Celebrate Labor Day

Celebrate Labor Day

 

Reprinted from Forbes

So why do we celebrate Labor Day?  Happy Labor Day, for those of you in the United States of America!  While having a day off of work to celebrate the end of summer is always a treat, you might be surprised at the real reasons we celebrate Labor Day on the first Monday of September each year. The Labor Day holiday was actually created out of the labor movement in the late 19th century. The Industrial Revolution was at its height in the late 1800s. According to History.com, during this time, “the average American worked 12-hour days and seven-day weeks in order to eke out a basic living.” And even though many states prohibited it, children as young as five or six were often forced to worked in mills, factories and mines.

Because of the long hours, unsafe and unsanitary working conditions, and poor treatment by management, labor unions organized and workers began holding strikes and protest rallies.

 

Over time, more and more states created the Labor Day holiday. Then, on June 28, 1894, Congress passed an act making the first Monday of September a legal holiday, dedicated to the social and economic achievements of American workers.

Celebrate Labor Day

So as you relax on your day off today (possibly with a cold beer in your hands), don’t forget to take a moment of silence to thank the hardworking men and women from the late 1800s for their efforts to create the much-improved working conditions we now enjoy.

~ Lisa Quastauthor of award-winning book, YOUR CAREER, YOUR WAY!.  Join me on Twitter @careerwomaninc

Get in Touch with Mario, Your Miami Realtor

Labor kicks off the Fall home buying season.  Because of this, it’s a great time to invest in property in South Florida. I’m Mario Quintero, your mortgage & realtor for life. I’ll be out showing property to customers on Monday. Let me be your Miami home consultant. STC Loans specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage..

Call me today at 305-598-1600 or contact me here. Let’s find your dream home!

 

 

Is a Reverse Mortgage Right for You?

While we all hope to be healthy well into our golden years in retirement, statistics indicate at least 70% of Americans 65 and older will require some form of long term care or disability insurance. As we all know, these costs can be high and literally break the bank for many seniors adding undue stress to themselves and their families.  Let us be your Miami reverse mortgage contact.

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Wouldn’t it make sense then, to plan for the unexpected?

Most people want to stay in their homes as long as possible and in their communities, with familiar surroundings. Preparing for the future with in-home care is the most viable option. Not only do we become accustomed to our neighbors and community, we want to stay close to what we know and feel comfortable with.

As we all know, health care costs are just continuing to increase. So, what options are available to seniors that will help allow finance these inevitable costs?

A Home Equity Conversion Mortgage (HECM), known more commonly as a reverse mortgage, is a Federal Housing Administration (FHA) insured loan.  A reverse mortgage allows seniors 62 and older to tap a portion of their home’s equity to obtain funds without having to make monthly mortgage payments.  If you have an existing mortgage, then the balance would need to be paid off using the proceeds from the reverse mortgage.  The borrower continues to own the house, and maintains title for the life of the loan. The home can also be sold at any time.  The loan typically becomes due when the borrower moves out of the house as their primary residence or passes away.  Learn more about a reverse mortgage here, on our website.

Why Work with Mario Quintero

Is a reverse mortgage right for you?  Are you still confused on the benefits this loan may provide you?  Have a look at your options with the help of Mario Quintero of STC Loans. Mario has been in the reverse mortgage business since 2002. Mario’s experience is tested and true. Mario has helped thousands of clients secure and supplement their retirement through a reverse mortgage.

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let Mario be both your trusted Miami realtor and Miami mortgage broker.

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.

 

Home Affordability

Home Affordability

courtesy of CNBC News – piece by Diana Click

Today’s housing market is so competitive and pricey that even those homeowners who might want to move up to a larger home are staying put. They either can’t find or can’t afford what they want. A new strategy, however, is becoming increasingly popular — in order to afford that new home, keep the old one.  This is the new home affordability concept.

The number of investor-owned properties continues to rise, but the “investors” are not all big companies or landlords with multiple properties. More and more, they are just current owners using today’s very lucrative rental rates to pay for a bigger home.

Not only do homeowners like Liz and Kevin get the rental income to help cover both mortgages, they will also continue to see price appreciation on their old home, which they would have lost had they sold it. Demand for rental homes is so strong in their neighborhood, and in most urban areas today, that they were not at all concerned with finding a renter.Millennials, the largest generation, are finally forming households at an ever-increasing rate, moving out of their parents’ basements or out of shared living situations. Because they were delayed by the recession, many looking for single-family homes are older and married, but there are precious few starter homes for sale. Single-family rentals are therefore a hot commodity.

Why Work with Mario Quintero?

Are you having difficulty finding a property?   We have helped many repeat clients purchase similar properties and either keep them for themselves or use as an investment. Mario has been in the real estate mortgage business since 2002. Mario’s experience is tested and true. Mario has helped thousands of clients secure and improve competitive real estate mortgage interest rates .

