What kind of credit score do I need to buy a home?

Most conventional loan programs require a FICO score of 640 or better. Other types of mortgages, such as FHA or VA may consider a borrower with a credit score of 580. Borrowers with higher credit scores represent less risk to the lender, resulting in a lower down payment and a better interest rate. Borrowers with lower credit scores may need a higher down payment to counteract the lender’s risk.

When purchasing a property is an owner’s policy necessary?

Although an owner’s policy is not mandatory, it is always wise to purchase an owner’s insurance policy. Owner’s title insurance provides protection to the homeowner if someone sues and says they have a claim against the property from before the homeowner purchased it (e.g., tax liens, mechanical liens, deed errors or omissions, forgery of deed and fraud). An owner’s policy stays with the homeowner for the entire time they own the property and will remain in effect, protecting you from old claims years after you have purchased your property.

How can I avoid PMI (Private Mortgage Insurance)?

PMI (private mortgage insurance) is a type of insurance you may be required to pay for when you take out a conventional home loan to protect the lender in case you end up in foreclosure. You can avoid PMI by putting a deposit of 20% or greater.

What is an escrow agent?

A person or entity holding documents and funds in a transfer of real property. Normally the agent is an attorney, escrow company or title company.

How much is title insurance for my property?

Title premiums are based on the price of the property and are governed by state law. Click here to find out how much it would be: https://ratecalculator.fnf.com/

What is a home appraisal?

A home appraisal is a report made by a qualified person who develops an opinion or estimate of value, for real property. Lenders order an appraisal during the mortgage loan process so that there is a way to assess the home’s market value and ensure that the amount of money requested by the borrower is appropriate.

Who pays the Realtor commission and fees when buying a home?

Typically, the commission and fees are paid by the seller. The commission and fees are subtracted from the proceeds of the sale of the home.

Real Estate Law - KEW Legal®

Real Estate Law concept. Gavel on sounding block in hand's Male

Buying a home, selling a property, or handling a commercial real estate transaction comes with legal challenges that may require guidance. KEW Legal® offers comprehensive real estate attorney services tailored to meet your unique needs. Our team handles residential and commercial transactions with precision, allowing for smooth closings and legal compliance.

How We Help You

We offer personalized legal support for all types of real estate transactions, making sure your rights are protected and no detail is overlooked. Our services include:

Contract Review and Drafting: We make sure your agreements are clear, fair, and legally binding.
Title Searches and Problem Resolution: We uncover and resolve title issues before they disrupt your deal.
Closing Assistance: Maintaining a smooth process when managing paperwork and representing you at the closing table.
Dispute Resolution: We help settle property disagreements, making sure your interests are protected.
Commercial Transactions: We handle all the details and obstacles for leasing, purchasing, or selling commercial spaces.

Why Choose KEW Legal®?

We provide guidance by explaining every aspect of your real estate transaction in clear and simple terms, so you’re always informed. Our team pays close attention to every detail, making sure that nothing is overlooked in the often-complicated world of real estate law. With our knowledge, you can confidently handle your transactions, knowing your interests are fully protected.

We can assist with the following real estate matters:

Commercial and residential closings
Title insurance & examination
Opinion letters and due diligence
Phase I and Phase II environmental management
Mortgages
Refinancing
Loan document review and negotiation
Deed preparation
Commercial, retail, and residential leasing, renewals, and amendments
Commercial landlord/tenant matters
Commercial and residential evictions
Drafting and filing of condominium documents and planned developments
Land use and zoning
Permit expedition
Code or building violation resolution
Acquisitions and dispositions for foreign investors

What Happens When You Work With Us?

We start with a consultation where we take the time to understand your goals and explain how we can help. Next, we carefully review your contracts, agreements, and other paperwork to make sure your interests are fully protected.

If any issues arise, such as title defects or zoning concerns, we resolve them quickly and efficiently. Finally, when closing day arrives, we manage all the details, allowing for a smooth process and leaving you with peace of mind.

Ready to Start?

If you’re buying, selling, or leasing property, KEW Legal® is here to make the process smooth and stress-free. Let us handle the legal details so you can focus on what matters most.

Get started with a consultation today by calling (305) 990-2300 or contacting us online today. We offer services in English, Spanish, and Portuguese.

What kind of credit score do I need to buy a home?
Most conventional loan programs require a FICO score of 640 or better. Other types of mortgages, such as FHA or VA may consider a borrower with a credit score of 580. Borrowers with higher credit scores represent less risk to the lender, resulting in a lower down payment and a better interest rate. Borrowers with lower credit scores may need a higher down payment to counteract the lender’s risk.
When purchasing a property is an owner’s policy necessary?
Although an owner’s policy is not mandatory, it is always wise to purchase an owner’s insurance policy. Owner’s title insurance provides protection to the homeowner if someone sues and says they have a claim against the property from before the homeowner purchased it (e.g., tax liens, mechanical liens, deed errors or omissions, forgery of deed and fraud). An owner’s policy stays with the homeowner for the entire time they own the property and will remain in effect, protecting you from old claims years after you have purchased your property.
How can I avoid PMI (Private Mortgage Insurance)?
PMI (private mortgage insurance) is a type of insurance you may be required to pay for when you take out a conventional home loan to protect the lender in case you end up in foreclosure. You can avoid PMI by putting a deposit of 20% or greater.
What is an escrow agent?
A person or entity holding documents and funds in a transfer of real property. Normally the agent is an attorney, escrow company or title company.
How much is title insurance for my property?
Title premiums are based on the price of the property and are governed by state law.

