Down Payment Assistance
 

Buying a home may be more within reach than you think. Many buyers are surprised to learn there are Down Payment Assistance programs designed to help with upfront costs and in some cases, even closing costs too. Whether you're a first-time buyer or returning to the market, these programs can make homeownership more affordable and accessible.

 

We work with trusted lenders who specialize in identifying available grants and assistance programs based on your unique situation. In just a few minutes, you can see what you may qualify for and take the next step toward owning your home with confidence.

Click below to explore your options and discover how much assistance you could receive. Your path to homeownership might be closer than you think.

Downpayment Assistance

The History of Real Estate

100+ years of real estate compensation explained in 2 minutes. 



Unmasking the New Transparency Rules

What You Need to Know About Agency & Compensation Changes

Welcome to Epique Realty's Buyer Representation Information Hub! This site is designed to help you understand the Buyer Representation Agreement and how it impacts your relationship with your agent. We’re here to make the process clear, transparent, and straightforward, so you feel confident every step of the way. Whether you’re new to real estate or an experienced buyer, we provide the information you need to make informed decisions and get the most out of your partnership with Epique Realty.

Before We Tour

Understanding Your Buyer Representation Agreement

A written buyer representation agreement is how an agent formally agrees to work for you. Here is a plain-language overview so there are no surprises. It is general information, and the agreement you sign is what controls.

Why It Is Required

Following the 2024 industry changes tied to the National Association of REALTORS® settlement, buyers working with a REALTOR® are asked to sign a written agreement before touring a home. That applies to in-person tours and live online or video tours. Requirements can vary by state, MLS and brokerage.

Everything Is Negotiable

Agent compensation is not set by law. The fee, the length of the agreement and how it can end are all negotiable between you and your agent. Depending on the transaction, compensation may be paid by a seller, by you, or shared.

What Our Services Include

Market guidance and neighborhood comparisons, scheduling and touring homes, pricing and offer strategy, negotiating on your behalf, and coordinating the steps from contract to closing with trusted lenders, inspectors and title partners.

How Florida Works

Florida law (Chapter 475) requires agents to disclose the type of relationship they have with you in writing. Agents may work as a single agent, as a transaction broker, or with no brokerage relationship. We will explain each so you can choose what fits.

Buying From Another State

Rules and forms differ from state to state. I work with trusted agents nationwide and can connect you with one in the area you are moving to. That agent will walk you through their state’s agreement and requirements.

Your Next Step

We review the agreement together at your buyer consultation, go through each section, and answer your questions. You are always welcome to have an attorney review any agreement before you sign.

This overview is for general education only and is not legal or financial advice. Requirements vary by state, MLS and brokerage and can change over time. The written agreement and applicable law control. Please consult a licensed attorney with legal questions. Alethea Reyes, REALTOR®, Epique Realty, License SL3513512. Equal Housing Opportunity.

Any Buyer, Any Budget

Home Payment Calculator

Planning a purchase with a mortgage, a big down payment, or mostly cash? Enter a price and see an estimated monthly cost, including taxes and insurance. Then we will refine it together in your consultation.

Paying all cash? Set the down payment to 100 to see your ongoing costs of ownership. Mortgage insurance only applies when the down payment is under 20 percent. Florida insurance and tax costs vary by home and county, so treat these as starting estimates.

Estimated monthly cost
$0
Principal & interest$0
Property tax$0
Home insurance$0
HOA / CDD$0
Mortgage insurance$0
Loan amount$0

For illustration only. Estimates are not a loan offer, quote or commitment to lend. Actual payments depend on your lender, credit, the specific property, and current taxes and insurance. Alethea Reyes, REALTOR®, Epique Realty.

The Epique Advantage

Tools Built for Today’s Buyers

Programs available through Epique Realty. Eligibility and terms vary.

Buy Before You Sell

Eligible homeowners can use equity to make a strong offer before their current home sells.

Cash Offers

Make an offer that competes like cash while you arrange financing or a sale.

Ways to Meet

Choose How You Want to Meet

Your buyer consultation is where we turn your goals into a plan. Pick what works best for you.

In Person

Meet at a convenient spot in Central Florida and walk through your goals face to face.

Book In Person

By Phone

Prefer a quick conversation? Call 407-529-9858 or book a time and I will call you.

Call 407-529-9858

By Video

Meet on Zoom or video from wherever you are, even if you are still in another state.

Book a Video Call

Good to Know

Questions Buyers Ask

How does buying a home in Florida work?

We start with a consultation on your goals and budget, get you pre-approved, tour homes, make an offer, complete inspections and close. Most purchases take about 30 to 45 days from contract to keys.

What is a buyer consultation?

A short conversation, in person, by phone or by video, where we review your goals, timeline, budget and the next steps. You leave with a clear plan.

How much should I budget beyond the down payment?

Plan for closing costs, homeowners insurance, property taxes and any HOA or CDD fees. We estimate these for each home you consider.

Can I buy before I sell my current home?

Possibly. Epique programs such as Buy Before You Sell let eligible homeowners use equity to make a strong offer. Terms vary and we review them together.

Do you help buyers moving from out of state?

Yes. Start with a video consultation and tour remotely. I also work with trusted agents nationwide and can connect you with one where you live now.

Do you serve Orange, Seminole and Volusia counties?

Yes, I know Orange, Seminole and Volusia well, and I also help buyers in nearby Lake and Osceola counties.

Alethea Reyes · REALTOR®, Epique Realty

Ready to Start Your Home Search?

Book a buyer consultation and we will turn your goals into a clear plan.

Bilingual Central Florida REALTOR® with Epique Realty. Call or text 407-529-9858. Se habla español.

Alethea Reyes · REALTOR® · Epique Realty · License SL3513512

Pursuant to the requirements of the proposed Settlement Agreement, the MLS policies and model MLS governing documents were reviewed and updated with the key changes below.



1. Eliminate and prohibit any requirement of offers of compensation in the MLS between listing brokers or sellers to buyer brokers or other buyer representatives.

2. Retain, and define, "cooperation” for MLS Participation.

3. Eliminate and prohibit MLS Participants, Subscribers, and sellers from making any offers of compensation in the MLS to buyer brokers or other buyer representatives.

4. Require the MLS to eliminate all broker compensation fields and compensation information in the MLS.

5. Require the MLS to not create, facilitate, or support any non-MLS mechanism (including by providing listing information to an internet aggregator’s website for such purpose) for Participants, Subscribers, or sellers to make offers of compensation to buyer brokers or other buyer representatives.

6. Prohibit the use of MLS data or data feeds to directly or indirectly establish or maintain a platform of offers of compensation from multiple brokers or other buyer representatives.
Such use must result with the MLS terminating the Participant’s access to any MLS data and data feeds.

7. Reinforce that MLS Participants and Subscribers must not, and MLSs must not enable the ability to, filter out or restrict MLS listings that are communicated to customers or clients based on the existence or level of compensation offered to the cooperating broker or the name of a brokerage or agent.

8. Require compensation disclosures to sellers, and prospective sellers and buyers.

9. Require MLS Participants working with a buyer to enter into a written agreement with the buyer prior to touring a home.
These policy changes were approved by the NAR Leadership Team and will be effective on August 17.

For additional information go to: https://www.nar.realtor/the-facts.

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