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Things to Consider Before Purchasing a Home with Your Best Friend

March 20th, 2017 by tisner

Purchasing a home is a huge deal and can cost quite a bit of money.   There are a few things in this world that can make people crazy and one of those is money.  If you are thinking about purchasing a home with your best friend you may want to consider a few things first to make sure you are making the best decision for both of you.    There are pros and cons to buying a home together and they are listed below for your consideration.

  1. One benefit of buying a home with your best friend is that there will be two of you signing on the loan.  This makes many lenders very happy because they know that they have double the chance that the mortgage payment will be paid each month.  Having two people instead of one signing the mortgage is better all the way around.
  2. Another benefit of buying a home with your best friend  is that you will share the expenses.  You can sit down together to figure out who is going to pay for what and then take the savings you will receive by doing this and put it toward something you both want or something you want  for yourself.  The beauty of this is that by sharing expenses you will likely have the money to share for fun things too.
  3. Buying a home with your best friend is a great way to gain equity. The longer you two live together the more equity you will be building in the home that you purchase.  If you decide to sell the home one day in the future, you will be able to split the profits and start your new lives more easily than if you didn’t purchase a home together.
  4. One con to buying a home with your best friend  might be the sheer rawness of moving in with someone hitting you in the face.  You may be best friends but when you move in together there will likely be things you find that you don’t enjoy about the others company.  A good way to keep this from causing any issue is to spend some time apart on a daily basis.
  5. Another downfall to buying a home with your “bestie” might be your debt to income ratio. If you both have your income tied up in the mortgage there might not be enough to quality for a new car loan if the need arises.

These are just a few of the things you should consider before purchasing a home with your best friend.

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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Tips for De-Cluttering Your Bathroom

March 15th, 2017 by tisner

De-cluttering any room in your house can sometimes feel like a huge job to take on but for some reason de-cluttering the bathroom can seem to take on a whole life of its own.    Truth is there are many items in our bathrooms that we no longer use.   Take an hour or so to go through your bathroom with this list of tips for de-cluttering.

  1. The first tip to de-cluttering your bathroom   is to do what was just mentioned, take the time to go through your entire bathroom looking for items you no longer use.  If you haven’t used an item in the past week you should consider either getting rid of the item or at least finding a spot for it that will help to cut down on clutter in the bathroom.
  2. Another tip for de-cluttering your bathroom is to throw out old toothbrushes. Some folks may not know this but you are supposed to change out your toothbrush once every three months to keep it from forming bacteria.   If you want to keep your old toothbrushes you could do so and perhaps use them as cleaning tools in other areas of the house.  You might find that they are good for such things as cleaning in between tiles and other small areas that you can’t otherwise reach.
  3. Take a look in your bathroom medicine cabinet when de-cluttering your bathroom. If you find medications that have expired, go ahead and toss them in the garbage right away.
  4. Another tip for de-cluttering your bathroom is to toss out any old makeup or nail polish you may have stored away in a drawer.  Old makeup and nail polish will not work like it is suppose to so there is no use to keep it around.
  5. If you have a lot of half empty shampoo and/ or conditioner bottles laying around your bathroom you can use what is left in them to refill your soft soap container. Throw out all the old bottles once you have used their contents to help de-clutter your bathroom in a great way.
  6. If you have a lot of hotel soaps, shampoos etc, why not toss them into your gym bag and use them there to help make your bathroom less cluttered.

De-cluttering your bathroom is quite simple really; you just have to take the time to do it.  Once you do, I am sure you will like the clean fresh feeling you have as a result.

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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Tips To Make Your Home a More Relaxing Place

March 13th, 2017 by tisner

relaxing at home

Let’s face it, we are all busy and we all typically look forward to relaxing after a hard day’s work once we arrive home!  Can I get an Amen?   Many times however, we come home to a house that can sometimes be less than relaxing.  Whether it is the kids running around fighting with one another or the animals leaving us messes to clean up, there are many reasons why our homes can often times be less than relaxing.  Below are listed a few tips to help make your home a more relaxing place regardless of what is going on around you.

