Find the right home, with the numbers on your side.
Local agents and an in-house mortgage loan originator, working as one team from your first search to the day you get the keys.
Your agent and your lender, under one roof.
Most buyers juggle an agent and a separate lender who rarely talk to each other. With Certezza, your search, your offer strategy and your financing are planned together. You know what you can afford before you fall in love with a home, and your offer arrives with a pre-approval that sellers trust.
Mortgage services: Wil Estrada, NMLS #1733286, through LG Mortgage Corp, NMLS #1858812.
From first search to closing day
Plan and get pre-approved
We start with a conversation about what you want and what you can comfortably afford, including Florida taxes, insurance and HOA dues. Then you get a pre-approval you can shop with.
Search and tour
Every active listing, new construction and, for registered buyers, off-market homes. We tour with you and tell you what we see, including what the listing photos don't show.
Make a strong offer
Pricing backed by recent comparable sales, terms that protect you, and financing already lined up, so sellers take your offer seriously.
Inspect, appraise, finance
We coordinate inspections, the appraisal, insurance and the loan, and keep every deadline in your contract on track. For condos, we review the association documents, milestone inspection and reserve study with you.
Close and move in
We review the closing figures with you before the closing date and walk you through signing day. Then we're still here for whatever you need next.
Every kind of home
Single-family homes
From first homes to estates, in established neighborhoods across South Florida and beyond.
Condos and townhomes
Brickell, Miami Beach, Aventura and more, with careful review of association finances and Florida's condo safety rules.
Investment property
Rental analysis, cash flow and multi-family opportunities, with financing to match.
Waterfront and luxury
Waterfront, gated and luxury homes, with discreet, attentive service.
First-time buyers
Step-by-step guidance, including down payment assistance programs you may qualify for.
Read before you buy.
Short, practical guides on financing, condo documents, inspections and negotiating, written for South Florida buyers.
Buying FAQs
How much do I need for a down payment?
It depends on the loan. Conventional loans start at 3 to 5% down, FHA loans at 3.5%, and VA loans can be 0% for eligible veterans. Our mortgage loan originator can show you the options that fit your situation.
How long does it take to buy a home?
From accepted offer to closing usually takes 30 to 45 days. Getting pre-approved and finding the right home can add a few weeks to a few months.
Do I need to be pre-approved before I look at homes?
It isn't required, but it's strongly recommended. A pre-approval tells you your real budget and shows sellers your offer is serious.
How is the buyer's agent paid?
Since August 2024, buyers sign a written agreement with their agent before touring homes. It states how much the agent is paid and who pays it. Compensation is negotiable, and sellers often agree to cover some or all of it as part of the offer. We explain every option at our first meeting.
Which areas do you serve?
We help buyers throughout Florida and specialize in South Florida: Miami-Dade, Broward and Palm Beach counties.
Start with a free buyer consultation.
We'll talk about what you want, what you can afford and how the process works, with no obligation.