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Study Supports Earliest Interest Rate Hikes’ Timing

October 13th, 2022 by tisner


Study says: If the U.S. central bank had acted in early 2021, inflation would be down about a percentage point, but unemployment would be up 2 percentage points.

SAN FRANCISCO – Did the Federal Reserve make a historic blunder by not starting to raise interest rates early last year to fight inflation? And if so, how bad a mistake was it?

Not so bad, according to a paper by the Federal Reserve Bank of San Francisco released Tuesday.

In the study, the San Francisco Fed argues if the U.S. central bank had acted in early 2021, inflation would be about a percentage point lower than it is today, but unemployment would be 2 percentage points higher.

“The main effect of earlier action by the (Fed’s policymaking committee) would have been slightly lower inflation at the cost of a substantially higher unemployment rate,” Regis Barnichon, a senior research adviser at the San Francisco Fed, wrote in the study.

The Fed, the paper says, likely would have raised rates just moderately because it would have been mindful of its “dual mandate” to achieve both price stability and maximum employment, especially as the nation was still emerging from the deep recession triggered by the COVID-19 pandemic.

The San Francisco Fed, along with the 11 other regional Fed banks, operate independently but under the Federal Reserve’s supervision.

Fed officials have been widely criticized for calling the inflation surge “transitory” for much of last year, contending it was caused by pandemic-related supply chain bottlenecks that soon would ease. As a result, they kept the Fed’s key short-term interest rate near zero to spur economic activity and lower unemployment, which peaked at 14.7% in April 2020 and still stood at an elevated 6.2% in early 2021.

Inflation, meanwhile, was starting to creep up, with a core measure – which excludes food and energy items – rising from 1% in July 2020 to 2.3% in March 2021 before peaking at 6.2% this past February.

Since the Fed was assailed for being behind the curve, it’s now hiking rates too sharply to tame inflation, according to many economists, and likely tipping the economy into recession by next year. The Fed has hoisted the federal funds rate by 3 percentage points in 2022 after its third straight hike of three-quarters of a point in September. It expects the rate to close out 2022 at about 4.4%.

“They’re going from one extreme to the other,” says Joseph LaVorgna, chief economist of SMBC Nikko Securities.

The Fed hasn’t been the only target of criticism for the price surge. Republicans, among some top economists, also blame President Joe Biden’s $2trillion American Rescue Plan in early 2021 for distributing big checks to households, which goosed consumer spending and further strained supply chains.

Yet the San Francisco Fed paper addresses only the Fed’s role in the episode.

Barnichon argues that even if the Fed could foresee the current price spike, it likely would have raised its federal funds rate by about a percentage point immediately and another percentage point by early 2022, leaving the rate at about 2% early this year instead of near zero.

Separately, Mark Zandi, chief economist of Moody’s Analytics, agrees the appropriate federal funds rate early this year in light of the Fed’s dual mandate was 2%.

Under that scenario, Barnichon writes, core PCE inflation now would be about 4.8% – still well above the Fed’s 2% target – instead of the current 5.8% while unemployment would be about 5.5% rather than today’s 3.5%, which matches a 50-year low.

In other words, inflation would be less virulent at the cost of fewer people working and a weaker economy.

“The Fed was too slow to begin raising the federal funds rate” and that was partly responsible for raising consumers’ inflation expectations, which in turn led to sharper wage growth and inflation, Zandi says.

But, he adds, “it’s inappropriate to be overly critical of the Fed’s slow response, given the heightened uncertainties caused by the pandemic and the Russian invasion of Ukraine. It’s easy to be a Monday morning quarterback.”

If the Fed has acted sooner, the federal funds rate would be a half to three-quarters of a point lower by early next year than currently forecast, Zandi estimates.

LaVorgna disagrees, saying, “When the emergency is over, you take away emergency policy,” adding that’s what the Fed historically has done.

By doing so, he argues, the Fed may only have had to boost its key rate to about 2.5% by now and then paused. A more temperate rise in interest rates could have made for more stable financial markets and avoided perhaps about half of this year’s 24% plunge in the S&P 500 index, LaVorgna reckons.

He also disputes that unemployment would be notably higher than today’s 3.5% and believes inflation would be more than a percentage point lower, though he wouldn’t be more specific.

In his paper, Barnichon says that economic models during the current period are highly uncertain.

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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Source: www.floridarealtors.org, Paul Davidson

Mortgage Rates Continue Quick Rise Toward 7%

October 6th, 2022 by tisner


A 30-year, fixed-rate mortgage averaged 6.7% this week, another notable increase from last week’s 6.29%.

WASHINGTON (AP) – Average long-term U.S. mortgage rates rose this week for the sixth straight week, marking new highs not seen in 15 years, before a crash in the housing market triggered the Great Recession.

