Professional Teacher Artist RealtorI have mentioned before I consider myself and I am sure all Realtors would called them self's Professionals.
As a professional I go to work everyday ready and dressed for business. I prepare myself to meet new and old clients whether they come into the office. or out of the office for a meeting. I am prepared to close a sale on a new home, get a listing agreement, get an offer on a new home for one of my clients.I am ready as a professional real estate agent doing something I love to do help clients and friends with all there real estate needs. And sometimes just being there to talk with them. My door is always opened. And everyday I show up ready to go.
I also consider myself an Artist. Being a restaurant owner and Chef I was always using my imagination to create a new dish for my menu. A dish that would make your taste buds explode and you craving more.So think about this. Have you ever looked at yourself as an artist. Think about this. You first make contact with you clients who are looking for a new home . They tell you what they are looking for, bedrooms, bathrooms, price range, pool, ocean view, condo, single family home. You go to you canvas, to us its the flat screen monitor, you search the MLS for what your clients have told you they wanted in a new home. You the artist, you are picking out your paints, your colors, the homes show your clients. You go out with your clients in search for that masterpiece, the home of there dreams. As you go from one home to another picking out the best features of each home you see, its like you are putting the beautiful colors to your canvas. Once you have found this perfect home for them and you are sitting at the closing table, all you have to do is sign your masterpiece. You the Artist. Maybe crazy, but its fun.
Now the Teacher. You have to educate your clients about this crazy market we have in this country today. Unlike anything I and I am sure most Realtors have ever seen before, with all the homes on the market, the short sales, the bank owned properties. We are selling in a different world. You as a teacher have to help them in making the right desissions, When you are showing homes you need to explain what is happening in the market today. The good, the bad and the ugly. I have seen in the last few months and for this time of the year here in Florida we have had an increase in buyers looking for great deals. Unaware of some of the problems with especially short sales, the length of time it could take and not get the approval of the sale because the offer is to low. People have the misconception that every home owner whose house in on the market is desperate to sell. Its not that way in most cases.
If I have a client and I have had, I do my best to tell them the right and wrong way to buy a house. I have to be the Teacher. I just hope they listen.
For information on Delray Beach Real Estate go to www.delraybeachprimeproperties.
Sunday, August 16, 2009
Wednesday, August 5, 2009
Pelican Harbor in Delray Beach
Pelican Harbor located on the Intracoastal Waterway southeast section of exciting Delray Beach Florida
Featuring Single Family waterfront and pool homes, Condominiums and Townhomes.
This marina community has the best of everything. 2 large community pools, one located by the lighted tennis courts and the other pool is located by The Royal Pelican Yacht Club on the water with a deck and Tiki Bar over looking the docks of Pelican Harbor. With a wide variety of activities, residents are invited to join participate.Club House to meet and have fun, and a Fitness center Plus a Guard gated Community.
Driving through Pelican Harbors brick paved streets and tropic landscaping makes the beautiful setting a great place to call home.
Pelican Harbor has water on three sides making it a great boating community, deep water and no fixed bridges to The Atlantic Ocean, making easy access for your boating pleasure.
Single Family Homes feature many floor plans for all you needs, offering 2, 3, and 4 bedroom homes. Townhomes and Condos features 2 and 3 bedrooms. Intracoastal, Bay and Canal views.
Pelican Harbor is a few short minutes from exciting downtown Delray Beachs Atlantic Avenue shoppes, restaurants, day and night life and Delrays fabulous Beach.
Minutes to the south is Boca Raton great shoppes and restaurants.
Delray Beach is located in between Palm Beach International and Fort Lauderdale International Airports.
Come and have fun in the sun, come to Delray Beach Florida
For more information on Delray Beach Real Estate and Pelican Harbor
josephlaviola@outlook.com
Please click on
www.delraybeachprimeproperties.com
Featuring Single Family waterfront and pool homes, Condominiums and Townhomes.
This marina community has the best of everything. 2 large community pools, one located by the lighted tennis courts and the other pool is located by The Royal Pelican Yacht Club on the water with a deck and Tiki Bar over looking the docks of Pelican Harbor. With a wide variety of activities, residents are invited to join participate.Club House to meet and have fun, and a Fitness center Plus a Guard gated Community.