  1. Placing a big comfortable chair in a quiet nook in your home with perhaps a blanket thrown over it can do a lot towards adding a relaxing comfy feel.  Be sure to put this chair and blanket in an “out of the way” space such as a back bedroom so that you will be able to go there to escape the day.
  2. Another idea for making your home a more relaxing place  is to add some fluffy white curtains to your patio or porch.  Add a few pieces of outdoor furniture and a table or two as well.  This will allow you an outdoor space in which you can retire to after a long hard day at work.  These spaces are great for when the weather is good.
  3. Adding an upholstered headboard to your bed can make the entire room look more soft and serene. Also if you happen to have a television in your bedroom, take it out and put it somewhere else in the house.  Your bedroom should be your sanctuary at all times.
  4. Another way to help make your home a more relaxing place is to add a speaker system throughout your house. This way you can play soft relaxing music and listen to it as you move from room to room.
  5. Much in the way that music can be used to make your home a more relaxing place, diffusing essential oils into your home can go a long way as well! If you don’t have a diffuser you should definably order one today!

These tips to make your home a more relaxing place are a good place to start!  Once you do your part to make your home your sanctuary you will likely love the changes!

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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Builder Contracts – What Buyers Need to Know

March 8th, 2017 by tisner

Builder Contracts - What Buyers Need to Know

  • DEPOSITS: There are very few acceptable opportunities for the deposit to be returned to the Buyer.
  • Check the contract carefully to verify if there is a financing contingency. If there is one included pay close attention to the timeframe. Often, the time period is VERY SHORT.
  • Just as in the traditional resale contract the new construction contract will require arbitration to resolve any issues that may arise.
  • Builders NEVER guarantee a completion date. Prepare your Buyers to be ready to react quickly should the completion date be sooner than anticipated as well as be prepared for delays due to weather, materials, permits etc. Believe it or not, virtually every builder contract allows the builder TWO YEARS to complete the home.
  • Most builders require the Buyer to close on the day the certificate of occupancy is obtained. The builder will make the borrower pay a fee PER DAY if they are not able to close when the builder is ready.
  • Builders typically encourage the use of their preferred title company and lender(s). If their “preferred servicers” are selected then incentives and Buyer credits are often given at closing.
  • In most contracts, the Buyer will be responsible for paying all closing costs.
  • It is always a good idea for your Buyer to have an independent home inspector that is willing to check on the progress of the construction several times throughout the course of construction. It is imperative for the Buyer to notify the builder of any concerns immediately and keep a documented list of requested repairs or changes.
  • Most builders provide a 10 year structural warranty and a 1 year limited warranty for building imperfections. A traditional home warranty (used for resale homes) are also available for years 2-5 to cover systems and appliances, but this coverage must be initiated at the time of closing.
  • IMPORANT: No builder will EVER change one sentence, or Word, or even comma on their standard form contract. You can fill in blanks or change numbers and features, but that’s it.
  • Remember the home does not have to be perfect to close. Prepare your buyers for this!!

 

Oliver Title Law
Lewis V. Oliver , Esq. (“Lew”}
Florida Bar Member : 0452284
Member of the Florida Bar Since 1985

and

Leslie Zimmerly
Client Relationship Manager
21513 Lake Underhill Rd.,
Ste. A Orlando, FL 32825

Questions?
Call, Text, or Email Leslie
Cell 321-337-368
Leslie@Olivertitlelaw.com
www.Olivertitlelaw.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!

 

How to Use Color to Brighten Up Your Neutral Home

March 6th, 2017 by tisner

How to Use Color to Brighten Up Your Neutral Home

Many houses these days tend to have very neutral colors in them.  One reason for this is because painting your house neutral can sometimes make it easier to sell.  If you plan to stay in your home for more than a few years, why not use a bit of color to brighten up your neutral home.  Below is a list of a few colors you might want to try and where you might want to think about using them!

  1. You might think that magenta would be a bit bright to use as a wall color in your home, but you may want to give it a try!  You don’t have to paint the entire room this color, why not just paint one wall magenta and let the others be a neutral color.  This will help make your room a bit brighter than it otherwise might be as it adds a bit of pop and pizzazz.
  2. Another color you may not have thought about adding to your neutral home is purple. A good place to use a deep purple color in your home to brighten it up a bit is a bathroom or hallway.  Deep purples can add a touch of class to an otherwise drab area of your home.
  3. You can also use blue and shades of blue to help brighten things up a bit. A good place to use blue paint in your home would be the dining room, living room or den.  There are quite a few different shades of blue to choose from these days but don’t be afraid to choose a bright blue to make a room stand out.
  4. Green is another color that can help to brighten up your neutral home. You can choose from shades of green all the way from forest green to lime green.  It may be a good idea to use a more calming forest green for an office space and maybe a lime green for your child’s room.  Greens are also good for sunrooms as they tend to help bring a feel of the outdoors inside.

