1. Thou shalt not change jobs, become self‐employed or quit your job.
2. Thou shalt not buy a car, truck or van (or you may be living in it)!
3. Thou shalt not use charge cards excessively or let your accounts fall behind.
4. Thou shalt not spend money you have set aside for closing.
5. Thou shalt not omit debts or liabilities from your loan application.
6. Thou shalt not buy furniture.
7. Thou shalt not originate any kinds of inquiries into your credit.
8. Thou shalt not make large deposits without first checking with your loan officer.
9. Thou shalt not change bank accounts.
10. Thou shalt not co‐sign a loan for anyone.

By and photo credit: lightersideofrealestate.com

Access Teri’s one-stop Orlando FL home search website.

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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Condo living can be quite liberating if you are interested in downsizing and not having to deal with things such as cutting your grass or fixing things when they break.  Whether you rent or purchase a Condo of your own, Condo life is quite different from owning your own home.  There is a lot less upkeep when you live in a Condo vs living in a house but that doesn’t mean that you want to skimp on décor.  Below you will find a few tips for decorating your Condo that will have you loving your little place in no time.

1. One easy way to decorate your Condo that you may want to try is to add a few large mirrors to the walls.  Hanging large mirrors in a small space will make the small space look larger.  Many times, Condos can be tiny and have a lot of angles and awkward looking areas that can make a small space appear even smaller.   Mirrors can help to alleviate all of this.
2. Another tip for decorating your Condo is to paint the walls a nice white. You can find many different shades of white and can likely find one that will appeal to you.   White paint will brighten up the rooms in your Condo and make the pallet very neutral and easy therefore to decorate.
3. Yet another tip for decorating your Condo is to add color with large art wall décor. When you place a large painting on a wall in a small room it keeps the eye from looking towards the small space and brings the eye up to the artwork which helps the area to appear larger.   Not to mention it can add a great deal of beauty.
4. If your Condo is very small a good way to decorate and make the area work better for you is to separate spaces with room separators or curtains.  This works well for Condos that are completely open and don’t have a lot of walls in them.
5. Adding some shelves to the walls in your Condo on which to sit your knick knacks is a great way to make the space your own and to make it look like you and your personality.

These are just a few ideas and tips for decorating your Condo that you may want to put into practice.  There are many other ways in which you can create your perfect living environment with décor.

Access Teri’s one-stop Orlando FL home search website.

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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You may have thought about selling your home before but you just aren’t sure now is the time.  There are a few signs that now is the correct time to sell your home and some of those signs are listed below for you so that you can be sure you’re making the right decision.

1. If your home has gotten a bit too small for your growing family and you are trying daily how to figure out where to put everyone, you may need to put your house on the market.  If you are making your kids bunk together and then trying to add another baby to the mix, you may need to purchase a home that will be more able to fit your needs.
2. If you have changed to a job that has taken you father away from your home than you had anticipated and therefore has caused your daily commute to be longer than you like, it may be time to sell your home. Selling your home for a job change is a big reason that many folks sell.
3. If your lifestyle has changed and you simply don’t have time to take care of your home anymore, you may want to sell it. This can be caused by such things as your children moving out and you becoming empty nesters.  Many times the room you once needed becomes way too much for just you and your husband once your kids move out.
4. If you need a bigger home to accommodate your growing family but the thought of remodeling sends your head into a spin, you may want to go ahead and put your house on the market to see if you have any interest in it first.
5. If you have equity in your home and you want to take advantage of the great rates that are currently available before they disappear you may want to go ahead and put your house on the market.
6. If you live in a neighborhood in which a lot of houses are currently selling, you may want to put yours on the market to see if you get any interest in it and possibly even sell    Now is the time that folks are many times getting full asking price for their homes so it is a buyer’s market.

Access Teri’s one-stop Orlando FL home search website.

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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Let’s face it we all have stuff we need to get rid of in our homes, and typically the kitchen has a ton of stuff that doesn’t need to be there lying around in it.  Since we are currently in the cold of winter, there is no time like the present to start cleaning out your kitchen and making it look a bit more presentable.  Below is a list of the top things you should purge from your kitchen.

