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.

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Capture the holiday spirit and celebrate this special 20th anniversary of the Holiday Home Tour at Pinewood Estate. Tour the 20-room, Mediterranean-style mansion and enjoy your favorite holiday décor from the past 19 years.

WHEN:
Now thru January 4th, 2015

WHERE:
1151 Tower Blvd Lake Wales, FL 33853
863-676-1408
Mon-Sat 10-5pm/Sun 1-pm
$20 Adults/$9 Children 5-12

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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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In October, the number of properties that received a foreclosure filing in Orlando, FL was 18% lower than the previous month and 4% lower than the same time last year, according to RealtyTrac.com.

Orlando Foreclosure Geographical Comparison

Orlando foreclosures were 0.19% above national statistics, 0.15% above state figures, and the same as Orange County numbers in October 2014.

Orlando Foreclosure Status Distribution

The current distribution of foreclosures based on the number of active foreclosure homes in Orlando, FL.

Pre-foreclosures accounted for 16.7% of the foreclosure activity in October,  Auctions were 53.7%, and Bank-owned properties were 29.7%.

Orlando Foreclosure Activity by Month

In October, the number of bank-owned properties decreased 15.4% from the previous month and increased 94.9% from the previous year. The number of auctions decreased 17.1% from the previous month and rose 108.6% from the previous year. Pre-foreclosure activity decreased 25.4% from the previous month and 73.7% from the previous year.

Access Teri’s one-stop Orlando FL home shopping 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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Christmas can be a really stressful time with decorating, gift wrapping, baking and so much more. That’s why these 10 easy tricks could just save your holiday from chaos. Watch them and let me know which ones you plan to use.

In this video you’ll see how to;

– Convert a bag of chips into decorative wrapping paper
– Protect your wrapping paper from unraveling in storage
– Send Christmas letters without having to buy envelopes
– Make custom festive pancakes in any shape
– Avoid the challenges of packing tape sticking to itself
– Make your house smell like fresh cut pine
– Decorate sugar cookies with no mess to clean up
– Prevent your Christmas lights from tangling in storage
– Make custom chocolate garnishes for entertaining
– Turn your Christmas morning garbage into custom cards

This fun video is 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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Orlando Home for Sale:

10827 Willow Ridge Loop, Orlando FL 32825
MLS# O5320426

Beauty Warmth and Value!

Beauty Warmth and Value! This 3 bedroom, 2 bath home in a gated community is move in ready and priced to sell. The foyer says come in with one floor full of gracious open living space. Crown molding, granite counters, 42 inch cabinets and stainless appliances showcase the open kitchen designed for people who like to cook and entertain at the same time. You will love the easy care of the tile flooring in the kitchen and family room. The split bedroom floor plan offers a personal retreat. The main bedroom has an en-suite bath, dual sinks with ample counter tops, plus a walk-in closet ready for your convenience. Take advantage. Eye appeal, financing and location all make homes sell. This home has all three. Enjoy cool summer evenings relaxing on your own covered porch over-looking a picture book setting of lawn, garden and pond. Priced to sell! Come look inside this special home today.

Marketed by 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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There are two typical questions raised all the time about real estate…

Sellers: “Shouldn’t I first start with trying to save some money by selling on my own as a “For Sale By Owner?”

Buyers: “Shouldn’t I just look around on my own and work with the listing agents when I find something I like?”

Both of those scenarios have hidden problems. The field of real estate is loaded with land mines. Real estate professionals “know the ropes” so you don’t need to. Here are some thoughts for you to consider!

• Sellers need true expert guidance navigating the dangerous pitfalls that currently exist. Finding a buyer ready, willing and able to pay fair market value at a time when lending standards are so stringent is not an easy task.

• Buyers are finding reasonable financing is not easy to come by. It can be very tricky when interest rates are volatilelike they have been over the last several months. And underwriting standards are tight, meaning that you need special guidance getting pre-approved and assuring that your credit is clear.

• Both buyers and sellers need to be hiring a talented negotiator who could save you thousands, perhaps tens of thousands of dollars. Each step of the way – from the original offer, to the possible re-negotiation of that offer after a home inspection, to the possible cancellation of the deal based on atroubled appraisal – you need someone who can keep the deal together until it closes.

• Sellers should also realize that when an agent is negotiating their commission with you, they are negotiating their own salary; the salary that keeps a roof over their family’s head; the salary that puts food on their family’s table. If they are quick to take less when negotiating forthemselves and their families, what makes you think they will not act the same way when negotiating for you and your family?

• Buyers should consider working with a buyer’s agent from the start. That should be someone who really tunes into your needs and wants. That’s so they can really pinpoint the search for the right property for you. They can save you hours of spinning your wheels and they are ultimately compensated by the seller at the closing table.

Both buyers and sellers should take to heart that old saying “You get what you pay for.” Just like a good accountant or a good attorney, real estate professionals will save you money when all is said and done.

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!

Who has time to figure out what is happening in Orlando during the holidays? Not to worry! OrlandoWeekly.com has compiled an Orlando Holiday Guide 2014. Grab a cup of coffee and your calendar and start planning!

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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!

As we watch with horror the impact natural disasters have on those affected, it is only natural that we ask ourselves,” Would I be able to sustain such losses? Would my homeowners insurance policy cover the costs of rebuilding?

The National Association of Insurance Commissioners (NAIC)) recommends that you use your annual renewal notice or any improvements to your home as a reminder to touch base with your agent or insurer to recheck how much insurance you really need. Do you have sufficient coverage for rebuilding and replacement? Amy Bach, executive director of United Policyholders, a consumer advocacy group, urges homeowners not to blindly trust that their home insurer has all the bases covered.

With fluctuations in the real estate market, coverage equal to the current replacement cost (excluding land), is advisable. The first step in getting adequate coverage is to establish your policy’s dwelling limit. Your target number is the full-replacement cost of your home and its possessions. The dwelling limit bears no relation to your property’s market value, its appraised value, or its assessed tax value. And don’t mistake the cost of new construction for the cost to rebuild, which is more expensive because of factors such as debris removal and higher demand for materials and labor after a catastrophe,

(You can get a pretty good idea of what it would cost to rebuild your home by using an online calculator, available at sites such as HMFacts.com ($7) and AccuCoverage.com ($8).

It’s a good idea to purchase guaranteed replacement coverage, meaning the insurer will pay whatever it costs to rebuild your home with materials of like kind and quality, without deducting for wear and tear. Avoid actual cash value coverage, which pays only the depreciated value of your home.

Check also on your need for flood insurance, even if you don’t live near a body of water, since policies vary in their coverage of many types of water damage.

And lastly, it goes without saying that you need to update the inventory of your possessions at least annually since it is not only a record of the contents of your house and their value, but also a good indicator of whether you have enough coverage.

Information courtesy of 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.

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The Orlando Museum of Art will be filled with traditional holiday elegance that will be sure to enchant guests of all ages. The Festival of Trees which runs from November 15th through the 23rd will showcase awe-inspiring displays of designer decorated trees, wreaths, gingerbread creations and stunning holiday vignettes which are all available for purchase. Visitors will enjoy the gift boutique, the Toyland Town activity area, Gingerbread Village, and a Festival Café, complete with live daily entertainment and much more!

The entire family will enjoy the sites and sounds of this very popular Central Florida tradition benefiting the Orlando Museum of Art to further the cultural development and appreciation of the visual arts and children’s art education programs.

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!