Friday, November 16, 2018

The Cost of Renting vs. Buying a Home

Some Highlights:

  • Historically, the choice between renting or buying a home has been a tough decision.
  • Looking at the percentage of income needed to rent a median-priced home today (28.4%) vs. the percentage needed to buy a median-priced home (17.5%), the choice becomes obvious.
  • Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year!
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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By: KCM Crew

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Friday, November 09, 2018

VA Home Loans by the Numbers

 

Some Highlights:

  • The Veterans Administration (VA) Home Loan is a benefit that is available to more than 22 million veterans & 2 million active duty service members which helps them achieve their dreams of homeownership.
  • In 2017, $189 billion was loaned to veterans and their families through the program.
  • VA Purchase Loans are on the rise in 46 out of 50 states and Washington, DC.
 
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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By: KCM Crew

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Friday, November 02, 2018

Pre-Approval

It is so beneficial that it is hard to imagine why buyers don't put this huge advantage on their side every time.


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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By: PatZaby

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Friday, October 26, 2018

Out of clutter, find simplicity



 
Out of clutter, find simplicity

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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Friday, October 19, 2018

Are Pet Owners More Likely to Rent or Own?

What does owning a pet say about you? Living with a furry (or scaly) friend could mean that you're a college student craving companionship, that your young children are in need of a four–legged playmate, or that you're an empty-nester with an affinity for fish. But what if owning a pet could predict if you're more likely to rent or own a home?
Researchers at the Urban Institute recently looked at the data from its 2017 American Housing Survey (AHS) in a way that shines  new light on America's love for animals. According to the Urban Institute, the 2017 survey asked if respondents "would need help with their pets in case of a disaster." In addition to affirmative and negative options, there was also the option to say the respondent did not own a pet (dog, cat, turtle, goldfish, etc.). This question was also asked in the 2013 AHS survey, allowing the researchers to dive into the data and uncover some trends.
What the Urban Institute found probably isn't too surprising. For instance, pet ownership in a household is at its highest when the head of the home is in their 40s; and married adults are more likely to own a pet (57%) compared to their single counterparts (43%).
It gets more interesting when you start comparing renters vs. homeowners. The researchers found that homeowners are more likely than renters to have pets... a lot more likely. Again, it may not be that surprising as many rentals have pet restrictions — but homeowners are a full 20% more likely to own pets than renters. (57% compared to 37%). That's a significant gap and likely not a coincidence.
And according to a Realtor.com report earlier this year, 80% of recent homebuyers owned pets, so expect those numbers to increase in the next AHS survey. Man's best friend? More like homeowner's best friend.
Teri Isner is the team leader of Orlando Avenue TopTeam 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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By: PatZaby.com

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Friday, October 12, 2018

Teal Pumpkin Project

It's about having an alternative for kids with food allergies. It's in all 50 states and even international now.


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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By: PatZaby.com

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Friday, October 05, 2018

What you do today...

It is not too early or too late to get started.
 
 
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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By: PatZaby.com

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Friday, September 28, 2018

30 years of certainty

Thirty years can sound like a lifetime when you're talking with your lender about getting a 30–year fixed–rate mortgage. There are so many uncertainties in life and who knows where you'll be in 30 years. Will you switch careers? Will you move cities? Will you have children?

It may be a long period of time with many unknowns, but a 30–year mortgage provides you with many certainties:
      • Lower monthly payments. Because your loan is stretched out over a 30–year term, you have more time to repay your loan, making your monthly payments more affordable and sustainable.
      • Inflation protection In 30 years, virtually everything around you will cost twice as much as it does today, assuming a 2% inflation rate. Yet, your monthly mortgage payment (minus taxes and insurance) and interest rate will remain the same as the day you locked in your loan — guaranteed. This provides your family with a level of security and predictability that's hard to find in today's world.
      • Flexibility. You can choose to pay–off your loan faster by adding to your monthly payments — without penalty in most cases.
      • Easier to Qualify. With the more affordable monthly payments that come with the longer term, you may qualify more easily than loans with smaller terms.
With all the benefits that come with a 30–year fixed–rate mortgage, there are important considerations to keep in mind.
      • You'll likely have a higher interest rate as the bank is taking a risk by locking you in at today's rates for three decades.
      • Because of the longer term and higher rate, it will take you longer to build up equity and you'll pay more in interest over the life of the loan.  
      • Your interest rate won't change if rates go down. Your rate is locked in and will remain the same for the duration of your term.
To ensure that you obtain the mortgage that's right for you, it's important that you talk with your lender. Also, be sure to visit My Home by Freddie Mac® to learn more about homeownership and the homebuying process, from A to Z.


