Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
The perfect opportunity to renovate
— Facts & features
Interior
- First Floor Entry
- Cottage
- Separate Guest/In-Law Quarters
Exterior
- Open Balcony
Appliances
- Dryer
- Microwave
- Refrigerator
- Washer
Cooling & heating
- Central Air
- Central
Flooring
- Ceramic Floor
- Clay
Parking
- Covered
View
- Garden
Construction & roof
- Concrete Block With Brick
- CBS Construction
- Other
— Assigned schools
Elementary
Sunset
Middle
Ponce De Leon
High
Coral Gables
School assignments should be independently verified.
— Location
1107 Alhambra Cir, Coral Gables
— Mortgage Estimator
Estimate your monthly cost.
For a personalized quote or pre-approval, we'll connect you with one of our trusted lending partners.
Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeMiami-Dade
Miami-Dade County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $320,000
%
$1,280,000 financed· Jumbo loan
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Loan exceeds the conforming limit. Jumbo rates from portfolio lenders typically run 0.25–0.75% below the 30-yr fixed shown here.
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$11,603
Per month, all-in
Monthly breakdown
- Principal & interest$8,51273%
- Property taxes$1,65814%
- Insurance$1,43412%
Tax: From listing — annual tax of record.
Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.
Cash & qualification
- Cash at closing
- $375,473
- Income to qualify
- $498,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $103/mo and $37,039 over the life of this loan.
Over the life of the loan
- Total paid
- $3,064,167
- Total interest
- $1,784,167
- Paid off
- 2056
— Preferred lender
Talk numbers with someone who knows the market.
Vera Vita is not a lender and does not earn a referral fee on lender introductions. Rates, terms, and approval remain between you and your lender of choice.
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