Driving through Pelican Harbors brick paved streets and tropic landscaping makes the beautiful setting a great place to call home.
Pelican Harbor has water on three sides making it a great boating community, deep water and no fixed bridges to The Atlantic Ocean, making easy access for your boating pleasure.
Single Family Homes feature many floor plans for all you needs, offering 2, 3, and 4 bedroom homes. Townhomes and Condos features 2 and 3 bedrooms. Intracoastal, Bay and Canal views.
Pelican Harbor is a few short minutes from exciting downtown Delray Beachs Atlantic Avenue shoppes, restaurants, day and night life and Delrays fabulous Beach.
Minutes to the south is Boca Raton great shoppes and restaurants.
Delray Beach is located in between Palm Beach International and Fort Lauderdale International Airports.
Come and have fun in the sun, come to Delray Beach Florida
For more information on Delray Beach Real Estate and Pelican Harbor
josephlaviola@outlook.com
Please click on
www.delraybeachprimeproperties.com
Friday, July 31, 2009
Toscana at Highland Beach Florida
I have been writing mostly of Delray Beach and Delray Beach Real Estate. I would like to tell you of another great place to hang your hat.
Highland Beach Florida is 3 miles of beautiful Florida Real Estate on A1A. It has its own Fire and Police Departments. a library, water company, Post Office, St. Lucy Catholic Church, and city government.
Highland Beach is located between the Atlantic Ocean to the east and the Intracoastal Waterway to to west. Connected to Delray Beach on the north and Boca Raton to the south.
Highland Beach has Condo and Townhome living, as well as Multimillion dollar homes with both permanent as well as seasonal residence.
I would like to tell you about one of great condo complex in Highland Beach.
My personal favorite is Toscana at Highland Beach.
Toscana is Mediterranean-style classic with a private Ocean Club directly on the Atlantic Ocean. Located in prestigious Highland Beach, and nestled between the Intracoastal Waterway and The Atlantic Ocean. Toscana features fron 2000 to well over 5000 square feet in living space. Toscana also features Rotunda Reception Gallery Foyers, Luxury 2 and 3 Bedroom Units, Spacious Master Bedroom Suite, Stunning Living Room with Breathtaking Views. Custom Marble Bath, Luxurious Jacuzzi Tub, Custom raised Vanities with Mable top. 9' high Coffered Ceilings, Sold Core, Double-Door Entry. Separate Dining Room for Formal Entertainment. Spacious Terraces(s). Stunning Living Room. His and Hers Walk-in Closets. Premier location between Boca Raton and Highland Beach,Other features include, Manned 24 hr.gate and manned lobby. State of the Art Fitness Centers, Heated Resort-style Pools and Beach Front Mediterranean Style Clubhouse. Poolside Chaise Lounge and Towel service, Poolside Beverage Service, Beach side Beverage Service. Valet parking, Concierge,Assigned Covered Parking, Private High-Speed Elevators, Tennis Courts, Business center, Social Room with Bar and Serving Pantry.
For information on Toscana go to http://www.delraybeachprimeproperties.com/ search communities button
Scroll down to Highland Beach Toscana
Highland Beach Florida is 3 miles of beautiful Florida Real Estate on A1A. It has its own Fire and Police Departments. a library, water company, Post Office, St. Lucy Catholic Church, and city government.
Highland Beach is located between the Atlantic Ocean to the east and the Intracoastal Waterway to to west. Connected to Delray Beach on the north and Boca Raton to the south.
Highland Beach has Condo and Townhome living, as well as Multimillion dollar homes with both permanent as well as seasonal residence.
I would like to tell you about one of great condo complex in Highland Beach.
My personal favorite is Toscana at Highland Beach.
