Foreign Investors

If you are a foreign investor or someone who is looking to purchase a residential home within the United States, we would absolutely love to have you as our client.

Claudia Ramirez is highly experienced with the buying process for international clients and will be able to guide you through the process from start to finish. Additionally, she can help you find any necessary services in the area, including an insurer, a mortgage lender or even a good school for your kids should you choose to take up permanent residence.

Sotheby's International also has hundreds of offices worldwide that can connect you with the resources that Claudia will be able to offer, such as detailed property presentations and listing information. These office locations include Hong Kong, Buenos Aires and Riyadh.


Differences between US and Foreign Real Estate

There are many differences between the real estate buying process in the US and most other foreign countries. In the United States, all property listings are made accessible through a multiple listing service; you will need a professional, well connected and experienced agent in order to find the right property for your needs.

In the United States, the real estate commission for the sale of the property is completely paid for by the seller, after closing.

Financing

Many foreign investors choose to pay for the entire property at once using cash. This is the easiest and least complicated option available.

If you choose to finance your purchase instead, there are many options available to foreign buyers. Keep in mind that loan requirements for non-residents can be much more stringent, including larger down payments and mandatory deposits with the lending institution that must cover as much as 12 months of reserve payments.

Different lenders may offer more competitive terms, though. Claudia Ramirez can assist or refer you to a mortgage broker or lender who can help you with your financing needs.


Closing

Closing refers to the act of finishing the terms of the property purchase, including any necessary up-front payments and the actual transfer of the property deed. The closing process in the US must follow a strict procedure, and having an experienced attorney to represent you is a must. You do not have to be physically present in the US to close as long as you have granted your representing agent Power of Attorney.


Insurance

Property insurance is highly recommended, especially in Florida. Some lenders may require that you insure your property as a term of the loan.

Insurance coverage varies greatly according to the policy, with some properties requiring multiple policies in order to adequately protect against all hazards. Claudia Ramirez can refer you to reputable insurers that will be able to meet compliance for loan terms or for your personal needs.


Due Diligence

Unlike retail item purchases, the laws protecting buyers of US real estate are usually contingent on the buyer's due diligence. The phrase “due diligence” refers to the act of using adequate preparation before entering a sale. Some examples of due diligence include:

• Inspecting the property for signs of defects or damage
• Discovering any latent utility issues that did not arise with previous owners
• Investigating the condition of the neighborhood, including amenities and anticipated development
• Learning how the property's view may be affected in the future by ongoing development or landscaping
• Researching applicable local covenants; these may restrict activities such as operating a business from home, having too many pets or some types of remodeling

When commercial real estate is concerned, there are even more actions a buyer must take in order to protect himself from making an undesirable transaction. These actions can include an engineering inspection and a financial audit of the buyer's accounts.

Claudia Ramirez can assist foreign buyers in exercising their due diligence by referring qualified and experienced home inspectors as well as attorneys that specialize in real estate and tax law. Your purchase should be protected by as much care and caution as possible to ensure that you will be able to enjoy your property.


Taxation

Tax liability will vary greatly depending on any tax treaties your home country may hold with the US. Consulting a local tax advisor as well as an experienced accountant will be necessary to prepare you for the tax-related responsibilities you will face as a result of your real estate purchase.

Claudia Ramirez can refer you to many highly knowledgeable specialists to anticipate any property-related tax costs. Many US tax policies are extremely friendly towards foreign investors, offering them special rates and deductions.

