First-Time Home Buyer Guide, Pt. 1: How to Get a Mortgage | Ep. 41

Three of the most-common hurdles to homeownership are the down payment; finding a house you can actually afford and not having sufficient credit history. In this episode we discuss 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.

What we discussed: 

• What you need to get approved
• Required documents 
• Key steps throughout the process
• Expected lead time

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. 

About Our Guest: 

Sandra Mina
Senior VP – Residential Lending - Banco do Brasil Americas

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!"
​
Contact:
Sandra Mina
NMLS#410161
Banco do Brasil Americas
1221 Brickell Ave Suite 2200
Miami, FL 33131
Main: 305-679-3318
E-mail: smina@bbamericas.com

---

---

About Us: 

The Miami Real Estate Podcast is brought to you by the Cervera Newsroom and the in-house marketing department at Cervera Real Estate, a Miami-based family owned and operated brokerage founded in 1969. 

In the Cervera Newsroom, we complement five decades of experience selling Miami real estate with talent and technology for today’s marketplace. From expertise in traditional and digital media to top-tier creative talent and innovative tech resources, Cervera's brand marketing platform is designed to ensure the success of our associates -- and the clients we serve -- in today's fast-paced, competitive marketplace. 

​To explore a real estate career with Cervera, visit CerveraCareers.com. 

Stay Connected. Stay Informed. 

Click the button below to subscribe to Miami Real Estate Podcast via Apple Podcasts or find us on your favorite podcast app, including Spotify, Stitcher and Tune-in.

SUBSCRIBE VIA APPLE PODCASTS