My Go to Realtor®

Click to get the infographic above You don't need to know everything about buying and selling real estate if you hire a real estate professional who does.  Someone said that when you hire people who have more knowledge than you, it proves you are smarter than they are. The trick is to find the right person.  Realtor's fees are approximately  the same. Why not hire a person that proves to have the knowledge and experience you need to accomplish your goal?  Your time is precious, and hiring pros gives you that time. Guillermo "Bill" Sanjurjo Realtor® 12955 SW 42 St Suite 2, Miami, FL 33175 Cell: 786-232-1400

Guillermo "Bill" Sanjurjo Realtor® 12955 SW 42 St Suite 2, Miami, FL 33175 Cell: 786-232-1400

A redevelopment in how many credit reporting agencies factor in negative credit information is prompting millions of consumers’ credit scores to rise.  Collection issues were removed from 8 million consumers’ credit files in the 12 months ending in June. The N.Y. Federal Reserve reported Tuesday that consumers who had at least one collections account removed from their credit reports are seeing an 11-point increase to their scores adding that the majority of consumers who benefited from the changes are those who had credit scores below 660 prior to the collection events removal. This could be good news for potential home buyers, as better credit scores are a big factor lenders use in granting cheaper rates for mortgages. And relatively small shifts in scores can make a big difference on loan affordability. Guillermo "Bill" Sanjurjo Realtor® 12955 SW 42 St Suite 2, Miami, FL 33175 Cell: 786-232-1400

There are basically two rules of thumb One popular rule of thumb says that one percent of the purchase price of your home should be set aside yearly for on-going  maintenance. Let's take for example the average cost for a home in Dade county is slightly under $300,000, you should budget close to $3,000 per year for maintenance. The second rule of thumb is based on the property's square footage. Setting a budget $1 per square foot per year for maintenance and repair costs. That doesn’t mean you’ll spend the budget amount every year. It just means that, on average, over a period 10 years or more you’ll spend around the annual amount. Some years you’ll spend far more; a roof replacement, for instance, might cost $6,000 to $10,000 or more. Other years, you’ll spend far less. But is that really all you'll need? Probably not, according to a study by Porche  where they broke down average home maintenance costs in every state. They examined the ZIP codes in each