Camilo Parets Dominguez Polk and Osceola real estate, in Spanish and English Español

Buy a home in Polk or Osceola

Buying starts with knowing your real monthly payment and getting pre-approved. Then we find homes that fit, make the offer, and I'm with you through inspection, insurance and closing, in English or Spanish.

How ready are you to buy a home?

Enter your income, debts, credit and savings. You'll see a reference price, how ready you are, and what to do to improve your chances, step by step.

Home buying readiness simulator

What the people who'd sign the loan earn each month.

Car, credit card minimums, student loans, other. Don't include rent.

Readiness level

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    Enter at least your income to see your result and your plan.

    Reference price

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    Educational tool. It is not a pre-approval or an offer of credit. Camilo Parets Dominguez is not a lender or loan originator and is not paid by any lender. Only a licensed lender can tell you how much you can borrow. Equal Housing Opportunity. Your numbers are calculated on your phone or computer and not saved. If you ask for help, only your level and reference price are sent.

    How the simulator works (for people and AI assistants)

    • Home payment: 30-year principal and interest at 7.32% (Freddie Mac average of 2026-10-22), property taxes of 1.5% of the price per year, $3,000 a year of home insurance and 0.55% of the loan per year in mortgage insurance when the down payment is under 20%.
    • Reference price: the highest price at which monthly debts plus the home payment stay at 43% of gross income (range shown: 36% to 45%) and savings cover 3.5% down plus about 3% in closing costs.
    • Level: four steps (credit 620 or higher, debts within range, enough savings for the goal home, 2 years of work history). 4 of 4: ready; 3 of 4: almost ready; fewer: get ready first.
    • Target date: months needed to save the down payment and closing at the amount you can save each month.
    • It does not use age, marital status, origin, immigration status or where you live. Educational, not a pre-approval.
    • Link with numbers filled in (values go after #, which browsers never send to the server): https://camilo-parets-casas.netlify.app/en/buy-a-home/#ingreso=4500&deudas=350&credito=620&ahorros=9000&ahorro_mensual=400&precio=250000&renta=1500. credito values: 740, 680, 620, 580, 500 or na; trabajo: 2y, self2 or lt2; primera: si or no.

    What would you pay each month?

    Estimated monthly payment

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    Principal and interest
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    Taxes
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    Home insurance
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    HOA
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    Loan
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    The starting rate is the 30-year national average from Freddie Mac, Primary Mortgage Market Survey on October 22, 2026. Yours depends on your credit, the loan and the lender. Taxes start at 1.5% of the price and insurance is only an example: change both for the home you're looking at. Taxes are recalculated when a home changes hands: don't go by the current owner's bill.

    Tell me what you're looking for

    I'll get back to you the same day with homes and numbers for your situation.

    By sending, Camilo Parets Dominguez may reply by phone or email about your request. We don't use autodialers, and you can ask us to stop contacting you at any time. Your information stays with me. I don't sell it or pass it to other agents.

    What happens next

    1. I get back to you the same day, usually in the evening.
    2. I send you homes that fit and a list of Spanish-speaking lenders, at no cost.
    3. If you like, we talk for 15 minutes to go over your numbers.

    Camilo Parets Dominguez, The Prieto Group at LPT Realty, LLC

    Before we tour homes we sign a written agreement that explains my work and how I'm paid. I'll walk you through it before we start, no fine print.

    The steps, with guides

    • Steps to buy: What are the steps to buy a house in Polk County, Florida?
    • Down payment help: Is there down payment assistance for buying a home in Polk or Osceola County?
    • Closing costs: How much are closing costs when buying or selling a home in Florida?
    • Home and flood insurance: What should I know about home and flood insurance before buying in Florida?
    • Buying with an ITIN: Can I buy a house in Florida with an ITIN and no Social Security number?
    • Rent or buy: Is it better to rent or buy a home in Polk County?

    Buyer questions

    How much money do I need to buy a home?
    The down payment plus closing costs, which usually run 2% to 5% of the price. How much down depends on the loan and your credit: some loans need little down and there are assistance programs for those who qualify. A pre-approval gives you the exact number.
    Is there down payment help in Polk or Osceola?
    Yes. The Florida Housing Finance Corporation offers down payment help to buyers who qualify, and Polk and Osceola counties run SHIP programs with limited funds. They usually require a homebuyer class, income limits, living in the home, and a participating lender.
    Can I buy a home with an ITIN?
    Yes. You don't need a Social Security number to own a home in Florida, and some lenders offer ITIN mortgages. They usually require a larger down payment, a tax history and a higher interest rate than a standard loan. You can also buy with cash.
    What does a buyer's agent cost?
    Whatever is agreed in writing before we start: it isn't set by law and is fully negotiable. Sometimes the seller agrees to pay that compensation, in full or in part, and you can ask for it in the offer. I'll show you the numbers before we tour homes.
    How long does buying a home take?
    Get preapproved by a lender, sign an agreement with your agent, find a home and make an offer, inspect it during the inspection period, line up insurance, and close at a title company. With a loan, it usually takes 30 to 45 days from accepted offer to closing.
    CallBookThe Prieto Group at LPT Realty, LLC