountable hurdle. There are many options available for buyers of all incomes and credit tiers. Talk to your lender and if you hear “no,” keep looking! Sooner or later you’ll find the perfect match for your unique situation.

▪︎ Conventional ▪︎ FHA ▪︎ VA ▪︎ Jumbo
▪︎ Reverse ▪︎ Bank Statement
▪︎ Investor Cash Flow