My Go to Realtor®

Rates on 30-year mortgages rose to 6.44% from 6.32% last week, according to Freddie Mac. Rates on 15-year mortgages rose to 5.63% from 5.41%. http://dlvr.it/TGFtkC

Returns on typical U.S. home sales remain high but dipped down quarterly and annually, ATTOM found. Median raw profits hold steady at just under $130,000. http://dlvr.it/TGFlqY

U.S. single-family rent prices were up by 2.4% year over year in August, the lowest rate of growth recorded since last fall, CoreLogic reported. http://dlvr.it/TGFVKw

Hurricanes Helene and Milton are expected to rank among the most expensive storms, but insured losses are expected to be lower than previous storms. http://dlvr.it/TGFKdX

NAR released a new Consumer Guide focused on listing agreements to educate customers working with real estate professionals. http://dlvr.it/TGDtjp

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Did you know that a high debt-to-income (DTI) ratio is the #1 reason mortgage applications get rejected? 🤯 ⁣ ⁣ Your DTI ratio is the percentage of your gross monthly income that goes toward debt payments, including your mortgage. ⁣ ⁣ Lenders use DTI to assess your ability to afford a home. So, how can you avoid rejection and qualify for better rates? ⁣ ⁣ ✅ Aim for a DTI ratio of 36% or lower to qualify for the best rates. ⁣ ⁣ ✅ Pay down credit cards, auto loans, student loans, and other debt. ⁣ ⁣ ✅ Increase your income to offset your debts and lower your ratio. ⁣ ⁣ Ready to learn more? Check out our latest blog post to get more tips for taking out a mortgage. ⁣ ⁣ 🔗 https://guillermosanjurjo.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/ /> http://dlvr.it/TGDdP4

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Operation Blue Roof, which provides free tarps for damaged homes, opened for applications, and HUD announced a 90-day foreclosure moratorium on FHA-insured mortgages. http://dlvr.it/TGCzTp

U.S. House Speaker Mike Johnson said new funding might not come until after the November election. Other disaster relief programs are available, including FEMA help. http://dlvr.it/TGCskp

Buyers should keep a close eye on their credit reports, control their debt-to-income ratio and maintain a strong employment record, among other things. http://dlvr.it/TGCXCv

AI is being used to improve efficiency for tasks that include lead generation, scheduling meetings and follow-up communications. http://dlvr.it/TGCPgD

Contact your insurance company soon after a disaster to make a claim and document the damages. FEMA aid is available for some home and business owners. http://dlvr.it/TGC85t

Financial research shows disparities among various racial and ethnic groups. With solid credit, mortgage applications and other loans are more likely to be approved. http://dlvr.it/TGBz24

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The back-to-back hurricanes that swept across parts of Florida have caused billions in damages, according to the latest insurance estimates. http://dlvr.it/TG9QvD

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September saw an uptick in activity from both buyers and sellers, Zillow said. Southern states, including Florida, have tipped towards a buyer’s market. http://dlvr.it/TG90kp

Converting older hotels and motels into apartments is a cheaper and quicker endeavor than converting office buildings or building new, experts said. http://dlvr.it/TG8qNx

A community on the Gulf Coast with homes built to withstand Category 5 hurricanes fared well in back-to-back hurricanes and could be a protype for the state. http://dlvr.it/TG8M3d

The state’s insurers have sufficient reinsurance capital to weather Hurricanes Milton, Helene and Debby and another Milton-sized storm this year. http://dlvr.it/TG8Cpn

Baby boomers say young adults could own homes if they tried harder, a new study showed. But young adults face challenges the older generations never did. http://dlvr.it/TG7xt1

The walk-through is one of the last steps in the homebuying process, but you shouldn’t rush it! Here are a few things to check during your final walk-through: ⁣ ⁣ 💡 Are all items included in the sale (e.g. light fixtures and appliances) in place and operational? ⁣ ⁣ 🚿 Are all major systems working properly? ⁣ ⁣ ⚒️ Have all requested repairs been completed? ⁣ ⁣ 🗑️ Has the seller removed all personal items and debris? ⁣ ⁣ 🚪 Was any significant damage done during the seller’s move out? ⁣ ⁣ Want more expert guidance on the homebuying process? Reach out for a free consultation. ⁣ ⁣ 📲 (786) 232-1400 ⁣ 📧 bsanjurjo@hotmail.com http://dlvr.it/TG7lVx

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Before gas stations, drivers used to buy gas in a can from the pharmacy. There is more to the story http://dlvr.it/TFL9yf /> Photo by aguacates16 via Unsplash http://dlvr.it/TG6jYn

Homeowners, renters and small businesses in Florida counties hit by Hurricane Milton can now apply for FEMA aid and state bridge loans for disaster recovery. http://dlvr.it/TG6HKB

Homes built to newer elevated construction standards fared better than older structures after the past two hurricanes. http://dlvr.it/TG6BXf

Despite their gloomy responses to economic confidence surveys, consumers have kept spending, thus buoying the economy. http://dlvr.it/TG625n

A rent-versus-buy calculator can help potential homeowners determine if they can afford a monthly house payment or should continue to rent. http://dlvr.it/TG5wsj

