Orlando Florida Buyers Ask How can we come up with down payment dollars?

there are 100% loans available both for purchase and refinance transactions.

Did I stutter?  I do mean it… there are 100% loans available both for purchase and refinance transactions.

No… I am not one of those scumbags trying to lure you into a dangerous loan!  If you’ve read my posts at all, you know I’m definitely not about bad loans for good people.

Here’s what I am about… helping people buy the home they want and need… and refinance the loan that is about to start hurting them financially…

These affordable mortgages are FHA and Fannie Mae loans – a.k.a. Government Backed.  They are safe loans with only a few options.

Here are the loan features:

• Full Documentation
• Seller Concessions 
• Reduced PMI
• Up to 100% financing
• 30 or 40 year Fixed Rates 
• and more

So whether you are a first time homebuyer or a homeowner looking to refinance.  The option is available to you to get a great rate – usually lower than you’d expect!

Call now to find out what you need to do to get in on one of these loans. 

If your ARM’s adjustable rate is about to reset, there’s no time like the present!

If you are buying a home, there are some great deals out there with all this inventory!

To read more about these programs and more please follow this link:

Florida Mortgage | 100% Loans are Available

There are some general rules that if you follow when making a decision to buy or sell Real Estate in the Orlando Florida that you use to ensure that you make a sound decision.

• "I am not going to take a $x,000 loss on my Orlando Florida home!"
• "I am not giving my Orlando Florida home away!"
• "I don’t want to buy until the absolute bottom of the market"

These are things to think about when you are trying to decide if now is a good time to purchase an Orlando Florida home or sell your Orlando Florida home:

• We understand that you want your home to net the highest amount but sometimes you need to look at what is really going on in the market.  That amount in your head is just that.  Look at what has sold recently and what is on the market.  Make sure that you are the best property in the bottom 25% of those listed. 
• Seller’s tend to be 6 months behind what is going on in the market.  So make sure that you always look at where the Orlando Florida market is headed, not where it has been.  
• Been on the market for 3 months with no activity?  Our best advice ~ Cut your asking price and get your Orlando Florida home SOLD!
•  It doesn’t matter if you are buying or selling Real Estate in the Orlando Florida area, make sure that you plan for the worst case scenario.  Can you afford it? Are you stretching beyond your means? 
• Buyers afraid of purchasing before the market "hits bottom"?  Well think about the possibility that you could end up having to purchase less of a house because interest rates go up when you perceive that the market has hit the bottom.

Each time I hear it, I immediately think back to the popular TV game show

Orlando Florida Buyers Want a Deal!

I hear it daily from Orlando Florida Buyers:  "I want a Real Estate deal!"

Each time I hear it, I immediately think back to the popular TV game show "Let’s Make A Deal" There sometimes you left with a flashy sports car, and sometimes you left with his and her bicycles or worse.    Much like the For Sale by Owners, Orlando Buyers that try to go it alone without the assistance of a Realtor have a difficult time.

It isn’t just in Orlando Florida!  Across the country Realtors are reading it in their emails from buyers, hearing it while we are at Open Houses, and just about every phone call they receive.  "Can you get me a deal?"  Orlando Buyers and those around the country are telling their neighbors and friends.   It is what everyone is talking about.

Realtors hear it over and over. "I want a deal!"  Ok!  We get it!   You want a deal!  But I have something for you to think about…

Do you deserve a Deal?

If there is a buyer out there not demanding they get a deal I would be very surprised!  

And why not?  

The Orlando Real Estate Market favors the Orlando buyers right now.  Inventory is up and many Orlando sellers are anxious.  Now with the increase in foreclosure or short sale opportunities Orlando Buyers seem to think they are entitled to the BEST DEAL!

There are a lot of wonderful Real Estate Opportunities in the Orlando area.  The problem is even though EVERYONE wants a deal, not everyone can get the BEST deals.

