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4 Stats That PROVE This Is NOT 2005 All Over Again

August 19th, 2016 by tisner

4 Stats That PROVE This Is NOT 2005 All over Again | Keeping Current Matters

Recent research by the realtor.com examined certain red flags that caused the housing crisis in 2005, and then compared them to today’s real estate market. Today, we want to concentrate on four of those red flags.

  1. Price to Rent Ratio
  2. Price to Income Ratio
  3. Mortgage Transactions
  4. House Flipping

All four categories were outside historical norms in 2005. Home prices were way above normal ratios when compared to both rents and incomes at the time.

They explained that mortgage transactions as a percentage of all home sales were also at a higher percentage:

“Loose credit was one of the main culprits of the housing crisis. Mortgage lending expanded dramatically as unhealthy housing speculation reached its peak and was met by the highest level of credit availability as measured by the Mortgage Bankers Association. The index measures the overall mortgage credit condition by the share of home sales financed by mortgages. This metric does not capture credit quality, but it does set a view of the importance of financing in supporting the housing market.”

House flipping was rampant in 2005. As realtor.com’s research points out:

“Heightened flipping activity is a clear indication of speculation in the real estate market. A property is considered as a speculative flip if the property is sold twice within 12 months and with positive profit. Flipping is a normal part of a healthy housing market. In an inflated housing market, expectations about short-term profit from pure price appreciation are very high; therefore, the level of flipping activity would show evidence of being heightened.”

Here are the categories with percentages reflecting the unrealistic ratios & numbers of 2005 as compared to the current market. Remember, a negative percentage reflects a positive gain for the market.

4 Stats That PROVE This Is NOT 2005 All over Again | Keeping Current Matters

Bottom Line

They say hindsight is 20/20… Today, experts are keeping a close watch on the potential red flags that went unnoticed in 2005.

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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Do You Know the Impact Your Interest Rate Makes?

August 5th, 2016 by tisner

Do You Know the Impact Your Interest Rate Makes? [INFOGRAPHIC] | Keeping Current Matters

Some Highlights:

  • Interest rates have come a long way in the last 30 years.
  • The interest rate you secure directly impacts your monthly payment and the amount of house that you can afford if you plan to stay within a certain budget.
  • Interest rates are at their lowest in years… RIGHT NOW!
  • If buying your first home, or moving up to the home of your dreams is in your future, now may be the time to act!

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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3 Crucial Questions Most Home Buyers Don’t Know the Answer To…DO YOU?

July 15th, 2016 by tisner

3 questions

Whether you are considering the purchase of your first home or trading up to the home your family frequently fantasizes about, there are three crucial questions you must know the answer to:

  1. What is the minimum down payment required to purchase a home?

  2. What is the minimum FICO score required to qualify for a mortgage?

  3. What is the maximum Back-End DTI Ratio allowed?

A survey conducted by Fannie Mae revealed startling information: most Americans don’t know the answer to these three crucially important questions. Here is a graphic showing the results of the survey:

3 Crucial Questions Most Home Buyers Don’t Know the Answer To. DO YOU? | Keeping Current Matters

The percentages are quite disturbing but can explain why so many people believe they are not eligible to purchase a home whether it is a first home or a trade-up home. Here are the actually requirements as per Fannie Mae:

3 Crucial Questions Most Home Buyers Don’t Know the Answer To. DO YOU? | Keeping Current Matters

Bottom Line

If you are considering purchasing a home, make sure you are aware of all your options before moving forward.

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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Windermere Florida Real Estate Market Statistics – Jan 2016

January 28th, 2016 by tisner
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…

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.

Celebration Florida Real Estate Market Statistics – February 2014

February 12th, 2014 by tisner

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

You will see there is detailed information about days on the market, the average selling price and median selling price as well as the number of homes sold. Just open the tab for more information.

You can also view these homes on a map or click on the tabs to the left for more detailed information.

You can also view schools in the 34747 zip code and detailed community information by selecting the tabs in the upper left.

Market snapshots are also available for Celebration condo and townhome sales.

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.

And don’t hesitate to email Teri at any time for more information.

Thanks for watching and visiting www.OrlandoAvenue.com.

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.

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

Kissimmee Florida Real Estate Market Statistics – February 2014

February 12th, 2014 by tisner

Welcome to your up-to-the-minute February 2014 edition of Market Snapshot for Windermere 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.

You will see there is detailed information about days on the market, the average selling price and median selling price as well as the number of homes sold. Just open the tab for more information.

You can also view these homes on a map or click on the tabs to the left for more detailed information.

You can also view schools in the 34741 zip code and detailed community information by selecting the tabs in the upper left.

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.

And don’t hesitate to email Teri at any time for more information.

Thanks for watching and visiting www.OrlandoAvenue.com.

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.

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

Windermere Florida Real Estate Market Statistics – February 2014

February 12th, 2014 by tisner

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

You will see there is detailed information about days on the market, the average selling price and median selling price as well as the number of homes sold. Just open the tab for more information.

You can also view these homes on a map or click on the tabs to the left for more detailed information.

You can also view schools and detailed community information in the 34786 zip code by selecting the tabs in the upper left.

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.

And don’t hesitate to email Teri at any time for more information.

Thanks for watching and visiting www.OrlandoAvenue.com.

