Home Buying, Simplified — Tradition & Port St. Lucie

Pre-qualification is a quick estimate of what you might afford based on unverified info, while pre-approval is a verified confirmation of your borrowing power — giving you stronger credibility and leverage when making an offer.

Your credit score directly impacts your mortgage rate — higher scores usually mean lower rates and monthly payments, while lower scores can lead to higher interest costs or stricter loan terms.

Closing costs are the fees and expenses due when finalizing your home purchase — like lender, title, and recording fees — and typically range from 2% to 5% of the home’s purchase price.

Yes — you can buy a home if you’re self-employed or have irregular income, but you’ll need to show at least two years of consistent income through tax returns, bank statements, or business records to prove stability to the lender.

Your monthly mortgage payment typically includes principal, interest, property taxes, and homeowners insurance — often called “PITI” — and may also include HOA fees or private mortgage insurance (PMI) if required.

It depends on timeline, incentives, and upgrades. I’ll compare total cost, HOA/CDD, and warranty so you can pick what fits your budget and move-in goals.

They vary by neighborhood and builder. I’ll give you a current breakdown for Cadence, Kenley, Verano, Riverland, and nearby communities before you tour.

Yes. I’m PSL-based and available statewide. I regularly support buyers across South Florida as well.

They change monthly. I’ll show you current offers, how rate buydowns compare to closing credits, and which option lowers your total cost most.