• Best Deals are Short Sales and Foreclosures! – think again. There always seem to be many competing offers because everyone wants the same great deal

• Just Make Low Ball Offers! – A better strategy is to make solid offers on properties that are priced correctly.
• Value of a Property is a Personal Factor – Are you getting an Orlando Florida home you love or just dealing with?
• Pre-Qualification is Key! – If you aren’t, no deal. Loan programs are changing daily, with so much competition in looking for deals you will need to be looking good on paper!
• There is lots of competition – Surprise!  You are not the only one sitting on the fence waiting for a great deal!    Well priced Orlando homes in great condition are going to disappear quickly.  Do you really want to be in the position saying "I should have acted faster?"
• Be Ready to Act Quickly With:

So "Let’s make A Deal" Orlando Florida!   Call the Orlando Avenue Top Team today at (407) 467-5155 to start the process of finding your Orlando Florida Deal so you can start calling it home! 

Here are some free safety tips to protect you when traveling to Orlando Florida at home or traveling in the Caribbean.

Here are some free safety tips to protect you when traveling to Orlando Florida at home or traveling in the Caribbean.

•   Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED." 

•   When you are writing checks to pay on your credit card Accounts, DO NOT put the complete account number on the "For" line. Instead, j ust put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it. 

•  Put your work phone # on your checks instead of your home Phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address.  Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.

•  Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will Know  what you had in your wallet and all of the account numbers and phone numbers to Call and cancel. Keep the photocopy in a safe place. I also carry a Photocopy of my passport when I travel either h ere or abroad. We’ve all heard horror stories about fraud that’s committed on us in stealing a Name, address, Social Security number, credit cards. 

  Here’s some critical information to limit the damage in case this happens to you or someone you know:

•   We have been told we should cancel our credit cards immediately. But the key is having the toll fr ee numbers and your card Numbers handy so you know whom to call. Keep those where you can find them.
•  
•  File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit Providers you were diligent, and this is a first step toward an Investigation (if there ever is one).

            

  But here’s what is perhaps most important of all: (I never even thought to do this.)

• Call the 3 national credit reporting organizations Immediately to place a fraud alert on your name and also call the Social Security fraud line number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over The Internet in my name. The alert means any company that checks your Credit knows your informati on was stolen, and they have to contact you by Phone to authorize new credit. 

            Now, here are the numbers you always need to contact about your wallet, etc., has been stolen:

           1.) Equifax: 800-525-6285

           2.) Experian (formerly TRW):   888-397-3742

           3.) Trans Union : 800-6807289

           4.) Social Security Administration    (fraud line):800-269-0271

•  
• Identity protection tips to be aware of at the theme parks in Orlando Florida or at home and online.
  

Lovely Kissimmee small gated community with pool and clubhouse zoned for short term rentals.

Lovely Kissimmee small gated community with pool and clubhouse zoned for short term rentals.   Use for your own personal pleasure and then have it pay for itself by renting out at other times!  Professionally Managed by the association so this is easy for the distant buyer to maintain!

Recently refurbished with new tile, furniture and paint. Retreat to the second floor upstairs "hideaway" which overlooks the living room. This could serve as a hobby room, guest room, play room or retreat for some quiet times.

Located minutes to shopping, dining and area attractions. If you rather play tennis and golf than painting and mowing, this townhouse is the answer! Life is more fun at the Villages at Mango Key.

Call the Orlando Avenue Top Team Today (407) 467-5155 for more inforamtionon this exciting Kissimmee Condo close to all that Oralndo has to offer!

So you’re finally purchasing that new home since the price is down or your ARM Loan’s Adjustable Rate is about to jump so you’re going to finally get a new mortgage.

So you’re finally purchasing that new home since the price is down or your ARM Loan’s Adjustable Rate is about to jump so you’re going to finally get a new mortgage.   Well, you are in luck if you are going to start your transaction right now! 

Why?  This is the ideal time of year to start the process of a Mortgage. 