Mortgage buyer Freddie Mac reported Thursday that the average on the key 30-year rate climbed to 6.70% from 6.29% last week. By contrast, the rate stood at 3.01% a year ago.

The average rate on 15-year, fixed-rate mortgages, popular among those looking to refinance their homes, jumped to 5.96% from 5.44% last week.

Rapidly rising mortgage rates threaten to sideline even more homebuyers after more than doubling in 2022. Last year, prospective homebuyers were looking at rates well below 3%.

Freddie Mac noted that for a typical mortgage amount, a borrower who locked in at the higher end of the range of weekly rates over the past year would pay several hundred dollars more than a borrower who locked in at the lower end of the range.

Last week, the Federal Reserve bumped its benchmark borrowing rate by another three-quarters of a point in an effort to constrain the economy, its fifth increase this year and third consecutive 0.75 percentage point increase.

Perhaps nowhere else is the effect of the Fed’s action more apparent than the housing sector. Existing home sales have been in decline for seven straight months as the rising cost to borrow money puts homes out of reach for more people.

The government reported Thursday that the U.S. economy, battered by surging consumer prices and rising interest rates, shrank at a 0.6% annual rate from April through June. That was unchanged from the previous estimate for the second quarter.

Fed officials forecast that they will further raise their benchmark rate to roughly 4.4% by year’s end, a full point higher than they envisioned as recently as June. And they expect to raise the rate again next year, to about 4.6%. That would be the highest level since 2007.

By raising borrowing rates, the Fed makes it costlier to take out a mortgage and an auto or business loan. Consumers and businesses then presumably borrow and spend less, cooling the economy and slowing inflation.

Mortgage rates don’t necessarily mirror the Fed’s rate increases, but tend to track the yield on the 10-year Treasury note. That’s influenced by a variety of factors, including investors’ expectations for future inflation and global demand for U.S. Treasurys.

Source:https://www.floridarealtors.org/news-media/news-articles/2022/09/mortgage-rates-continue-quick-rise-toward-7

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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FHFA: U.S. 2Q Prices Up 17.7% – But Over 26% in Fla.

September 15th, 2022 by tisner


Of 100 metros tracked by government-backed mortgages, 8 Fla. cities hold top-11 spots, with Sarasota-Bradenton (up 36.5%) and Cape Coral-Fort Myers (36.0%) at the top.

WASHINGTON – It’s hard to underestimate the strength of Florida’s current home price increases in the second quarter of 2022 based on the Federal Housing Finance Agency House Price Index (FHFA HPI).

Index scores are based on mortgages – more than half of all in the U.S. – backed by Fannie Mae and Freddie Mac.

Of the 100 cities the index tracks, almost all Florida metros anchored the top 10 for year-over-year price increases, including two metros in the first and second spots. Only one Florida city, Miami-Miami Beach-Kendall, didn’t make the top 10, and it was No. 11.

Overall U.S. house prices rose 17.7% year-to-year in the second quarter (4.0% quarter-to-quarter), but no Florida metro area had an increase less than 26%.

Top 100 rank of Florida metros and year-to-year price increase

1. North Port-Sarasota-Bradenton: 36.5%

2. Cape Coral-Fort Myers: 36.0%

4. Tampa-St. Petersburg-Clearwater: 29.6%

5. Jacksonville: 29.0%

8. Fort Lauderdale-Pompano Beach-Sunrise: 26.9%

9. West Palm Beach-Boa Raton-Boynton Beach: 26.4%

10. Orlando-Kissimmee-Sanford: 26.3%

11. Miami-Miami Beach-Kendall: 26.1%

Overall, however, the nation started seeing a slowdown in the rate of home-price increases.

“Housing prices grew quickly through most of the second quarter of 2022, but a deceleration has appeared in the June monthly data” says William Doerner, Ph.D., supervisory economist in FHFA’s Division of Research and Statistics. “The pace of growth has subsided recently, which is consistent with other recent housing data.”

Other 2Q findings

  • U.S. housing market has experienced positive annual appreciation each quarter since the start of 2012.
  • House prices rose in all 50 states and the District of Columbia year-to-year. The five areas with the highest annual appreciation were: Florida 29.8%, Arizona 25.5%, North Carolina 25.2%, Montana 24.9% and Tennessee 24.3%
  • The areas with the lowest annual appreciation were the District of Columbia 5.2%, North Dakota 10.6%, Louisiana 10.8%, Minnesota 11.3% and Maryland 12.0%.
  • House prices rose in all of the top 100 largest metropolitan areas over the last four quarters greatest in North Port-Sarasota-Bradenton (up 36.4%) and weakest in Washington-Arlington-Alexandria (up 9.1%).

