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To Pay Or Not To Pay

July 30th, 2015 by tisner

As a follow-up to a recent blog post,Your Credit and Your Home Purchase, I want to share a tip from a credit restoration company I know…

“As Shakespeare almost put it, To Pay Or Not To Pay, that is the question:

debtWhen it comes to your credit scores, paying the right account or the wrong account can make a massive difference in your credit scores. Let’s focus on what not to pay. One would assume when paying off bad debts on your credit report, the credit scores would always increase. However “one” is not always correct. Paying off items like your utility collection, or your cell phone collection will most likely decrease your scores. This is despite the popular belief that having a $0 balance on your collection accounts must be better than owing money. Balances on collections are irrelevant, for example you could have a one million dollar medical collection or a one dollar medical collection and if everything else is the same the scores would also be the same. The reason why your scores generally decrease when a payment is made is because by making a payment you reactivate the account causing it to report as new again. This is shown as the ‘DLA’ on a credit report. This ‘DLA’ or ‘Date of Last Activity’ represents the weight of the account AND the seven year statute until the item will fall off naturally (which is a whole other problem, but we will save that for another day).

The reasoning behind this madness is that the algorithms that calculate scores cannot discriminate against wealthier/poorer individuals. So the fact that a wealthier person has the ability to pay off a certain dollar amount more easily than a poorer person would be discriminatory on algorithm calculation.”

Confused? Contact us and we’ll put you in touch with a reliable lender who can answer your questions.

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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Things To Do Orlando: Blue Man Group

July 26th, 2015 by tisner

Things To Do Orlando:  Blue Man GroupBlue Man Group

Experience the mystery, the humor, the euphoria and the indescribable celebration of art, technology and music that is Blue Man Group at Universal Orlando® Resort.

This event combines science and laughter, and makes for an explosive evening of entertainment. Lose yourself in the incredible performances, the astounding music, and the captivating stage show.

Enjoy FREE ADMISSION†† to select CityWalk® venues with your Blue Man Group ticket stub. Tickets for Blue Man Group can be purchased individually or packaged with your theme park admission.

WHEN: Saturday Aug 1, 2015 @ 6pm
WHERE:  Universal City Walk Orlando
COST:  $29 – $121.95

Visit the Event Website for more information.

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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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Your Credit and Your Home Purchase

July 22nd, 2015 by tisner

When buying a home it is prudent to know about your credit score. According to a recent survey by Experian, many of those in the market for a home are already aware of the importance of their credit score. However, only half of recent buyers said they checked their credit when they first considered purchasing a home.

  1. 67% of buyers are NOT pre-approved
  2. 45% of buyers delay their purchase (ultimately) to improve their credit

That is almost HALF of buyers who delay the purchase based on information they should have known prior to shopping for a home.

This survey underscores how important the pre-approval loan process is. Even if just to give buyersan idea of what their credit report contains, what their rate and payment would be and how much they can qualify to buy. Too often, there are situations where people cannot qualify once under contract and it would have been quickly uncovered during a pre-approval.  This represents wasted time for the realtor, buyer, seller and all involved.

Lesson learned? Pay attention to your credit year-round, and understand that what you do today impacts how your credit works for you in critical purchase moments like home buying.

Information provided by Orlando Realtor Teri Isner.

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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Things To Do Orlando: Idina Menzel on Tour

July 20th, 2015 by tisner

Idina Menzel on TourThings To Do Orlando:  Idina Menzel on Tour

Delight your ears with the voice of Idina Menzel on Tour!

Tony-Award Winning Broadway powerhouse Idina Menzel has a diverse career on the stage, in film and television, and in music.

Superstar Idina Menzel’s tour comes hot on the heels of a remarkable year that included performing the smash hit “Let It Go” from Disney’s Frozen at the 86th annual Academy Awards, a triumphant return to Broadway in the musical If/Then, a Best Actress Tony Award nomination and the release of this season’s must-have Christmas album Holiday Wishes.

Called “the Streisand of her generation” by The Denver Post, Menzel has captivated audiences at sold-out concerts around the world. Throughout the tour, Menzel will lead audiences through a special journey of classic pop, musical theater favorites and her own personal catalogue. The shows are set to weave together Menzel’s irresistible charm, wit and unparalleled vocal prowess.