In Florida, property taxes are paid in arrears.  This means you pay at the end of the year for the prior year.  (Insurance is paid in advance, you pay your policy to cover you for the upcoming year)  Also, you receive a 4% discount for paying your annual property taxes in November. 

So if you close on a mortgage in August, September or October, you end up paying an entire year of property taxes at the closing table!  With Florida property values and our crazy tax system, this can be a hefty sum.  On top of this, you have to "seed" your escrow accounts with approximately 2 months of payments for taxes and escrows. 

To learn how your mortgage broker can help you save money at the closing table, follow this link to my main website to read all about it:

Florida Mortgage | Refinance ~ Purchase ; Money Saving Tips

Associates in Dermatology is Orlando Florida Skin Cancer and Skin Care Specialists was founded by Dr. William A. Steele.

Last week our team attended the free gathering of BLOGGERS in Orlando at BLOGORLANDO. At this event we learned what is the latest in technology and how to untilize Social Media to better reach our community.

Hey Orlando Florida Do You Know What is Facebook?

Last week our team attended the free gathering of BLOGGERS in Orlando at BLOGORLANDO.  At this event we learned what is the latest in technology and how to untilize Social Media to better reach our community.   So to assist you in getting to know part of this Social Media Revolution, we thought we would introduce our Orlando Community to FACEBOOK…

We came away excited and ready to implement much of what we learned.  Teri Isner wrote earlier about her experiences here and I wrote about mine and the imporance of Realtors Blogging.  So what does social media have to do with buying and selling homes in Orlando Florida?  Social media is changing the way that we interact with people, and the more people that we can get your property in front of the better it is for you. 

Do I need to be on Facebook?

Where did it start and how did it come into being?  Facebook is growing in popularity and started with college kids and has quickly grown into a way that professionals connect… What exactly is it? It is another one of the growing Social Media Networks out there.

As a Social Network, you are able to network with new people and get involved with them on a totally different level. The real question is do you want to be on Facebook?

Check it out, and definitely watch the video… It has some interesting history behind Facebook. The real question is do you want to be on Facebook? Only you can decide that…

If you join facebook you can find us easily by our names, or in the Orlando Network!

The beauty of Social Media is that there are more than one way to connect with people.  For every type of Social Media that I know about, there are 10 that we are just learning about!  Check out some of the other forms of Social Media that we are aware of:

• Twitter
• Digg
• Linkedin
• YouTube
• Technorati
• ActiveRain
• Flickr
• Del.icio.us
• Mashable
• MySpace

Selling your Davenport Florida home by yourself there are many things that you have to think about.

Are you For Sale by yourself in Davenport Florida?

Selling your Davenport Florida home by yourself there are many things that you have to think about.

 Your home isn’t selling but you don’t know why?

Many of these things that the Orlando Avenue Top Team takes care of for our sellers in Davenport Florida:

• Effective pricing of your Davenport Florida property. The market changes rapidly, a good Realtor is abreast of the changes and what will affect your listing price. These things can change daily in Davenport Florida.
• Home Buyers in the Davenport Florida are well educated with access to public records. They do a considerable amount of research and will pass over an over priced listing.
• Are you prepared to do the negotiating with the buyers? Sometimes there are personal emotions that get in the way – a good realtor is an excellent buffer for you.
• Do you know where to advertise in Davenport? What advertising is most effective?
• Are you prepared to miss potential Davenport Florida buyers by not being listed in the Multiple Listing Service.
• Are you providing lots of photos and visual tours on your website for your Davenport Florida listing? What is the page rank of your website? In Google Searches is your website coming up on page one? 80% of buyers start their search on the Internet
• What about your personal security? Strangers coming to your home going through and you have no idea who they are or if they are just looking for an easy target?
• How are you going to handle showings? Especially those last moment. If you use a Realtor we have systems in place to ensure you won’t miss a showing!

• Qualifying potential Davenport buyers, handling paperwork, ensuring that deadlines are kept.