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Holiday Travels

November 16th, 2017 by tisner

The last thing you want if you’re traveling these holidays is to worry about someone burglarizing your home. Use this check list to add some peace of mind while you’re out of town.

  • Ask a trusted friend – to pick up mail, newspaper and keep yard picked up to avoid an appearance of being empty.
  • Consider discontinuing your mail (USPS Hold Mail Service)
  • Don’t post about your trip on Facebook and other social media until you return – some burglars actually look for this type of announcement to schedule their activities.
  • Do notify police or neighborhood watch – especially if you’re going to be gone for more than just a few days. Let your monitoring service know when you’ll be gone and if someone will be checking on your home for you.
  • Light timers make it look like someone is home – use several sets for different times to better simulate someone being at home.
  • Do unplug certain appliances – TV, computers, toaster ovens that use electricity even when they’re off and to protect them from power surges.
  • Don’t hide a key – burglars know exactly where to look for your key and it only takes them a moment to check under the mat, above the door, in the flower pot or in a fake rock.

These easy-to-handle suggestions may protect your belongings while you’re gone while adding a level of serenity to your trip

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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Simple Kitchen Fixes

November 6th, 2017 by tisner

Whether you are planning on selling your home or just want to spruce it up a bit, the kitchen is the main attraction and heart of your home.  You don’t have to do an expensive remodel to improve the space! Here are a few tips to get your kitchen looking great and up-to-date. 

  • Cabinets are on prominent display in your kitchen, and should look great.  Clean them up and give them a coat of primer and paint.  White, as well as neutrals like grey or taupe, gives a clean look and brightens up the space, and all work well with pops of color around the kitchen. Darker colors work best in large kitchens, and bright colors can be the star against neutral wall colors and decor. Click here for more cabinet painting tips from HGTV. 
  • Refurbish with new cabinet doors.  This can be a little more expensive, but not as costly as replacing all of the cabinetry. You can even ditch the doors and use open shelving for a modern, clean feel. 
  • Change out the hardware on drawers and cabinets.  Have an idea of what you want before you go to a home store to purchase the pieces, because there are so many choices available.  Classic styles are best if you plan on putting your home on the market. 
  • Not only would it protect walls from liquids and grease, but adding a tile backsplash gives a whole new look to your kitchen. Thanks to advances made in peel-and-stick technology, double adhesive mats are strong enough for tile, and you can do this yourself with very little tile installation knowledge. This video from Ask This Old House shows step-by-step how to use this improved material and save time and money while updating your kitchen. 
  • Give your sink a makeover simply by replacing the faucet and the handles. 
  • Countertops dated and unattractive? Replacing them doesn’t have to be a big expense; some laminates look like the real thing and cost much less.  Styles include look-alike marble and faux granite.   
  • Add a dash of style to cabinets with glass doors by papering the inside of the cabinet. Con-Tact© paper or any self-adhesive shelf liner is perfect for this small project.  Amazon carries many designs to choose from.  
  • Installing a new light fixture can make a big difference in your kitchen, and doesn’t have to break the bank.  Look in thrift stores, consignment shops, or yard sales, and give an old fixture a facelift with some spray paint! If you’re unsure about installation, call an electrician or handy person to change the old to the new. 

If you decide to make just one change, or several, make a budget, stick to it, and stretch the makeover out over a few months so you don’t overspend.  For potential buyers to come in and see a clean, new-looking kitchen, or simply having your family and friends spend more time in the refurbished space, a simple update can make a big impact. 

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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Photo credit: bankrate.com

Up-front Points to Lower the Rate

November 3rd, 2017 by tisner

When loans are quoted by lenders, most buyers pay attention to the interest rate but not so much to the points that may be charged along with the rate.19269905-250.jpg

A point is one-percent of the mortgage amount and considered pre-paid interest that affects the yield on the loan. Buyers or sellers can pay points but there can be limits based on underwriting guidelines for different types of loans.

A lower note-rate would obviously make the payments less. However, with a little analysis, you can determine how much points paid up-front can save a borrower or whether you’ll recapture the additional costs in the anticipated time in the home.

In the example below, two choices are compared; a 4.25% loan with no points vs. a 4.00% loan with one point. If the buyer stays in the home at least 69 months, he will recover the $2,700 cost for the point on the lower interest rate.

If the purchaser stays ten years, he’ll save two thousand dollars over the cost of the point. A less obvious advantage will be realized because the unpaid balance on the lower interest rate loan will results in an additional $1,780 savings.

buy-down example.jpg

This is an example of a permanent buy-down but temporary buy-downs are also available.  A trusted mortgage advisor can help you determine alternatives.

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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Energy (and Money) Savers for Winter

October 31st, 2017 by tisner

With energy costs on the rise, it is essential for a homeowner to stay on top of all they can in order reduce their heating and utility bills during the cold Winter months. Here are some things consumers can do on their own at little or no cost to keep money in their pockets every month.  

