Estimate your monthly cost.
A quick projection using current South Florida rates. Includes principal, interest, taxes, and a baseline homeowner's insurance estimate. For an exact pre-approval, we work with a small panel of lenders we trust.
Estimate your monthly cost.
A quick projection using current rates. The figure includes principal, interest, taxes, and a baseline homeowner's insurance estimate. For an exact pre-approval, we work with a small panel of lenders we trust — ask the listing agent.
- Principal & interest
- $15,766
- Property taxes
- $3,000
- Homeowner's insurance
- $875
Algorithms vs. relationships.
The number above is an estimate. Your real rate depends on credit profile, down payment, loan structure, and whether the home is a primary residence, second home, or investment property. Jumbo loans (anything over $806,500 in Miami-Dade) follow different underwriting than conforming.
We've worked with the same panel of lenders for years — local Florida banks for portfolio loans, a national broker for shopping rate, and a private bank for clients with assets-under-management relationships. Each has a sweet spot. Tell us your situation; we'll point you to the right one.
Vera Vita is not a lender. We don't earn a referral fee on lender introductions — these are honest pointers.