Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
We have reported many times that the American Dream of homeownership is alive and well. The personal reasons to own differ for each buyer, with many basic similarities. Eric Belsky, the Managing Director of the Joint Center of Housing Studies at Harvard University expanded on the top 5 financial benefits of homeownership in his paper –The Dream Lives On: the Future of Homeownership in America. Here are the five reasons, each followed by an excerpt from the study:
1.) Housing is typically the one leveraged investment available.
“Few households are interested in borrowing money to buy stocks and bonds and few lenders are willing to lend them the money. As a result, homeownership allows households to amplify any appreciation on the value of their homes by a leverage factor. Even a hefty 20 percent down payment results in a leverage factor of five so that every percentage point rise in the value of the home is a 5 percent return on their equity. With many buyers putting 10 percent or less down, their leverage factor is 10 or more.”
2.) You’re paying for housing whether you own or rent.
“Homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord.”
3.) Owning is usually a form of “forced savings”.
“Since many people have trouble saving and have to make a housing payment one way or the other, owning a home can overcome people’s tendency to defer savings to another day.”
4.) There are substantial tax benefits to owning.
“Homeowners are able to deduct mortgage interest and property taxes from income…On top of all this, capital gains up to $250,000 are excluded from income for single filers and up to $500,000 for married couples if they sell their homes for a gain.”
5.) Owning is a hedge against inflation.
“Housing costs and rents have tended over most time periods to go up at or higher than the rate of inflation, making owning an attractive proposition.”
Bottom Line
We realize that homeownership makes sense for many Americans for an assortment of social and family reasons. It also makes sense financially. If you are considering a purchase this year, contact a local professional who can help evaluate your ability to do so.
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
If you are considering selling your home in the next few months now is the time to get started on some home improvements so that you can get your house ready to put on the market! Below are a few ways you can get started on home improvements both inside and out.
A fresh coat of paint inside your home is a great way to improve the way your home looks and get it ready to put on the market. Try to keep a neutral theme if you can when painting because you want others to be able to see themselves living in your home and not the other way around. You will likely be amazed at just how much difference a fresh coat of paint will make to your home.
Panting your front door a color that pops is a great way to get awesome curb appeal. Many folks will love your home simply because it has a red door and it stands out above all the others in the neighborhood. Use a pop of color on your front door to your advantage when trying to sell your home!
Pressure washing your home is a great way to make it shine if your home is vinyl siding. You may have lived in your house so long that you forgot what color your siding actually is until you pressure wash it. This is another way to have great curb appeal when you put your house on the market.
If your house has columns at the front it may be a good time to replace them or at least give them a fresh coat of paint. Over the years columns tend to expand and crack and make the house look older than it actually is. Give your home a facelift by taking care of issues like these before you put it on the market.
Refinishing your hardwoods is another way to make your home look its best. You can do this yourself or you may want to choose to hire someone to do it for you. Either way, refinishing your hardwoods is a great home improvement idea!
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
A good idea to get your kids involved in the process of selling your home is to get them to take care of any clutter they may see around the house. It doesn’t necessarily have to be clutter they created, just any kind of mess that may be lying around will do. Kids love to feel helpful and what better way to help them feel helpful than to get them to help. If you have older kids you can perhaps motivate them with a bit of cash to get the job done correctly.
You and your kids need to make a plan for when someone comes to tour your home so that you can all get out of the house together and have something fun to do. When you have a last minute showing you and your children will easily remember that plan and head out together to wherever you have already decided upon. A good place to go if it is summertime or springtime is the local park; if it’s cold the library might be a good option.
Have your children be in charge of packing their own rooms away for the future move. They can easily pick through their toys and pick out the ones they don’t play with as often and go ahead and pack them away in boxes. This is also cool to do because once you finally make the big move it will feel like Christmas to them when they open the boxes filled with toys they had forgotten they had.
Whatever you do, try to make the packing and moving as low key as you possibly can, for your sake as well as your children’s. Kids can sense when you are upset or stressed about something and then they can upset and stressed. Do your part to make the transition of selling your home as smooth as possible.
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
Welcome to your up-to-the-minute Jan 2016 edition of market snapshot for Celebration Florida compliments of Teri Isner. This report is personalized with charts including market activity for single family homes in the 34747 zip code. Take a look…
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
Welcome to your up-to-the-minute Jan 2016 edition of Market Snapshot for Kissimmee, Florida compliments of Teri Isner. This report is personalized with charts including market activity for homes in the 34741 zip code. Take a look…
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
Welcome to your up-to-the-minute Jan 2016 edition of Market Snapshot for Windermere, Florida compliments of Teri Isner. This report is personalized with charts including market activity for homes in the 34786 zip code. Take a look…
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
Fannie Mae recently released their “What do consumers know about the Mortgage Qualification Criteria?”Study. The study revealed that Americans are misinformed about what is required to qualify for a mortgage when purchasing a home. Here are three takeaways:
59% of Americans either don’t know (54%) or are misinformed (5%) about what FICO score is necessary
86% of Americans either don’t know (59%) or are misinformed (25%) about what an appropriate Back End Debt-to-Income (DTI) ratios is
76% of Americans either don’t know (40%) or are misinformed (36%) about the minimum down payment required
To help correct these misunderstandings, let’s take a look at the latest Ellie MaeOrigination Insight Report, which focuses on recently closed (approved) loans.
FICO SCORES
BACK END DTI
DOWN PAYMENTS
Bottom Line
Whether buying your first home or moving up to your dream home, knowing your options will definitely make the mortgage process easier. Your dream home may already be within your reach.
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
The Kissimmee Real Estate Market Trends Report shows 611 homes sold in 2015 compared to 552 in October 2014. The Average sales price was $124,971, a 13% increase from 2014 and homes were on the market for an average of 59 days.
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
The Windermere Real Estate Market Trends Report shows 944 homes sold in 2015 compared to 859 in 2014. The Average sales price was $530,255 compared to $531,091 in 2014 and homes were on the market for an average of 92 days.
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.
You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently. You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
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