  • Check windows and doors for drafts. Seal spaces with caulk or weather stripping.  
  • Look at all of the utility-entry places around the outside of your home, and fill around pipes with insulation or cement, if practical.  
  • Close the foundation/crawlspace vents as soon as temps get colder than 40°. This helps protect water pipes from freezing as well.  
  • Go into the attic and inspect your insulation, or consider adding insulation if you haven’t taken that step. This can cut your energy costs and pay for itself in a few years. 
  • Check ductwork for places where it may have come apart and repair—this job may be better for a service person to undertake. 
  • The sun can be used to help keep the house warm by simply keeping curtains on the south side of your home open during the day. 
  • Hanging thicker panels or thermal curtains can help insulate around windows as well.  If you don’t want to change curtains, easy-to-install cellular shades allow light to shine through while insulating your windows.   
  • Plastic sheeting is inexpensive and easy to install on drafty windows or unused patio doors, and just as easy to remove when Spring arrives. Kits are available at hardware and home improvement stores. 
  • Have your furnace serviced before it’s time to use it, and replace your filters once a month.  
  • Close the damper in the fireplace when you’re not using it.  
  • Install a programmable thermostat–if heating with a heat pump, make sure the thermostat is the type specifically for heat pumps.  Program the thermostat for the lowest temperature setting that your family is comfortable while at home, preferably in the 60° range. Turning it down 10°-15° at night and using an extra blanket will calculate to big savings on your energy use and costs.  
  • Using a humidifier is not only healthier, it can cut down on heating costs. The more moisture there is in the air, the warmer you feel.  
  • If you use ceiling fans, make sure they’re turning clockwise on low speed to pull up cool air, and circulate the warm air that collects near the ceiling.  
  • Thinking about changing your home’s heat source? Do it before the cold weather sets in.  Check out the many different products available to help you make this decision. 

The Department of Energy states that simply turning down the thermostat is the number one money-saver. For every degree it’s lowered, consumers save approximately 3% on heating costs.  Lowering the temperature may mean wearing a sweater and socks inside, but the money you can save outweighs the bulky clothes.  

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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Photo credit: BMS Electrical 

Advantages of a Homeowner’s Association

October 25th, 2017 by tisner

There are many positive aspects of living in a neighborhood that is governed by a Homeowner’s Association (HOA). Finding the right one for you and your family may take some research, but if you’re looking for a managed area, it could save some headache in the end. 

What is an HOA? 

  • And HOA is an organization that creates and enforces rules in a subdivision or condominium. When you purchase a home in an HOA community, you are, by default, a member of that HOA, and must pay fees and follow their bylaws. 
  • Most HOA’s now have their information, some complete with neighborhood photo galleries, available online, making it easy to start your research. 
  • Fees and their due dates vary by neighborhood, depending on amenities.  
  • Research the amenities that a neighborhood’s HOA focuses on.  Whether it’s community beautification, a neighborhood gathering place, or a neighborhood walking path and gym, there are many options available. 
  • After you look at the qualities of an HOA and narrow down which ones you like best, find out what the fees are and how they’re paid.  HOA fees can be high, but in comparison with what amenities they offer, it could save you money in the end. 
  • Most HOA’s have rules and regulations that go beyond your local municipality.  These bylaws are in place to protect your property value, and maintain a certain quality of life for the homeowners.  

HOA Benefits 

  • The amenities that some HOA communities offer can save a member money in the end.  A community center means a gathering place for members, saving rental fees for party venues. A walking track or swimming pool can save residents from joining private gyms and health clubs. 
  • HOA neighborhoods in general are more appealing aesthetically, because member fees go towards keeping the common areas clean and landscaped.  
  • Some HOA organizations provide security, trash pick-up, pest control, as well as street sweeping and snow removal. Your property is your responsibility, but the shared areas are taken care of.  
  • If you choose to live in a condominium community, the organization usually handles all landscape maintenance, as well as exterior home maintenance: for instance, if a shutter blows off the building, it’s taken care of.  All the homeowner needs to do is notify someone on the property management board, and they handle the rest. 
  • The community organization board members live in the neighborhood, so they are aware of needs specific to the area, and can better handle solutions to any problems. 
  • Homes in HOA neighborhoods protect your investment in a fluctuating market because of their home-maintenance regulations.  

Don’t let bad press shy you away from considering a home in an HOA.  If a house you absolutely love is in an organized community, do careful research, talk to residents in the community, then make your decision.  There are many different aspects to different organizations, and finding the right one for you and your family just takes a little research and thought. 

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: https://texasenergyexperts.com

Thinking of Selling your Home? Competition is Coming

September 29th, 2017 by tisner
Thinking of Selling your Home? Competition is Coming | MyKCM

The number of building permits issued for single-family homes is the best indicator of how many newly built homes will rise over the next few months. According to the latest U.S. Census Bureau and U.S. Department of Housing & Urban Development Residential Sales Report, the number of these permits were up 7.7% over last year.

How will this impact buyers?

More inventory means more options. Danielle Hale, Realtor.com’s Chief Economistexplained this is good news for the housing market – especially for those looking to buy:

“It’s not spectacular construction growth, but it’s slow and steady in the right direction. Eventually, the pickup in single-family home construction will mean [buyers] will have more options. Especially with the limited number of sales right now, more options are really needed.”

How will this impact sellers?