1. We all have one, a junk drawer and that junk drawer is many times located in the kitchen. It’s where we put all the items we have no idea what to do with but aren’t; quite sure we want to get rid of just yet.  Take that junk drawer and go through it with a fine tooth comb and decide what you need and what you don’t need.  Throw away all that you don’t need.  Most times the things you don’t need are the items you haven’t used in the past 6 months.  I promise you won’t miss anything.
2. Another thing we all seem to have lying around our kitchens is all those restaurant sauce packets we feel the need to keep. Sure you might use one once in a while but most times they just take up space either in the junk drawer or in the refrigerator.  Throw all the restaurant condiments out!  It will make your kitchen look much lovelier.
3. Yet another thing we all need to purge from our kitchens is the dressings, sauces and other items that have long since expired. There isn’t much worse than getting ready to put some sauce on your food only to find that it expired two years ago.  Clean out your fridge and only keep those things that you are going to use within the next week or so or at least make sure that all the dates are current.
4. Most everyone has some sort of a stack of lids in their kitchen that they just can’t seem to find a container for. If you have a bunch of lids that don’t have matching containers to secure them to, why not just throw them out.  They no longer serve a purpose.

Hopefully this list of items you need to purge  from your kitchen will get you starting thinking in the right direction.  At least it will be a starting point for you.

Access Teri’s one-stop Orlando FL home search website.

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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Highlights:

• When listing your house for sale your top goal will be to get the home sold for the best price possible!
• There are many small projects that you can do to ensure this happens!
• Your real estate agent will have a list of specific suggestions for getting your house ready for market and is a great resource for finding local contractors who can help!

by The KCM Crew

Access Teri’s one-stop Orlando FL home search website.

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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Having a housekeeper to clean your house is a wonderful way to get some help with your housework if you have to work outside of the home and don’t have much time to do it yourself.  There are ways to make your housekeeper’s job a bit easier than it otherwise might be however and the list below is a list of tips to help your housekeeper have an easier time making your house more beautiful and tidy.

1. Be sure if you want your house cleaned like you want it that you are clear on specifics about what exactly it is you want done.  If you write a list of what all you want cleaned for example you need to spell out each thing you want done and how you want it done so that you are not disappointed when you get back home after the housekeeper has done their job.
2. Another tip to help your housekeeper get their job done well is to take care of your pets.  Your housekeeper is there to clean your house, not to pick up after your pets and their messes.  If you can take your pet over to a friend’s or family members house while your housekeeper is there cleaning it may be best for all involved.
3. If you have things around the house that you can do before the housekeeper comes you may save yourself a bit of money. An example of the types of things you can go ahead and get done before the housekeeper comes is to get rid of your trash from last night’s dinner as well as go ahead and wash the dishes.
4. If there is something really nasty in the house such as dog poo then clean it up before your housekeeper gets there. If it is too nasty for you then it is too nasty for your housekeeper and you shouldn’t expect them to take care of it for you.
5. Clean up any clutter before your housekeeper comes to your home so that they won’t have a hard time getting the floors cleaned and also so they won’t have to wonder where things belong and therefore may end up putting something in the wrong spot.

These are just a few tips that will make your housekeepers life a bit easier.  If a clean house is what you are after, do your part to make it happen and to keep your housekeeper happy.

Access Teri’s one-stop Orlando FL home search website.

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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If you have let your house go and you find yourself in need of a professional organizer, there are a few things you need to do in order to get ready for one to come and help you get your life together.  Below is a list of things that you need to do BEFORE hiring a professional organizer so that you both end up with the results you were hoping for.

1. One thing you need to do before the professional organizer arrives on the scene is to de-clutter your own home and have an end game in mind. Make a mental note of how you want your family to benefit from the coming organization and plan your strategy around that.  If you have certain rooms that you use daily to make life work, start in those areas once your organizer arrives.  He or she will be glad that you have somewhat of a plan already in mind rather than having to start blindly with no goal to work towards.
2. Another thing you need to do in order to get ready for a professional organizer to come into your home is to realize that even though you hire someone to help you get your life in order, your home will likely still not look like a picture out of magazine. The truth of the matter is, folks live in their homes and where there is life there is mess.  If you go in with this mindset you will likely be pleasantly surprised of all that can be accomplished.
3. Be ready to let things go when your organizer comes into your home. You need to let your hording tendencies go and be willing to throw things out that you haven’t recently used.
4. Another tip for getting ready to hire a professional organizer is to realize that they are not there to build shelves and the like. If you have something that you want installed, get someone else to do it or do it yourself before your organizer arrives.  The professional organizer is there to help get things organized not to build shelving contrary to popular belief.
5. Professional organizers are not there to clean your home either so be sure to go ahead and have the house clean before they arrive. Clean isn’t the same thing as neat.

Hopefully this list will get you started in the right direction for getting ready for your professional organizer to arrive.  If you follow these simple tips you will likely be excited and happy with the final results.

Access Teri’s one-stop Orlando FL home search website.

