This blog is not about quick and easy profits! True wealth building rarely is. It’s about steadily increasing your net worth over time. It is not about speculative investments to get rich quick. It’s about how to build meaningful wealth while enjoying your home.

There are many variables and moving parts to the home ownership puzzle. But, it’s not brain surgery either. Home ownership is possibly the most accessible means of building wealth that is available to the general public, non-investors, and average middle-class Americans. Here’s how to make it work…

Rule # 1: Consider the “5-year Rule” before you decide to buy.

Don’t consider buying a home unless you plan to own it for at least 5 years. That is because the wealth building cycle starts very slowly during the first 5 years.

After 5 years, the wealth building cycle begins to accelerate. Selling before then may cause you to lose money because you won’t necessarily get back all the up-front costs of buying.

Rule # 2: Make sure you don’t pay too much when you buy!

Any retailer will tell you they make their profit when they buy. That’s because consumers in the marketplace will dictate the final sale price. The retailer can’t control that. The retailer can only control what he pays for an item. The difference between what he pays and what he can sell it for is his profit.

It’s the same with housing. Get proof of the current value of the property you’re buying by researching the comparative values (“comps”) of similar properties actually sold recently. These are available for free from your Realtor.

Rule # 3: Shop to get the lowest interest rate you can.

But, don’t accept fancy terms of a loan like adjustable rate mortgages (ARM) or deferred (balloon) payments. A fixed rate over the length of the loan is more preferable so you know what to expect over time. Remember, this is about wealth building, not speculative investing!

Rule # 4: Pay for a professional home inspection after you are under contract.

Then be insistent that everything is in top condition before you buy. Remember, there are a lot of moving parts. You must minimize how many of them are likely to breakdown soon after you buy.

Watch for Building Wealth With Home Ownership 102 for rules to follow while you own.

Information courtesy of Orlando Realtor Teri Isner.

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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Welcome to your up-to-the-minute February 2015 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.

Information courtesy of Orlando Realtor Teri Isner.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Welcome to your up-to-the-minute February 2015 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.

Information courtesy of Orlando Realtor Teri Isner.

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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Welcome to your up-to-the-minute February 2015 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.

Information courtesy of Orlando FL Realtor Teri Isner.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Home design is an important deciding factor when you are looking for a home to purchase. This is because, like fashion and career choices, the style of your home is a form of self-expression and most likely reflects your personality. In fact, results of a recent housing survey indicate that more than seven in ten homeowners see a relationship between their personalities and their home exteriors.

Intrigued? Read on to discover which architectural style home might be a good match for you

The Bungalow

This small, single-story home is considered simple and easy to maintain. With styles ranging from the Craftsman to the California bungalow, owners who wish to live a carefree and easy lifestyle find these incredibly appealing. Bungalow owners are generally liberated in personality and eager to keep their expenses low and their lifestyle trouble-free.

The Cape Cod

Typically a one-and-a-half story dormered home, the Cape Cod features side gables, a small overhang, and sloped roof. Such a residence has an owner who loves to relax and enjoy a structured home after a long and busy day. The Cape Cod owner is warm-hearted in nature and tries to create an atmosphere that’s in communes with surrounding scenery.

The Colonial

This home blends your appreciation of tradition and symmetry with your desire to be seen as a successful member of your community. The nuances of your strong personality are reflected in the particular style of colonial you are attracted to – from Georgian to Federal.

The Craftsman

Just as the design of this house is simple and honest, so too is its owner. The incorporation of hand-crafted objects makes it both unique and artistically appealing. An owner living in a Craftsman is whimsical and deeply immersed in the small details of life, paying close attention to the quality rather than quantity of life.

The Contemporary

You have a need to have contact with nature, right down to what materials are used in your home, and you value open spaces and clean lines. Transparency and openness are important concepts in contemporary design

The Victorian

A person with a Victorian home style is often considered extravagant in personality. The building and all its applications tell a story of the owner’s sentimental personality. Victorian designs are beautiful and tend to create fantasy and dreams around them.

Understanding your personality type and the style of home that makes you happy may just make your buying experience easier and your life in your home much more enjoyable!

