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Indecision is Not a Decision

October 20th, 2017 by tisner

There could be some legitimate reasons for not buying a home but indecision is not one of them. Indecision is rooted in not having enough information to move forward to own a home or continue renting.18443593-250.jpg

If you keep renting, at the end of the year, you have had a place to live and a pile of receipts that helped the landlord pay for his house. Deciding to buy a home will give you a place to live that is yours and all the things that come with that.

When you consider principal reduction, appreciation and tax savings, your monthly cost of housing could be much less than the rent you’re paying. The principal reduction included in each payment is like a forced savings account that increases as your mortgage balance decreases. Your equity in the property will also grow due to appreciation as the home goes up in value. The equity is part of your net worth and an investment in your family’s future.

The income tax savings can be an additional financial consideration if the combined interest and property taxes are greater than the allowable standard deduction.

Trends are showing that both tenants and homeowners are staying in their homes longer. It’s been said that whether you rent or own, you’re paying for the home. Do you really want to buy the home for your landlord? Check out your numbers on a Rent vs. Own and then, call us to help make it happen.

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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Sprucing Up with Paint!

October 18th, 2017 by tisner

If finances are tight, but you’re ready to give your home a new look, paint is the budget-friendly way to go.  Making it a DIY project is even more cost-effective, and with so many options and ways to add color to your walls, you need some guidance so it will look like it was done by a pro. 

Which Paint and What Finish? 

  • Latex paint is best for walls, and oil paint is perfect for wood trim, because it seals stains.  Oil paint takes longer to dry, and has a strong odor, but if you add a tablespoon of vanilla extract per gallon, and open the windows, it helps keep the odor in check.  
  • Flat paint goes on easily, but doesn’t clean easily; glossy paint is great for cleaning, and comes in semi-gloss, and satin, but doesn’t cover wall imperfections. For a nice compromise, an eggshell finish is somewhat flat, but easy to clean. 

Choose Your Color 

  • Choose a color for the room/s you’re updating, and don’t be afraid of using a bold color.  This adds character and some wow factor to your home. Neutrals are great for quick-change decorating, or if you’re thinking of selling soon. 
  • Using pint-can paint samples, apply a 2×2 foot area of each color on the wall you’re planning to paint, allow to dry for 24 hours, and look at them at different times of the day.  You’ll get a more accurate feel for the color in the different lights, and whether you can live with it or not. 
  • Don’t forget the ceiling! You can change the feel of the room’s height by going a shade darker (for a lower ceiling feel), or go a shade lighter or use a lighter color to give the illusion of a higher ceiling. 

Painting Prep 

  • Measure your room for square footage, and make sure you buy enough paint–about one gallon per 400 square feet. 
  • Purchase good painter’s tape, drop cloths, putty, a good putty knife, caulking, and any tools you may need for removing hardware from any doors or walls. 
  • Protect light fixtures, trim, or wall sconces with painter’s tape.  Move furniture and put down drop cloths. Use wall putty or caulking to fill and smooth any holes or other wall damage. 
  • Clean, sand, and dust walls, using a vacuum to make sure all of the dust is off the walls. 
  • Priming the walls is really important if you’re covering a dark color, if there are stains on the walls, or if you’re painting paneling or new sheetrock. Tint the primer with a little of your new wall color before applying. 

Start Painting 

  • Paint mixing isn’t 100% perfect. Professionals mix all of the gallon cans together in a five-gallon bucket for color uniformity.   
  • Paint in corners and close to the ceiling with a good brush before you paint the walls, working your way down to catch drips. This process is called “cutting in.” 
  • Working in an overlapping W-pattern, apply paint until you need to reload the roller.  If you notice paint drying quickly, work in 3-4 foot sections of wall, but a whole wall can be accomplished in the case of a slower drying process. 
  • Smoothing the paint is important and is done by using what paint is left on the roller to paint as close to the ceiling and corners as possible, where you’ve already cut in. This gives a smooth appearance to the finish. 
  • Clean your equipment as soon as painting is done:  latex paint can be washed off with dish detergent and warm water, but oil paint should be cleaned off with paint thinner.  
  • Once the paint is dry, after about 24 hours, move your furniture back in, but hold off hanging anything on the walls for a few days, and don’t wash them until the paint has cured, usually two weeks to thirty days. 

