If you are Brazilian and are thinking of buying a property in Florida, either to live in or to invest in, now could be the perfect time. In addition to the recent mortgage rates in the United States, the dollar has also been depreciating considerably in recent daysThis makes buying real estate on American soil even more advantageous for those who have income or assets in reais.

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The average 30-year mortgage rate in the US fell from 6.95% to 6.89% last week, marking the third consecutive fall. 15-year mortgages, a popular option among those who want to pay off their mortgages more quickly, have also fallen. 6.12% to 6.05%.

📉 What does this mean in practice?

Mortgage rates are one of the main factors that determine the total amount paid for a financed property. When rates are high, the cost of interest over the years can cause a buyer to pay hundreds of thousands of dollars more for the same property. When rates fall, as they are now, the cost of financing decreases and the investment becomes much more affordable.

To illustrate the difference, here's a practical example:

📌 A $400,000 property financed over 30 years

  • With a rate of 6,95%the monthly mortgage payment would be around $2.650.
  • With a rate of 6,89%the portion drops to approximately $2.625.

This may seem like a small monthly difference, but over the 30 years of financing, this represents thousands of dollars saved. And if rates continue to fall in the coming months, buyers can refinance their mortgage and reduce their interest payments even further.

🔍 Why Are Rates Falling?

Mortgage rates in the US are strongly influenced by the decisions of the Federal Reserve (Fed)the US central bank, and the Treasury bond market. Although interest rates have risen sharply in recent years to curb inflation, the market is now starting to react to expectations of possible cuts in the prime rate by the Fed as early as 2024. This opens up a window of opportunity for buyers who want to secure a lower rate before the market swings again.

📊 The Right Time to Act

If you're considering a mortgage in the US, the fall in mortgage rates could represent a significant strategic time to enter the market. Combining this reduction with the fall in the dollar, the current scenario may be the most favorable in recent months for those wishing to buy property in Florida.

The recent devaluation of the dollar against the real has brought a relief for brazilian investors who are planning to buy property in the United States. This fall in the exchange rate means that the amount of reais needed to buy a property in Florida becomes smallermaking the investment more accessible and strategic.

📉 The Direct Impact on the Cost of Purchase

The recent devaluation of the dollar against the real has provided significant opportunities for Brazilian investors interested in buying property in Florida. To illustrate the impact of this exchange rate variation, let's take a look at the highs and lows of the dollar in recent months.

On December 31, 2024, the dollar reached a rate of R$ 6.18.

Most recently, on February 6, 2025, the US currency fell to R$ 5.76The lowest rate since November 2024.

Assuming the acquisition of a property valued at US$ 400,000we have:

  • With the dollar at R$ 6.18 (31/12/2024):

    • Value in reais: US$ 400,000 x R$ 6.18 = R$ 2,472,000

  • With the dollar at R$ 5.76 (06/02/2025):

    • Value in reais: US$ 400,000 x R$ 5.76 = R$ 2,304,000

This difference represents a saving of R$ 168,000 due to exchange rate variations. Therefore, the devaluation of the dollar significantly increases the purchasing power of Brazilians, making investing in real estate in Florida more accessible and attractive.

💡 The Best Time to Transfer Money to the US?

With the fall in the dollar, it is essential to plan international shipping at the best timeThis ensures that the money is transferred at the lowest possible rate. Many investors take advantage of moments like these to make the conversion and leave the money in an account in the USA, ready to close a good deal when the ideal opportunity arises.

📊 Perfect Combination: Low Dollar + Falling Mortgage Rates

The fact that the dollar is cheaper at the same time as mortgage rates are falling creates a unique opportunity for those wishing to buy property in Florida. This is because you pay less for the property and finance it with lower interest ratesThis significantly reduces the total cost of the investment.

If you are considering buying a house in the USA, this could be the best window of opportunity in recent months. Keeping an eye on the exchange rate and acting strategically can mean big savings in the long run.

If you are planning to buy a property in the USA, the time is now. To guarantee the best financing and currency conversion conditions, it is important to rely on specialists who can guide you through the acquisition process.

If you want to know more about how to finance a property in Florida and how to take advantage of the falling dollarGet in touch with our team and discover the best opportunities on the American real estate market!

  • Lower loan installments - The fall in mortgage rates reduces the cost of credit, making financing more accessible.
  • More savings on cash purchases - With the devaluation of the dollar, Brazilians' purchasing power increases, reducing the total cost of ownership.
  • Opportunity for real estate development - Florida continues to be one of the most sought-after regions for housing and investment, guaranteeing a hot market and potential for appreciation.
  • Rental profitability - For investors, a cheaper mortgage and a more favorable dollar increase returns on rental properties.

The combination of fall in mortgage rates and dollar devaluation creates a strategic moment for Brazilians wishing to invest or live in Florida. With more affordable installments in financing and a significant reduction in the cost of cash purchasesThis could be one of the best times in recent months to enter the American real estate market.

If you've been waiting for the right time to make this decision, now is the ideal opportunity to secure a property in the USA with more favorable conditions. Whether for housing or investment, the market outlook remains promising, and getting ahead of the game can be a great differentiator for obtaining the best possible return.

Did you like the article? Keep an eye on our blog! Looking to live or invest in real estate in Florida? Check out the list of houses for sale in Florida that we've selected for you!