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Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 6pm Saturday 9am - 6pm

Hans Avalos

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Hans Avalos, Mortgage brokers, 2901 SW 149th Avenue, Miramar, FL.

09/02/2026

A strong South Florida offer starts with more than the listing price. Before you write, look at the estimated full payment, insurance quote, HOA or condo dues, property taxes, building or association questions, flood-zone considerations, rental restrictions, and the timeline needed to close. For a condo, ask early about documents, reserves, assessments, and financing eligibility. For a single-family home, understand the roof, insurance, and maintenance picture. None of these items should automatically stop a buyer from moving forward. They should help you make a decision with open eyes. Your agent and lender can work together to identify questions before they become surprises. Save this for the next time a home catches your attention. DM me for info.

09/01/2026

A pre-approval can show what you may qualify to borrow, but it should not make the decision for you. Your comfortable payment should also account for savings goals, maintenance, lifestyle, insurance, HOA dues, commuting, future plans, and the reality that homeownership comes with surprises. In South Florida, condo dues and insurance deserve special attention because they can meaningfully affect the monthly picture. A smart homebuying plan gives you room to live, not just room to close. That is why I like to review a few price-and-payment scenarios instead of pushing one maximum number. Consider it Closed starts with a payment you can feel confident carrying. Let's build a range that supports your real life. DM me for info.

08/30/2026

Before considering a refinance, ask three questions: What is my current loan structure? What am I trying to improve? How long do I expect to keep the new loan? A refinance may change your rate, monthly payment, loan term, cash-to-close, and total interest over time. In some cases, a lower payment may come with a longer repayment timeline. In other cases, consolidating debt or changing terms may be worth reviewing. The right answer depends on your full goals, not just a rate you saw online. A no-pressure comparison can help you see the tradeoffs in plain English. Own in Miami-Dade or Broward and want a second set of eyes on the numbers? DM me for info.

08/29/2026

My job is not to pressure someone into a mortgage conversation. My job is to make the process easier to understand, identify the questions that matter, and give people a clear next step. Sometimes that means a buyer is ready now. Sometimes it means improving a credit profile, saving more reserves, waiting for business income to season, or reviewing a different property type. A good lending relationship should leave you better informed even if you are not applying today. That is the standard I bring to buyers, homeowners, investors, and Realtor partners across Miami-Dade and Broward. If you value direct answers and a practical plan, I am glad to be a resource when the timing is right. DM me for info.

08/27/2026

FHA financing can be a valuable path for eligible buyers who want flexible down-payment options and a structured route into homeownership. One important detail: loan limits are tied to the county and can change. Before you use an FHA limit in a budget conversation or a social post, verify the current figure for the property county directly through HUD. That is especially important when buyers are comparing Miami-Dade, Broward, and neighboring areas. The right number is only useful if it is current. Beyond the limit, we still need to review credit, debt, down payment, property eligibility, and the total payment. If FHA is on your list, let's look at the full picture before you shop. DM me for info.

08/26/2026

The current 30-year fixed average is 6.675%, but a headline rate is not the same as your personal loan scenario. Your available terms may differ based on credit, down payment, occupancy, property type, loan program, points, lock period, and market movement. The useful conversation is bigger than "Should I wait?" It is about your payment comfort, cash reserves, timeline, and the home you want to buy or keep. Waiting may make sense for some people; acting now may make sense for others. I can help you compare the numbers without turning a market update into a prediction. Get a current, personalized review before you make a major decision. DM me for info.

08/24/2026

For 2026, the one-unit conforming loan limit in most Florida counties, including Miami-Dade and Broward, is $832,750. That does not mean every buyer will qualify for that amount, and it does not remove the need to review income, credit, assets, property type, and loan structure. It does mean some buyers may have more conventional-financing room before needing a different loan category. For move-up buyers, this can be an important planning detail when comparing price range, down payment, and monthly payment. The loan limit is only one part of the picture, but knowing it helps frame smarter conversations. If your target price has changed, revisit the financing range before you assume the answer is no. DM me for info.

Address

2901 SW 149th Avenue
Miramar, FL
33027

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 6pm

Website

https://miramar318f.prmgapp.com/HanselAvalos.html

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