Mario gets your deal done. Let Mario be both your trusted Miami realtor and Miami mortgage broker.

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.

 

 

Summer Travel Hot Spots

Interested in a little architectural tourism this summer?  Check out this list from our friends at Curbed.com.  Check out the complete list of summer travel hot spots here.

Golden Gate Bridge
San Francisco, CA

Even when it’s shrouded in the Bay Area fog, this 1.7-mile suspension bridge, arguably the most famous in the country, still attracts cyclists, crowds, and onlookers marveling at one of San Francisco’s most recognizable symbols. Learn more about this infrastructure marvel at Curbed San Francisco, then plan a visit.

Shutterstock

2. Hallidie Building

130 Sutter Street
San Francisco, CA 94104

It may seem a little short to be the forerunner of today’s skyscrapers, but when it was built in 1918, the Hallidie Building was the first of its kind with a glass facade. A recent multi-year restoration project restored a bit of the nearly century-old structure’s shine.

3. SFMOMA

151 3rd St
San Francisco, CA 94103

According to Curbed San Francisco editor Brock Keeling, this long-anticipated expansion of one of the city’s signature cultural institutions is both an “unabashed success” and “standout in the neighborhood.” Snøhetta’s 10-story contoured facade, an update on the classic Mario Botta building, was inspired by San Francisco’s characteristic fog and choppy Bay waters.

Henrik Kam

4. Space Needle

Space Needle, 400 Broad St
Seattle, WA 98109

One of the symbols of Seattle, this space-age observation tower, built for the 1962 World’s Fair, is in the midst of a $100 million renovation set to finish this summer. Late in July, visitors will be able to check out a new observation deck, complete with a glass floor.

Shutterstock

5. Gas Works Park

2101 N Northlake Way
Seattle, WA 98103

A revolutionary creative reuse project, this Seattle park, designed by architect Richard Haag, reimagined a coal gasification plant on the city’s waterfront as an active park and children’s play place. Landscaping and repurposing of different sections of the abandoned industrial facility have made this one of the more unique parts of the city’s landscape.

6. Hearst Castle

750 Hearst Castle Rd
San Simeon, CA 93452

The inspiration for Xanadu in Orson Welles’s classic film Citizen Kane, William Randolph Hearst’s castle in San Simeon was built on family land where he would take camping trips as a child. Architect Julia Morgan designed the ranch and hilltop estate based on the newspaper tycoon’s eclectic tastes, including Spanish themes. “La Cuesta Encantada” (“The Enchanted Hill”) became a sprawling enterprise, complete with the nation’s largest private zoo, a movie theater, the Neptune Pool (which contained the façade of a Roman temple Hearst imported from Europe) and a private power plant. A perfectionist, Hearst often ordered different sections to be redesigned and rebuilt; Morgan started pitching ideas in 1915, but the project still was incomplete by the time Hearst died in 1951.

Creative Commons Image by Bri

7. The Majestic Yosemite Hotel

1 Ahwahnee Drive
YOSEMITE NATIONAL PARK, CA 95389
(888) 413-8869

Visit Website

One of the defining examples of “parkitecture,” the rustic style of design found throughout the National Park System, the Yosemite Hotel (formerly the Ahwahnee Hotel) has hosted generations of tourists. Designed by Gilbert Stanley Underwood in 1927, the building was made to match its surroundings, and reflects the natural splendor that makes Yosemite so compelling.

Geoff Livingston/Flickr

8. Eames House

203 Chautauqua Blvd
Pacific Palisades, CA 90272

Anybody convinced that modern design means cold edges and a stark palette need only peek inside the exuberant home Ray and Charles Eames designed for themselves in 1949. Commissioned as part of Art & Architecture magazine’s Case Study program and placed amid a eucalyptus grove in the Pacific Palisades, the prefab exterior, a Mondrian-like assembly of off-the-shelf parts—colorful panels, glass, and steel—conceals a playful and living room. The inspiring, oft-photographed space, an artful array of toys, tchotchkes, and furniture reassembled piece-by-piece as part of the epic “California Design” exhibit, embodies the couple’s imaginative and all-encompassing design philosophy.

Carol Highsmith/Library of Congress

9. Sheats-Goldstein House

Sheats Goldstein Residence
Los Angeles, CA 90210

The LA County Museum of Art’s first-ever architecture acquisition, the Sheats-Goldstein House high in the hills of Beverly Crest, designed by John Lautner and owned and loved for decades James Goldstein, is one of the most spectacular houses in Los Angeles: triangular concrete jaws held open by walls of glass, and filled with transparent sinks, built-in leather furniture (including a bed), outdoor corridors with no rails, and windows that look into the pool.

