A private consultation
Budget, must-haves, timing and the way you want to live. Bilal also points you to a lender for pre-approval.
For buyers · Miami & Fort Lauderdale
Buy yourMiami homewith confidence.
Tell Bilal Hamie what the home has to do for you. He narrows the neighborhoods, sets up private tours around your schedule and negotiates your offer through closing, in English or Spanish.
Call or text (305) 407-4323Monday to Friday, 9 AM to 8 PM
Commercial and residential loans are available through our trusted partners.
Start your search
Tell us what you are looking for.
Share the basics and Bilal will call within 24 hours to talk through areas, budget and timing. No obligation.
- A short list of neighborhoods that fit your commute, budget and way of life
- Homes for sale that match, sent to you as they come up
- An introduction to a lender for pre-approval
What you get
Buying with Emmar Realty.
Someone in your corner
From the first call, Bilal works to find the right home for you and to protect your interests through the offer, the inspections and the closing.
The right area first
Commute, schools, the water, flood insurance and HOA rules change from one neighborhood to the next. Bilal helps you compare them before you spend your weekends touring.
Private tours on your schedule
Tours planned around your calendar, with honest notes on each home: what works, what needs work and what to ask the inspector.
A strong offer, well negotiated
Bilal studies recent sales to help you decide what to offer, then negotiates price, credits, the inspection period and the closing date, and keeps the lender, inspector and title company on schedule.
How it works
From first call to your keys.
Four steps with the same broker, in the language you prefer.
Areas and tours
A short list of neighborhoods and homes, then private tours planned around your schedule.
Offer and negotiation
An offer backed by recent sales, negotiated on price, credits, dates and the inspection period.
Inspections to closing
Inspections, insurance quotes, the appraisal and the title work, coordinated through closing day.
Buying in Florida
What Florida buyers should know.
The rules and costs that surprise newcomers most. Bilal explains how each one applies to the homes you like.
The buyer agreement
Since August 17, 2024, agents who work with buyers through the MLS need a signed written agreement before touring homes. It spells out the services and how the agent is paid, and its terms are negotiable. Bilal walks you through it before your first tour.
Insurance and flood zones
Insurance is a real part of the monthly cost here. Standard homeowners policies do not cover flood, and lenders require flood insurance for homes in FEMA high-risk zones. Get quotes during your inspection period, and ask for the roof age, the four-point inspection and the wind mitigation report.
Condos
For a condo, ask for the association’s budget, the building’s milestone inspection and reserve study, and any special assessments. Many associations must also approve new owners before closing.
After you close
If the home is your permanent residence on January 1, apply for the homestead exemption with the county property appraiser by March 1. It lowers the taxable value of your home and limits how fast its assessed value can rise.
01How do I start buying a home in Miami?
With a consultation: call or text (305) 407-4323, or send the form on this page. Bilal will ask about your budget, timing and must-haves, point you to a lender for pre-approval and set up tours.
02Do I need a pre-approval before I tour homes?
You can start looking without one, but it is worth getting early. It tells you what you can spend, and many sellers expect a pre-approval letter or proof of funds with an offer.
03What closing costs do buyers pay in Florida?
Usually lender fees, the appraisal, inspections, the lender’s title policy, taxes on a new mortgage, and prepaid insurance and property taxes. In Miami-Dade and Broward the buyer customarily pays for the owner’s title policy too. Your lender’s Loan Estimate lists the figures.
04Can I buy in Florida if I live out of state or abroad?
Yes. Bilal plans tours around your trip, and parts of the closing can often be signed remotely. Buyers who live abroad face different financing and tax rules, and a 2023 Florida law limits some purchases by people domiciled in certain countries, so talk to a lender and a Florida real estate attorney early.
05Do you help with rentals?
Yes. Emmar Realty handles annual rentals for tenants and owners in Miami and Fort Lauderdale, as well as purchases.
Where to look
Neighborhoods we know well.
What each area is like, what the homes are and what to check before you buy.
Your next address starts with a call.
Tell Bilal what you are looking for. He replies within 24 hours, in English or Spanish.