My Go to Realtor®

¿Qué es el seguro de hipoteca y cómo funciona? Respuesta: El  seguro de hipoteca reduce el riesgo para el prestamista, así que usted puede calificar para un préstamo que de otro modo no podrían obtener. Normalmente, los prestatarios con un pago inicial de menos del 20 por ciento del precio de compra de la casa se necesitan de un seguro hipotecario.  El Seguro hipotecario reduce el riesgo para el prestamista  así que usted puede calificar para un préstamo que de otro modo no podrían obtener. Pero, aumenta el costo de su préstamo. Si están obligados a pagar el seguro hipotecario, se incluirá en el pago total   que le hacen a su hipoteca, en los costos de cierre, o ambos. Advertencia: Seguro de Hipoteca, no importa de qué tipo, protege al prestamista,  no a usted - en el caso de que usted se atrase en sus pagos. S u puntuación de crédito puede sufrir y usted puede perder su casa a través de una ejecución hipotecaria. Hay varios tipos diferentes de...

Mortgage insurance and how it works Answer:  Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get. Typically, borrowers making a down payment of less than 20 percent of the purchase price of the home will need to pay for mortgage insurance. Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get. But, it increases the cost of your loan. If you are required to pay mortgage insurance, it will be included in your   total monthly payment   that you make to your   lender , your costs at closing, or both. WARNING: Mortgage insurance, no matter what kind, protects the lender –  not you –  in the event that you fall behind on your payments.   If you fall behind, your credit score may suffer and you can lose your home through foreclosure. There are several dif...

Para la mayoría de nosotros que ganamos la vida usando las computadoras y la tecnología, un mensaje que puede sembrar el pánico en cualquier usuario. Pero tenga cuidado el mensaje en la pantalla podría ser fraudulento y buscan asustar para sacar miles de dólares sin que la computadora necesite alguna reparación.  El pasado otoño, la FTC cerró una operación llamada Global Connect , que envió mensajes emergentes engañosos a las computadoras. Los pop-ups afirmaron que los equipos tenían problemas cuando realmente no lo había, y los operadores por miedo miles de personas pagaron  cientos de dólares cada uno para servicios de soporte de tecnología que no necesitan.

For most of us that make a living using computers and technology, a message like that can be scary enough to send anyone into a panic mode. But be careful the message on the screen might be fraudulent and looking to scare you into paying thousands of dollars for un needed repairs. Last fall, the FTC shut down an operation called Global Connect, which sent deceptive pop-up messages to people’s computers. The pop-ups claimed the computers had problems when they really didn’t, and the operators scared thousands of people into paying hundreds of dollars each for tech support services they didn’t need. Let's be informed and stay ahead of the crooks.

The one issue that all Miami-Dade citizens are in agreement is the absolutely terrible traffic situation in our streets no matter what time or day of the week. Certainly hope that this buses help to alleviate the problem. New Flyer of America Inc., a subsidiary of New Flyer Industries Inc., the largest transit bus and motor coach manufacturer and parts distributor in North America, says it has been  awarded  a contract to build 300 40-foot Xcelsior compressed natural gas (CNG) buses for Miami-Dade Transit. According to New Flyer, the contract is part of a project launched by Miami-Dade County to replace 300 old diesel buses with new CNG vehicles. New Flyer was selected to manufacture the heavy-duty transit buses and to provide aftermarket support to Miami-Dade County as part of a turnkey competition awarded to Trillium CNG to design, build, operate and maintain CNG fuel service stations; upgrade maintenance facilities; and supply CNG fuel to Miami-Dade Transit. Althoug...

No importa cuánto tiempo usted invierta en investigar y educarse sobre la compra de su casa, es difícil cubrir cada detalle. Aquí tiene algunos consejos para evitar errores de novato con su primera compra. Ahorrar tan pronto como sea posible: incluso si cree que aún faltan años para comprar su primer hogar, tratar de empezar a ahorrar para su pago inicial ( down-payment ). Esto hará una enorme diferencia en sus pagos mensuales, y ayuda evitar el pago de seguro de hipoteca privado. Ser cuidadoso con la selección de hipotecas: Hay innumerables recursos que pueden ayudarle a obtener las mejores condiciones para su hipoteca. Puede parecer un montón de trabajo para eliminar menos de un punto de su tasa de hipoteca, pero le ahorrará miles a  largo plazo. Busque apoyo independiente: Es probable enamorarse de una casa, y esto puede dificultar seriamente su enfoques en problemas con la propiedad. Traiga un amigo escéptico o miembro de la familia que puede darle una opinión ho...

No matter how much time you spend on researching and educating yourself about your home purchase, it's hard to cover every detail. Here are a few tips for avoiding rookie mistakes with your first home purchase. Save as early as you can:   Even if you think you're years away from buying your first home, try to start saving for your down payment. It makes a huge difference in your monthly payments, and helps avoid paying Private Mortgage Insurance. Be thorough with mortgage shopping: There are countless resources out there that can help you get the best terms for your mortgage. It may seem like a lot of work to shave less than a point off your mortgage rate, but it'll save you thousands in the long run. Consult a skeptic: You're likely to fall in love with a home, and that can make it difficult to take problems seriously. Bring along a skeptical friend or family member who can give you an honest opinion. Be patient with getting settled: You'll be anxious ...

According to information published b y INFORMATION, INC. Bethesda, MD   political talk, is distracting some workers from doing their jobs. According to a survey of 500 U.S. adults employed full-time, 29 percent admit they're less productive since the election. The survey was commissioned by Wakefield Research. Survey responses on political activity ·         87 percent of employees say they read political social media posts during the workday ·         Millennials consume more than other generations, reading up to 18 political posts per workday compared to an overall average of 14 posts ·         21 percent of survey respondents read 20 or more political posts, which Wakefield Research equates to about 2 hours per day ·         73 percent of respondents say they've talked with their colleagues about politics since the election ·...

 Looming ratings downgrades for six to eight Florida-based property insurers could affect about 250,000 policyholders statewide, forcing some to find new insurers, according to sources familiar with an advisory issued this week by ratings agency Demotech. Lenders may soon reject some Fla. property insurers

The following is a condensed version of a Blog written by Marilou Young posted by THE HUFFINGTON POST    11/07/2015 10:00 am ET  |  Updated  Nov 07, 2016 While small upgrades and minor decor replacements may seem like a waste of time when you’re in a hurry to sell your house, one of the biggest mistakes you can make as a seller is listing your home without any advance preparation. “Make notes on what you, as a buyer, would notice,”  “and then repair or replace those items.” Be sure you prepare your home for sale — and can check off every item on this list — before you even begin to imagine hanging that “For Sale” sign out front. Clean, clean, clean. Be sure to clean every nook and cranny. Don’t forget overlooked areas, such as dusting the fireplace mantel and ceiling fan blades, polishing appliances and faucets, and washing the windows. If you’ve already moved out or if you’re too busy to do a thorough cleaning, consider hiring a cleaning s...