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8/13/2019 Real Estate Newsletter
1/8
ITS TIME:
Real Estate WatchFEBRUARY 2014 CENTRAL FLORIDA LA ROSA REALT
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sit amet, suspendissenulla, rhoncus tempplacerat fermentum
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.
8/13/2019 Real Estate Newsletter
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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.
8/13/2019 Real Estate Newsletter
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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.
8/13/2019 Real Estate Newsletter
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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
cellphone: 407-506-7070
Take A Look:
8/13/2019 Real Estate Newsletter
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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 !
8/13/2019 Real Estate Newsletter
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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.
8/13/2019 Real Estate Newsletter
7/8
8/13/2019 Real Estate Newsletter
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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 ?
787-221-0880