real estate newsletter

8/13/2019 Real Estate Newsletter

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ITS TIME:

Real Estate WatchFEBRUARY 2014 CENTRAL FLORIDA LA ROSA REALT

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Mortgage Forecast for 2014 13 Housing Survey Rent Vs. Buy

Current Rates Warrantee & Staging Coupon Quiz My Listings

As the unemployment rate drops and consumer confidence increases, more buyers are entering thehousing market and sellers are finding that they have more leverage in negotiating the going prices otheir homes. - Wall Street Journal

Content:

TAX SAVINGS APPRECIATION POTENTIAL STABILITY

We dont SELL you a House. We FIND you a home.


2/8

HOW SMART OF A HOME

BUYER ARE YOU ?

SOURCE: KIPLINGER

1. Which matters more being:

A. pre-qualified

B. Pre-approved

2. When buying a home "For

Sale By Owner," you can't

use a buyer's agent.

A. True

B. False

3. How much should you

expect to pay for closing

costs?

A. Less than 1% of purchaseprice

B. 3% to 6% of purchase price

C. Around 10% of purchase

price

4. The title insurance you're

required to buy in order to

get your loan is for your

own protection.

A. TrueB. False

5. If you draw any money from

your Roth IRA to buy your

first home, you have to pay

it back before retirement.

A. True

B. False

6. Adjustable-rate mortgagescan still be a good deal for

some people, even when

rates are rising.

A. True

B. False

Mortgage Forecast 2014Source: MyRealtyTimes

Every prospective homebuyer hopes to capture the bestpossible interest rate when applying for a mortgageloan.While no one can be certain exactly what the

mortgage interest rate picture might look like in severalmonths or a year, most mortgage bankers agree that rateswill rise over the next twelve months perhaps risingabove the five percent mark as soon as the second quarterof 2014.

What does this mean for homebuyers? Put simply,prospective buyers should not waste time in shopping for amortgage. With more stringent lending guidelines and newpolicies governing the terms of what constitutes a qualified

mortgage, the application process may take a little longerthan it has in recent years. Anyone looking to buy a homeshould begin the loan pre-approval process as soon aspossible in order to lock in the most attractive ratespossible before they begin to rise.

If youre on the fence about buying a new homewaiting could cost you.

2013 National Housing Survey:

! 50% believe it will be easy to get a mortgage, up 5% from lastyear and the highest it has been.

! 49% believe home prices will rise over the next year, up 6%from last year.

! 67% say now is a good time to buy a house, up 3% from theprevious month.

! 66% stated that they would buyif they were to move.

! Over 50% believe that rent prices will increaseover the next12 months.


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Quiz Continued

7. About how much will a home

inspection typically cost

you?

A. $75-$100

B. $300 - $400

C. $500

8. Who needs private mortgage

insurance?

A. Buyers with a down payment

less than 20%

B. Buyers with a down payment

more than 20%

C. It's optional for all buyers

D. It's mandatory for all buyers

9.You find a condo you like.

Your realtor tells you two

other units in the building

sold for $200,000 and

$225,000. What should you

offer?

A. $180,000 - $190,000B. $200,000 - $225,000

C. Hold On. I need more info

10. As a new homeowner, what

costs can you deduct from

income when you file your

federal taxes?

Mortgage interest

B. Property taxes

C. Points paid at settlementD. Private mortgage insurance

(through 2013)

E. Everything except D

HOW DID YOU DO?

Correct Answers:

1.B 2.B 3.B 4.B 5.B 6.A 7.B 8.A 9.C 10.E

Are you sure renting is better?

Invest your money SMARTER. Invest in your house , NOT a payment.

Renting

Vs. Buying

Cost comparison for a renter and a homeowner over a seven year period.

- The renter starts out paying $800/month with annual increases of 5%

- The homeowner purchases a home for $110,000 with a monthly mortgage of $1,000

- After 6 years, the homeowners payment is LOWERthan the renters monthly payment.

- With the tax savings of homeownership, the homeowners payment is LESS thanthe

rental payment after 3 years.


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To Change the Real EstateIndustry and Become the NextGeneration of Real Estate bysimply o"ering Realtors anopportunity to truly Grow TheirBusiness by providing the mostcutting edge technology,education, and support that willmaximize their potential forGrowth.In addition to providing thesesystems and tools, La Rosa willallow Real Estate Professionalsthe opportunity to be rewardedfor their production by o"ering a

compensation plan unlike anyother Real Estate Brand withinthe Markets in which La RosaRealty operates.

What does this mean for the

Client?

Our Realtors are equipped to

satisfy your need, not only will

they find you a home, but they

are highly trained on customer

service. We want to make this

amazing journey and a

pleasurable one. Because a

GREAT Generation, starts

with GREAT Families, and

GREAT families start at a

GREAT home.

- Norkis O. Fdez-Valdez

Behind Every GREAT

Realtor, there is a GREAT

Team

Interested?

THIS IS ME :

Mission Statement

I am a passionate and talented consultant dedicated to delivering

world-class service to my clients. Whether you are looking for a

house, selling a house, or just want to know about the market, you

can count on me.

Vision Statement

To be the Real Estate Consultant of choice, and one who goes

above and beyond to provide the client the maximum

satisfaction.

Business experience and Training

La Rosa Realty

Keller Williams Realty Advantage III - Lake Nona Realty

Keller Williams University

Exit Real Estate Professionals

Certified Short sale and Foreclosure Specialist

Member Institute of Residential Marketing, SFR, REO, CSP, CHS

Personal:

Hi, my name is Norkis O. Fdez-Valdez. Im dominican. Born andraised in New York. Ive been living in Florida for nine years now. I

have three beautiful daughters with my husband, Eddie, who Ive b

married to for eighteen years. I love fashion, candle making, music

decorating, cooking, and taking new challenges as an entrepreneur,

as an individual as well.

Contact Information:

Norkis O. Fdez-Valdez

Realtor/Consultant

[email protected]

cellphone: 407-506-7070

Take A Look:


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LET ME HELP YOU FIND A

HOME, and your

WARRANTEE IS COVERED.

I can help you increase the value of your home with a free consultation

for staging and increasing the Curb Appeal.

WELCOME TO LAKE NONA

Source: http://learnlakenona.com

GET YOUR HOUSE READY TO

SELL:

FREE STAGING

CONSULTATION

VALID FOR 2014 !


6/8

THANK YOU FOR YOUR TIME

Dont forget to share this with your friends ! In effort to help our community, I

want to donate $1, per share, to the Nemours Childrens Hospital! Share

coupons, and valuable information with your friends, and at the same time make

a difference.


7/8


8/8

With a NEW HOME, comes a NEW

LIFE WHY NOT A NEW YOU ?

EW MARKETS OPENING in 2014:

OLOMBIA AND BRAZIL

Interested in knowing more ?

[email protected]

[email protected]

787-221-0880

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