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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You may think that you can ask your real estate agent anything at all that you want to ask them and you may be right.  What you may not be right about however is that you may not get an answer.  There are some questions that real estate agents might know the answer to but they are not able to give you the answer based on the Fair Housing Act.  Real estate agents are not allowed to discriminate based on race, religion, sex or economic status.  If you ask any of the following questions you may not get a straight answer from your real estate agent.

1. Asking your real estate agent if a particular area is a good place to raise a family may or may not get you a straight answer. In fact, you may find that your agent just gives you a blank stare when asked this type of question.  They may know good and well that they wouldn’t want to raise their own family in a particular area of town but by staying loyal to the Fair Housing Act, they won’t be able to clearly answer that question for you.
2. Another question you may not get answered from your real estate agent is what the particular neighborhood you are interested in is like. If you really mean to ask if the neighborhood has a high ratio of minorities by asking if the neighborhood is safe, your real estate agent will not be able to clearly answer that question for you.  If you wonder if a certain area is safe, do your homework and figure it out for yourself, don’t make your real estate agent uncomfortable by asking questions like that.
3. Asking what the area schools are like is another similar question that will likely get you a blank stare from your real estate agent. If you want to know what the schools are like in a particular area you can search online for such answers.

Basically, if you don’t want your real estate agent to break their ethical code, steer clear of these types of questions and do your own work to find out the answers.  You will likely be able to find out all that you need to know about what it is you are asking without a lot of trouble and without having to ask your real estate agent.

Access Teri’s one-stop Orlando FL home search website.

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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These days’ houses are selling like hot cakes!  If you have ever thought about selling your house, now is the time to do so!  The only “issue” you are likely to run into is that you may end up with multiple offers.  While multiple offers may be a good thing, you still should know how to choose the best offer   in the event this happens to you. Below you will find a few ideas on how to best handle this particular situation.

1. Finding out which of the potential buyers have the best financing available to them is a great way to help you choose which offer you would be best to go with.  If you pick someone who hasn’t got the financial side of it all worked out for themselves you will likely end up spending more time than you would like getting all the kinks worked out.  Choosing someone who has a reputable lender on the other hand and has already been pre approved will make the transactions go nice and smoothly for all involved.
2. Another way to choose the best offer when you have multiple offers is if the closing date is good for you.  You may have one person that wants to buy your home that has to wait on their home to sell first while another person is ready to go right away.  If you want to and are ready to move out quickly you may want to go with the latter however if you are not quite ready to move that fast you may want to go with the folks that need to wait a while.  Choose the offer that best suits your own personal needs.
3. Yet another way to choose the best offer on your house when you have been given multiple offers is to make a checklist of the pros and cons of each offer. This will make sorting out the details a bit easier for you.
4. Be sure that you have peace about each offer and if you don’t feel a peace about a certain offer, take that one off the list of who to choose from.

It is a good idea to go through all scenarios that may arise with each offer that is given before deciding which one to go with.  Once you choose the right offer, you can look forward to moving into a new chapter of your life!

Access Teri’s one-stop Orlando FL home search website.

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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If owning your own home isn’t on your agenda and you would rather purchase a condo or townhome to make things a bit easier on yourself, you are not alone.  There are several things however that you should consider and think about before purchasing a condo and a few of those things are listed below.

1. One thing to consider when purchasing a condo  is who the manager is.  If you have a manager that is easy to deal with then you shouldn’t have any issues, but if you have a manager that doesn’t see eye to eye with you on things you may find yourself wishing you never would have purchased a condo.
2. There are fees associated with owning a condo. You should definitely check into the fees associated with your particular condo before purchasing it.  These fees can range anywhere from $200 to $400 per month or year depending on how upscale the condo is you want to purchase.
3. Looking at the condo financial statements is a great way to see if you really want to purchase a condo or not. For example if the condos financial statements do not include paying for repairs on a broken street light, you may end up seeing the repair costs tagged on to your bill.  Taking these types of things into consideration could sway your decision one way or the other regarding purchasing.  If you find that repairs on such things are not included in a particular condos financial statements you may want to search for a condo that does cover them.
4. Knowing the rules of condo living can make or break your decision of purchasing as well. Some condos don’t allow holiday decorations while others just tell you where to park.  It’s up to you to decide what is most important to you and what rules simply do not matter that much, however knowing the rules is imperative.
5. Checking out the condos liability insurance to make sure there are no pending lawsuits against it is also a good idea.

These things to consider before purchasing a condo are just the tip of the ice berg.  Do your due diligence, ask questions and find out all there is to know about condo living  before sinking your money into a one you are not happy with. If you do all of this and you are satisfied, you will likely enjoy condo living and all it has to offer.

Access Teri’s one-stop Orlando FL home search website.

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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