Advertisements for full-house generators make you wonder if you really should invest in one, despite the high cost.  Having your home in full power during an emergency would be a comfort, but are they worth it?  There are less costly options out there, but only you can decide what’s best for your home and family. 

Portable Power 

• Portable generators are great for providing electricity to essentials:  lamps, refrigerators, freezers, fans or plug-in heaters. 
• Most are fueled by gasoline, and the tank must be filled as it runs, so there is a bit of labor involved.   

• The engines on portable generators are noisy (think lawn mower noise).   
• Generators that run via a solar panel are available, and the technology is getting better, but the initial cost is higher.  Keep in mind that you’ll save on fuel expenses in the end. 
• Prices vary with how many kilowatts you’ll need, and your budget should include enough for appropriate extension cords for each device you plan on connecting to the generator. 

Stand-By Energy 

• In order to provide power to everything in the house, including HVAC, a stand-by whole house generator is the best choice, as it will be connected to your home’s electrical system. 
• A stand-by system can be fueled with natural gas, propane or diesel fuel.  These types of units run more quietly than the portables and are fuel efficient. 
• Whole house units will cost the most, as they are ready to go almost the instant you lose utility power, require professional installation, and possibly local permits.   
• Installation should be done by a certified electrician, and some offer a package deal that includes the unit and installation in one price. 

Whatever type of generator you choose, get the size and type of generator that meets your needs, not exceeds them. There’s no need to waste money!  If you’re unsure of  just how much energy you’ll need, ask-the-electrician.com has some helpful information as well as a sizing  calculator.  Though you’ll only need it during emergencies, you want to know that you’ve made the right choice for your home, your needs, and your wallet. 

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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The loss of a job, divorce, a medical emergency or death of a family member can put homeowners in a financial bind.  You worked hard to buy your house and make it your family’s home.  Don’t let it get to the point of having the bank begin foreclosure proceedings!  Here are some tips to help you save your home: 

• First and foremost: call the bank before you begin missing payments!  If you have equity in your home, this is especially important. Once payments are late, or the lender has filed a notice of default, they will be reluctant or unable to work with you.  
• Several agencies offer free credit counseling and can direct you to someone who can assist you with getting those finances in order.  The HUD website can put you in touch with a local counselor, or find helpful foreclosure information through the National Foundation for Credit Counseling®. 
• Keeping your mortgage payments current is more important than paying credit card bills!  Sure, late credit card payments will affect your credit score, but a foreclosure will do far more damage to your rating.  Once you get caught up with the house payments, pay off the credit cards as soon as possible. 

• Do you have any assets you can sell?  Letting go of expensive items that you’re not really taking the time to enjoy–a boat, for instance–can certainly cut monthly expenses, and any proceeds can go to your loan. 
• In case you’ve already gotten behind, open every piece of mail that comes from your lender.  Many times, they’ll offer options as soon as the first payment is overdue, because they don’t want to foreclose on your loan as much as you don’t want to go into foreclosure. 
• Resist any “quick-fix” offers you see on the internet, television commercials and junk mail, or even from so-called investors.  These “rescue mortgages” could be a scam and will cost you your home faster than a foreclosure can take place. 
• If you see that you can simply no longer afford your home, get advice from an attorney whose specialty is foreclosure, as most will do a one-time consult at no cost.  You may also contact Legal Aid for a pro bono lawyer if you can’t afford it.   

Don’t be embarrassed about reaching out to your mortgage company and letting them know you’re going through a rough patch.  Being proactive before the installments become overdue will allow more options to be available.  Your house is your most important investment, and its home.  Do what you have to in order to keep it. 

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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Homeowners know that to-do lists are almost always too long, but what about don’t-do lists? Whether you’re a first-time homeowner or have been in your home for ten years, here are a few things you shouldn’t be doing: 

• Testing the smoke detectors incorrectly:  sure, the battery needs to be checked, but so does the smoke detection.  Light a match, preferably a kitchen match, and blow it out, holding it next to the detector.  If the alarm sounds, great; if not, replace the battery.  You may need a new smoke alarm. 
• Using incandescent light bulbs:  LED and fluorescent light bulb technology is getting better aesthetically speaking, so the extra cost to replace your incandescent bulb will make up for itself in the end.  You won’t be buying new ones for at least one year, plus your energy costs will decrease. 
• Keeping the old thermostat:  replace it with a programmable, or even better, a smart thermostat.  You will notice a difference in your electric bill! 