Toscana is Mediterranean-style classic with a private Ocean Club directly on the Atlantic Ocean. Located in prestigious Highland Beach, and nestled between the Intracoastal Waterway and The Atlantic Ocean. Toscana features fron 2000 to well over 5000 square feet in living space. Toscana also features Rotunda Reception Gallery Foyers, Luxury 2 and 3 Bedroom Units, Spacious Master Bedroom Suite, Stunning Living Room with Breathtaking Views. Custom Marble Bath, Luxurious Jacuzzi Tub, Custom raised Vanities with Mable top. 9' high Coffered Ceilings, Sold Core, Double-Door Entry. Separate Dining Room for Formal Entertainment. Spacious Terraces(s). Stunning Living Room. His and Hers Walk-in Closets. Premier location between Boca Raton and Highland Beach,Other features include, Manned 24 hr.gate and manned lobby. State of the Art Fitness Centers, Heated Resort-style Pools and Beach Front Mediterranean Style Clubhouse. Poolside Chaise Lounge and Towel service, Poolside Beverage Service, Beach side Beverage Service. Valet parking, Concierge,Assigned Covered Parking, Private High-Speed Elevators, Tennis Courts, Business center, Social Room with Bar and Serving Pantry.
For information on Toscana go to http://www.delraybeachprimeproperties.com/ search communities button
Scroll down to Highland Beach Toscana
Tuesday, July 21, 2009
Delray Beach Real Estate
Delray Beach Real Estate is active with many buyers coming here from all over the country.
I personally have 4 sets of clients from different parts of the North East. I am working with other buyers from right here is Florida.
Once a sleepy 4 month a year town now even in the middle of summer Delray Beach Real Estate is hot and going strong with activity 10 months a years.
New construction is active with new condo units and retail space nearing completion.
It will be very interesting to see the changes taking place in the next couple of years here
in Delray Beach. These changes rest assure will be to have a great town made even better.
Delray Beach is a great Baby Boomer town and these people love Urban Living with all
the activity on Atlantic Avenue and Pineapple Grove, Old School Square and the great beach.
For more information on Delray Beach Real Estate check out
http://www.delraybeachprimeproperties.com/
I personally have 4 sets of clients from different parts of the North East. I am working with other buyers from right here is Florida.
Once a sleepy 4 month a year town now even in the middle of summer Delray Beach Real Estate is hot and going strong with activity 10 months a years.
New construction is active with new condo units and retail space nearing completion.
It will be very interesting to see the changes taking place in the next couple of years here
in Delray Beach. These changes rest assure will be to have a great town made even better.
Delray Beach is a great Baby Boomer town and these people love Urban Living with all
the activity on Atlantic Avenue and Pineapple Grove, Old School Square and the great beach.
For more information on Delray Beach Real Estate check out
http://www.delraybeachprimeproperties.com/
Wednesday, July 1, 2009
Helping My Clients
For many years I was in the restaurant business. Started as a bartender then manager and I ended up owning my own restaurants and being the chef. Now I call myself a chef because I can create great tasting dishes. I take pride in my work. And there is nothing better when a customer finishes there dinner and tells his or her friends about the great meal they had and can't wait to come back.
For me the real estate business is the same. I take pride in helping my customers whether they are new customer or previous customers, my goal is to be able to answer all there questions or help them find the right new home. As a professsional real estate agent I always answer my phone. And if I am on the line with someone I get back to then asap. They should never have to wait for me to get back to them.
As everyone knows our business in a referal business. And I for one love referals. That means you did your job in helping your customers.
Whether the real estate market is great or slow we still take pride in what we do. Keeping positive and upbeat is the way we should all live our lives.
I wish everyone a very Happy 4th. of July. Let all of us celebrate our great country.
For information on Delray Beach Real Estate, Boca Raton and Highland Beach Florida Real Estate. Please visit my website. http://www.delraybeachprimeproperties.com/
For me the real estate business is the same. I take pride in helping my customers whether they are new customer or previous customers, my goal is to be able to answer all there questions or help them find the right new home. As a professsional real estate agent I always answer my phone. And if I am on the line with someone I get back to then asap. They should never have to wait for me to get back to them.
As everyone knows our business in a referal business. And I for one love referals. That means you did your job in helping your customers.
Whether the real estate market is great or slow we still take pride in what we do. Keeping positive and upbeat is the way we should all live our lives.