Elizabeth Daniels

10. Schindler House

835 N Kings Rd
West Hollywood, CA 90069

A radical departure from architectural convention at the time it was built in 1922, R.M. Schindler’s experiment in shared space, separated by sliding glass panels, came from an unlikely inspiration: a vacation village at Yosemite National Park. The layout of those shared campsites gave Schindler the idea of creating a live-work space appropriate for two families, a pair of L-shaped apartments with two studios and a utility room apiece. While it may not look it from the road, the home’s then-unique blurring of interior and exterior created a precedent, Also known as the Schindler Chace House, since his friend Clyde Chace and his wife were the first family to share the home with Schindler (Richard Neutra was next), this unique building was a early Modernist classic.

Get in Touch with Mario, Your Miami Realtor

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. STC Loans has been able to grow a repeat and satisfied clientele because we offer lending services traditional banks do not.  Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600, via email at mario@stcloans.com or contact me here.  Let’s find your dream home or refinance your property!

 

foreign national loans

foreign national mortgage loans

 

Foreign Nationals Mortgage Loans

Miami is an international and cosmopolitan city with much to offer.  Of all the cities in the United States, Miami offers beaches, an international flare and very appealing weather year-round.  It’s no wonder Miami boasts a high population of both international tourists and international residents.  Once the tourists visit and get a feel for the city, naturally the appeal is there to consider making Miami a second home.  And many do.  As a result, foreign nationals mortgage loans have been on the rise in past years.

While many foreigners who purchase here are affluent, they often wish to take advantage of the lower mortgage rates.   American banks have the ability to offer low interest rates.  When comparing these interest rates to those of the borrowers’ native countries, USA interest rates can’t be beaten.  Hence, these foreign nationals find American interest rates very appealing through foreign nationals mortgage loans.

Recently I was approached by colleagues of a branch for a large lending institution to offer this service to one of their clients.  This individual owns two seven-figure properties but was unable to refinance his properties as most banks do not offer “foreign national loans”.

While most banks do not offer this service, Strock & Tanner Mortgage/STC Loans does.  Reach Mario at 305-598-1600 or via email at mario@stcloans.com.

 

Father's Day in Miami

Father’s Day in Miami

excerpts from the Miami News

Father’s Day in Miami

Father’s Day is approaching, Miami. Have you thought about how you’ll treat that special man in your life, the one who helped calm a lifetime of temper tantrums? Instead of taking the easy route — buying him a gift card from Home Depot and a case a beer — why not spend some quality time with Dad? Tell him how much you appreciate the lifetime of love he’s given you, because raising a kid ain’t easy. Have a look at these five Father’s Day weekend activities in Miami.

3 Great Father’s Day Weekend Activities in Miami

1. Father’s Day Superdad Spectacular at CityPlace Doral. Head to Doral for an afternoon with the family from 1 to 4 p.m for a chance to meet some superheroes and princesses. 1 to 4 p.m. Sunday, June 17, at CityPlace Doral, 8300 NW 36th St., Doral; cityplacedoral.com. Admission is free.

2. Sip. Swim. Soccer at 1 Hotel South Beach Rooftop. Bring dad to the 1 Hotel South Beach Rooftop, dubbed by New Times’ as one of Miami’s best pool-party spots, and catch the Brazil and Switzerland World Cup soccer game.  This event is 21+. 11 a.m. to 6 p.m. Sunday, June 17 at 1 Hotel South Beach Rooftop, 2341 Collins Ave., Miami Beach; 305-604-1000; 1hotels.com/south-beach. Admission is free.

3. Cars & Cigars. This Sunday, treat your car-loving dad to an afternoon of admiring classic sets of wheels, hand-rolled cigars, and cold beer in the Miami heat. Celebrate Father’s Day at a family-friendly celebration featuring live music, crafts for the kids, and more in Coconut Grove. 11 a.m. to 3 p.m. Sunday, June 17, at the Barnacle Historic State Park, 3485 Main Hwy., Miami; 305-442-6866; floridastateparks.org. Admission is $2, free for children under six.

Father's Day in Miami

Get in Touch with Mario, Your Miami Realtor

I’m Mario Quintero, your mortgage & realtor for life. I hope you all have a happy and safe Father’s Day weekend in Miami.  Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here. Let’s find your dream home!

 

kitchen remodel

kitchen remodel

 

Is a Kitchen Remodel in your Horizon?

What’s the main reason for a kitchen remodel?  Decluttering!  Tidiness is the biggest trend this year, according to the 2018 House Kitchen Trends Study.  The study found that 75% of homeowners named decluttering their counters as their number one priority.  This followed with 66% who want to put things away.  49% are focused on recycling.