These are just a few ways to use color to brighten up your neutral home.  Hopefully it has got you thinking of how you want to bring more color into your life  and what rooms you want to add the color to.

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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Reasons to Purchase a Home Before the End Of 2017

March 1st, 2017 by tisner

Purchase a Home

Now is the time, now is the best time, now is the best time to purchase a home.  Do yourself a favor; don’t wait to purchase your dream home until the end of 2017.  If you have even given a small thought that you might want to move in the next year or so, go ahead and begin looking now so that you might be able to make that purchase today instead of tomorrow.   A few of the reasons why you should purchase your home before the end of the year are listed below for you.

  1. One of the many reasons you should go ahead and purchase a home   before the end of 2017 is because interest rates are already beginning to rise.  The current average interest rate is a little above 4 percent but that rate could reach 6 percent by 2019.  Begin looking for the home of your dreams now so that you can purchase one and get moved in while the market is in your favor.
  2. Fewer homes are available as the years go on. Just a few short years ago there were plenty of homes to choose from; however this list is getting a bit smaller yearly.   Buyers of today will have many more homes to choose from than buyers of tomorrow so get out and get house shopping now!  Call your Realtor today if purchasing a home is on your mind.
  3. House prices are rising and will continue to rise in the future. If there ever was a reason to go ahead and purchase a home before the end of the year, this is the one!  You just might be able to get more of a house for your money now than if you waited until later to purchase.

Again, if purchasing a home has even been on your mind at all and you think you might want to move in the next year or so, get a jump start on your search by starting today.  It can’t hurt to start looking now because you just may be more likely to find it now than later.   Buying a home is a big deal and can cost quite a bit of money so it’s best to start looking now to find the home you have always dreamed of.

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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Reasons to Remodel Your Home

February 27th, 2017 by tisner

Many times folks tend to put things off when they seem overwhelming to them and remodeling your home can be a bit overwhelming, however now is the time to remodel.   A few of the reasons why you might want to remodel your home are listed below.

  1. Consumer confidence is increasing these days and this means that you should feel a bit better about sinking the money into your house that is needed to remodel.
  2. If remodeling your home means that you are going to be hiring a contractor, the quicker you do so the better. Because the consumer confidence is rising contractors are becoming busier than ever.  Going ahead and deciding on a contractor then hiring them quickly is the best route to take if you want to get some remodeling done sometime this year.  That way you won’t have a hard time finding someone to hire because they are all already too busy to help you.
  3. Another reason to remodel your home  is that financing is still reasonably affordable if you need it.   A home equity loan or a line or credit should be quite easy to attain at the present time so go ahead and take advantage of them now.
  4. As we all know, prices on everything tend to go up over the years and that is the case for building materials as well. A good reason to remodel your home now instead of waiting until later is due to the fact that building materials are currently decently priced.
  5. You may want to remodel your home if you like to have things done your way, specifically to your liking. Many times when you purchase a home there are things about it you may not like, but if you choose to remodel the home you are already living in you can “have it your way” so to speak.
  6. If you have already purchased a house that isn’t quite up to your standards then remodeling is definably going to be on your mind and something you want to take care of right away so that you can begin to enjoy your home life a bit more.

These are just a few reasons you might want to remodel.    Some of these reasons are time sensitive to the days in which we are living while others are just good reasons you may want to remodel.  Whichever reason you choose to go ahead with remodeling your home, it is likely that you will be glad you did.

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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Tips on Purging Items from Your Closet

February 22nd, 2017 by tisner

If you are like most people you likely have a ton of stuff in your closet that you don’t really need.  There is something about having a full closet that makes one feel like they have all they need however the art of purging can make you feel so much better about life!  Below are a few tips on purging items from your closet to get you started in the right direction.

  1. When you begin to purge items from your closet  the best place to start is any clothing you haven’t worn in the last year.   A good way to figure this out if you struggle knowing what you have and haven’t worn is to turn all of your hangers backwards and as you wear a piece of clothing turn that hanger the opposite direction.  At the end of the year get rid of any clothes that still have the hanger turned backwards.
  2. Most likely you have a ton of shoes that you haven’t worn lately in your closet. A good idea for purging when it comes to shoes is to just look at them.  Do they have any holes or a lot of wear and tear?  If your answer to either question is yes then it is time to purge those particular shoes.
  3. Many of us have clothes in our closet that we simply can no longer fit into.  If this sounds familiar, do yourself and your closet space a favor and toss those clothes out.  Why waste much needed space in your closet with clothing you can no longer wear.   Make this fun by going out and purchasing a few new clothing items that fit you.  It’s always fun to purchase new clothes!
  4. If you have any clothes in your closet that you absolutely love but they have stains on them that just won’t come out….throw them away and purchase the same shirt or pants new if you just have to have them.
  5. T-Shirts and promotional clothing can also take up space in your closet that is unnecessarily wasted space. Find a spot or a drawer in which you can place these types of items if you feel the need to keep them for nostalgic reasons.