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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Davenport FL Home For Sale:

712 Brayton Lane, Davenport FL 33897
MLS# 05345715

Endless Possibilities!

The kitchen is truly the heart of this home adjoining both the family room and the formal dining / living areas. What an ideal open floor plan designed for those who like to cook and entertain at the same time. Center island, ample cabinetry, closet pantry, and an eat-in dinette area showcase the large kitchen. Multiple living spaces provide endless possibilities. Do you prefer traditional formal living and dining with a casual den, or does a home office and game room better fit your lifestyle? The options are yours to envision. Split bedrooms offer privacy. The master bedroom retreat includes a generous walk-in closet and en-suite bath. Enjoy a spa day at home in the master bath with its large vanity, luxurious garden tub and separate shower. Legacy Park is conveniently located near shopping and is only a few minutes from Disney. Easy access to I-4 puts the beaches of Tampa / St Pete within a short one hour drive to the west and NASA’s space coast beaches only one hour to the east. Location and the home’s features make this one well-suited as a primary residence or as an investment property.

Marketed by Orlando Realtor Teri Isner, Orlando Avenue Top Team.

Welcome to your up-to-the-minute January 2015 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. Let’s take a look.

Interested in getting a personalized Market Snapshot? Simply visit www.OrlandoAvenue.com, select the Market Snapshot box, and enter the zip code you want to watch.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Welcome to your up-to-the-minute December 2014 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. Let’s take a look.

Interested in getting a personalized Market Snapshot? Simply visit www.OrlandoAvenue.com, select the Market Snapshot box, and enter the zip code you want to watch.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

We have all been there before, getting ready to buy a house and then suddenly something of a negative nature pops up on our credit score that poses to keep us out of our dream home forever. There are ways to make sure you DO NOT end up in this sort of predicament however. Hopefully, the following tips for raising your credit score will be beneficial to you so that you can find your new home and move in before the holidays!

• Pay credit card bills before the statement date. Many times folks wait until the due date to pay a bill but if you are willing and able to pay them before the statement date, your credit score is likely to improve.
• If you can afford to make multiple payments on your credit balance throughout the month, this will also show favorably on your credit score. Check with your credit card company to make sure you are allowed to do this before beginning because some do not allow it.
• If you only have a couple bad marks on your credit, you can ask for a “good will deletion” . Of course if you are late over and over again you will not be able to reap this reward but if you can show that you otherwise have paid your bills on time you may be able to get those couple nasty marks off your credit and therefore raise your score!
• If one of your accounts has recently gone into collections you may be able to pay it off and have it removed from your credit report as a result. Be sure to get any type of promise to delete in writing so that you can be sure it will be taken off once you pay.

Credit issues can be hard to deal with especially if you are looking to purchase a new home in the near future, but take it from someone who knows….it CAN be done and you CAN have the house of your dreams maybe sooner than you had imagined! Keep working at it and you will succeed and come out the other side ready to move forward into your future!

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

With fixed rate mortgages as low as they are, most purchasers or owners wanting to refinance might not even consider an adjustable rate loan. The determining factor should be how long the person plans to be in the home and which mortgage will provide the cheapest cost of housing.

For instance, if you compare a $300,000, 30 year term mortgage with a 4.125% rate on the fixed and a 3.25% on the 5/1 adjustable, the breakeven point would be almost seven years assuming the rates adjusted the maximum that they could in each year.

Therefore, if a person is going to stay in the house less than 7 years, the ARM would provide the cheapest cost of housing.  This example shows that at the end of five years, the ARM would generate almost $13,000 savings over the fixed-rate.

On the other hand, this could be a good time for homeowners with an existing adjustable rate mortgage to consider refinancing into a fixed-rate mortgage.  The longer that they intend to stay in their home, the more advantageous it might be for them to convert their mortgage to lock-in their payment and fix their housing costs.

A trusted mortgage professional can analyze the alternatives to provide you with the information necessary to make a good decision.  You can try the Adjustable Rate Comparison with your own numbers to see the effect.

Information provided by Orlando Real Estate Expert Teri Isner.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!