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Thanksgiving Is a Time To Give Back

November 25th, 2014 by tisner

It’s time to gather around with friends and family to give thanks for all that has happened to us throughout the year and time to share in a feast fit for kings. If you want more out of your Thanksgiving this year, you might want to “give back” vegetablesin one way or another. There are many ways that you can “give back” this Thanksgiving and I have listed a few of those for you below.

  • Shop for your Thanksgiving feast at your local farmers market. By shopping at your local farmers market you are helping to support local businesses and in turn that helps your local economy.
  • Use organic foods for your Thanksgiving meal. By choosing to use organic you are not only helping your family to be as healthy as they can be, you are also helping organic farmers as well.
  • Help out at a local food bank or soup kitchen a few hours on Thanksgiving Day. If you have children this is a great way to show your children how to help others who are less fortunate than they are.

There are many other ways you can give back this holiday season and a few more ideas can be found here.

Don’t forget that not everyone has as much as you do and that the holiday season is one of the best times of the year to help make a difference in someone else’s life.  You may be tempted to forget about others and only think of yourself and your family during these busy holiday times but set aside a few hours each week for you and your family to help out those less fortunate and I promise that your holidays will be the best ever.  A few ways you can do this are as follows.

  • Offer to buy your elderly neighbors Thanksgiving meal for him or her. You can also offer to cook their meal to help make the big day less stressful for them.
  • If you know that your elderly neighbor no longer has living family to spend the holidays with, invite them over to share in your families Thanksgiving feast.

Trust me when I say that your Thanksgiving holiday will be the best you ever had if you are only willing to open up your heart and home to others who don’t have as much to be thankful for this year. Perhaps you know of someone who has lost a loved one this past year that you can minister to in the ways mentioned above. If you don’t have a clue where to start in your venture of giving back this season, you can start at your local church or other organizations by asking where you can best be used.

Happy Thanksgiving!

Should I Go It Alone?

November 21st, 2014 by tisner

There are two typical questions raised all the time about real estate…

Sellers: “Shouldn’t I first start with trying to save some money by selling on my own as a “For Sale By Owner?”

Buyers: “Shouldn’t I just look around on my own and work with the listing agents when I find something I like?”

handshakeBoth of those scenarios have hidden problems. The field of real estate is loaded with land mines. Real estate professionals “know the ropes” so you don’t need to. Here are some thoughts for you to consider!

  • Sellers need true expert guidance navigating the dangerous pitfalls that currently exist. Finding a buyer ready, willing and able to pay fair market value at a time when lending standards are so stringent is not an easy task.
  • Buyers are finding reasonable financing is not easy to come by. It can be very tricky when interest rates are volatilelike they have been over the last several months. And underwriting standards are tight, meaning that you need special guidance getting pre-approved and assuring that your credit is clear.
  • Both buyers and sellers need to be hiring a talented negotiator who could save you thousands, perhaps tens of thousands of dollars. Each step of the way – from the original offer, to the possible re-negotiation of that offer after a home inspection, to the possible cancellation of the deal based on atroubled appraisal – you need someone who can keep the deal together until it closes.
  • Sellers should also realize that when an agent is negotiating their commission with you, they are negotiating their own salary; the salary that keeps a roof over their family’s head; the salary that puts food on their family’s table. If they are quick to take less when negotiating forthemselves and their families, what makes you think they will not act the same way when negotiating for you and your family?
  • Buyers should consider working with a buyer’s agent from the start. That should be someone who really tunes into your needs and wants. That’s so they can really pinpoint the search for the right property for you. They can save you hours of spinning your wheels and they are ultimately compensated by the seller at the closing table.

Both buyers and sellers should take to heart that old saying “You get what you pay for.” Just like a good accountant or a good attorney, real estate professionals will save you money when all is said and done.

Information courtesy of 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: Holiday Guide 2014

November 19th, 2014 by tisner

Who has time to figure out what is happening in Orlando during the holidays? Not to worry! OrlandoWeekly.com has compiled an Orlando Holiday Guide 2014. Grab a cup of coffee and your calendar and start planning!

orlando holiday guide 2014
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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Consider an Adjustable Rate

November 17th, 2014 by tisner

adjustable rateWith fixed rate mortgages as low as they are, most purchasers or owners wanting to refinance might not even consider an adjustable rate loan. The determining factor should be how long the person plans to be in the home and which mortgage will provide the cheapest cost of housing.

