How Do We Make It Possible?

At Paladium One we understand that buying your first home can seem complicated. That’s why we guide you step by step, from pre-approval to receiving your keys. Our team is present at every stage to answer your questions and make the process transparent and stress-free.

The 7 Steps to Your Home

1

Preparation and Consultation

We get to know each other. You schedule a free consultation where we understand your needs, budget, and goals. We explain the entire process with no obligation.

What you need:
– A clear idea of your budget
– Basic income information
– The desire to build your wealth

2

Choose Your Home

Explore the models. Visit our available homes (virtual or in-person), review floor plans, see finishes, and decide which model best fits your family.

Available options:
– Madison: 3 bed – $319,900
– Caloosa: 4 bed – $349,900
– Mia: 4 bed – $349,000

3

Contract Signing

We formalize the agreement. You sign the purchase contract that establishes price, terms, and estimated delivery date. Everything clear and in writing.

Includes:
– Agreed final price
– Home specifications
– Construction/delivery timeline
– Payment terms

4

Walkthrough / Inspection

Complete review. We do an inspection together of the property to verify that everything is as agreed. We resolve any details before moving forward.

We review:
– Construction status
– Finishes and details
– Systems (electrical, plumbing)
– Any necessary adjustments

5

Loan Application

Financing secured. We connect you with trusted lenders. You submit documents, they process your application, and you get final loan approval.

We help you with:
– Connection with lenders
– Document preparation
– Process follow-up
– Answering questions

6

Ready to Close

Everything prepared. The lender approves the final loan, the closing date is scheduled, and all legal documents are prepared for the property transfer.

At this stage:
– Final bank approval
– Closing scheduling
– Document review
– Funds preparation

7

Key Delivery 🎉

Your home is officially yours! You sign the final documents, receive the keys, and can move in. We celebrate this important moment with you.

Welcome home!
– Deed signing
– Key delivery
– Immediate access to your property
– Post-sale support available

How Long Does It Take?

From the first consultation to receiving your keys

1

Week 1-2

Consultation, model selection, and contract signing

2

Week 3-4

Loan application and approval process

3

Week 5-6

Final inspection and closing preparation

Week 7-8

Closing and key delivery – Move in!

⚡ In just 6-8 weeks you can be in your own home

Requirements to Qualify

Can I Qualify?

The requirements are more accessible than you think. Most working families qualify.

✓ Basic Requirements:
  • USA as legal country of residence
  • Credit score from 580 (FHA accepts from here)
  • Combined income: ~$70,000/year
    (Among all buyers on the loan)

💡 Don’t have perfect credit?
No problem. We have special programs and work with lenders who understand different situations.

Documents You’ll Need

Prepare these documents to speed up your process

📄

Income Documents

  • Tax Returns from the last 2 years
  • W2 or 1099 Forms from the last 2 years
  • Pay stubs from the last complete month
  • December pay stub from the previous year
💳

Financial Documents

  • Bank statements from the last 3 months
  • Bank letter (in some cases)
  • Proof of funds for the down payment
🪪

Identification

  • Valid driver’s license
  • Social Security Number
  • Proof of legal residency in USA

Additional Information

  • Employment history (last 2 years)
  • Personal references (in some cases)
  • Credit authorization

📋 Don’t have all the documents ready?

Don’t worry. We’ll help you prepare everything you need step by step.

Available Financing Programs

We work with the best lenders and have access to multiple programs

FHA

Federal Housing Administration

3.5%

Minimum down payment

✓ Credit from 580
✓ More flexible with history
✓ Ideal for first home

Conventional

Conventional Loan

3-5%

Minimum down payment

✓ Better interest rates
✓ Fewer restrictions
✓ Credit 620+

USDA

U.S. Dept. of Agriculture

0%

No down payment

✓ 100% financing
✓ Eligible rural areas
✓ Income limits

Other Special Programs:

VA Loans

For military veterans

CHENOA

Down payment assistance

Florida Bond

FL state program

Hometown Heroes

First responders

Benefits of Buying with Paladium One

🎯
Fixed Interest

Up to 30 years, your payment never goes up

💰
No Penalty

Extra payments to principal whenever you want

Fast Closing

Keys in less than 2 weeks post-approval

🤝
Free Guidance

We support you at no additional cost

How Much Longer Will You Pay for Someone Else's Dream?

Every month you hand over $2,000+ to a landlord who IS building wealth... with YOUR money. Enough is enough. Your family deserves more. At Paladium One, we turn your rent into investment, your tears into keys, and your dreams into a real address.

Request Free Pre-Approval Talk to an Advisor

📞 +1 (786) 928-4929 • 📧 crmsales@paladiumone.com