Articles
Real answers to real questions.
These guides answer the questions Florida buyers and sellers ask most: closing costs, home inspections, down payments, pricing, and the state of the market. Written by Ruth Rivera, Broker Associate with Coldwell Banker Realty, in plain language, with the numbers spelled out.
September 18, 2026
Do You Really Need 20% Down to Buy a Home?
FHA accepts 3.5%, VA accepts zero, and many conventional loans work with 3%. Here are the real minimums.
Read the article
September 16, 2026
Is Now a Good Time to Buy or Sell in Florida?
Florida's market has moved toward balance. What the latest data means for buyers and sellers.
Read the article
September 11, 2026
What a Home Inspection Actually Covers
A plain-language tour of the report, and the Florida checks buyers add on top.
Read the article
September 8, 2026
The Biggest Mistakes Sellers Make When Pricing a Home
Pricing is a strategy, not a wish. The common mistakes and how a good agent avoids them.
Read the article
September 4, 2026
How Much Are Closing Costs in Florida, Really?
Buyers typically pay 2% to 5% of the price. Here is what that means in dollars.
Read the article
Have a question not listed here?
Ruth answers personally, in English or Spanish. Ask her anything.
Ask Ruth