Buying a home in Laguna, without the guesswork

Yes — this is routine for us. You appoint a trusted representative through a Special Power of Attorney (SPA), apostilled at the Philippine embassy or consulate where you are. We do live video trippings, send documents for review before anything is signed, and your representative signs locally. Many of our OFW clients never fly home until the house is theirs.

Plan for three buckets: the down payment (usually 10–20% of the price), the reservation fee (₱20,000–₱50,000, typically deducted from the down payment), and closing costs — documentary stamp tax, transfer tax, registration, and notarial fees, which together run roughly 4–7% depending on how the deal is structured. We give you the full computation in writing before you commit to anything.

With bank financing, 45–90 days from offer to turnover is typical: 2–4 weeks for loan approval, then tax payments and title transfer. Pag-IBIG can run longer. Cash deals can close in 3–4 weeks if the title is clean. We'll give you a dated timeline at offer stage and flag delays the day we see them.

By Laguna custom: the seller pays the capital gains tax (6%) and the broker's professional fee; the buyer pays documentary stamp tax (1.5%), transfer tax, registration, and notarial fees. But custom is negotiable — what matters is that the deed of sale says who pays what, in writing. Our taxes-and-fees guide has a full worked example.

Usually not — that's what makes it a reservation. Which is exactly why we never rush you into paying one. You'll see the property, the title, and the computation first, and we'll tell you plainly what happens to that money if you back out or if your loan is declined.

It happens, and it's manageable if the paperwork anticipated it. We push for offer terms where the earnest money is returned if financing falls through despite a complete, honest application. If a decline looks likely, we'll usually see it coming at pre-qualification and reroute you — different bank, Pag-IBIG, or a smaller property — before you've spent anything.

Always. We pull a certified true copy from the Registry of Deeds and check for liens, annotations, and whether the person selling actually has the right to sell. If a title has issues, you'll know before your money moves — not after. This is the single most valuable thing a licensed broker does for a buyer.

No. Our professional fee comes from the seller's side and is disclosed. If a situation ever arises where a buyer-side fee would apply — some co-broker deals on bank-acquired assets, for example — you'll know the exact amount before we lift a finger.