NY Homebuyer 101 (Bilingual): Buyer Agency + Financial Readiness

Join The Moravilla Sales Team for a Bilingual Homebuyer 101 Workshop (English/Spanish) designed to help you build a practical, step-by-step homebuying strategy you can implement this year, based on your goals, timeline, and financial readiness.

This workshop is proudly supported by our lender partner and sponsor, Juan Cueto, Mortgage Business Development Officer at EastWest Bank, who will be participating in the session to provide real-world lender insight. Juan will help break down what lenders look for in today’s market, which documents matter most, common approval delays to avoid, and how to strengthen your financial profile so you can move forward with confidence.

Our mission is to empower our communities through real estate by offering bilingual monthly and quarterly tools, workshops, and consultations that support generational wealth and help disrupt the wealth gap impacting minority communities. In New York, the homeownership gap remains stark. State Comptroller reporting shows that in 2021, 67% of White households owned their homes, compared to 34% of Black households and 29% of Hispanic households.

NAR’s 2025 Snapshot of Race and Home Buying in America also underscores persistent disparities and the continued need for education and support for historically underserved buyers.

We’re licensed in New York, and through our Keller Williams national & international network, once you’re fully prepped we can connect you with trusted partner agents if you plan to buy outside NY (relocation, investing, selling, or purchasing elsewhere).

• Buyer Agency 101: why representation matters, how it protects you, and how it strengthens negotiation strategy
• Financial readiness (realistic expectations):
• • What lenders typically look for (and the documents that can speed up or delay approval)
  • Down payment + closing cost planning based on co-ops, condos, and 1–3 family homes
  • Credit expectations for financing and additional considerations that can impact other aspects of the process, such as insurance, and coop board approval
  • Overview of common loan types (Conventional, FHA, VA, and other options) and how they fit different goals
• Today’s market strategy: understanding current market trends, housing prices, and budgets that support your wants vs needs
• A practical “this-year” plan: next steps customized to your timeline (0–3 months, 3–6 months, 6–12 months)

• First-time buyers and “I tried before” buyers who want clarity and a real plan
• Renters ready to move from “thinking” to “prepping” in the next 0–12 months
• Buyers considering NYC or Westchester/Putnam/Dutchess County, or those who need guidance before relocating
• Anyone who wants real numbers (not hype) around readiness, costs, and timeline

• 1-page Homebuyer Blueprint (EN/ES)
• Lender Document Checklist to start your pre-approval process the right way

Únete a The Moravilla Sales Team para nuestro Bilingual Homebuyer 101 Workshop (English/Spanish), hecho pa’ ayudarte a armar una estrategia práctica, paso a paso para comprar casa este año, basada en tus metas, tu timeline y tu preparación financiera.

Este taller está orgullosamente apoyado por nuestro lender partner y sponsor, Juan Cueto, Mortgage Business Development Officer en EastWest Bank, quien va a estar participando para darte el lender insight real. Juan va a explicarte qué están buscando los bancos en el mercado de hoy, qué documentos importan de verdad, cuáles son los approval delays más comunes que debes evitar, y cómo fortalecer tu perfil financiero para que avances con confianza.

Nuestra misión es empoderar a nuestras comunidades a través de bienes raíces ofreciendo herramientas, talleres y consultas bilingües mensuales y trimestrales que apoyan la riqueza generacional y ayudan a romper la wealth gap que afecta a nuestras comunidades minoritarias. En New York, la brecha de homeownership sigue fuerte: reportes del State Comptroller muestran que en 2021, 67% de hogares blancos eran dueños de su casa, comparado con 34% de hogares Black y 29% de hogares Hispanos. El NAR 2025 Snapshot of Race and Home Buying in America también recalca que estas disparidades siguen, y que se necesita más educación y apoyo para compradores históricamente subatendidos.

Estamos licensed en New York, y con nuestra red nacional e internacional de Keller Williams, una vez que estés fully prepped, te podemos conectar con trusted partner agents si piensas comprar fuera de NY (relocation, investing, selling o comprar en otro lugar).

• Buyer Agency 101: por qué la representación importa, cómo te protege y cómo fortalece tu estrategia de negociación.
• Financial readiness (expectativas reales):
• • Qué buscan los bancos/prestamistas y qué documentos pueden acelerar o retrasar tu aprobación.
  • Planificación de down payment + closing costs según co-ops, condos y casas 1–3 familias.
  • Expectativas de crédito para financiamiento y otras consideraciones que pueden impactar el proceso, como insurance y la aprobación del co-op board.
  • Resumen de préstamos comunes (Conventional, FHA, VA y otras opciones) y cómo encajan con diferentes metas.
• Estrategia para el mercado de hoy: entender trends actuales, precios y presupuestos que apoyen tus wants vs needs.
• Plan práctico “pa’ este año”: próximos pasos personalizados según tu timeline (0–3 meses, 3–6 meses, 6–12 meses).

• Compradores por primera vez y los que “ya lo intentaron” y quieren claridad y un plan real.
• Renters listos para pasar de “thinking” a “prepping” en los próximos 0–12 meses.
• Compradores considerando NYC o Westchester/Putnam/Dutchess County, o quienes necesitan guía antes de mudarse.
• Cualquiera que quiera números reales (no hype) sobre preparación, costos y timeline.

• Homebuyer Blueprint de 1 página (EN/ES)
• Lender Document Checklist para empezar tu pre-approval process de la manera correcta

Event Venue & Nearby Stays

2300 Eastchester Rd, 2300 Eastchester Road, The Bronx, United States

Concerts, fests, parties, meetups - all the happenings, one place.

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