FIRST-CLASS REAL ESTATE BROKERAGE & RELOCATION! Member of Luxury Society - Global

Contact us for on/off market Properties: Luxury/Investments/Foreclosures...


PRE-QUALIFY YOURSELF FOR A LOAN

INCREDIBLE LOAN PROGRAMS FOR FIRST-TIME HOME BUYERS - Pick the Program that best

suits your Real Estate Purchase Needs

3% down payment Conventional is Back! RESIDENTIAL PURCHASE  

Credit Score starting at 620

Credit Score starting at 680

97% LTV FTHBs | 620 FICO's | FNMA      

100% gift funds for conventional SFR - FNMA Only

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FHA  - 550 FICO / VA 580 FICO’s

No donor bank statement required for gifts (wired to escrow)

   
Transferred appraisals OK      
Your Mortgage Broker has Direct access to underwriting    
Real time Scenario Desk      
1 year tax returns for S/E borrowers      
W2 verification OK      
No minimum trade line requirement for FHA      
Manual underwrites on FHA / VA      
       

 
     
 
     
     
       
 

 

 

 

 

 

 

 


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Contacts - Esther M. Forget, Licensed Real Estate & Mortgage Broker


English, français, español, italiano, kréyòl, português 561-702-7633

English, Svenska, Deutsch, Danske 754-484-7456


CELEBRATING 26 YEARS AS REAL ESTATE BROKER and 16 YEARS AS MORTGAGE BROKER


TO RENT, BUY OR SELL CALL 754-484-7456 OR 561-702-7633

ORDER Your DESERVED RENTAL by clicking Order your Rental Here form on the left

ORDER Your DESERVED HOME by clicking Order Your Home Here form on the left

ORDER Your DESERVED LOAN by clicking Order Your Loan Here form on the left

 

5 REASONS TO BUY A HOME NOW

Based on prices, mortgage rates and soaring rents, there may have never been a better time in real estate history to purchase a home than right now. Here are five major reasons purchasers should consider buying:

 

Supply Is Shrinking

 

With inventory declining in many regions, finding a home of your dreams may become more difficult going forward. There are buyers in more and more markets surprised that there is no longer a large assortment of houses to choose from. The best homes in the best locations sell first. Don’t miss the opportunity to get that ‘once-in-a-lifetime’ buy.

 

Price Increases Are on the Horizon

 

Prices are projected to appreciate by over 25% from now to 2018. First home buyers will probably pay more both in price and interest rate if they wait until the spring. Even if you are a move-up buyer, it will wind-up costing you more in net dollars as the home you will buy will appreciate at approximately the same rate as the house you are in now.

 

Owning a Home Helps Create Family Wealth

 

Whether you are renting or you own the home you are leaving in, you are paying a mortgage. Either you are paying your mortgage or your landlord’s. The Fed, in a recent study, revealed that the net worth of the average homeowner is 30 times greater than that of a renter.

 

Interest Rates Are Projected to Rise

 

The Mortgage Bankers Association, the National Association of Realtors, Freddie Mac and Fannie Mae have all projected that the 30-year mortgage interest rate will be over 5% by the end of 2014. That is an increase of almost one full point over current rates.

 

Buy Low, Sell High

 

We would all agree that, when investing, we want to buy at the lowest price possible and hope to sell at the highest price. Housing can create family wealth as long as we follow this simple principle. Today, real estate is selling ‘low’ compared to where it will be next year. It’s time to buy.

 

To view homes available in an area of your choice and your price range, or to work with Lenders accepting 580 credit scores, go to: search.dreamhomesforyou.sef.mlxchange.com, browse this website and/or visit http://www.homeforyourlifestyle.com or call 561-702-7633

To view the original article, click here: http://www.keepingcurrentmatters.com/2013/11/25/5-reasons-to-buy-a-home-now-instead-of-spring/

 

 

 


RENTING is NOW TWICE as EXPENSIVE as BUYING HOMES in the US


RENTING VS. BUYING

Renting is now twice as expensive as buying in the USAs rents all over the US continue to soar upwards, online real estate database Zillow has recently found out that renting a home is now twice as expensive as buying one.

According to their recent affordability report, in the third quarter of 2014, renters in the US were spending an average of 30 per cent of their monthly incomes on rent, while homeowners were spending just 15 per cent of their monthly incomes on their mortgage payment.

These findings shed light on a major shift that has occurred in the US housing market over the past few years. In the years before the real estate bubble, between 1985 and 2000, rent was usually more affordable compared to buying houses, in most US cities. Now, in most American metros, if you can just come up with a down payment, you are much better off buying your own house than renting.

Even in the cities which have always been famous for high rents — the likes of Boston, San Francisco, Los Angeles, Seattle and New York — renting was more affordable than buying before the US real estate market crashed in 2008. However, since then, rents have been on a steady upward trend across the country while the cost of buying a home has been falling in many parts of the country, to a point where renting is now the less affordable option — sometimes by a huge difference.

This trend of renting being half as affordable as buying a home is one of the reasons why many housing marketing experts believe 2015 will be the year that most Millennials finally break through and enter the real estate market to buy their first home. It is predicted that the persistently high rents will push many of these young potential buyers into homeownership as it continues to make less financial sense to continue renting if they can put together a down payment.

However, it won't be easy for everyone - some renters, especially the younger ones, are spending so much of their monthly incomes on rent that they will struggle to put away any savings for a down payment, even if they want to take advantage of the current affordability of buying a home.

 


COMING SOON


In addition to the High quality services we provide, we will give you one or all of the following gifts, if you close any transaction with us, including listing of your house with us by October 31, 2013.

1)  3 days & 2 nights in your choice of cities: U.S, including Las Vegas and Mexico

2)  $1,000 Certificate of Restaurant Savings

3)  Another Surprise!

Rent vs Buy

Shocking reality comparisons coming soon. Unbelievable... ...


 
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