• Not checking gutter guards:  gutter guards are great for keeping leaves, larger twigs or pine straw from clogging the gutters, but dirt, seeds, as well as other smaller materials can still get in and cause problems.  Check your gutters at least every six months. 
• Ignoring your roof:  just because you’re not seeing it up close and personal every day, doesn’t mean it doesn’t need inspecting occasionally.  Learn more about how to be kind to your roof here. 
• Setting the mower to the lowest cut:  cutting your grass too far down can cause it to die.  It will not keep you from mowing less!  Cutting the grass 1-3 inches in length will keep it beautifully green. 
• Planting trees close to the house:  small trees that can reach thirty feet in height should be planted ten feet or more away from your house, while taller trees need to be at least thirty feet away. 
• Watering the landscaping in the evening:  your way to relax after a long day may be gardening but giving your plants a drink in the evening can cause mildew and other fungi to grow.   

Keeping these don’t-do’s in mind will help you save money, besides keep your home safe and in good living condition!  Also think of it as less to do, thus freeing up your time to enjoy being home with your family. 

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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Making the decision to renovate any room in your home comes after a lot of thought and planning, but don’t forget that changes in your home can create changes in your homeowner’s insurance.  Whether the renovations lower or increase the payment depends on the job, so we’re going to look at how a remodel can affect your wallet: 

• Additions:  Whenever you add square footage to your home, your policy will need to be upgraded, likely increasing your premium. 
• Converted Space:  Turning your garage into a home theater or creating a master suite from your attic space may not require changes to the policy if the square footage is already covered, but as replacement value has changed, you will want to increase your coverage. 
• Home System Upgrades: Improving electrical and plumbing systems can lower your premiums, as upgrading them can make your home safer from incidents relating to fire and leaky pipes. 

• Pools:  Installing a pool or hot tub in your backyard will add to the replacement value of your home, and you’ll need to increase liability coverage to protect yourself in case of any accidents, 
• Roofing:  A new roof can lower your premium, especially if you upgrade it to the latest standards of protecting your home from natural disasters. 
• Security Systems:  According to Safewise, adding a home security system could lower your homeowners premium by 20%.   
• Solar Panels:  You will want to talk to your insurance agent before installing solar panels to your home.  They may require a separate policy, depending on how they are mounted, which would add to your budget.  
• Upgrades:  Whether you use top-quality building materials for your renovation, upgrade the finishes in your home, or install state-of-the-art appliances in the kitchen, you’ll need to change your policy to reflect the replacement value. 

Making changes to your home improve your quality of life in many ways, but it may come at a cost.  Protecting your investment is worth it in the end, but you want to be prepared for anything that will add to your monthly budget. Schedule a meeting with your insurance agent before beginning any major changes in your home so you won’t be surprised when your payment increases. 

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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Most home sellers work full time, and getting the house prepped to be put on the market can be a second full-time job, depending on their to-do list.  As most every seller knows, curb appeal is vital for a great first impression, and carving extra time is a luxury, but with these tips and ideas, it can go from zero to fabulous in a weekend! 

• Cleaning Pressure wash the exterior siding, fencing, the porch floor, concrete walkway and driveway, and as dreadful as it may be, clean out gutters. 
• Painting These exterior items may need paint:  front door, shutters, window sills, exterior trim, garage doors, porch floor and railings, mailbox and address numbers. 
• Replace Lighting fixtures that are dated or weathered should be replaced, and put up new address numbers, or mailbox if paint doesn’t improve their appearance, and get a new welcome mat. 
• Inspect Go around the house and look closely at exterior trim, shutters, and window sills.  Examine concrete for damage, and make sure walkway pavers are stable and in perfect condition.  Make certain that all landscape lighting or irrigation systems are in working order. 
• Lawn Care Not only should the lawn be mowed but using an edge trimmer to neaten up the walkways, driveway and planting beds makes a big difference.  Seed any dead areas of the lawn.   
• Landscaping Weed flower beds, add seasonal easy-care plantings (annuals are best for season-long blooms!) and new mulch.  If a tree needs more than minor pruning, call a tree specialist. 
• Decorative Remove personal yard flags, add some potted plants on the porch, highlight a shady spot with a simple outdoor bench and a few plants, and clean up outdoor furniture cushions or replace them. 

Much like the interior of the home, the outside should be clean, in working order, and clutter-free.  Before you get outside, go online and search recently sold homes in your market for some curb appeal inspiration, then put in a weekend’s time, and get that house sold!  

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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Decorating is the most personal way to express yourself in your home, and sometimes, when you want to try something different–something that doesn’t seem to fit anywhere on the list of design rules–it may be tempting to go with the flow, despite what you want to do.  Get design-rebellious with these tips: 

Color 

• Small room?  It doesn’t have to be a neutral color!  Go bold but create balance with open shelving or smaller furnishings. 
• We’re told not to stick with one color in a room, but going monochrome creates a bold, dramatic statement. 

• Your ceilings can be considered another wall when it comes to color.  Just remember to keep the walls a neutral color and get samples to paint on the ceiling before you commit to it. 
• Trim doesn’t have to be white!  Use high-gloss black for drama, stain that complements wood flooring, or neutrals for a modern twist on a traditional look. 