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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By: PatZaby.com

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Monday, September 24, 2018

Finding and Fixing Possible Dangers at Home

Your home should be your haven.  Sometimes, though, things can happen, and it may not be quite as safe as you’d like.  Let’s look at some possible dangers in your home and find out how to fix them.
 

          - Unfortunately, fire is a very real danger.  Every day things like burning candles, cooking, and using appliances can cause fires.  One of the main appliances that starts fires is the dryer.  Keep your lint screen collector clean, even washing it in warm water and mild detergent every month, and use a lint collecting brush to clean down into the lint trap vent.  Once a year, unplug the dryer, remove the back and carefully vacuum any lint that has settled in the back around the motor and wiring. Smoke alarms and fire extinguishers are imperative to have. 
          - Check and maintain areas of your home that are possible fall risks.  Make certain handrails are secure, steps are free of debris, and that brick or concrete steps aren’t crumbling, and wooden steps are sturdy and free of rot.  Secure area rugs with non-skid tape and keep bathroom floors dry by using easily washed bath mats outside the tub when bathing. 
          - Older homes can have lead paint under layers of newer paint.  If you plan on removing paint from woodwork, and your home was built before 1978, purchase a lead-testing kit at your local home center or hardware store. In the case of a positive test, find a specialist that will remove the lead paint safely.  Find more information at epa.gov/lead or call 800-424-LEAD. 
          - Speaking of older homes, have an inspector look at the plumbing for lead or polybutylene (PB) pipes.  Lead is obviously not safe to use for drinking water, and polybutylene pipes can rupture. 
          - While not all molds are extremely dangerous, many people suffer from allergies to molds.  Most feared is black mold, though there are different types of black mold.  As soon as you see mold anywhere, clean it up using non-ammonia cleaner and water, or bleach on hard surfaces like your bathroom.  If the mold continues to grow, it would be best to call a pro who can look for the cause and make repairs. 
          - Asbestos is only a dangerous substance if it’s disturbed.  If you notice deterioration in an area that you know is made of asbestos, or you’re getting ready to remodel, seek a local professional that can safely remove the offending material. 
 
This isn’t a financial subject, but it’s best to have an emergency savings for things like this that can come up, and you won’t have to worry so much about paying for the repairs when it comes to that.  Correcting problems as soon as you find them is best for you and your family’s health and well-being.  Home safe home is a home sweet home.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue TopTeam 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!
 
Photo credit: nearsay.com

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Wednesday, September 19, 2018

Study Space Ideas

Homework can be a touchy subject with some parents and most kids, but it must be done, so it’s a good idea to have a designated area for your student at home.  These tips and ideas offer some inspiration for your family’s study spot: 
 
- Since our kitchen and dining rooms are used only at meal times, consider this area for school work, especially if you have more than one child in school.  The table is large enough for everyone to spread out books and binders, and there’s normally plenty of lighting.  Have a container for supplies for each child, and file folders to stay organized. 
 
- Do you have a home office?  Why not create an area for your children there?  Have different labeled baskets or plastic containers for each person’s supplies and add another desk or small table for extra surface space. 
 
- If you’re handy with tools, DIY your own “cloffice” --a space that is an office converted from a little-used closet.  Lowe’s has an easy-to-follow guide for this weekend project. 
 
- Most teens would like a study space to themselves, and there are many loft-style bed kits with study space below.  Beds sizes can be twin or full, and the bed frames have different extras, like shelving and drawers as well as a desk for a tucked-away space of their own. 
 
- Any unused space is perfect to place a tables and organizer items for a homework hub--that empty corner in the living room, or even attic space! This Old House shows us many different ideas to re-think the spaces we already have. 
 
- Just like an adult’s workspace, keep the study areas clutter-free.  Make sure the kids clean up when the homework is done, and have containers for supplies, and file folders for ongoing assignments or work that’s already graded. Keeping completed work filed away will come in handy when it’s time for any test prep. 
 
- If there simply isn’t a way to create a dedicated study space, consider using an organizing cart with a section for each child.  Make a homework station out of whatever spot they can take the cart! 
 
Keep in mind that a routine is key to getting homework done, getting ready for the next day, as well as reading and signing important papers from the school.  Homework may be a drag, but making it part of the weekday schedule with a place for working will take the sting out of the task.

Teri Isner is the team leader of Orlando Avenue TopTeam 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!
 
Photo credit: Cute & Co
 

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