October 16th, 2017 by tisner
Saturday, October 21, 2017 – 10:00 AM to 5:00 PM
Sunday, October 22, 2017 – 10:00 AM to 5:00 PM
Winter Springs Town Center
158 Tuskawilla Rd.
Winter Springs, FL
A celebration featuring art, German food and drink, live entertainment, kids’ crafts and more!
Event Website
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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Tags: art, ARTober Fest, German food and drink, kid friendly events, orlando avenue top team, Teri Isner, Things to do Orlando, Winter Springs Town Center
Posted in 365 Orlando, Just for Fun | No Comments »
October 13th, 2017 by tisner
Regardless of what a lender quotes on mortgage rates, the actual rate a borrower pays is based on a number of variables. Lenders determine whether to loan money and at what rate based on the risk involved with the transaction.
Factors that increase the risk that the loan will be repaid will proportionately increase the interest rate charged to the borrower. If the risk becomes too high, the loan will not be approved.
- Loan amounts – conventional mortgages above conforming limits as set by Fannie Mae and Freddie Mac are considered jumbo loans and generally have a higher interest rate.
- FICO score – the lowest interest rate is reserved for the highest score; the lower the score, the higher the rate the borrower will pay.
- Occupancy – borrowers occupying a home as their principal residence are considered a better loan risk than second homes and investment properties.
- Loan purpose – purchase transactions generally have the lowest interest rate with refinancing for better rates and terms being priced slightly higher. An even higher rate might be charged for refinancing and taking cash out of the property.
- Debt-to-Income Ratio – a borrower’s monthly liabilities divided by their gross monthly income develops a ratio that helps lenders to assess the borrower’s ability to repay the mortgage.
- Property Type – some types of property are considered higher risk than others which could adversely affect the rate.
- Loan-to-value – the lower the percentage of the loan to the appraised value of the property will generally lower the interest rate.
Any combination of these factors could limit a borrower’s ability to secure a mortgage at the rate initially quoted. Pre-approval by a trusted mortgage professional can be the best way to know what rate you can expect to pay. Please call for a recommendation of a trusted mortgage professional.
By: PatZaby.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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Tags: FICO score, first time home buyers, home buying, home loans, mortgage loans, orlando avenue top team, Teri Isner, tes
Posted in Orlando Buyers | No Comments »
October 12th, 2017 by tisner
The Windermere Real Estate Market Trends Report shows the average sales price was $576,725 in September 2017 compared to $496,616 in September 2016. Homes were on the market for an average of 77 days compared to 95 days last year. Homes sold for 97% of the list price.
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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Tags: home prices, home sales, housing market update, housing market updateh, orlando avenue top team, Orlando Sellers, Teri Isner, windermere florida, Windermere Real Estate Market Report
Posted in General Real Estate, Orlando Buyers, Windermere | No Comments »
October 12th, 2017 by tisner
The Celebration Real Estate Market Trends Report for 34747 shows 98 homes sold in September 2017 compared to 78 in September 2016. The average sales price was $286,656 compared to $290,685 in September 2016 and homes were on the market an average of 143 days, up from 111 days in September 2016.
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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Tags: celebration florida, Celebration Real Estate Market Report, home prices, home sales, housing market update, orlando avenue top team, Orlando Sellers, Teri Isner
Posted in Celebration, General Real Estate, Orlando Buyers | No Comments »
October 9th, 2017 by tisner
October 13, 2017 – October 15, 2017 – 10:00 AM to 5:00 PM
Orange County Convention Center
9800 International Drive
Orlando, FL 32819
The largest trade and consumer show in North and South America dedicated to cake, chocolate, sugar arts and more will be held at the Orange County Convention Center in Orlando, Florida. The event, hosted by Satin Ice, will feature industry celebrity headliners, including TLC’s “Cake Boss” Buddy Valastro and other Food Network stars, more than 100 hands-on classes and demonstrations, cake competitions, live challenges, a sugar art fashion show and a VIP meet and greet with celebrities.
Event Website
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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Tags: baking, cake competitions, cakes, Food Network, live challenges, Orange County Convention Center, orlando avenue top team, sugar art fashion show, Teri Isner, The Americas Cake Fair, Things to do Orlando
Posted in 365 Orlando, Just for Fun | No Comments »
October 9th, 2017 by tisner
Moving into a new home means looking for the right touch for the blank walls. Artwork or family photos are the perfect fillers for these spaces, and hanging them can be a task. Let’s look at some practical rules and tips for making those plain spaces come to life.