A newly painted room can make your home feel fresh, and make it look as if you’ve redecorated.  If you’re feeling really adventurous, try painting a pattern on your wall.  It may take more time, but the dramatic effect it makes in the room makes the wall a focal point in itself. diy Network has some great tips for a patterned accent wall: http://www.diynetwork.com/how-to/skills-and-know-how/painting/how-to-paint-stripes-chevrons-blocks-and-more 

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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Preventing Pests

October 16th, 2017 by tisner

We normally associate pests and insects with Summer time, but now is a good time to think about what you can do to prevent creepy crawlers coming in to your home. It’s a simple matter of checking the outside as well as the inside, and staying ahead of them. 

Exterior 

  • When you mulch plants, keep it from piling up against the house’s foundation. Insects can use the mulch for overwintering, but if you could add a border of rock or stone between the mulch and the house, or even use cedar mulch, it would discourage pests. 
  • Inspect your foundation carefully for cracks or holes, as well as places where utility pipes and wires enter your home.  Cover or fill them with wire screen mesh, cement, or metal flashing. 
  • Outside lights, when left on, draw flying insects, but if you can change the bulbs from incandescent to halogen, they are less attracted to the glow.  
  • Check doors and windows for openings, and seal them with caulking or weatherstripping, and repair any holes in your screens. 
  • Keep trash cans and surrounding areas clean, and make sure lids fit tight. Recyclables should be rinsed well, and container lids put back on before tossing them in the recycle bin. 
  • If you have anything that can retain water, empty it as often as possible, and use a larvicide in your landscape’s water features.   
  • If you use firewood, store it away from your home, at least thirty feet. 
  • Gutters should be cleaned periodically, not only for their efficiency, but to help keep pests from making a home in the debris. 

Interior 

  • The most important pest prevention tip for the inside of your home is cleanliness.  Keep crumbs off the counters and floors, clean food messes immediately, and keep food consumption limited to the kitchen. Wash up dishes before going to bed at night.  
  • Storing open food in plastic containers with lids or plastic storage bags will lessen the chances of pests finding it. 
  • Check stored grains, (flour, sugar, cornmeal), often, and discard it as soon as the expiration date passes.  Storing these in a sealed container is best. 
  • Pet food is best kept in a storage container with a tight-fitting lid. 
  • Keep inside garbage in a trash can fitted with a bag, and keep the lid closed. Remove the bag to the outside can as soon as it’s full. 
  • Vacuum carpets frequently, especially if you have pets.  They can bring in little hitch hikers when they come in from being outdoors. 
  • Inspect all baseboards, and replace or repair them if they’re broken, and walls should be checked for holes, and repaired as soon as possible. 

If you see pests in or out of your home, it’s best to call a professional to address the problem, and do it quickly so you don’t suffer an infestation.  Once you know you’re clear of bugs, it only takes a few minutes each week to keep them from feeling at home in your home.  

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: ARTober Fest

October 16th, 2017 by tisner

Saturday, October 21, 2017 – 10:00 AM to 5:00 PM
Sunday, October 22, 2017 – 10:00 AM to 5:00 PM

Winter Springs Town Center
158 Tuskawilla Rd.
Winter Springs, FL

A celebration featuring art, German food and drink, live entertainment, kids’ crafts and more!

Event Website

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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Risk Rate Relationship

October 13th, 2017 by tisner

Regardless of what a lender quotes on mortgage rates, the actual rate a borrower pays is based on a number of variables. Lenders determine whether to loan money and at what rate based on the risk involved with the transaction.Sorry not available.png

Factors that increase the risk that the loan will be repaid will proportionately increase the interest rate charged to the borrower. If the risk becomes too high, the loan will not be approved.

  • Loan amounts – conventional mortgages above conforming limits as set by Fannie Mae and Freddie Mac are considered jumbo loans and generally have a higher interest rate.
  • FICO score – the lowest interest rate is reserved for the highest score; the lower the score, the higher the rate the borrower will pay.
  • Occupancy – borrowers occupying a home as their principal residence are considered a better loan risk than second homes and investment properties.
  • Loan purpose – purchase transactions generally have the lowest interest rate with refinancing for better rates and terms being priced slightly higher. An even higher rate might be charged for refinancing and taking cash out of the property.
  • Debt-to-Income Ratio – a borrower’s monthly liabilities divided by their gross monthly income develops a ratio that helps lenders to assess the borrower’s ability to repay the mortgage.
  • Property Type – some types of property are considered higher risk than others which could adversely affect the rate.
  • Loan-to-value – the lower the percentage of the loan to the appraised value of the property will generally lower the interest rate.

Any combination of these factors could limit a borrower’s ability to secure a mortgage at the rate initially quoted. Pre-approval by a trusted mortgage professional can be the best way to know what rate you can expect to pay. Please call for a recommendation of a trusted mortgage professional.