I wish everyone a very Happy 4th. of July. Let all of us celebrate our great country.
For information on Delray Beach Real Estate, Boca Raton and Highland Beach Florida Real Estate. Please visit my website. http://www.delraybeachprimeproperties.com/
Wednesday, May 27, 2009
Urban Living in Delray Beach
Delray Beach is hot with new condos under construction.
Worthing Place, 5th Avenue Delray Beach, The Seagate Residence, The Astor just to name a few.
Each has its own special Uniqueness.
Offering great amenities, pool and spas, fitness centers, private gardens, private elevators, secured covered parking and more.
Atlantic Avenue is the heart of Delray Beach, with the addition of many beautiful condo units everything is close at hand.
Worthing Place will have new retail shoppes on the ground floor as well as the new Seagate Resort and Hotel across the Intracoastal, Bringing more excitement to Atlantic Avenue.
South from Atlantic Avenue on A1A The Seagate Residence, Condo and Resort Area. With a beautiful beach club and restaurant.
Many Condos to choose from here in Delray Beach.
Come and have fun in the sun.
Boating, Swimming, Golf, Tennis whatever your looking for Delray Beach has it.
For more information on Delray Beach Real Estate
check out our website
http://www.delraybeachprimeproperties.com/
Worthing Place, 5th Avenue Delray Beach, The Seagate Residence, The Astor just to name a few.
Each has its own special Uniqueness.
Offering great amenities, pool and spas, fitness centers, private gardens, private elevators, secured covered parking and more.
Atlantic Avenue is the heart of Delray Beach, with the addition of many beautiful condo units everything is close at hand.
Worthing Place will have new retail shoppes on the ground floor as well as the new Seagate Resort and Hotel across the Intracoastal, Bringing more excitement to Atlantic Avenue.
South from Atlantic Avenue on A1A The Seagate Residence, Condo and Resort Area. With a beautiful beach club and restaurant.
Many Condos to choose from here in Delray Beach.
Come and have fun in the sun.
Boating, Swimming, Golf, Tennis whatever your looking for Delray Beach has it.
For more information on Delray Beach Real Estate
check out our website
http://www.delraybeachprimeproperties.com/
Sunday, May 10, 2009
Invest in Real Estate
As I have been saying, this is a buyers market.
I have seen an increase in sales in the last couple of months.
People are buying new homes.Investor are buying commercial
Real Estate. Real buyers. Not what
I call tire kickers. A tire kicker is someone who looks
and never buys. This is a term used in the car business.
If you want to invest, Real Estate is the place to go.
Everything runs in cycles and Real Estate is in that cycle.
Its at the bottom, and I can see it turning around. Slowly.
For a long term investment both commercial and residential
Real Estate in a good place to put your money.
Give me a call 561-445-4712
Delray Beach Real Estate
www.delraybeachprimeproperties.com
I have seen an increase in sales in the last couple of months.
People are buying new homes.Investor are buying commercial
Real Estate. Real buyers. Not what
I call tire kickers. A tire kicker is someone who looks
and never buys. This is a term used in the car business.
If you want to invest, Real Estate is the place to go.
Everything runs in cycles and Real Estate is in that cycle.
Its at the bottom, and I can see it turning around. Slowly.
For a long term investment both commercial and residential
Real Estate in a good place to put your money.
Give me a call 561-445-4712
Delray Beach Real Estate
www.delraybeachprimeproperties.com
Thursday, April 30, 2009
Foreclosures 101
More and more foreclosures are coming on the market everyday. And I am sure you have heard this a hundred times already.
Here are a few things you should know if you are considering buying a forclosured home.
Once a home has been forclosured already the bank will work with a real estate company and place it on the market for sale. Usually at the current market value. Not what is owed to the bank.
Banks although you can fool me, don't want to own homes. They are banks. Not landlords.
If you are looking at a preforeclosure that is listed for sale with a real estate company, you maybe able to work out a good price below what they are asking. This is where the Professional Experienced Realtor comes in. I will negotiate for you to get you the best possible price.
You can save a lot of money.
Keep in mind these properties are typically sold "as is". Its the responsibility of the buyer to do his or her due diligence and inspections.