Finishes 

• If the metal finish on your kitchen light fixture doesn’t match the drawer pulls, it’s fine!  Mixing metals is perfectly acceptable, and check out this article from the Invaluable blog for inspiration! 

• Wood finishes don’t have to be the same throughout the house; create dimension with different stain colors, adding depth to a room or the whole house. 
• Who said tile is only for kitchens and bathrooms? Create an accent wall with tile in any room.  Be inspired by using the HGTV photo library search for whatever room you have in mind and add “wile tall” to the search term.   
• Speaking of kitchen tile, why not use wallpaper for your backsplash?  Protect it from splashes and oils with mounted plexiglass or a sealant made especially for sealing wallpaper. 

Furnishings and Accessories 

• Furniture stores have us fooled into thinking that our furniture sets must match, and this logic applies to even pieces like dining chairs. Mixing styles adds interest. 
• Mixing more than two patterns can be scary, so start small with accessories in bold patterns that are easily changed.  Staying in the same color family with your patterns will made this decision less daunting. 
• If you’d like to add some natural pieces to your space but don’t have a green thumb, then don’t be ashamed to use artificial plants!   
• It’s tempting to just scoot furniture to the wall and leave it because you want to follow symmetry.  Go diagonal!  Check out the difference a rearrangement can make by placing the sofa at a slant and give it a try in your living room! 

Not all rules of design should be broken, and there are likely rules that tell us why going against the norm with our personal decorating has a great result.  If you want to do something different, try it–you may like it! 

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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Whatever the reason behind the desire to sell your home, it’s not as simple as hiring an agent to put up a For Sale sign in the front yard.  If you want a successful sale, there are things you need to know and do!  Follow these tips for smooth sale-ing: 

• Do a bit of local research and choose at least three real estate agents to meet with and interview to find the best agent for you and your home’s sale.  
• Gather every bit of “official” information about the house and property:  major appliance and home system ages, dates and permits for any renovations or additions made to the house, warranty paperwork that still applies for any part of your house, including the roof, and any information about your mortgage, if you still have one. 
• Be open to fully trusting your agent about when to list the house, as well as pricing.  Selling homes is their business, and they know about the market, what homes in your area are selling for, as well as knowing buyers who are ready to purchase a new home. 

• Emotionally speaking, you have to “check out” of your home.  You must step back and begin to look at it as a house, and someone else’s future home. 
• Familiarize yourself for what you will need as a seller at closing, so everything will be in order when the time comes. 
• Get ready for some work!  Your house needs to be thoroughly cleaned, decluttered, depersonalized and may need some cosmetic work, such as painting, new carpet, or fresh landscaping.  Remember that first impressions are important when it comes to selling your house. 
• Do you plan to move before the house is sold?  If so, you need to add the cost of staging to your budget, because you want potential buyers to see it as a home, and not an empty shell. 
• Realize that your family’s schedule will be interrupted during the showing process.  The more home-seekers who come through your door, the more your chances are of selling.   

• Having a pre-sale inspection done on the house is a wise decision to make.  Once it’s complete, make sure you address any problems the inspector finds, or discuss your options with your RealtorⓇ, such as lowering your asking price, or offering a repair credit. 
• Before making any upgrades in your house, such as installing a steam shower to the master bath, or integrating smart home features, talk with your agent to make sure they will be worth it in the end.  They will know what is desirable in homes in your market, and it could save you a bundle. 

Last of all, be patient; unless you get lucky with a quick offer, houses can take a while to sell, and there’s nothing wrong with that.  Talk to your RealtorⓇ about the ins and outs of selling–they’ve usually been involved in every situation imaginable.   

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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The house you’ve had your eye on has advertised an Open House, and though you haven’t started your official house hunt, you’re dying to see it.  If you’ve never been to an open house, there are a few things you need to know before you visit–you want to make as good an impression as the house! 

• Dress casually, and maybe even wear slip-on shoes, as some homeowners prefer guests to remove their shoes.  
• Be on time (maybe even early so you can be the first ones there):  unless there’s an absolute emergency, you don’t want to get there when lots of others are in attendance, nor do you want to get there as the agent is locking up to go home. 
• Let yourself in!  An agent may greet you at the door, or they may be waiting for visitors in a central room.  Remember that different agents have a different method, so be prepared for a self-tour, or an agent who would like to give you a tour. 

• Signing in is sometimes optional, but some homeowners require it for their protection, and if you’re ready to start looking for a home, the attending agent can have your contact information so you can talk with them about your needs. 
• If you already have a buyer’s agent, the polite thing to do would be to let the attending agent know who your agent is. 
• While others are looking around, wait until they’re out of a room before you go in, giving them space and privacy. 
• Most houses on the market don’t have closed access, but if you come to a closed door at an open house, ask the broker if it’s okay to go in and look around.  Sometimes another guest has mistakenly closed a door. 
• At the same time, don’t open medicine cabinets or anything else that could have the seller’s sensitive personal items, and make sure it’s okay to check out closet space before you go into the bedrooms. 