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.content{color:#FFF;font-size:12px;line-height:14px;text-align:center;padding:2px 0;margin:0;} /* END OF THUMBNAIL CAPTION */ /* THUMBNAIL SCROLLER ARROWS */ div.slider .thumbnail-scroller .arrows a{background:url(assets/images/arrows_small.png) no-repeat;width:22px;height:30px;} div.slider .thumbnail-scroller.vertical .arrows a{background:url(images/arrows_v_small.png) no-repeat;width:30px;height:22px;} div.slider .thumbnail-scroller.horizontal .arrows a.previous{left:0;} div.slider .thumbnail-scroller.horizontal .arrows a.next{right:0;background-position:-22px 0;} div.slider .thumbnail-scroller.vertical .arrows a.previous{top:0;} div.slider .thumbnail-scroller.vertical .arrows a.next{bottom:0;background-position:0 -22px;} /* END OF THUMBNAIL SCROLLER ARROWS */ /* THUMBNAIL SCROLLER BUTTONS */ div.slider .thumbnail-scroller .buttons a{background:url(assets/images/buttons_small.png) no-repeat;background-position:0 0;width:11px;height:12px;margin:2px;} div.slider .thumbnail-scroller .buttons a.over{background-position:-11px 0;} div.slider .thumbnail-scroller .buttons a.select{background-position:-22px 0;} /* END OF THUMBNAIL SCROLLER BUTTONS */ /* THUMBNAIL SCROLLER SCROLLBAR */ div.slider .thumbnail-scroller.horizontal .scrollbar{margin-top:30px;} div.slider .thumbnail-scroller.vertical .scrollbar{margin-left:30px;} /* END OF THUMBNAIL SCROLLER SCROLLBAR */</style><table width="720" cellpadding="1" cellspacing="2"><tr><td colspan="4" class="celltext" align="right" height="25" valign="middle"><a onClick="self.status='';return true;" onMouseOver="self.status='Return to the previous page';return true;" onMouseOut="self.status='';return true;" href="javascript:window.history.back()">< Back</a></td></tr><tr><td colspan="2" class="celltextBOLD">Personal Information:</td><td colspan="2" class="celltextBOLD">Optional Information: </td></tr><tr><td width="20%" class="celltextcolor" align="right">*First Name:</td><td width="25%" class="celltext"><input name="FirstName" type="text" class="srhBox" size="20"></td><td width="20%" class="celltextcolor" align="right">Address:</td><td width="25%" class="celltext"><input name="Address" class="srhBox" size="20" maxlength="100"> </td></tr><tr><td width="20%" class="celltextcolor" align="right">*Last Name:</td><td width="25%" class="celltext"><input name="LastName" type="text" class="srhBox" size="20"></td><td width="20%" class="celltextcolor" align="right">City:</td><td width="25%" class="celltext"><input name="City" class="srhBox" size="20" maxlength="100"> </td></tr><tr><td width="20%" class="celltextcolor" align="right">*Email Address:</td><td class="celltext" class="text"><input name="Email" type="text" class="srhBox" size="20"></td><td width="20%" class="celltextcolor" align="right">State/Province:</td><td class="celltext"> <select name="State" id="state"><option value="" selected>Select One</option><option value="AK">Alaska</option><option value="Az">Arizona</option><option value="AR">Arkansas</option><option value="CA">California</option><option value="CO">Colorado</option><option value="CT">Connecticut</option><option value="DE">Delaware</option><option value="FL">Florida</option><option value="GA">Georgia</option><option value="HI">Hawaii</option><option value="ID">Idaho</option><option value="IL">Illinois</option><option value="IN">Indiana</option><option value="IA">Iowa</option><option value="KS">Kansas</option><option value="KY">Kentucky</option><option value="LA">Louisiana</option><option value="ME">Maine</option><option value="MD">Maryland</option><option value="MA">Massachusetts</option><option value="MI">Michigan</option><option value="MN">Minnesota</option><option value="MS">Mississippi</option><option value="MO">Iowa</option><option value="MT">Montana</option><option value="NE">Nebraska</option><option value="NV">Nevada</option><option value="NH">New Hampshire</option><option value="NJ">New Jersey</option><option value="NM">New Mexico</option><option value="NY">New York</option><option value="NC">North Carolina</option><option value="ND">North Dakota</option><option value="OH">Ohio</option><option value="OK">Oklahoma</option><option value="OR">Oregon</option><option value="PA">Pennsylvania</option><option value="RI">Rhode Island</option><option value="SC">South Carolina</option><option value="SD">South Dakota</option><option value="TN">Tennessee</option><option