When someone purchases a forclosure, you need to make sure that all liens attached to that property are satisfied.
Call or e-mail me for information on forclosures and preforclosures in the
Delray Beach Real Estate market.
Check out www.delraybeachprimeproperties.com
Here are a few things you should know if you are considering buying a forclosured home.
Once a home has been forclosured already the bank will work with a real estate company and place it on the market for sale. Usually at the current market value. Not what is owed to the bank.
Banks although you can fool me, don't want to own homes. They are banks. Not landlords.
If you are looking at a preforeclosure that is listed for sale with a real estate company, you maybe able to work out a good price below what they are asking. This is where the Professional Experienced Realtor comes in. I will negotiate for you to get you the best possible price.
You can save a lot of money.
Keep in mind these properties are typically sold "as is". Its the responsibility of the buyer to do his or her due diligence and inspections.
When someone purchases a forclosure, you need to make sure that all liens attached to that property are satisfied.
Call or e-mail me for information on forclosures and preforclosures in the
Delray Beach Real Estate market.
Check out www.delraybeachprimeproperties.com
Thursday, April 23, 2009
Trade-up and Save Money
Great time to buy real estate. Homes for Sale
Its time to take advantage of the record drop in real estate prices and historically
low interest rates.
You can move up to bigger and better homes.
Here is the bottom line and that is what you need to look at. If you own a home
you already know that your house value has gone down. "But wait" as the say in those tv commercials.
So has all those high priced homes. You may sell your current home at a discount, but you can trade up to a bigger and better home also selling at a great discount.
The bottom line in most cases is your going to have a better home than you now have
costing you less than you may think.
check out my website http://www.delraybeachprimeproperties.com/
Delray Beach Real Estate Boca Raton Highland Beach Boynton Beach Real Estate
Its time to take advantage of the record drop in real estate prices and historically
low interest rates.
You can move up to bigger and better homes.
Here is the bottom line and that is what you need to look at. If you own a home
you already know that your house value has gone down. "But wait" as the say in those tv commercials.
So has all those high priced homes. You may sell your current home at a discount, but you can trade up to a bigger and better home also selling at a great discount.
The bottom line in most cases is your going to have a better home than you now have
costing you less than you may think.
check out my website http://www.delraybeachprimeproperties.com/
Delray Beach Real Estate Boca Raton Highland Beach Boynton Beach Real Estate
Friday, April 3, 2009
$8,000 Tax credit for first time home buyers
As I have been saying Great time to buy a new home. Especially if you are a first time home buyer.
This dose not mean never owned a home. It means as long as it hasn't been in the last 3 years.
To quilify for the tax credit, you must buy a new home between January 1, 2009 and November 30, 2009.
You must live in the house for at least 3 years or you will be obligated to pay back the tax credit.
There will be no house flipping here.
There are income restrictions. To qualify, buyers must make less than $75,000 for singles and $150,000 for couples. (Higher-income buyers may receive a partial credit.)
Applying for this credit is easy. Just claim it on your income tax
Great time to buy. Great homes at low prices and save money too.
www.delraybeachprimeproperties.com
Delray Beach Real Estate
Delray Beach---Boca Raton---Highland Beach---Boynton Beach---Ocean Ridge
This dose not mean never owned a home. It means as long as it hasn't been in the last 3 years.
To quilify for the tax credit, you must buy a new home between January 1, 2009 and November 30, 2009.
You must live in the house for at least 3 years or you will be obligated to pay back the tax credit.
There will be no house flipping here.
There are income restrictions. To qualify, buyers must make less than $75,000 for singles and $150,000 for couples. (Higher-income buyers may receive a partial credit.)
Applying for this credit is easy. Just claim it on your income tax
Great time to buy. Great homes at low prices and save money too.
www.delraybeachprimeproperties.com
Delray Beach Real Estate
Delray Beach---Boca Raton---Highland Beach---Boynton Beach---Ocean Ridge
Monday, March 30, 2009
Reat Estate Auctions Good or Bad
After seeing several real estate auctions I have to say I don't like them.
If you have ever heard an auctioneer all you hear is x amount of dollars do I hear more.