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.

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

Windermere Real Estate Market Report for September 2017

October 12th, 2017 by tisner

The Windermere Real Estate Market Trends Report shows the average sales price was $576,725 in September 2017 compared to $496,616 in September 2016. Homes were on the market for an average of 77 days compared to 95 days last year. Homes sold for 97% of the list price.

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 Real Estate Market Report for September 2017

October 12th, 2017 by tisner

The Kissimmee Real Estate Market Trends Report for 34741 shows 35 homes sold in September 2017 down from 46 in September 2016. The average sales price was $164,394 compared to $136,608 in September 2016 and homes were on the market an average of 36 days, down from 69 days in September 2016.

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 Real Estate Market Report for September 2017

October 12th, 2017 by tisner

The Celebration Real Estate Market Trends Report for 34747 shows 98 homes sold in September 2017 compared to 78 in September 2016. The average sales price was $286,656 compared to $290,685 in September 2016 and homes were on the market an average of 143 days, up from 111 days in September 2016.

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!

Fall Gardening Tips!

October 11th, 2017 by tisner

Summer is over, and for most gardeners and those who love to work in the yard, it is time to tidy things up to prepare for cooler weather. It’s the best time to prepare for next year, even though the next planting season is months away.  Get to work for a head start on Spring.  

Vegetable Garden 

  • If you still have tomatoes or peppers ripening, either take up the plants and hang in a cool place to let them ripen on the vine, or protect them from frost with burlap or row covering over their stakes. 
  • If you have cool weather plants, make sure they’re getting plenty of water, and leaving them to grow until after frost makes them taste better!  
  • Clean up all dead or dying plant debris, because it can cause diseases and help insects that like to overwinter in the rotting vegetation.  If you don’t have a compost pile, now is a good time to start one with healthy debris. If it looks diseased, discard it or burn it. 
  • Adding lime to the garden soil is best done in the Fall.  Take a soil sample to your local extension office for a free soil test so you’ll know how much you need to add. 
  • Cut back perennial herbs, and freeze or dry them for winter cooking. 
  • Think about adding a cover crop.  Cover crops add nutrients to the soil, and prevent soil erosion.  Find a list for your region at https://www.almanac.com/content/cover-crops-us 
  • Before storing garden tools, remove all dirt and debris, then spray with a 10:1 mix of water and bleach.  After they dry, oil tools that have moving parts, make any repairs that may be needed, and hang them out of traffic areas in your shed or garage. 

Landscaping 

  • Plant trees and shrubs in the Fall.  The cooler temps and onset of dormancy gives them the perfect opportunity to establish their root systems. They still need plenty of water, so make sure you keep them hydrated.  
  • Apply fertilizer to your lawn, and aerate it as well. Walking behind the fertilizer spreader in spike-soled shoes is a great way to do these two important things at once.   
  • The last time you mow, keep the level at 1¼”.  This will keep leaves from settling on your lawn, as well prevent disease and insect over-wintering. 
  • Cut back your perennials in the flower beds, mulch them well, and divide tuberous plants like daylilies and irises.  Hostas also benefit from a Fall division.   
  • If you have any young plants or trees, mulch well around them to protect them from freezing once the thermometer drops. 
  • Update container plantings with chrysanthemums, ornamental cabbages, pansies and interesting grasses.  These should take you through the Winter and provide interest and color for the drab days ahead. 
  • Plant flower bulbs for a beautiful, maintenance-free Spring flowerbed.  Daffodils, tulips, hyacinth, and crocuses will provide color for weeks. 

Getting your garden and yard ready for Winter not only makes things look better, but it will certainly help once Spring gets here. The weather can be unpredictable come March and April, so take advantage of the cool, long days of Fall to prepare for next year’s growing season. 

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!

Photo credit: Town ‘N Country Garden Center

Things To Do Orlando: The Americas Cake Fair

October 9th, 2017 by tisner

October 13, 2017 – October 15, 2017 – 10:00 AM to 5:00 PM

Orange County Convention Center
9800 International Drive
Orlando, FL 32819

The largest trade and consumer show in North and South America dedicated to cake, chocolate, sugar arts and more will be held at the Orange County Convention Center in Orlando, Florida. The event, hosted by Satin Ice, will feature industry celebrity headliners, including TLC’s “Cake Boss” Buddy Valastro and other Food Network stars, more than 100 hands-on classes and demonstrations, cake competitions, live challenges, a sugar art fashion show and a VIP meet and greet with celebrities.

Event Website

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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66 Riley Road
Celebration, Fl 34747

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