© 2022 Florida Realtors®

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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Source: https://www.floridarealtors.org/news-media/news-articles/2022/08/fhfa-us-2q-prices-177-over-26-fla

Using Your Credit Card Wisely

July 12th, 2022 by tisner


There are a multitude of enticements when it comes to choosing and using a credit card. Companies advertise rewards points, cashback on purchases, and airline miles, to name a few. Having a credit card can also have drawbacks if you are not responsible with that piece of plastic. Keep yourself in check with these tips:
 

  • Add extra to your minimum payment each month if you cannot pay the entire balance off each time. Compounding interest will increase the remaining balance as well having a negative impact on your credit.  
  • Make payments by the due date, because late fees plus interest on the balance will max the credit card limit, and it could take decades to pay it off. Set up an auto-pay plan or mail your payment one week before the due date. 
  • Rewards seem like a great reward, but in the end, interest costs add up to more than any rewards points earned. 
  • Interest on a cash advance begins as soon as the money is in your hand. Cash advances are loans and treated as such. Beware of “convenience” checks your card company offers, as they are cash advances in disguise. 
  • Protect your credit rating and your wallet by staying within your credit card spending limit. Maxing out the card or over-spending just a little will cost a hefty over-balance fee, as well as affect the credit utilization ratio. 
  • Keep your contact information current with the company, and check all correspondence from them, whether it be via snail mail or electronic communication. You do not want to miss important announcements, fraudulent activity alerts, or changes in your minimum payment due.  
  • If you are paying for everyday purchases with a credit card, it is time to get your finances under control. Using your credit card at the grocery store or to pay utility bills will help in an urgent situation, but only if you can pay the full balance at the end of the month.  

Two more things to keep in mind when using a credit card: the balance should be less than 30% of the credit limit, and monthly payments should be manageable for you. Credit cards should not be utilized as an extension of your income, but as tools to help build credit or keep your score in good standing.  

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: First Citizens Bank

Protecting Seniors from Scams

June 21st, 2022 by tisner


Scammers are getting more and more creative with their swindling schemes, and older adults are no exception.  Some scams target the general population, but many aim specifically at senior citizens, and we should make our older friends, neighbors, and family members aware. This article features five common schemes:
 

  • Fake Social Security Claims:  This scam can begin with an official-looking letter in the mail or a phone call. The caller informs the recipient that there is a problem with their Social Security benefits or suspicious use of their SSN and could stop receiving their monthly deposits if the requested information is not provided immediately. Remind your older adult that the Social Security Administration will never call asking for more information unless they have applied for benefits. They should simply hang up and call their local SSA office or file a report through the SSA Inspector General Office website. 
  • “Family Member” in Trouble:  Someone posing as a family member, most commonly a grandchild, will contact the elderly person and claim to be in serious trouble. The caller says that they need money immediately and will als0 stress not to contact their parents to avoid getting in trouble with them. In spite of their urgency, the senior adult should hang up or disengage and contact another member of the family, or call the person claiming to be in trouble to make sure everything is okay. 
  • Homeowner Scams:  Older homeowners are targeted because they normally live in a home without a mortgage and a higher value than the purchase price.  Property tax scammers will offer to send someone to re-assess the value of the property to lower the taxes, but for a fee. No matter how official the correspondence may seem, the homeowner should always contact their local tax office to make sure they are not being had. 
  • Deceased Spouse’s Fake Debt:  Fraudsters have no shame, and will go through obituaries, then contact surviving family members to claim that the deceased has an outstanding debt.  The best defense against this is to not give out any financial information, and most certainly do not pay anything. The estate handles any outstanding accounts, not surviving spouses. 
  • Medicare Scams: Phone calls come daily–to those who are not even over 65–claiming to be a Medicare representative.  The most common claims the caller will make are asking to verify information, saying the account has a refund flagged, or offering free medical supplies.  Simply hang up without engaging in conversation.   

Though it may be difficult, stress to the older adult that their financial protection is as important as their physical well-being.  Giving a scammer any personal information can result in identity theft and financial ruin, so it is imperative that no matter their financial status, older adults understand not to trust any phone calls that initiate a financial or personal information transaction. 

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: Senior Crossroads 

Weekly Market Snapshot 7/29 – 8/4

August 5th, 2021 by tisner


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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Stats courtesy of StellarMLS

Why Do I Need Earnest Money?

November 18th, 2020 by tisner


When you’re shopping for a home, it can feel like you’re hemorrhaging money. You’ve got all sorts of things to pay for, from loan application fees to home inspections, so when the issue of earnest money comes up unexpectedly, it can be a “slam on the brakes” moment. Now that the days of low to no down payments are largely past and markets everywhere seem to be running thin on inventory, earnest money may well be the most important negotiating tool you’ve never heard of.

What Is Earnest Money?

When you make an offer on a home, part of that offer can include a little show of good faith on your part, in the form of cold, hard cash. Generally, one to three percent of the offer price is pretty normal for an earnest money deposit, but this can vary pretty widely based on market conditions. And the more you put up, the better. But what happens to that money?