If anyone out there can understand a word they are saying you are amazing. It is a lot of noise to me.
Buying a home through an auction you don't really know what your buying. You don't know the condition of the property you may want to buy. You don't get a chance to see the condition of the property before hand. Buyer beware. The only people that do well in an auction is the company running the auction.
There are so many homes at below market value that you can inspect
before hand, and get at a great price, why would you not take the time to go out and see and inspect all the homes you maybe interested in.
All the listings I do today is "Sold As Is Right To Inspect." This means you have the right to have this property inspected buy a licensed inspection company and if the inspection has major problems, you can get out of the deal. Or you an negotiate any cost that maybe involved.
My recommendation is to get a realtor to show you property.
Good house hunting. Delray Beach Real Estate
If I can help give me a call 561-445-4712
http://www.delraybeachprimeproperties.com/
Joe
If you have ever heard an auctioneer all you hear is x amount of dollars do I hear more.
If anyone out there can understand a word they are saying you are amazing. It is a lot of noise to me.
Buying a home through an auction you don't really know what your buying. You don't know the condition of the property you may want to buy. You don't get a chance to see the condition of the property before hand. Buyer beware. The only people that do well in an auction is the company running the auction.
There are so many homes at below market value that you can inspect
before hand, and get at a great price, why would you not take the time to go out and see and inspect all the homes you maybe interested in.
All the listings I do today is "Sold As Is Right To Inspect." This means you have the right to have this property inspected buy a licensed inspection company and if the inspection has major problems, you can get out of the deal. Or you an negotiate any cost that maybe involved.
My recommendation is to get a realtor to show you property.
Good house hunting. Delray Beach Real Estate
If I can help give me a call 561-445-4712
http://www.delraybeachprimeproperties.com/
Joe
Monday, March 23, 2009
News Flash********Homes Sales Up********
February existing home sales where up 5.1% .
According to National Realtors Association February existing home sales rose
5.1% .
50% of sales where from first time home buyers. They are taking
advantage of the $8,000, first time home buyer tax credit.
50% of home sales where from forclosure and short sales.
I know through every day conversation with people, I tell them I am in real estate
and the negative comes out of there month. The real estate market is so bad.
I will not buy into that negative thinking. I know better. They only know the
garbage they hear on the news. All those experts.
There are a ton of people out there in all parts of this great country we live in,
who are buying new homes, today, right now. I applaud these Americans for
taking that step into a better future for themselves and there families,
and buying there new homes and for some I am sure it could be their dream home.
Once again as I have been saying now is a great time to buy real estate.
Now is the time to buy Delray Beach Real Estate. It is a buyers market.
Great buys can be preforclosure and short sale homes.
If I can help anyone in the purchase of a new home, feel free to call me
or e-mail me anytime
http://www.delraybeachprimeproperties.com
According to National Realtors Association February existing home sales rose
5.1% .
50% of sales where from first time home buyers. They are taking
advantage of the $8,000, first time home buyer tax credit.
50% of home sales where from forclosure and short sales.
I know through every day conversation with people, I tell them I am in real estate
and the negative comes out of there month. The real estate market is so bad.
I will not buy into that negative thinking. I know better. They only know the
garbage they hear on the news. All those experts.
There are a ton of people out there in all parts of this great country we live in,
who are buying new homes, today, right now. I applaud these Americans for
taking that step into a better future for themselves and there families,
and buying there new homes and for some I am sure it could be their dream home.
Once again as I have been saying now is a great time to buy real estate.
Now is the time to buy Delray Beach Real Estate. It is a buyers market.
Great buys can be preforclosure and short sale homes.
If I can help anyone in the purchase of a new home, feel free to call me
or e-mail me anytime
http://www.delraybeachprimeproperties.com
Monday, March 16, 2009
Build Your Feature
If you are buying a new home at this point and time in your life, you can look at it
this way.
You are investing in your future. Home prices are low right now, mortgage rates
are low and as said before, its a buyers market and now is the best time to buy a new
home. Home prices and values will go up.
More than 80% of future home owners search the web first, even before they contact
a real estate agent.