value="TX">Texas</option><option value="UT">Utah</option><option value="VT">Vermont</option><option value="VA">Viriginia</option><option value="WA">Washington</option><option value="DC">Washington DC</option><option value="WV">West Virignia</option><option value="WI">Wisconsin</option><option value="WY">Wyoming</option></select> </td></tr><tr><td width="20%" class="celltextcolor" align="right">*Phone Number:</td><td class="celltext"> <input name="Phone" class="srhBox" size="20" maxlength="15"></td><td width="20%" class="celltextcolor" align="right">ZIP/Postal Code:</td><td class="celltext"> <input name="ZipCode" class="srhBox" size="10" maxlength="10"></td></tr><tr><td colspan="1" class="celltextcolor" valign="top" align="right">Comments:</td><td width="" valign="top" class="celltext" colspan="3"></td></tr><tr><td height="" colspan="4" class="celltext"> </td></tr><tr><td colspan="4" class="celltextBOLD">Property Information:</td></tr><tr><td colspan="2" class="celltextcolor">Why are you moving?</td><td colspan="2" class="celltext"><input class="srhBox" name="Whyareyoumoving" size="30"></td></tr><tr><td colspan="2" nowrap class="celltextcolor">Do you own your current home or are you renting?</td><td colspan="2" class="celltext"><select class="srhBox" name="RentorOwn" size="1"><option selected>Rent</option><option>Own</option></select></td></tr><tr><td colspan="2" class="celltextcolor">How many people will be living in this home?</td><td colspan="2" class="celltext"><select name="Howmanyfamilymembers" size="1"><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5+</option></select></td></tr><tr><td colspan="2" class="celltextcolor">When would you like to be in your new home?</td><td colspan="2" class="celltext"><input class="srhBox" name="Bywhen" size="30"></td></tr><tr><td colspan="2" class="celltextcolor">How many bedrooms do you need?</td><td colspan="2" class="celltext"><select class="srhBox" name="Bedrooms" size="1"><option value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5+</option></select></td></tr><tr><td colspan="2" class="celltextcolor">How many bathrooms?</td><td colspan="2" class="celltext"><select class="srhBox" name="Baths" size="1"><option selected value="1">1</option><option value="2">2</option><option value="3">3</option><option value="4">4</option><option value="5">5+</option></select></td></tr><tr><td colspan="2" class="celltextcolor">Do you need a garage?</td><td colspan="2" class="celltext"><select class="srhBox" name="Doyouneedagarage" size="1"><option selected value="NO">No</option><option>Cover</option><option>1 Car</option><option>2 Car</option><option>3 or more</option></select></td></tr><tr><td colspan="2" class="celltextcolor">What is your desired price range?</td><td colspan="2" class="celltext"><select class="srhBox" size="1" name="Price1"><option value=0 selected>Select One</option><option value=100000>$ 100,000</option><option value=150000>$ 150,000</option><option value=200000>$ 200,000</option><option value=250000>$ 250,000</option><option value=300000>$ 300,000</option><option value=350000>$ 350,000</option><option value=400000>$ 400,000</option><option value=450000>$ 450,000</option><option value=500000>$ 500,000</option><option value=550000>$ 550,000</option><option value=600000>$ 600,000</option><option value=650000>$ 650,000</option><option value=700000>$ 700,000</option><option value=750000>$ 750,000</option><option value=800000>$ 800,000</option><option value=850000>$ 850,000</option><option value=900000>$ 900,000</option><option value=950000>$ 950,000</option><option value=1000000>$ 1,000,000</option><option value=1250000>$ 1,250,000</option><option value=1500000>$ 1,500,000</option><option value=1750000>$ 1,750,000</option><option value=2000000>$ 2,000,000</option><option value=2250000>$ 2,250,000</option><option value=2500000>$ 2,500,000</option><option value=2750000>$ 2,750,000</option><option value=3000000>$ 3,000,000</option><option value=3250000>$ 3,250,000</option><option value=3500000>$ 3,500,000</option><option value=3750000>$ 3,750,000</option><option value=4000000>$ 4,000,000</option><option value=4250000>$ 4,250,000</option><option value=4500000>$ 4,500,000</option><option value=4750000>$ 4,750,000</option><option value=5000000>$ 5,000,000</option><option value=6000000>$ 6,000,000</option><option value=7000000>$ 7,000,000</option><option value=8000000>$ 8,000,000</option><option