Click here to find out how much it would be: https://ratecalculator.fnf.com/
What is a home appraisal?
A home appraisal is a report made by a qualified person who develops an opinion or estimate of value, for real property. Lenders order an appraisal during the mortgage loan process so that there is a way to assess the home’s market value and ensure that the amount of money requested by the borrower is appropriate.
Who pays the Realtor commission and fees when buying a home?
Typically, the commission and fees are paid by the seller. The commission and fees are subtracted from the proceeds of the sale of the home.

Client Success Stories

Read testimonials from clients who have trusted us to handle their legal needs.

Rodney Wilson

04/09/2025

Thankful for an easy and smooth experience! Thank you the whole KEW legal team and Chief happiness officer Mia! She made the visit great!

Zigmia. Stevens

03/25/2025

KEW Legal has been a true partner in helping us navigate the complexities of business law. Kristina provided outstanding advice on business formation, as well as assisting us with contract negotiations. Their team is always there when we need guidance, whether it’s resolving disputes or managing compliance matters. I trust KEW Legal for all of our legal needs

Bruno Dos Reis

03/19/2025

Their strategic advice helped a lot in avoiding unnecessary risks, it also ensured that our contracts were fair and in line with our goals. If you’re looking for someone who is thorough, responsive, and knowledgeable, KEW Legal is the way to go, hands down. 10/10 service!

Thomas Stevens

03/14/2025

KEW Legal made a potentially stressful real estate transaction go seamlessly. From reviewing mortgage documents to handling the title insurance and examination process, Kristina and her team ensured we had all our bases covered. I trust KEW Legal for all of our residential and commercial real estate needs, and I will certainly continue to rely on them in the future.

Marco Moreno

03/06/2025

Professional, and Knowledgeable Legal Team
KEW Legal provided outstanding legal services that exceeded my expectations. Their team was always available to address my concerns, ensuring that I was well-informed at all times. Their professionalism and efficiency in handling my case resulted in a smooth legal process. I am incredibly grateful for their assistance and highly recommend them to anyone in need of top-quality legal counsel.

Jean Paul Belmont

02/26/2025

KEW Legal and Kristina have been incredible partners in handling our company’s legal needs. From navigating real estate issues to resolving intellectual property challenges, their team is always professional, responsive, and effective. Kristina’s counsel is a game-changer for any business owner looking for reliable legal advice.

Francisco Beltran

02/22/2025

I can’t thank Denissis an Kristina at KEW Legal enough for her help during a stressful real estate transaction. Her attention to detail and ability to explain every step made the process so much easier. She’s also been fantastic in assisting with contracts for my small business. Top-notch legal support!

Rodrigo Anzures

02/07/2025

Kristina and her legal team exceeded all my expectations; from the very first consultation, their team demonstrated a deep understanding of the law and a genuine commitment to my case. They took the time to explain every detail, ensuring I felt confident and informed throughout the process. What truly sets them apart is their personalized approach—rather than feeling like just another client, I felt like a priority. Their professionalism, efficiency, and attention to detail made all the difference. If you’re looking for a law firm that combines expertise with exceptional client care, KEW Legal is the one to trust!

Valeria Ramírez

02/04/2025

Kristina and the team at KEW Legal are exceptional. Their support as general counsel for my small company has been invaluable. From handling real estate transactions to advising on litigation matters, Kristina always provides sound, practical advice. I couldn’t ask for a better partner in navigating the legal side of my business.

Mexican Bushi (JoseHinojosa)

02/04/2025

KEW Legal has been instrumental in protecting my brand. Natalie guided me through the trademark process with ease, ensuring every detail was covered. Her knowledge in intellectual property has given me peace of mind and confidence in my business. Highly recommend for anyone looking for thorough and professional legal services!

Get Trusted Legal Support Today

For straightforward legal advice and representation, contact KEW Legal®. Call (305) 990-2300 to schedule your consultation.

SCHEDULE A CONSULTATION

305-990-2300

305-990-2300

305-990-2300

Real Estate Law

How We Help You

Why Choose KEW Legal®?

We can assist with the following real estate matters:

What Happens When You Work With Us?

Ready to Start?

What kind of credit score do I need to buy a home?

When purchasing a property is an owner’s policy necessary?

How can I avoid PMI (Private Mortgage Insurance)?

What is an escrow agent?

How much is title insurance for my property?

What is a home appraisal?

Who pays the Realtor commission and fees when buying a home?

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Client Success Stories

Rodney Wilson

Zigmia. Stevens

Bruno Dos Reis

Thomas Stevens

Marco Moreno

Jean Paul Belmont

Francisco Beltran

Rodrigo Anzures

Valeria Ramírez

Mexican Bushi (JoseHinojosa)

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