What’s the greatest issue?  Storage.  Cited by 93% of survey respondents, storage is the greatest issue when it deals with decluttering one’s house.  Space planning encompassed the next 38% of respondents.  32% wanted an overall cleaner home as well as an equal amount wanting more entertainment space.

The survey also noted that homeowners have an interest in pullout garbage bins, organizers and utensils as well as wine bars.

 

Is a Kitchen Remodel a Worthwhile Investment?

Whether you’re interested in remodeling your kitchen or any part of your home, it’s a known fact a new kitchen offers the greatest value for a home vis a vis either refinancing or selling.  Studies have shown kitchen remodels will usually yield well over a 100% return when the time comes to sell.  And, it also adds value if your’e interested in refinancing.  Either way, a kitchen remodel is an excellent strategy for improving your greatest investment.

My wife, Claudia and I, recently remodeled our kitchen completely.  We bought our dream home two years ago and now saved the funds to renovate and have our dream kitchen.

Get in Touch with Mario, Your Miami Realtor

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here. Let’s find your dream home!

 

 

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First Day of Hurricane Season

Hurricane preparedness tips can not only save your property, but your life, too. Preparing in advance is ideal.  What better time to reinforce and share hurricane preparedness tips than on the first day of hurricane season? Why be caught off guard?  Now is the best time to prepare – during the calm. Today marks the first day of hurricane season.  Are you prepared?

 

Make Early Preparations for Hurricanes

To better help Floridians prepare for hurricane season, the state is allowing for a tax free period between Friday, June 1 and Thursday, June 7, 2018.  During Florida’s hurricane sales tax holiday period, qualifying items related to disaster preparedness are exempt from sales tax.  Now is a good time to stock up on batteries, flashlights, radios, reusable ice packs, candles, coolers and ice chests.  Even generators up to $750 are included in the tax-free holiday.

Hurricane Irma impacted Florida in 2017.  Though given fair warning, many Floridians were unprepared.   Unfortunately,  though Floridians have been hit by hurricanes regularly throughout the years, citizens tend to take a lackadaisical attitude with regards to hurricane preparedness.

Resources

Moreover, the following two websites provide the latest details on final check list preparations. Both NOAA (National Oceanic and Atmospheric Administration) and the National Hurricane Center offer useful tips to guide you with hurricane preparations. You may access this website here.

The U.S. government also provides excellent resources on how you may prepare your home in the event of a hurricane. You may access this website on hurricane readiness and preparedness here.

While much of the information on these two sites are the same, have a look at the most important factors to keep handy below:

Tips:

  • Prepare before hurricane season starts. Pacific hurricane season starts May 15 and Atlantic hurricane season starts June 1.
  • Create an emergency communication plan with your family before a hurricane.
  • Have emergency supplies in place at home, at work, and in the car.
  • Check your insurance coverage, damages caused by flooding are not covered under normal homeowner’s insurance policies.
  • Know your local community’s evacuation plan and evacuation routes and how to receive alerts.
    Listen to local officials.

Hurricane season extends between June 1st and November 1st.

Get in Touch with Mario, Your Miami Realtor

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here. Let’s find your dream home!

 

Memorial Day Weekend in Miami

Memorial Day Weekend in Miami

reprinted from the Miami Herald

What you need to know to get around Miami Beach on Memorial Day weekend

Memorial Day weekend in Miami is here.  This means thousands of visitors will flock to Miami Beach for a weekend of parties, concerts, and special events.

 

 

Home buying in Miami

Miami home loans

 

Miami Home Loans

Were you among those who were affected by the Great Recession?  Did a short sale hit you like a ton of bricks during the real estate bubble?  If you executed a short sale during the real estate bubble three years ago,  you are now eligible to purchase again using an FHA loan.  If your short sale was over four years ago, you may qualify for a conventional loan with as little as 5 % down. There is a way to qualify for Miami home loans today.  This way is simpler than anything we’ve seen since the financial crisis.

Available for immediate applications and funding.

If you are self employed we have a new 1 month bank statement program, no tax returns, no prepayment penalties 30 year rates rates less than 6%. Very low doc loan.

Call or text me for more information at 305-598-1600 or email me at mario@stcloans.com

Why Work with Mario Quintero

I help people reach their goals. Whether you want to buy for the first time, refinance your existing loan, purchase an investment property, or sell your home, TODAY is your moment. Have a look at your options with the help of Mario Quintero of STC Loans. Mario has been in the Miami real estate and mortgage business since 2002. His experience is tested and true. Mario has helped thousands of clients reach their home ownership goals.

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let me be both your trusted Miami realtor and Miami mortgage broker.

Get in Touch with Mario, Your Miami Realtor

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here. Let’s find your dream home!