value=9000000>$ 9,000,000</option><option value=10000000>$ 10,000,000</option></select> To<select class="srhBox" size="1" name="Price2"><option value=0 selected>Select One</option><option value=100000>$ 100,000</option><option value=150000>$ 150,000</option><option value=200000>$ 200,000</option><option value=250000>$ 250,000</option><option value=300000>$ 300,000</option><option value=350000>$ 350,000</option><option value=400000>$ 400,000</option><option value=450000>$ 450,000</option><option value=500000>$ 500,000</option><option value=550000>$ 550,000</option><option value=600000>$ 600,000</option><option value=650000>$ 650,000</option><option value=700000>$ 700,000</option><option value=750000>$ 750,000</option><option value=800000>$ 800,000</option><option value=850000>$ 850,000</option><option value=900000>$ 900,000</option><option value=950000>$ 950,000</option><option value=1000000>$ 1,000,000</option><option value=1250000>$ 1,250,000</option><option value=1500000>$ 1,500,000</option><option value=1750000>$ 1,750,000</option><option value=2000000>$ 2,000,000</option><option value=2250000>$ 2,250,000</option><option value=2500000>$ 2,500,000</option><option value=2750000>$ 2,750,000</option><option value=3000000>$ 3,000,000</option><option value=3250000>$ 3,250,000</option><option value=3500000>$ 3,500,000</option><option value=3750000>$ 3,750,000</option><option value=4000000>$ 4,000,000</option><option value=4250000>$ 4,250,000</option><option value=4500000>$ 4,500,000</option><option value=4750000>$ 4,750,000</option><option value=5000000>$ 5,000,000</option><option value=6000000>$ 6,000,000</option><option value=7000000>$ 7,000,000</option><option value=8000000>$ 8,000,000</option><option value=9000000>$ 9,000,000</option><option value=10000000>$ 10,000,000</option></select></td></tr><tr><td colspan="2" nowrap class="celltextcolor">List any special features that are important to you</td><td colspan="2" class="celltext"><input class="srhBox" name="Tellmeaboutanyspecialfeatures" size="30"></td></tr><tr><td colspan="2" class="celltextcolor">Have you been pre-approved for a home loan?</td><td colspan="2" class="celltext"><select class="srhBox" name="Howyoubeenpreapproved" size="1"><option value="YES" selected>Yes</option><option value="NO">No</option></select></td></tr><tr><td colspan="2" class="celltextcolor">When is the best time for you to view homes?</td><td colspan="2" class="celltext"><select class="srhBox" name="besttime" size="1"><option value="Day" selected>Day</option><option value="Evenings">Evenings</option></select></td></tr><tr><td colspan="4" class="celltext">* By submitting this form with your telephone number you are consenting for Claudia B. Ramirez any and all authorized representatives to contact you even if your name is on the <a href="https://www.donotcall.gov/default.aspx" target="_new">Federal Do-Not-Call List</a><br><br><a href="#" onClick="window.open('custPrivacyPolicy.asp?id=3147589','Terms','scrollbars=yes,width=450,height=250')">Privacy Policy</a></td></tr><tr><td colspan="4" class="celltextcolor"><table width="15%" border="0" align="center" cellpadding="3" cellspacing="0"><tr><td width="21%"><input onClick="self.status='';return true;" onMouseOver="self.status='Click to begin search';return true;" onMouseOut="self.status='';return true;" type="image" src="images/send.gif" name="Submit"></td><td width="79%"><a onClick="self.status='';return true;" onMouseOver="self.status='Click to reset form';return true;" onMouseOut="self.status='';return true;" href="javascript:form1.reset()"><img src="images/reset.gif" border="0"></a></td></tr></table></td></tr><tr><td colspan="4" valign="top" class="celltext"><table width="100%" height="100%" border="0" cellpadding="3" cellspacing="0"><tr><td valign="top" align="center" class="textHF"><span class="textBOLD">Claudia B. Ramirez</span><br>ONE Sotheby's International Realty<br>3873 NE 163rd Street Miami Beach, FL 33160<br>phone: (786) 514-7189 <br>fax: (877) 338-1236 <br><a href="mailto:claudia@myfloridabesthomes.com">claudia@myfloridabesthomes.com</a></td></tr></table></td></tr><tr><td colspan="4" class="celltext" align="center"><a href="http://www.resionline.com" target="_blank"><img src="../megatemplate/images/resilogo.png" alt="Real Estate Web Design" width="96" height="39" border="0"></a></td></tr></table>
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