Something I would recommend. Take your time and search the area you want to live
in. Look at homes in your price range. Number of bedrooms/ bathrooms you want. Check
out the neighborhood, schools. What is important to you. Ocean views, golf, boating,
life style.
Once you find what your are looking for and find a Real Estate Agent you are comfortable
with tell them what you have found and would like to see.
Limit yourself to a few homes, seeing 50 homes will only make you confused and the
process will take longer than it should. And it will take make it harder to make a dession.
I have recommended to some of my clients if they need a mortgage to use a bank.
Even though I am down on some of the banks, I feel they are the safest bet. Use a small
bank rather than a large bank who is having problems.
Stay away from adjustable rate, or option arm loans. The best loan is a fixed rate
mortgage. Negotiate with the lender, you may save yourself excessive closing cost.
Keep in mind you will probibly need 20% down and very good credit.
It is best get pre approved, get a letter from your bank.
Once you find the home of your dreams and close or in some parts of the country they
call it pass papers. Plan on making 1 extra payment a year on your mortgage.
So instead of paying 12 payments a year you are making 13 payments.
Example; First when making that extra payment, on the memo line put PRINCIPLE ONLY.
this way the bank will not think its just an extra payment. What is the reason for making this
extra payment you ask? On a 30 year mortgage you will save $$$ thousand of dollars over the
life of the loan and it will actually shorten the life of the loan by 6 to 8 years.
Remember this, Your home will raise in value but your mortgage rate will not.
So if your coming to South Florida or if you currently live in Florida and are looking for a new home, give me a call it will be my pleasure to help you find your dream home.
http://www.delraybeachprimeproperties.com
Delray Beach Real Estate
See you soon
Joe
this way.
You are investing in your future. Home prices are low right now, mortgage rates
are low and as said before, its a buyers market and now is the best time to buy a new
home. Home prices and values will go up.
More than 80% of future home owners search the web first, even before they contact
a real estate agent.
Something I would recommend. Take your time and search the area you want to live
in. Look at homes in your price range. Number of bedrooms/ bathrooms you want. Check
out the neighborhood, schools. What is important to you. Ocean views, golf, boating,
life style.
Once you find what your are looking for and find a Real Estate Agent you are comfortable
with tell them what you have found and would like to see.
Limit yourself to a few homes, seeing 50 homes will only make you confused and the
process will take longer than it should. And it will take make it harder to make a dession.
I have recommended to some of my clients if they need a mortgage to use a bank.
Even though I am down on some of the banks, I feel they are the safest bet. Use a small
bank rather than a large bank who is having problems.
Stay away from adjustable rate, or option arm loans. The best loan is a fixed rate
mortgage. Negotiate with the lender, you may save yourself excessive closing cost.
Keep in mind you will probibly need 20% down and very good credit.
It is best get pre approved, get a letter from your bank.
Once you find the home of your dreams and close or in some parts of the country they
call it pass papers. Plan on making 1 extra payment a year on your mortgage.
So instead of paying 12 payments a year you are making 13 payments.
Example; First when making that extra payment, on the memo line put PRINCIPLE ONLY.
this way the bank will not think its just an extra payment. What is the reason for making this
extra payment you ask? On a 30 year mortgage you will save $$$ thousand of dollars over the
life of the loan and it will actually shorten the life of the loan by 6 to 8 years.
Remember this, Your home will raise in value but your mortgage rate will not.
So if your coming to South Florida or if you currently live in Florida and are looking for a new home, give me a call it will be my pleasure to help you find your dream home.
http://www.delraybeachprimeproperties.com
Delray Beach Real Estate
See you soon
Joe
Sunday, March 15, 2009
Added thought
I don't want to minimize the fact Americans have lost there homes and jobs, and the fact
people can't find good work.
But know this fact, we are the United States of America. in spite of what the media and
some politicians say,
we are and will always be the strongest nation in the world. What is going on right
now in our country and make no mistake about this, we will survive and be better than ever.
We are the United States of America.
http://www.delraybeachprimeproperties.com/
Delray Beach Florida Real Estate Boca Raton and Highland Beach Real Estate
people can't find good work.