For instance, if you compare a $300,000, 30 year term mortgage with a 4.125% rate on the fixed and a 3.25% on the 5/1 adjustable, the breakeven point would be almost seven years assuming the rates adjusted the maximum that they could in each year.

Therefore, if a person is going to stay in the house less than 7 years, the ARM would provide the cheapest cost of housing.  This example shows that at the end of five years, the ARM would generate almost $13,000 savings over the fixed-rate.

On the other hand, this could be a good time for homeowners with an existing adjustable rate mortgage to consider refinancing into a fixed-rate mortgage.  The longer that they intend to stay in their home, the more advantageous it might be for them to convert their mortgage to lock-in their payment and fix their housing costs.

adjustable rate comparison

A trusted mortgage professional can analyze the alternatives to provide you with the information necessary to make a good decision.  You can try the Adjustable Rate Comparison with your own numbers to see the effect.

Information provided by Orlando Real Estate Expert 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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Do I Have Enough Homeowners Insurance To Cover a Natural Disaster?

November 13th, 2014 by tisner

As we watch with horror the impact natural disasters have on those affected, it is only natural that we ask ourselves,” Would I be able to sustain such losses? Would my homeowners insurance policy cover the costs of rebuilding?

homeowners insuranceThe National Association of Insurance Commissioners (NAIC)) recommends that you use your annual renewal notice or any improvements to your home as a reminder to touch base with your agent or insurer to recheck how much insurance you really need. Do you have sufficient coverage for rebuilding and replacement? Amy Bach, executive director of United Policyholders, a consumer advocacy group, urges homeowners not to blindly trust that their home insurer has all the bases covered.

With fluctuations in the real estate market, coverage equal to the current replacement cost (excluding land), is advisable. The first step in getting adequate coverage is to establish your policy’s dwelling limit. Your target number is the full-replacement cost of your home and its possessions. The dwelling limit bears no relation to your property’s market value, its appraised value, or its assessed tax value. And don’t mistake the cost of new construction for the cost to rebuild, which is more expensive because of factors such as debris removal and higher demand for materials and labor after a catastrophe,

(You can get a pretty good idea of what it would cost to rebuild your home by using an online calculator, available at sites such as HMFacts.com ($7) and AccuCoverage.com ($8).

It’s a good idea to purchase guaranteed replacement coverage, meaning the insurer will pay whatever it costs to rebuild your home with materials of like kind and quality, without deducting for wear and tear. Avoid actual cash value coverage, which pays only the depreciated value of your home.

Check also on your need for flood insurance, even if you don’t live near a body of water, since policies vary in their coverage of many types of water damage.

And lastly, it goes without saying that you need to update the inventory of your possessions at least annually since it is not only a record of the contents of your house and their value, but also a good indicator of whether you have enough coverage.

Information courtesy of Orlando Real Estate Expert 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: 28th Annual Festival Of Trees

November 11th, 2014 by tisner

festival of treesThe Orlando Museum of Art will be filled with traditional holiday elegance that will be sure to enchant guests of all ages. The Festival of Trees which runs from November 15th through the 23rd will showcase awe-inspiring displays of designer decorated trees, wreaths, gingerbread creations and stunning holiday vignettes which are all available for purchase. Visitors will enjoy the gift boutique, the Toyland Town activity area, Gingerbread Village, and a Festival Café, complete with live daily entertainment and much more!

The entire family will enjoy the sites and sounds of this very popular Central Florida tradition benefiting the Orlando Museum of Art to further the cultural development and appreciation of the visual arts and children’s art education programs.

Information provided by Orlando Real Estate Expert 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!

First-Time Homebuyer Alert: Don’t Make These 4 Mistakes

November 7th, 2014 by tisner

First-time homebuyers owe it to themselves to do a lot of research about the finances of buying a home. Here are four first-time homebuyer mistakes to avoid.

1. home buyerSpending the maximum amount on a mortgage a lender will loan.

Lenders often qualify buyers based on incomes and debt-to-income ratios without considering how much the borrowers spend on other budget items.