More inventory means more competition. Today, because of the tremendous lack of inventory, a seller can expect:

  1. A great price on their home as buyers outbid each other for it
  2. A quick sale as buyers have so little to choose from
  3. Fewer hassles as buyers don’t want to “rock the boat” on the deal

With an increase in competition, the seller may not enjoy these same benefits. As Hale said:

“As new construction continues to increase, home shoppers will eventually have more [choices] and a bit more time to make purchase decisions compared to today’s quick-moving housing market.”

Bottom Line

If you are considering the sale of your home, it might make sense to beat this new construction competition to the market.

By: KCM Crew

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!

Mistakes Home Sellers Often Make and How To Avoid Them

September 25th, 2017 by tisner

The best chance for selling your Orlando Florida home is within the first four weeks. Each year, in our area, many home sellers make the same mistakes over and over again. To help you avoid making the same mistakes, I’ve compiled a list of the main factors to ensure you sell your home faster and net more.

Pricing

It is very important to price your property at a competitive market value when you list it. Overpricing by only a few thousand dollars could mean that your house will not sell in a desired time frame.

An overpriced home:

  • Minimizes offers
  • Lowers showings
  • Lowers agent response
  • Limits financing
  • Limits qualified buyers
  • Nets less for the seller

Cleanliness

Most people are turned off by even the smallest amount of dirtiness or odor when buying a home. If your house is squeaky clean, you will be able to sell your home faster and net your desired return. Odors must be eliminated especially if you have dogs, cats, or young children in diapers or if you are a smoker. You may not notice the smell, but the buyers do!

Likewise, declutter. You are moving anyway, so get rid of that old junk now so your house will appear larger. Put items you can’t bear to part with in storage to free up space.

Easy Access

The easiest way to show a house is to have a lockbox accessible to real estate agents! Allow your home to be available during all reasonable hours. Midmorning and midafternoon are usually the best, but sometimes people will want to see your home in the evening after work. Allow your home to be available on short notice as well.

Showtime

When your home is being shown, please do the following:

  • Keep all lights on
  • Keep all drapes, shutters and blinds open
  • Keep all doors unlocked
  • Make sure the temperature is appropriate for the season
  • Leave soft music playing
  • Take a short walk with your children and pets
  • Let the buyer be at ease and let the Realtor do their job

Paint and Carpet

Paint is your best improvement investment for getting a greater return on your money. Paint makes the whole house smell clean and appear neat. If your house has chipped paint, exposed wood, or the paint looks faded, it is time to paint. If your carpet is worn, dirty, outdated, or an unusual color, you may need to seriously consider replacing it. Many houses do not sell because of this problem.

Curb Appeal

Your front yard immediately reflects the inside condition of your house to the buyer. People enjoy their yards. Make certain that the trees are trimmed so the house can be seen from the street. Has the grass been mowed, trimmed and edged? Walkways should be swept. Clean away debris. Remove parked cars. This all adds to curb appeal. If a buyer doesn’t like the outside, they may not stop to see the inside.

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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Why Are So Few Homes for Sale?

September 22nd, 2017 by tisner
Why Are So Few Homes for Sale? | MyKCM

There is no doubt that the largest challenge in today’s housing market is a lack of housing inventory for sale. This challenge has been defined as an “overwhelming lack of supply,” and even a “straight up inventory crisis.”

First American just released the results of a survey which sheds light on the reasons for the current lack of supply.

The survey asked title agents and real estate professionals to identify what they believe are the top reasons for this lack of inventory in their markets. Here are the results of the survey:

  • 47% – existing homeowners are worried that they will not be able to find a home to buy
  • 5% – first-time buyer demand is absorbing a large share of available homes
  • 3% – existing homeowners’ mortgage rates are lower than the current rates
  • 6% – insufficient or negative equity in the home
  • 6% – foreign buyer demand is absorbing a large share of available homes

As the survey revealed, there is a shortage of current homeowners willing to put their homes on the market for one of three reasons (see numbers 1, 3 and 4 above).

Is this an opportunity for some homeowners?

The report on the survey explains:

“The crowd has spoken, and it seems in many markets home buyers and sellers alike are ‘imprisoned’ by the lack of housing inventory.”

That leaves a tremendous opportunity for every homeowner not facing these concerns. If you can put your home on the market today, you are subject to far less competition than at any time in recent history. That will result in your home selling quickly and for the highest possible price.

Bottom Line

While many homeowners are feeling imprisoned for multiple reasons, those who are not handcuffed by these concerns have a once in a lifetime opportunity to sell their houses at a peak selling time.

By: KCM Crew

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 August 2017

September 21st, 2017 by tisner

The Windermere Real Estate Market Trends Report shows the average sales price was $545,417 in August 2017 compared to $507,422 in August 2016. Homes were on the market for an average of 70 days compared to 86 days last year. Homes sold for 96% 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 August 2017

September 21st, 2017 by tisner

The Kissimmee Real Estate Market Trends Report for 34741 shows 52 homes sold in August 2017 up from 51 in August 2016. The average sales price was $174,481 compared to $140,204 in August 2016 and homes were on the market an average of 32 days, down from 53 days in August 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!

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