But know this fact, we are the United States of America. in spite of what the media and
some politicians say,
we are and will always be the strongest nation in the world. What is going on right
now in our country and make no mistake about this, we will survive and be better than ever.
We are the United States of America.
http://www.delraybeachprimeproperties.com/
Delray Beach Florida Real Estate Boca Raton and Highland Beach Real Estate
Delray Beach Real Estate
If you listen to all the bad news this beautiful country of ours is having, I am sure most
people are going crazy. Markets are down, unemployment is at 8%, and the real estate
market in so bad you will never own a home again.
I am here to tell you don't buy into all that junk. I could use other words but I will be nice.
I am here to tell you the real estate market in alive and well in Delray Beach and in other parts of the USA as well.
Many people are buying. Why you ask. I am going to tell you.
Home prices are down, way down. And this week mortgage rates where at a 5.2%
Now is the best time to buy a first or second home. Home prices have not been this
low in years. This is a real buyers market.
I know many people have lost there homes for different reasons. And here is where I get
into politics. Yes there where many investors that jumped on the real estate band wagon,
brought about by mortgage companies, banks and developers who bought up acres and acres of land, build towers of condos, and single family homes like there was no tomorrow. Raking in big profits while they kept raising prices with each new development. Then the bubble busted.
Something that the media kept hammering.
Home owners where talked into getting adjustable rate mortgages. Mortgages rates went up and homeowners now found out what an adjustable rate mortgage means. It gos up.
Honest people got screwed. I have heard people say even some congressmen, they should have read the loan papers. Trust me nobody dose. For the first time in many peoples lives they could buy a home. Why would you not want the American dream for themselves.
If they did read the loan papers, most people would not understand what they are reading.
And I personally feel these people, some of which have lost there homes
would still be in there homes if the rates did not go up. I don't believe for a minute when someone buys a new home there intention is not to pay there mortgage, as I heard a congressman recently say.
The bottom line is don't buy into the constant negative of the media.
It's a great time top buy your new dream home. The price is right.
So if you have any questions about Delray Beach Real Estate, Highland Beach, Boca Raton real estate
check out my website. http://www.delraybeachrealestate.com/
Delray Baech, Boca Raton and Highland Beach Rael Estats
And give me a call.
Until next time, have a great day
people are going crazy. Markets are down, unemployment is at 8%, and the real estate
market in so bad you will never own a home again.
I am here to tell you don't buy into all that junk. I could use other words but I will be nice.
I am here to tell you the real estate market in alive and well in Delray Beach and in other parts of the USA as well.
Many people are buying. Why you ask. I am going to tell you.
Home prices are down, way down. And this week mortgage rates where at a 5.2%
Now is the best time to buy a first or second home. Home prices have not been this
low in years. This is a real buyers market.
I know many people have lost there homes for different reasons. And here is where I get
into politics. Yes there where many investors that jumped on the real estate band wagon,
brought about by mortgage companies, banks and developers who bought up acres and acres of land, build towers of condos, and single family homes like there was no tomorrow. Raking in big profits while they kept raising prices with each new development. Then the bubble busted.
Something that the media kept hammering.
Home owners where talked into getting adjustable rate mortgages. Mortgages rates went up and homeowners now found out what an adjustable rate mortgage means. It gos up.
Honest people got screwed. I have heard people say even some congressmen, they should have read the loan papers. Trust me nobody dose. For the first time in many peoples lives they could buy a home. Why would you not want the American dream for themselves.
If they did read the loan papers, most people would not understand what they are reading.
And I personally feel these people, some of which have lost there homes
would still be in there homes if the rates did not go up. I don't believe for a minute when someone buys a new home there intention is not to pay there mortgage, as I heard a congressman recently say.
The bottom line is don't buy into the constant negative of the media.
It's a great time top buy your new dream home. The price is right.
So if you have any questions about Delray Beach Real Estate, Highland Beach, Boca Raton real estate
check out my website. http://www.delraybeachrealestate.com/
Delray Baech, Boca Raton and Highland Beach Rael Estats
And give me a call.
Until next time, have a great day
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