These are just a few ways in which you can get started purging items  from your closet to make the space a more useful and functional area.   Take what ideas work best for you and leave the rest.

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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Preparing for an Emergency or Natural Disaster

February 20th, 2017 by tisner

Nobody enjoys thinking about the possibility of a family emergency or natural disaster, but taking steps to prepare for those possibilities should be a priority.   While not lessening the shock and anguish of an unexpected, tragic situation, being prepared will help you to get your life back in order faster and easier.

One thing to consider is having important paper work organized in an emergency binder .  The binder should contain all the important information about your life.  Think about any paperwork or vital information you would need access to in an emergency, such as:

  • Vital Records
  • copies of birth certificates, adoption records
  • copies of marriage licenses, driver’s licenses and passports
  • copies of all property and auto records – deeds, leases, titles, etc.
  • copies of all property/umbrella insurance policies
  • a list of where off-site and original documents are stored
  • Financial Information
  • list of all bank account numbers
  • copies of front and back of all credit cards
  • list of all investment account numbers
  • list of all retirement/pension account numbers
  • detailed information about current income/benefits
  • detailed information about mortgages/loans
  • Medical Information
  • copies of health/life/disability insurance cards and policies
  • medical history for each family member
  • list of medications and prescriptions, including dose and pharmacy
  • details about any ongoing medical conditions/treatments
  • Contact Information
  • friends and family to reach in case of emergency
  • neighbors who have access to your house
  • financial institutions, insurance companies, legal advisors
  • physicians, specialists, hospitals and other healthcare providers
  • employers and benefit administrators
  • Family Emergency Plan
  • including a family emergency plan in your binder will help you to keep yourself calm and organized during what may be a stressful time

 

Make sure that your emergency binder is kept in a place where it is easy to get to and that it is easy to carry and that family members are aware of its location.

Secondly, it is a good idea to have a safety deposit box or lock box in which to store your original documents.  This can also be used for storing important computer files and passwords, priceless family photos and valuable jewelry and memorabilia. Include a photo of each member of your family along with fingerprints and dental records.  A home inventory list is also a useful item to have in storage.  Remember that most of the documents in your “Emergency Binder” will be copies.  Originals should be placed in a safety deposit box or lock box for safekeeping.

Whether it’s a family emergency or a natural disaster, tragic events almost always leave people feeling blindsided.  Preparing in advance will help ease the feelings of being overwhelmed and panicked as you put your life back in order.  So, set aside a day to put together your emergency binder to help protect your family 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.

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

What NOT to Buy at a Yard Sale

February 15th, 2017 by tisner

what not to buy at a yard sale

Yard sales can be a lot of fun and most folks love it when they get a good deal on something, however if you aren’t careful with your purchases at yard sales you may end up with a trunk full of stuff you don’t really want.  Below are a few ideas on what NOT to buy at the next yard sale you attend.

  1. Electronics may seem like a good thing to buy at a yard sale because you can typically get a super duper deal on them. There typically is a reason why things are so cheap at yard sales and the reason might just be that the electronic in no longer in working condition.  It is a good idea if you do decide to purchase an electronic at a yard sale that you test it out before you leave the sale.  Many times the owners of the product will be happy to allow you to plug it in to see if it works.  If the owners of the electronic at the yard sale are not quite so accommodating, it’s best to just leave the electronic there and purchase it new at the store.
  2. Another thing you may not want to purchase at a yard sale are things for your baby such as car seats and cribs.  Many times these types of items have been recalled and since there is no way of knowing which ones may or may not be on the recall list, purchasing new is always the best way to go.
  3. Yet another item you may not want to purchase at your local yard sale is make-up. While we all love to get a good deal on some make up, think about where that makeup may or may not have been.  Most times you don’t personally know the folks having the yard sale where you are purchasing your items and therefore you don’t know how clean they are.  It is best if you want to buy used make-up that you purchase it from a close relative or friend.

These are just a few ideas of some things that you may not want to purchase during your next yard sale adventure.  Some things are just better bought fresh from the store even if you have to pay three prices for them.

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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