Cesar Maraver at Novus Home Mortgage NMLS # 2359723

09/08/2026

First-time buyers, your remote job might give you a homebuying advantage you haven't thought about.

If you can work from anywhere, you can buy just about anywhere, too. And searching in a lower-cost area could mean more homes within your budget. It could also mean spending less on everyday things like gas and groceries after your move.

These states are some of the spots where your money may go the furthest, but they aren't your only options. Every state has pockets with better affordability.

A local agent can match your budget and lifestyle to a shortlist of areas, whether that's a new state or somewhere closer to where you already live. Let's connect and start building yours.

09/07/2026

Remote Work Could Be Your Affordability Answer

With remote work, where you live can be your decision instead of your employer's. And that puts more affordable places within reach.

Want to explore where that could take you? Let's connect.

For most first-time buyers, the hardest part of buying a home is making the numbers work. You budget, you save, and the finish line still feels far away.

09/06/2026

Thinking About Tapping into Your 401(k) To Buy a Home? Read This First.

Affordability is definitely a challenge, but that doesn’t mean tapping your 401(k) is your only way in if you want to buy.

If you're considering using your 401(k) savings for a down payment, weigh all your options and talk with a trusted financial advisor before you make any decisions. They’ll help you make a plan to fit your goals and your budget.

Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home.

09/05/2026

🚨 NO EMPIECES POR LA CASA. EMPIEZA POR LOS NÚMEROS.

Encontrar una propiedad es fácil.

Encontrar una que realmente encaje con tu financiamiento es
otra historia. 👀

Antes de buscar, conoce tu capacidad, las condiciones del
préstamo y la estrategia que mejor se adapta a ti. 🏦📊

Así compras con claridad, no por impulso.

🌎 ¿Quieres saber cuánto puedes financiar antes de comenzar a buscar?

📲 Escríbeme y diseñamos tu estrategia.
———-
🚨 DON’T START WITH THE HOUSE. START WITH THE NUMBERS.

Finding a property is easy.

Finding one that truly fits your financing is a different story. 👀

Before you start searching, understand your borrowing capacity, loan terms, and the strategy that fits your goals. 🏦📊

Buy with clarity, not impulse.

🌎 Want to know how much you may qualify to finance before you
start looking?

📲 Message me and let’s build your strategy.

📩 César Maraver – Novus Home Mortgage
📲 +1 786-307-2993
💌 [email protected]

09/04/2026

Think New Homes Cost More? Not Right Now.

New homes may actually cost less than an existing home right now. And that’s opening up a window for you to get brand-new for less.

If you want a list of new home communities near you that are currently offering incentives or doing price cuts, let’s connect. That way you have someone in your corner helping you get the best deal possible.

Most people think a newly built home costs more than an existing one. But right now, that’s actually backwards.

09/03/2026

Why Buyers Shouldn't Overlook a Fall Move

Of course, every market moves a little differently. But here's what doesn't change: Fall consistently buyers. More homes. Lower asking prices. Motivated sellers.

If you’ve been waiting for your search to feel a little more doable, this season may be worth another look.

Let’s have a quick conversation about what's happening in our market and see whether this fall gives you opportunities you may not have had a few months ago.

You've been waiting for something to change before you buy. It just might not be the thing you expected…

09/02/2026

Sellers Outnumber Buyers Right Now

Buying soon? You’ve got more pull than you might expect. Right now, there are more sellers than buyers on the market. And that means sellers know they’ll have to give a little to get their house sold. Exactly how much negotiating power you have depends on where you’re looking. So, let’s chat about how much power you have here, then turn it into a set of keys. 

09/01/2026

🏡 ¿SABES QUÉ INCLUYE REALMENTE TU PAGO MENSUAL?

En Estados Unidos, la cuota de una propiedad no es solo capital + intereses.👀

También pueden entrar impuestos, seguro, asociación y otros costos,
dependiendo de la propiedad y del préstamo.

Y aunque existen opciones con plazos de hasta 30 años, eso no significa que tengas que mantener el crédito durante todo ese tiempo. 📊

Un plazo más largo puede ayudarte a amortizar el costo y mantener un pago mensual más manejable, según tu estrategia financiera.

🌎 ¿Eres inversionista extranjero y quieres conocer tus opciones de
financiamiento?

📲 Escríbeme y revisamos juntos qué alternativa puede funcionar para tu perfil
———
🏡 DO YOU KNOW WHAT’S REALLY INCLUDED IN YOUR MONTHLY PAYMENT?

In the U.S., your monthly payment is not just principal + interest. 👀

It may also include property taxes, insurance, HOA fees, and other costs, depending on the property and loan.

And while some options offer terms of up to 30 years, that doesn’t mean you have to keep the loan for the full term. 📊

A longer term can help spread out the cost and keep your monthly payment more manageable, depending on your financial strategy.

🌎 Are you a foreign investor looking for financing options?

📲 Send me a message and let’s explore the option that fits your profile.

📩 César Maraver – Novus Home Mortgage
📲 +1 786-307-2993
💌 [email protected]

09/01/2026

Do you realize how much pull you have right now as a buyer?

There are more sellers than buyers on the market right now. That means a lot of sellers know they’ll have to compromise a bit to get their house sold, which leaves you room to negotiate on price and terms.

Of course, exactly how much room you have depends on where you’re looking. But more and more markets are trending in favor of buyers, so let’s chat about what’s going on in our area.

Send a DM, and we’ll turn your negotiating power into a set of keys.

08/31/2026

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you’ve got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don’t necessarily have to raid your retirement to buy a home. You’ve got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.