Single Frames
- Pick your space, picture to hang, and gather measuring tool, chalk or pencil, level, hammer and nails or screwdriver and screws. Picture-hanging kits can be purchased at hardware and home stores as well.
- If the place you’ve chosen doesn’t have a stud for a nail, it is best to use an anchor and screw hanger. These are inexpensive, and can be found in any hardware store. Follow the easy instructions for installation for a strong mount for the picture.
- Measure up to approximately 57” on the wall; this is where the center of your picture should be–average eye height. The top of the frame will obviously be higher.
- Hold the frame up to the wall and use a pencil or some chalk to mark the approximate place for the nail/anchor screw.
- Install the hardware you’ve chosen, and hang the frame.
- Sometimes the frame doesn’t want to hang level. Use self-stick rubber dots on the back corners of the frame; these will hold it in place, and protect the wall from damage.
Gallery Walls
- If you’re creating a gallery wall using several pieces, and include family snapshot photos, children’s artwork, art prints, and even fine art.
- Create a clean, modern look by using the same style and color frames, same color palette, or same theme.
- Use the largest picture for a focal point. Hang it first, using the 57” on-center idea.
- Make templates of your artwork with newspaper. Lay your pictures down on the paper, and trace around the edge. Cut the templates out.
- Place the templates on the floor, or on the wall with masking tape, in any formation you like, changing the arrangement until it looks like a well-fitted puzzle.
- Not all large pieces need to be in the center; a pleasing arrangement would have the focal point hanging to the left of your display, with smaller frames hung on the right.
- Once you are satisfied with your mock-up gallery, hang the pictures using the first four tips.
Bonus Display Tips
- Renters or anyone who doesn’t want to bother with hammer and nails can use removeable sticky strips for framed pieces. 3M Command Strips are perfect for this easy display idea.
- Use an art ledge for an easy display. These can be purchased at home stores and painted or stained to suit your style. Attach to the wall at the 57” level, or 12” above the furniture, and place your pictures and artwork on them–no other hardware needed!
- There are a multitude of free printables–seasonal and inspirational quotes–available on the internet. Keep one or two spaces on your walls for a quick-change whenever you feel the need.
No matter your decorating style, hanging framed items has a few rules that you should follow for aesthetics’ sake, but choosing what to display and how many is a personal decision. Make your home your own by showing off what you love most, making the statement with your framed decorations.
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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Tags: gallery wall, hanging framed photos, home aesthetics, home decor, home decorating, homeowners, homeownership, orlando avenue top team, Orlando Sellers, Teri Isner
Posted in Home Tips from Teri, Orlando Buyers | No Comments »
October 6th, 2017 by tisner
Buyer’s mortgage pre-approval is good for everyone in the transaction. It saves time, money and removes the uncertainty of knowing whether the buyer will be qualified after negotiating a contract. The direct benefits include:
- Looking at “Right” homes – price, size, amenities, location
- Find the best loan – rate, term, type
- Uncover credit issues early – time to cure possible problems
- Negotiating power – price, terms, & timing
- Close quicker – verifications have been made
There is a significant difference in having a trusted mortgage professional take a loan application and run all the necessary verifications compared to going through calculators on a lender’s website. Beside the peace of mind, the cost of being pre-approved is a bargain and generally, limited to the cost of the credit report.
Even if a person has been pre-approved, a second opinion from a different lender may be a good option. It can verify there is a good deal or you’ll discover that you can improve it. Either way, it works to your advantage. Contact me if you’d like a recommendation of a trusted mortgage officer.
By: PatZaby.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.
Get Orlando Daily News delivered to your inbox! Subscribe here!
Tags: buying a house, first time home buyers, homebuyers, homeowners, mortgage, orlando avenue top team, Orlando Sellers, pre-approval, sellers, Teri Isner
Posted in General Real Estate, Orlando Buyers | No Comments »
October 3rd, 2017 by tisner
October 5, 2017
Orlando Museum of Art
2416 North Mills Avenue
Orlando, FL 32803
Time: 6:00 PM to 9:00 PM
Admission: $15
Phone: (407) 896-4231
During this 1st Thursday event, artists extend beyond earthly boundaries for inspiration to create works depicting dark/horror/goth and other Halloween themes: Hollywood inspired movie or TV icons, eerie or creepy landscapes and architecture, ghostly or ghoulish images, spooky or spoofy – anything associated with the paranormal, the uncanny and the unexplained.
