Buyers
First home, ITIN or traditional purchase: budget, search, offer, inspection and closing.
See step-by-step guide →0%DOWN
PAYMENT
PAYMENT
Buyer programs · Charlotte and North Carolina
Can you buy with zero down or down-payment help?
Review USDA, VA, NACA, HouseCharlotte, NC Home Advantage and the $15,000 first-time buyer option. Manuela organizes the first step and a participating lender confirms eligibility.
0% down payment does not always mean $0 to close. Inspection, appraisal, prepaid items, reserves and other costs may still apply.Bilingual Realtor · Charlotte, North Carolina
Don't just find a home. Understand every decision.
Buy, sell, invest or move to North Carolina with Manuela Ruiz. Personalized search, financial preparation, inspections and guidance in Spanish or English from the first conversation through closing.
✓ First home
✓ ITIN conversations
✓ New construction
✓ Relocation & investment
Guerra & Associates Realty LLC
Manuela Ruiz
NC Broker #350810 · Español · English
Personalized search
Tell Manuela what home you're looking for.
Define the place, price range and must-have spaces. Manuela will review current inventory and prepare a search based on your priorities — we don't send you to another real estate portal.
Your search
Charlotte, NC · $250,000–$450,000 · 3+ beds · 2+ baths
01 · Start here
What do you want to achieve?
The form changes with your goal and saves the inquiry for follow-up. It does not pull credit or constitute a loan application.
- No credit pull
- Bilingual response
- Questions tailored to your situation
02 · Specialties
Choose your situation. See the full process.
Sellers
Preparation, pricing strategy, marketing, offer review and closing coordination.
See step-by-step guide →Investors
Rental potential, condition, repairs, numbers and exit before committing capital.
See step-by-step guide →Relocation
Areas, remote tours, logistics and local professionals when you move to Charlotte.
See step-by-step guide →First-time buyers
A clear plan for documents, available assistance and decisions without pressure.
See step-by-step guide →Purchase programs
USDA, VA, NACA, HouseCharlotte and state options explained without promising approval.
See step-by-step guide →New construction
Compare communities and builders, review incentives, contract, stages and inspections.
See step-by-step guide →03 · Mortgage calculator
Change the numbers. The payment updates instantly.
Try price, down payment, estimated credit, term and HOA. An educational tool to prepare questions.
Estimated monthly payment
$2,817/mo
$337,500 estimated loan · 6.65%
Not a quote, approval or promise. The real rate depends on the lender, program, credit, income, property and date. It does not include every possible cost.
Principal + interest$2,167
Estimated taxes$313
Estimated insurance$141
Estimated PMI$197
HOA$0
Educational buying-power estimator
What home range could you discuss with a lender?
Adjust the numbers. The calc combines income, debts, available funds, assumed rate and a total-debt scenario. It does not pull credit or approve loans.
Estimated starting range
$204,595 – $240,700 Illustrative home price$1,870Max monthly housing within scenario
$12,035Approximate down payment at the max
$7,221Illustrative closing reserve (3%)
Today the income/debt ratio limits more.
That shows which question to take to the lender first. Programs, credit, reserves, taxes, insurance, HOA and documents can change the result.
How is it calculated?
Uses a 36% total DTI scenario, subtracts debts and HOA, estimates principal/interest over 30 years, 1.0% taxes, 0.45% insurance, possible PMI and a 3% closing reserve. Editable assumptions — not lender terms.
Privacy: your income, debts and funds are calculated only in your browser and are not sent or stored.
04 · Meet Manuela
She turned a difficult experience into a different way to represent buyers.
After moving from Colombia to the United States, Manuela lived how confusing buying a home can feel without the right guidance. The problems and lack of clarity she found buying her first home became a promise: explain the process, anticipate questions and defend each client's interests without leaving them alone.
Her work does not end when listings are sent. When a home needs repairs, she helps organize inspections, specialists and estimates so the buyer understands condition and options. When a family relocates from afar, she compares communities and coordinates virtual tours. When financing is the barrier, she connects resources without promising approval.
