Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
SELLER MOTIVATED!! Welcome to this spacious and inviting 3-bedroom, 2-bath home situated on a generously sized, fully fenced in lot--perfect for outdoor entertaining or pets. Inside, you'll find an open and functional layout with a comfortable living area, and well-proportioned bedrooms. Whether you're looking for room to grow or space to relax, this home offers the perfect blend of comfort and potential. Conveniently located near US1 & Turnpike. A must-see for anyone seeking space, privacy, and convenience! SELLER CONTRIBUTION TOWARDS CLOSING COSTS OF $2.5K!
— Facts & features
Interior
- First Floor Entry
- Family Room
- Florida Room
Appliances
- Dryer
- Washer
Cooling & heating
- Ceiling Fan(s)
- Central Air
- Central
Flooring
- Other
Parking
- Driveway
View
- None
Construction & roof
- Other
- Shingle
— Location
220 NE 12th Ave #165, Homestead
— 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 codeBroward
Broward County (approximate from ZIP prefix).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $50,000
%
$200,000 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
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
$1,969
Per month, all-in
Monthly breakdown
- Principal & interest$1,33068%
- Property taxes$27414%
- Insurance$20410%
- HOA$1628%
Tax: Broward County effective rate (1.31%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.
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
- $62,977
- Income to qualify
- $85,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $16/mo and $5,787 over the life of this loan.
Over the life of the loan
- Total paid
- $478,776
- Total interest
- $278,776
- 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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