Event Website
Purchase Tickets Here
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!
Tags: ghostly or ghoulish, Ghosts and Ghouls, goth, Halloween, Hollywood inspired movie, horror, orlando museum of art, Orlando Museum of Art’s 1st Thursdays, paranormal, spooky, Teri Isner, Things to do Orlando
Posted in 365 Orlando, Just for Fun | No Comments »
October 3rd, 2017 by tisner
Relocating to a new city, or even a new area, can be hard enough without missing your old friends. Finding new friends and acquaintances can be easy if you put some effort and a little research in it.
Your New Neighbors
- Once you’re settled, go for a walk and introduce yourself when you see neighbors outside.
- Have a porch or front yard gathering on a weekend afternoon. Offer light, simple snacks and invite the whole neighborhood.
- Get outside and work on the landscaping, small DIY projects, or sit on the front steps with a good book. Your neighbors then have the opportunity to say hello.
- Just a few outdoor decorations can bring compliments from neighbors, always an easy way to start a conversation.
- If you have pets, especially a dog, they make great ice-breakers when you’re out for a stroll.
- Visit your local small businesses and you’ll see enough familiar faces over time that saying “Hello” will be easy.
- Ask your realtor if there’s a neighborhood community center, and call to see how you can get involved.
- Children make great conversation-starters. They love finding nearby kids to hang out with, and taking them for a bike ride is a great way to get to know other families.
- Host a fun, child-centered activity in your front yard with outdoor games and snacks. Invite the kids in the neighborhood and their parents, and they will come!
Your New Town
- Ask current friends if they know anyone in your new area, and get in touch with them.
- Contacts from local organizations–these can provide you with lots of information about your new hometown, as well as introduce you to new people.
- Search social media for events taking place in your area and go to them!
- Invite your new coworkers to lunch or coffee.
- Getting the kids involved in activities will connect you with locals and other parents.
- Hobbyists sometimes have get-togethers for like-minded people. Find a nearby group with your same interest, and join them.
- School parent organizations are a great place to meet other parents.
It seems that we are always busy working, or driving our children to so many activities, that a relaxing weekend in front of the tv sounds like the perfect down time. Getting to know who your neighbors are, however, can be invaluable to feeling at home in your new home, and only takes a little effort on your part.
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!
Tags: how to meet people, meeting new friends, moving, moving to a new city, neighbors, orlando avenue top team, Orlando Sellers, Relocating, Teri Isner
Posted in Just for Fun, Orlando Buyers | No Comments »
September 29th, 2017 by tisner
The number of building permits issued for single-family homes is the best indicator of how many newly built homes will rise over the next few months. According to the latest U.S. Census Bureau and U.S. Department of Housing & Urban Development Residential Sales Report, the number of these permits were up 7.7% over last year.
How will this impact buyers?
More inventory means more options. Danielle Hale, Realtor.com’s Chief Economist, explained this is good news for the housing market – especially for those looking to buy:
“It’s not spectacular construction growth, but it’s slow and steady in the right direction. Eventually, the pickup in single-family home construction will mean [buyers] will have more options. Especially with the limited number of sales right now, more options are really needed.”
How will this impact sellers?
More inventory means more competition. Today, because of the tremendous lack of inventory, a seller can expect:
- A great price on their home as buyers outbid each other for it
- A quick sale as buyers have so little to choose from
- Fewer hassles as buyers don’t want to “rock the boat” on the deal
With an increase in competition, the seller may not enjoy these same benefits. As Hale said:
“As new construction continues to increase, home shoppers will eventually have more [choices] and a bit more time to make purchase decisions compared to today’s quick-moving housing market.”
Bottom Line
If you are considering the sale of your home, it might make sense to beat this new construction competition to the market.
By: 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.
Get Orlando Daily News delivered to your inbox! Subscribe here!
Tags: home sellers, homeowners, housing market update, orlando avenue top team, Orlando Sellers, sellers, selling your house, Teri Isner
Posted in General Real Estate, Home Tips from Teri | No Comments »