• Only take photos with permission.  Most of what you need to know is already provided in the open house flyer and online. 

Take the brochure or flyer the agent has available and take notes on it as you tour the house. Once you’re finished with the walkthrough, stop and ask the agent any questions you may have about the house, and write those answers down. This is especially helpful if you’ve taken a day to visit several houses and will make any discussions with your significant other or your agent much easier. 

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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Thinking about doing some home improvements?  Whether it’s a kitchen or bathroom remodel, a whole-house painting, or floor refinishing, there’s a time of year when these jobs are easier to get completed, mainly because of how the weather affects not only construction, but the quality of the finished product as well.  Find the project you’re considering, and see when it’ll be the right time to get to work:  

Additions, because of needing a new foundation, could be started in late Winter/early Spring when the ground is still cold and more compact.  It makes for better digging and concrete pouring and setup. 

Exterior door replacement would be convenient any time except Winter, just in case there are any issues and the doors aren’t a quick switch. 

Exterior painting, for many reasons, is a better idea in early to late Summer, when temperatures are above fifty degrees. 

HVAC work, in non-emergency situations, should be done in the off seasons–new heater in warm months, air conditioning before it’s sweltering outside. 

Interior remodeling like kitchen and bathroom redo’s, can be done practically any time.  The main thing to keep in mind here is warm months are busier for contractors, and that can mean a job done in a hurry, or higher prices. 

Outdoor projects, even though a popular time for construction is the warmer months, should be started in late Winter, simply because you want to be able to spend your Summer enjoying your new outdoor space! 

Refinishing hardwoods is probably best completed during the times of year when humidity is low for the best finish, and so windows can be opened to allow air circulation to help get rid of any associated odors. 

Roofing, believe it or not, may get better results in hot months of the year, as the most common materials used will need warm temps for the best performance. 

Window repair/replacement is managed well during warm months or when frequent rain isn’t a factor. 

Keep in mind that Spring and Summer are busiest time for contractors.  If you are hiring your job out, the process should be started long enough in advance that you don’t have to be put on a wait list.  On that same note, during slower months, a contractor may give you a deal on the work, because there aren’t other jobs to be done, and you get their full attention!  Planning is key for a smooth finish on any project, any time of year. 

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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Some homeowners think they’ll be saving a ton of money by choosing to sell their home themselves, and unless they’re a real estate agent, that may be so.  If you are interested in a house that is offered for sale by the owner (FSBO) what’s the risk for you?  Read on to find out why it’s not a good idea for seller or buyer: 

Sellers 

• According to realtor.comⓇ, the listing agent and buyer’s agent split about 6% of the home’s sale price.  You’ll need to calculate how much it costs you to stage and photograph your home, get an MLS number, market the house, take time from work to schedule showings as well as host the showings, do all of the paperwork involved, and contact and pay attorneys and others who are involved in a home sale, and compare it to the commission you believe you’ll give up to an agent.   
• To be fair, the seller should offer a 3% commission to the buyer’s agent.  Otherwise, most agents won’t bring anyone who’s interested to your home for a showing. 

• Sellers are responsible for any mistakes that have occurred once the transaction is in motion.  If you don’t purchase errors and omissions insurance, you may end up paying out of pocket in court or settle out of court for those mistakes. 
• Pricing your home takes more than just an online search for sold homes in your area, and not only can you overprice your house, but you can lose thousands by underpricing. 
• Scammers abound and can cost you in many ways.  These criminals target FSBO homeowners, because the scammers are savvy enough to make their offer look legitimate.   

Buyers 

• Beware the owner’s asking price.  Since the majority of FSBO sellers don’t have the experience to set a good market value on their home, their quote will likely be too high. 
• Be prepared to wait some time to see the home.  Most homeowners have full-time jobs, and you’ll have to view the home on their time, with them as your host. 
• If a seller tells you their house is in perfect condition, and you can save money by not hiring an inspector, walk away.  Every house even brand-new houses should be inspected before changing hands. 
• Ask the seller what fees they plan on paying, and in the case that they ask to share the costs with you, it’s time to find another house. 
• Do your own research on the house, make sure the person you’ve talked with is the actual owner, and proceed with caution.  There are scams that involve an empty house, FSBO signs, and scammers who will take your money and run, because they aren’t the rightful owner. 

The best advice: hire a RealtorⓇ.  Not only are they the ones taking the risk in selling your home (or not), licensed real estate agents know everything you don’t know about selling and purchasing, devote all their working hours to home-buying, and can protect your investment as well as a buyer’s interests. 

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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