Financial experts recommend that consumers decide how much they want to spend each month on housing before meeting with a lender. It’s up to you to know your budget and to not just jump at a mortgage amount that a lender says you can afford.

2, Not getting pre-qualified.

This should be the first step toward homeownership. Many first-time homebuyers wait until they are ready to start house hunting before contacting a lender.

Buyers need to get pre-qualified early enough in the process so that they can make changes if they need to or correct errors on their credit report. Some first-time buyers may need to spend up to a year saving more money, increasing their incomes or cleaning up their credit before making an offer on a home.

3. Underestimating the importance your credit score.

While most consumers know it’s important to have a high credit score, not everyone understands how costly a low score can be. Mortgage lending is done with a tier of interest rates and terms based on consumer credit scores. Learn about credit scores the minute you start working. Many websites provide information about how to improve your credit score.

And remember, even after a mortgage approval, you must avoid applying for new credit or taking on new debt, because a second credit check is now often required before settlement.

4. Choosing the wrong mortgage product

Many first-time homebuyers opt for a 30-year fixed-rate mortgage only because it is an industry standard. Alternatives to a 30-year-fixed sometimes make more sense. For example, buyers certain they will be relocated by their companies within five years may find a 5/1 ARM could be a much better mortgage.

Homebuyers eager to build equity in their homes or who are older and want to live mortgage-free in retirement should consider a 15-year fixed-rate loan or even a 10-year mortgage to reach their goals.

Do your homework and don’t jump at a mortgage because it will buy you a bigger home.

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: 2014 Veterans Day Parade

November 5th, 2014 by tisner

Join Orlando Mayor Buddy Dyer and his Veterans Advisory Council in honoring the men and women who served our country during the City of Orlando’s 2014 Veterans Day Parade Saturday, November 8 at 11 a.m. in Downtown Orlando. Bring family and friends and thank the brave heroes from veterans and active duty organizations and enjoy marching bands, military vehicles, floats and more!

The 2014 parade will recognize the patriotism of the American Gold Star Mothers, an organization whose members have lost a son or daughter in the service of our country.

Take a look at last year’s fun…

Information courtesy of Orlando real estate expert 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!

Orlando FL Foreclosure Trends for Sept 2014

October 31st, 2014 by tisner

In September, the number of properties that received a foreclosure filing in Orlando, FL was 10% lower than the previous month and 63% higher than the same time last year, according to RealtyTrac.com.

Orlando Foreclosure Geographical Comparison

Orlando foreclosures were 0.26% above national statistics, 0.11% above state figures, and the same as Orange County numbers in September 2014.

orladno fl foreclosure

Orlando Foreclosure Status Distribution

The current distribution of foreclosures based on the number of active foreclosure homes in Orlando, FL.

Pre-foreclosures accounted for 18.3% of the foreclosure activity in September,  Auctions were 53.0%, and Bank-owned properties were 28.7%.

orlando fl foreclosure

Orlando FL Foreclosure Activity by Month

In September, the number of bank-owned properties decreased 29.0% from the previous month and increased 78.4% from the previous year. The number of auctions increased 14.7% from the previous month and rose 552.4% from the previous year. Pre-foreclosure activity decreased 24.9% from the previous month and 50.6% from the previous year.

orlando fl foreclosure

Access Teri’s one-stop Orlando FL home shopping 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: Fiesta In The Park

October 30th, 2014 by tisner

fiesta in the parkAre you looking to spice up your weekend and get some edible variety in your life? The 44th Annual Fall Fiesta in the Park is the place to be this November 1st and 2nd for all of your tasty pleasures! Alongside hundreds of original artist and craft vendors, foodie booths and trucks play a big part in the event, and come in all different ethnicities and unique options. Specialties range from smoked BBQ, to festival fare, to old fashioned American cuisine to Thai food and everything in between. In previous years vendors have specialized in gourmet coffee, one-of-a-kind hot sauces, homemade fruit jams, seasoned pickles and more to give you an idea of the wealth of options you have to choose from. Some even offer free samples. Put it on your calendar now to attend this year’s 44th Annual Fall Fiesta in the Park, November 1st and 2nd at Lake Eola Park!

Information courtesy of Orlando Realtor Teri Isner, 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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