A Realtor's responsibility is not only to find a property; it is to help determine whether the property, financing, location and condition make sense for the client's life.
- License
- North Carolina #350810
- Brokerage
- Guerra & Associates Realty LLC
- Office
- 1800 Central Ave Suite 303
Charlotte, NC 28205 - Phone
- 704-830-8486
What representation looks like in real life
The value shows up when a purchase gets complicated.
The right home needed work
A buyer found the features they had been seeking, but the property needed repairs. Manuela helped coordinate inspections, contractors and estimates to turn uncertainty into an organized evaluation before deciding.
From California to Charlotte
A couple planning retirement needed to choose a home and community from another state. Manuela explained areas, refined priorities and facilitated remote tours and evaluation until the move to the Charlotte area was complete.
Avoiding costly surprises
HVAC, roof, water heater, plumbing, electrical or structure can require extra questions. Manuela helps gather the professional information needed so the client decides with more clarity during due diligence.
05 · Documented portfolio
Buyers helped, homes sold and active listings.
A selection of documented properties where Manuela participated as buyer's agent, seller's agent or listing agent. The gallery keeps attention on her work without sending visitors to third-party portals.
Active listing · reviewed Aug 2026
406 Jacob St · Shelby
$24,500 · 0.06 acres
Buyer represented · Sold Jun 2026
1620 Cottage Creek Dr #66 · Bessemer City
$315,000 · 3 bd · 2.5 ba · 1,755 sq ft
Buyer represented · Sold Apr 2026
116 Satchel Ct · Mooresville
$426,000 · 5 bd · 3 ba · 2,674 sq ft
Buyer represented · Sold Mar 2026
12103 Brittondale Ln · Charlotte
$329,900 · 4 bd · 2.5 ba · 1,859 sq ft
Data documented from public sources reviewed in August 2026. Availability may change.
06 · Charlotte & The Carolinas
Charlotte is understood community by community.
The right home must work for your budget, commute, property condition and plans. Instead of a misleading “minimum price,” we review real inventory and dated data inside your scenario.
CharlotteConcordHuntersvilleCorneliusDavidsonMooresvilleKannapolisMatthewsMint HillIndian TrailMonroePinevilleGastoniaBelmontMount HollyHarrisburgDenverShelby
Rock Hill · SC partnerFort Mill · SC partner
Charlotte as base; regional coordination
Explore cities, coverage and relocation →
Manuela evaluates opportunities within about two hours of Charlotte. Inquiries for Raleigh and other North Carolina areas can be coordinated with the brokerage and her network. Rock Hill, Fort Mill and other South Carolina inquiries are coordinated with someone who holds the applicable license. Everything is confirmed before scheduling.
07 · Programs to ask about
Clarity first. Eligibility next.
House Charlotte
The City publishes assistance options of up to $80,000 for some eligible buyers, subject to category, funds and requirements.
Official source →NC Home Advantage
State options through participating lenders. The program and lender confirm eligibility, availability and terms.
Review requirements →ITIN
Some lenders consider ITIN buyers. Compare down payment, rate, APR, reserves, documents and total monthly cost.
Prepare questions →08 · Local resource network
Technical questions need specialists.
These providers are independent resources. You decide who to hire and verify license, scope, price, insurance and warranty.
Safe Project Solutions
Property services, HVAC, renovations, repairs, photo estimates and contractor coordination. Does not replace a home inspection.
Visit Safe Project Solutions →Carolinas Coverage Insurance
Independent contact to discuss home insurance in NC and SC. The agency confirms license, premium, coverage and eligibility.
jeanna@carolinacoverageinsurance.com →Majestic Roofing
Roof inspection, visible damage documentation, repair or replacement and technical coordination. The insurer decides any claim.
Visit Majestic Roofing →Charlotte · North Carolina
A clear conversation can change the next step.
Schedule a bilingual consultation with Manuela. No pressure and no unrealistic promises.