WHEN:  WHERE:  The Dr. Phillips Center for the Performing Arts
COST:  Tickets starting at $55

Visit the Event Website for more information and to Purchase Tickets

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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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Windermere Florida Real Estate Market Statistics – July 2015

July 17th, 2015 by tisner
Welcome to your up-to-the-minute July 2015 edition of Market Snapshot for Windermere, Florida compliments of Teri Isner. This report is personalized with charts including market activity for homes in the 34786 zip code.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Kissimmee Florida Real Estate Market Statistics – July 2015

July 17th, 2015 by tisner
Welcome to your up-to-the-minute July 2015 edition of Market Snapshot for Kissimmee, Florida compliments of Teri Isner. This report is personalized with charts including market activity for homes in the 34741 zip code.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Celebration Florida Real Estate Market Statistics – July 2015

July 17th, 2015 by tisner
Welcome to your up-to-the-minute July 2015 edition of market snapshot for Celebration, Florida compliments of Teri Isner. This report is personalized with charts including market activity for single family homes in the 34747 zip code.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Things To Do Orlando: Ladies of Eola Heights

July 13th, 2015 by tisner

Ladies of Eola HeightsThings To Do Orlando:  Ladies of Eola Heights

Enjoy a fun outing this weekend & attend Ladies of Eola Heights!

The popular cast of Wanzie’s LADIES OF EOLA HEIGHTS, presented at The Abbey in the Summer of 2014, returns with COURT ORDERED THERAPY: The Ladies Of Eola Heights Continued. Original cast members Peg (Opal) O’Keef, Beth (Pearl) Marshall, Sam (June) Singhaus, and Blue (Ruby) Star will be joined by Kevin Kelly playing Dr. Robert Burroughs, who is charged with determining the mental stability of Orlando’s infamous Locksdale sisters following a domestic squabble that leaves Ruby with a broken wrist, and Pearl and Opal at complete odds with one another. The action takes place during the court ordered therapy sessions in which the sisters, who are at first uncommunicative, wind up hurling accusations and barbs at one another to hilarious and surprising ends.

WHEN:  Friday Jul 17, 2015 @ 8pm
WHERE:  The Abbey
COST:  $20 – $35

Visit the Event Website for more information & to Purchase Tickets.

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

 

Buying a Home With an Unmarried Partner

July 10th, 2015 by tisner

Are you an unmarried couple hoping to buy a home together? In today’s culture, more unmarried couples are purchasing their first homes together. Mark Sheets, real estate author and blogger, offers some good advice about potential pitfalls to research before you buy.

buying homeFinancially, ownership of your home can be very advantageous. However, it can be more difficult to end a co-ownership than it is to get a divorce. So, you need to prepare in advance. You want to make sure the process gives both of you the outcome that you expect.

When making the decision to purchase a home with your significant other, you and partner must know that a property agreement is a legal contract. One of the more important aspects of purchasing a home together is determining how the investment will be split. In many cases, one partner may initially invest more money into the home than the other.  Unequal ownership can be handled, but it has its own set of problems.

Another issue to confront in the process is filing for a Joint Tenancy With Rights of Survivorship (JTWROS).  A JTWROS allows for the home and assets to be passed to the surviving partner if the other were to pass away. This lets the partner avoid inheritance taxes, as the home won’t go through an estate.  Married couples are automatically granted JTWROS whereas unmarried couples are not.

If the relationship were to end, a dividing of the assets needs to take place.  Although everyone in a relationship hopes for the best, preparing for the worst-case scenario will alleviate a lot of pain in the future. The goal is to anticipate different scenarios under which you may want to dissolve the co-ownership.

When the time comes to apply for a mortgage, the lender needs to run both of your credit scores.  This can backfire if one of you has a great credit score and one has a not-so-good score.  If this is the case, then you may not get the loan. Investigate ahead of time to know where you stand. You will also want to check your individual state’s laws regarding an unmarried couple purchasing a home together, as some states don’t allow it.

An option to co-ownership might be for you to form a business partnership or a limited liability company to own the property. They are both legal business entities that can take on many forms. The business would then own the property and collect rent from the individuals living in the home. This eliminates any issues with state laws that prohibit co-ownership of unmarried couples. It potentially also makes transfer of ownership easier at a later date.

In any case, you must first consult a real estate attorney in your state to determine the pros and cons and to determine the best legal form of ownership to accomplish your goals.

Information provided by Orlando Realtor Teri Isner.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

Things To Do Orlando: SeaWorld Orlando Summer Nights

July 6th, 2015 by tisner

SeaWorld Orlando Summer NightsThings To Do Orlando:  SeaWorld Orlando Summer Nights

Visiting Orlando?  Check out SeaWorld Orlando Summer Nights!

This summer SeaWorld will be hosting Summer Nights, a nighttime spectacular that features incredible shows, a new attraction – Antartica: Empire of the Penguin – thrilling coasters under the stars, a celebration of dancing fountains and spectacular fireworks, and a nightly Shamu show that ends with a bang. Guests can enjoy extended park hours until 10:00 p.m.

WHEN:  Saturday, July 11, 2015
WHERE: SeaWorld® Orlando
COST: Included in the regular price of admission.

Visit the Event Website for more details.

Information courtesy of Orlando Real Estate Expert Teri Isner and the Orlando Avenue Top Team.

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.

Get Orlando Daily News delivered to your inbox! Subscribe here!

 

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