Congratulations on Closing on Your New Home!
From everyone at VMA Lending — congratulations. You worked hard for this moment, and we are honored to have been part of your journey. Welcome to homeownership.
You Did It
Buying a home is one of the most significant milestones in life, and you've officially crossed the finish line. Whether this is your first home or your fifth, the feeling of getting those keys never gets old.
The VMA Lending team is genuinely grateful for your trust throughout this process. It has been our privilege to guide you from application to closing day, and we hope the experience was smooth, transparent, and reassuring every step of the way.
What to Expect After Closing
Your First Mortgage Payment
Your first payment is typically due on the 1st of the month, approximately 30–60 days after your closing date. Your closing disclosure will confirm the exact date. Set up autopay early to ensure you never miss a payment.
Welcome Packet From Your Servicer
Within a few weeks of closing, you’ll receive a welcome packet from your loan servicer. This will include your account number, payment instructions, and contact information for customer service. Keep this in a safe place.
Keep Your Closing Documents Safe
Your closing package contains important legal and financial documents. Store your signed closing disclosure, deed, and settlement statement in a secure location — you may need them for tax preparation, future refinancing, or resale.
Florida Homestead Exemption
As a new Florida homeowner, you may be eligible for a Homestead Exemption that can save you hundreds — or even thousands — of dollars in annual property taxes.
To qualify, the property must be your primary residence as of January 1st of the tax year. You must file your application with your county's Property Appraiser's office by March 1st to receive the exemption for that year.
Visit your county Property Appraiser's website to file online or learn about additional exemptions you may qualify for, such as senior, veteran, or disability exemptions.
Don't miss this deadline — it's one of the most valuable benefits of Florida homeownership.
Help Us Help Others
Leave a Review
Your experience matters. A Google review helps other families find trustworthy mortgage guidance when they need it most. If we earned your trust, we'd be grateful if you shared your experience.
Refer a Friend or Family Member
Know someone who's thinking about buying a home? Referrals are the greatest compliment we can receive. We promise to treat anyone you send our way with the same care and attention you experienced.
Share Your Achievement
You've reached a major milestone — feel free to share the good news!
Suggested message:
“I just closed on my new home! Huge thanks to the team at VMA Lending for making the mortgage process smooth and stress-free. If you're looking for a mortgage broker in Miami, I highly recommend them!”
We're Always Here for You
Whether you have questions about your mortgage, want to explore refinancing down the road, or need help with anything at all — don't hesitate to reach out.
Abel Medero, NMLS #1010813. VMA Lending, LLC, NMLS #2734596. Licensed mortgage broker, State of Florida. This is not a commitment to lend. All loan programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice. Equal Housing Opportunity.