Brokers should build a system to ensure all documentation is organized and easily accessible, which could include using transaction management software. http://dlvr.it/TG5VPB

Experts say it’s easier to prevent a cyberattack than to fix one. Cyberattacks on firms with fewer than 10 employees have risen 13% since 2020. http://dlvr.it/TG5Pnc

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Realtors and residents affected by Hurricanes Milton and Helene can apply for financial assistance and programs that offer aid for damaged homes and offices. http://dlvr.it/TG2gs4

The Fair Housing Consumer Guide doesn’t constitute any change in NAR policy. It covers the Realtor’s role in promoting housing equity as well as other matters. http://dlvr.it/TG2Qkw

Rates on 30-year mortgages ticked up to 6.32% on Thursday (Oct. 10)  from 6.12% the previous week. Borrowing costs on 15-year mortgages rose to 5.41%. http://dlvr.it/TG2FqF

As households shrink and birth rates decline, pets are increasingly becoming integral family members. More adults are now caring for pets than children. http://dlvr.it/TG1nXb

A former Keller Williams mega agent and real estate coach said being prepared helps agents grow their business during changing economic times. http://dlvr.it/TG1fbG

Insurers will include limited water damage coverage in policies taken over from Citizens this fall due to new state regulations requiring comparable protection. http://dlvr.it/TG1NX6

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The post Unlock motivated renter leads with Apply Now by Rental Beast on Realtor.com® appeared first on MIAMI REALTORS®. http://dlvr.it/TG0ZzR

Downpayment Assistance for First Time Home Buyers! 🏡 💰 Learn how to qualify for downpayment assistance from available government and financial Programs! 😃 🙏🏻 🎯 Go to https://GuillermoS.StopRentingStartOwning.org to get the FREE Information Now! http://dlvr.it/TG0LjT

ATTN Home Buyers! 👨‍👩‍👧‍👧 ❤️ FREE REPORT: Pro's & Con's of Buying New Construction Homes! 🏡 New construction homes offer many benefits and incentives that may make them the PERFECT fit for you 😃 💰 🎯 Go to https://GuillermoS.NewConstructionHomesNOW.com to get the FREE REPORT Now! http://dlvr.it/TG09lN

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Getting ready to buy a home? It’s time to focus on boosting your credit score. 🚀 A higher score means lower interest rates and opens up a wider range of mortgage options. ⁣ ⁣ Watch this video for our top 5 tips to raise your credit score, then read our blog post to learn what score you’ll need for different types of mortgages. ⁣ ⁣ 🔗 https://guillermosanjurjo.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/ /> http://dlvr.it/TFzWVL

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Information is available that will help Realtors protect their businesses and customers including infographics that address immediate needs. http://dlvr.it/TFyRjd

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Officials say the storm could make landfall in the Tampa Bay area late Wednesday and continue hurricane-force winds as it crosses the state. http://dlvr.it/TFxt31

Margy Grant was inducted into NAR’s Dr. Almon R. (Bud) Smith, RCE, AE Leadership Society for her outstanding leadership and a willingness to help others. http://dlvr.it/TFxJZj

Mortgage rates are complex and involve more than just Fed interest rate cuts. Analysts say mortgage rates are also influenced by the bond market.   http://dlvr.it/TFx2CD

Engaging with the community – either online or in person – helps build a customer base. Have a content plan and strategy to reach your market. http://dlvr.it/TFwVwC

Unless you’re a cash buyer, credit scores are the most important factor lenders consider in a mortgage application. It shows the ability to repay, http://dlvr.it/TFwBYk

The Small Business Administration loan funding could run out of money by the end of the month if more federal funding is not approved. http://dlvr.it/TFvMP7

Are your buyers foodies? A new WalletHub study shows several Florida cities rank tops in the U.S. for affordability, food diversity and high-quality restaurants. http://dlvr.it/TFv4CP

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The storm is expected to weaken before it makes landfall, likely in the Tampa area on Wednesday. It could grow in size before moving across the state. http://dlvr.it/TFrcbL

Condo residents unable to afford structural repairs may sell their entire building to developers for redevelopment. http://dlvr.it/TFrJ89

Stacy Horst, co-founder of Erin’s Hope for Friends, is the only Florida winner of NAR’s Good Neighbor and Web Choice Favorites awards. Her charity will receive $12,500. http://dlvr.it/TFqCQP

Whether you’re considering switching brokerages or joining a team, it’s as much an interview for them as it is for you, writes Troy Palmquist The post 35 Questions Your Next Broker Hopes You Don’t Ask appeared first on MIAMI REALTORS®. http://dlvr.it/TFpsLG

Condo residents unable to afford repairs to bring the building up to code may turn to selling entire buildings to developers for redevelopment. http://dlvr.it/TFpjYf

Some 350,000 low-income housing units are at risk of losing federal affordability protections by 2030. Local governments and nonprofits can purchase the properties. http://dlvr.it/TFpPgD

Extra mortgage payments can chop thousands off your mortgage. Use a good prepayment calculator to determine your strategy. http://dlvr.it/TFndc8