Earnest money is literally just a show of faith. When you go to the closing table, it becomes part of your cash to close equation, which includes other line items like your down payment, your closing costs, and your prepaid items. It’s not a bribe or an extra fee to convince a seller to sell to you. It will simply be applied in full as a credit in your closing documents, reducing the amount of money you need to bring with you on the big day.

Here’s the one kicker. If you were to decide to back out of the contract with no real cause, the seller may be entitled to some or all of that earnest money. However, plenty of situations exist where you may not be able to close, but your earnest money will be refunded, such as:

  • An unacceptable home inspection. This all has to be stipulated in your contract; there are no givens in a real estate transaction, but there are things that are pretty standard. Having an unacceptable home inspection, if the seller is not willing to make reasonable repairs, can be a cause for terminating the contract and getting your earnest money back.
  • Your financing falls through. Again, you’ll need a financing clause or addendum to ensure you’re covered in this event, but because financing is so important to real estate transactions in general, they are pretty standard. If your financing falls through due to no fault of your own (you’ve been laid off, your bank closes, a co-borrower dies), you should generally be able to reclaim your earnest money. The specifics will be in your real estate sales contract, so pay close attention.
  • The seller can’t close. There are a few rare situations where a seller can’t close the transaction. These are incredibly uncommon, but they do happen once in a while. For example, you might find out that the seller only believed they were the owners of the home. This can occur when a parent dies without a will, forcing the property into probate court even when it’s clear an only child will be the sole heir. And in the case that the seller can close, but chooses not to for whatever reason, you would also get your money back.

What Is an Earnest Money Note?

In some markets, you may have an additional option for earnest money, known as an earnest money promissory note. This is essentially an IOU that accompanies the offer. On the note, you’ll specify exactly when you’ll either turn the paper into actual cash or forfeit the offer entirely. Though these were once very common, they’re far less so today. If you choose to use an earnest money promissory note, be sure to describe in great detail why you’re not able to provide earnest money on the spot and how you will remedy this.

For example, if you have some stocks you were going to cash out for your down payment, but didn’t want to touch until you were really ready, you may need time to sell enough to cover the earnest money. In that case, specify this as the reason and say that you’ll initiate a sale on a certain day, then convert the note on that day. Make sure to leave yourself a little leeway, because if you fail to perform, you can suffer serious consequences.

Generally speaking, earnest money promissory notes can be considered a sign of a weak offer, but this varies from offer to offer and market to market and you should inquire before taking that leap.

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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By: Homkeeepr, David Weinstein

Weekly Market Snapshot 11/6 – 11/11

November 12th, 2020 by tisner

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!

Stats courtesy of StellarMLS

Tax Benefits of Home Ownership

October 20th, 2020 by tisner


When listing pros of owning a home in comparison to renting one, many think of things like lower monthly payments for the roof over their heads, the freedom to renovate or simply paint as they desire, or the opportunity to finally have a garden of their dr
eams. Tax benefits, however, are not something many consider; learn about some of the main tax-related advantages homeownership can bring:

  • Tax deduction on mortgage interest:  when a homeowner’s mortgage is no greater than $750,000, the interest on that mortgage is tax-deductible.
    — In 2017, the IRS made changes to this deduction, reducing the mortgage limit. If your mortgage was taken out before December 2017 and is $1 million or less, this deduction applies to your situation as well.
    — Having a home equity line of credit (HELOC) that meets the above standards will receive the interest tax credit as well.
    — In case a homeowner has two mortgages that are each less than the $750,000 limit, but the total of those mortgages exceeds the limit, not all interest is deductible.  Learn more from the IRS Newsroom.
    — According to the Tax Cuts and Jobs Act, this benefit will stand through 2026! 
  • When the home was purchased, were mortgage points used as part of the loan transaction? This may qualify for a tax credit. Use this handy worksheet from the IRS to determine eligibility. 
  • Many have used their homes for office space this past year, but not everyone qualifies for a home office tax credit.  Those who are independent contractors or self-employed are the only taxpayers allowed this credit. 
  • Your lender is required to include property taxes paid on the 1098 form they send at tax time.  Property taxes paid up to $10,000 are eligible for a tax deduction. 
  • If you are paying private mortgage insurance (PMI), the law to receive a tax credit for this has been reinstated as well as being retroactive. House Logic has more information about the changes and benefits. 

Do not miss out on these tax deductions!  Normally, hiring a professional tax preparer will get the most benefits for you if you give them all the necessary paperwork.  Keep in mind that using an online tax prep service will ask homeowner-related questions as you work through your return, and self-tax prep is generally less expensive, depending on the software company you choose.   

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: Desmond Wealth Management 

Contract Amendments and Addendums

October 15th, 2020 by tisner

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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