If you’re a first-time home buyer, or a foreign national seeking lending for your Miami real estate purchase, you may find the process to be quite challenging. What are the three most-common hurdles to homeownership, you ask? (1) The down payment; (2) finding a house you can actually afford; and (3) not having sufficient credit history. But, fear not, our new “First-time Home Buyer's Guide” series by the Miami Real Estate Podcast is here to help you overcome all challenges.

In this first installment of our new home owner series, we’re tackling the down payment. If you are not buying all cash, this is arguably one of the biggest challenges facing first-time home buyers or foreign nationals looking to buy in Miami. Enter: financing.

Sandra Mina, Sr. VP of Residential Lending for BB Americas sits down with us to explain mortgages. What is a mortgage? What are the different types? And what is the main difference between getting a mortgage through a bank versus a mortgage broker.

She’s breaking all that down for us, and sharing expert insight on what you need to get approved, required documents, the key steps through the process, and the lead time you can expect.

We hope you find this information helpful. If you want to learn more about mortgage options through BB Americas, contact Sandra at 305-679-3318. You can also send us your feedback or suggest a topic that you’d like us to cover by visiting our website: MiamiRealEstatePodcast.com.

About Sandra:  

Sandra Mina is the Senior Vice President of Residential Lending for Banco do Brasil Americas. She specializes in residential lending for foreign national and has been in the mortgage industry for the past 18 years. Sandra Mina has been a top producer for most of her career with established business from realtors, mortgage brokers and a growing referral base of retail customers. Sandra has a keen understanding for what foreign clients expect and the specialized attention they require throughout the lending process and consistently provides flawless service including availability and dependability for each client on every transaction.

"During my 16 years of experience in the mortgage industry, I have shared my expertise to personally assist numerous families with responsible and affordable home financing. I have an extensive background assisting first time homebuyers, high net worth borrowers, self-employed borrowers and a great deal of experience in Foreign National loans and Jumbo loans.

Integrity is the cornerstone of my business. I believe a mortgage should be about building relationships, and helping my customers achieve their home financing goals, not just a transaction. As Loan Officer, I take a consultative approach to the home loan process by customizing each home financing solution to help customers achieve their home financial goals. Many loan officers can get you a loan. My mission is to get you the right loan!"


Sandra Mina
Senior VP – Residential Lending
Banco do Brasil Americas
1221 Brickell Ave Suite 2200
Miami, FL 33131
Main: 305-679-3318
E-mail: smina@bbamericas.com

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