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Home buying · Miami-Dade

You've been looking at homes.Now see if you canbuy one.

60 seconds. You leave with a yes, or the exact list of what's missing: the letter, the closing money, or your credit.

No Social Security.No credit pull.No pressure.
A number isn't the end

A number doesn't tell you
if you can buy.

A calculator tells you what you could pay. It doesn't tell you if the bank will say yes. That's what we check.

60 seconds, with what's already in your head.
No documents.

Who it's for

For people
who want to buy
without going in blind.

01

You don't know what comes first

Savings, credit, closing costs, the bank's letter. You know something's missing. You just don't know where to start.

02

Everyone told you something different

The bank, the internet, family. Lots of opinions, little clarity. Opinions don't run things here.

03

You want a clear signal first

Before another form, another call, or another Saturday looking at homes, you want to know if it's worth it.

How it works

Three steps.
One answer.

Five questions. None of them needs a document.

See if I can start
01

Answer five things

Price, savings, when, whether you have the letter, and how your credit's doing. All in ranges.

02

See the verdict

You can make an offer, or something's missing. And if it's missing, you know what and how much.

03

We go get what came up

Leave your number and we call you in the window you pick: to see homes, get the letter, or apply for the assistance.

If not today

If not yet,
we go get what's missing.

Whether it's the letter, your credit, or part of the closing, you know where to start. And if it's money, we tell you about every Miami-Dade assistance program that opens.

See if I can start
01

You're missing the letter

We request it together, without you having to find who.

02

You're missing part of the closing

Miami-Dade has assistance almost nobody knows how to use. We do: we tell you about each one that opens, with its amount and where to apply.

03

Your credit goes first

What to move first, and how long it takes to improve.

And when you can, we go see homes.

Frequently asked

What you need to know.

Everything else we answer by phone. The first part takes 60 seconds.

See if I can start
No. To get started we don't ask for Social Security, we don't pull your credit, and we don't access your bank accounts.
We call you, not a salesperson. When you leave your number we call you in the time window you chose, to talk through your result. You can ask us to stop at any time.
On screen, the verdict: you can make an offer, or what's missing and how much. And if it's money, for the next three months we text you about each Miami-Dade assistance program that opens.
The gap between what you have saved and what you need to close. And if something's missing, which Miami-Dade program fits you, which is the thing no calculator tells you.
Umbralio was built by Nelson Paredes, a Realtor® with an active Florida license. It's made for Miami-Dade buyers who want to know if they can buy yet, before heading out to see homes.
No. Umbralio doesn't approve loans or give financial advice. It tells you whether it's worth going to the bank now, or what to move before you go.
Ready to start

Next Saturday, see homes you can already buy.

No credit pull.
You choose when we call.