# Move Up Miami |  Real Estate Guidance with Giovanni Altamiranda
> Giovanni Altamiranda helps move-up buyers and relocating families find homes across Miami-Dade suburbs
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## Pages
- [About Me](https://www.moveupmiami.com/about-me.md) - Born in Miami. Never left. Never wanted to. Giovanni Altamiranda is a Miami-native REALTOR® with LUXE Properties and a licensed loan officer (NMLS# LO52044, Columbus Capital). He works with move-up buyers and relocating families across Coral Gables, Coconut Grove, Pinecrest, South Miami, Palmetto B…
- [Schedule call](https://www.moveupmiami.com/schedule.md)

## Posts
- [Open Permits When Buying a Home in Miami-Dade](https://www.moveupmiami.com/open-permits-when-buying-a-home-in-miami-dade.md) - What happens if a Miami-Dade home has an open permit? An open permit means work was permitted but never passed final inspection, so it stays on the property record indefinitely. In Miami-Dade it surfaces during the municipal lien search, and most lenders will not fund until it is closed, insured ov…
- [Capital Gains Tax When Selling Your Miami Home: What You'll Owe](https://www.moveupmiami.com/capital-gains-tax-when-selling-your-miami-home-what-youll-owe.md) - How much capital gains tax will you pay when selling a home in Miami? Florida charges no state capital gains tax, so the only tax on your home sale profit is federal. If the home was your primary residence for at least 2 of the last 5 years, you can exclude up to $250,000 of gain if single or $500,…
- [Save Our Homes Portability for Miami Move-Up Buyers](https://www.moveupmiami.com/save-our-homes-portability-for-miami-move-up-buyers.md) - How does Save Our Homes portability work when you move up in Miami-Dade? Florida's Save Our Homes portability lets you transfer up to $500,000 of accumulated property tax savings from your current homesteaded home to your next one. If you're buying a more expensive home in Miami-Dade, you can move…
- [Can you buy a house in Miami-Dade before selling your current one?](https://www.moveupmiami.com/can-you-buy-a-house-in-miami-dade-before-selling-your-current-one.md) - Yes. Move-up buyers around Miami typically use one of three paths: a short-term bridge loan, a HELOC against their current home's equity, or a contingent offer built around a rent-back agreement. As of Q1 to Q2 2026, single-family inventory in Miami-Dade sits around 5.2 months of supply, and well-p…
- [What should you check before buying a condo in Miami-Dade right now?](https://www.moveupmiami.com/what-should-you-check-before-buying-a-condo-in-miami-dade-right-now.md) - Before you write an offer on a Miami-Dade condo, ask for the building's milestone inspection report, its Structural Integrity Reserve Study (SIRS), the last 12 months of board meeting minutes, and confirmation that the building isn't on Fannie Mae's unavailable list. Three Miami-Dade buildings have…
- [What Home Insurance Actually Costs in Miami: A Buyer's Budget Guide](https://www.moveupmiami.com/what-home-insurance-actually-costs-in-miami-a-buyers-budget-guide.md) - How much does home insurance cost in Miami for a $1M+ home? Home insurance in Miami for a $1M+ single-family home typically runs $15,000 to $25,000 or more per year when you combine homeowners coverage, flood insurance, and wind coverage, as of 2026. Florida has the highest home insurance rates in…
- [What Florida's 2026 Property Tax Amendment Means for Miami Buyers](https://www.moveupmiami.com/what-floridas-2026-property-tax-amendment-means-for-miami-buyers.md) - Will Florida's 2026 Property Tax Amendment Lower My Tax Bill If I Buy in Miami? Not yet, and not automatically. Florida lawmakers placed a constitutional amendment on the November 2026 ballot that would raise the homestead exemption from $50,000 to $150,000 in 2027 and to $250,000 in 2028, but it n…

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