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.

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

Home Tips from Teri: Shop Smarter – Don’t Break the Bank On Black Friday!

November 14th, 2013 by tisner

This week’s edition, Shop Smarter – Don’t Break the Bank On Black Friday, includes tips for easy holiday budgeting.  Be sure to take a look and learn how to compare prices online, shop with a plan and resist the urge to splurge!

On the right there are buttons to search Orlando homes for sale, Request the value of your home, and Refer a friend. If you scroll to the bottom of the page, you can join us on social media.

Teri’s Home Tips are delivered by email each month. Hit the ‘refer a friend’ button and enter your name and email to subscribe.

Do you know someone who is buying or selling property? We can help. Just click the ‘refer a friend’ button.

We hope you enjoyed this information, compliments of Teri Isner and the Orlando Avenue Top Team. Thanks for watching!

For more information on Orlando real estate, visit OrlandoAvenue.com.

Teri Isner

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 17 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!

Orlando FL Real Estate Market Trends – August 2013

August 25th, 2013 by tisner

The cost of buying a Orlando FL home is going up. What’s behind the rise in interest rates? Is now still a good time to buy? Here’s an interesting video explaining a little bit about why mortgage rates are rising. There’s also a little bit in here about how “staying on the fence” could lead to a higher monthly payment.

Rates are still historically low and it’s a great time to buy. Wondering if now is the time for you to buy a Orlando FL home? Give us a call! We’ll help lay out your options so you can make an informed decision.

Take a look at sales figures in our local real estate market for July 2013.

Orange County Real Estate Sales Statistics – July 2013

Orange County saw 212 more homes sold in July 2013 than July 2012, a 12 percent increase. The average sales price increased by 19 percent and the median sales price increased by 22 percent from July 2012.  Market times decreased by 22 days or 15 percent.

Orange County Homes Sold Average Sales Price Median Sales Price Average Market Times 
July 2013  1,748  $ 210,744  $ 165,000 123
July 2012 1,536  $ 171,471  $ 129,250 145

 

Osceola County Real Estate Sales Statistics – July 2013

Osceola County homes saw home sales increased by 40 homes, a 7 percent increase. Prices increased with the average sales price up 22 percent and the median price increased by 21 percent.  Market Times decreased by 23 days compared to July 2012.

Osceola County Homes Sold Average Sales Price Median Sales Price Average Market Times 
July 2013 542  $ 169,109  $ 138,804 135
July 2012 502  $ 132,280  $ 110,000 158

 

Seminole County Real Estate Sales Statistics – July 2013

Seminole County residential sales increased by 14 percent with 97 more homes sold in July 2013. The average sales price increased by 16 percent, and the median sales price increased by 18 percent compared to July 2012 levels. Market times decreased by 25 days or 17 percent.

Seminole County Homes Sold Average Sales Price Median Sales Price Average Market Time 
July 2013 680  $ 204,632  $ 170,000 121
July 2012 583  $ 171,403  $ 139,000 149

 

Lake County Real Estate Sales Statistics – July 2013

Residential sales in Lake County increased with 126 more homes sold a 23 percent increase. The average sales price increased by 15 percent, and the median sales price increased by 18 percent for the month compared to July 2012.  Market times decreased by 22 days.

Lake County Homes Sold Average Sales Price Median Sales Price Average Market Time 
July 2013 542  $ 152,912  $ 140,000 158
July 2012 416  $ 130,315  $ 115,000 180

 

Polk County Real Estate Sales Statistics – July 2013

Polk County saw 98 more homes sold in July 2013 compared to July 2012.  The average sales price increased by 12 percent, and the median sales price increased by 16 percent.  Market times decreased by 13 days compared to July 2012.

Polk County Homes Sold Average Sales Price Median Sales Price  Average Market Time
July 2013 789  $ 130,061  $ 114,900 147
July 2012 696  $ 114,048  $ 96,995 160

It’s still a great time to get your best price on an Orlando home. 

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 17 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!

 

 

9 Ways You Know You Live in Downtown Orlando

August 7th, 2013 by tisner

The Orlando Sentinel has this great article “9 Ways You Know You Live in Downtown Orlando!” It’s great fun!!

 

There’s no other place in Central Florida quite like downtown Orlando.

From its abundance of bars and clubs to its brick streets that line the surrounding neighborhoods, downtown Orlando is a special place that attracts a special type of resident.

You know who you are because, unlike your friends who live in Altamonte Springs or Dr. Phillips, you’re OK watching young couples argue as they walk home on a Saturday night. You look forward to the Sunday morning Farmers’ Market and the guy who sells the world’s best orange juice. And a quiet night out means going to the bars in Thornton Park instead of the clubs on Church Street.

For those who dwell along Orange Avenue, walk to the Amway Center for Orlando Magic games and stroll around Lake Eola Park every weekend, we’ve complied a list for you: ‘9 Ways You Know You Live in Downtown Orlando.”

And if you have a suggestion for the list, email jbusdeke@orlandosentinel.com, tweet me @JonBusdeker or message me on Facebook. I’ll post the best ones here on my blog.

Thanks Jon!

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 17 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!

Teri Isner, CIPS, CRS, GRI
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Suite 200
Celebration, Fl 34747

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