Aging Americans will need all of the financial help they can muster and reverse mortgages could be a vital resource for many, especially when considering that over the next 20 years, nearly 40% of adults age 62 and older will have financial assets of $25,000 or less; and 20% of those age 62 and older will have $5,000 or less, according to the Task Force.

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These statistics present a “stark reality” of what the future holds for millions of seniors, said Vin Weber, former U.S. representative and Task Force co-chair.

“Seniors’ inadequate savings, their long-term care needs, and the costs of home modifications, call for new strategies to address the home and health needs of individuals as they age,” Weber said in a written statement.

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage.  Call me today at 305-598-1600.

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For all intents and purposes, the real estate market in South Florida continues strong. While sellers won’t see the 12-16% year-over-year market gains we’ve experienced since the onset of the Great Recession, a steady increase of 5% is expected going forward.

South Florida continues to be one of the most desirable real estate markets not just nationwide, but internationally as well. Many refer to this area as “Paradise” for various reasons.

Among these, our weather is spectacular year round. We’re the gateway to the Americas and many are now even saying to Europe, as well. We have an international, cosmopolitan flair. Our beaches consistently rank among the top beaches globally. Why not want to live here?

When searching for a home in Miami and its communities, you need Miami realtor you can trust who will understand your needs and requirements.

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage. Call me today at 305-598-1600.

One of the key elements of my listing marketing plan is to have a full appraisal done on the property. This process gives my clients more confidence in the pricing of their home.

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In addition when we go into contract and the buyers schedule there appraisal for the loan they are securing I attend the actual appraisal that is being done. At the time of appraisal realtors are permitted
to hand the appraiser comps they feel that should be considered in the process. At this time I hand the appraiser the original appraisal that was conducted which contain the actual comps for the area. I find this practice to be very effective and the appraiser is actually getting a second professional opinion in completing the final report.

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage. Call me today at 305-598-1600.

If you’re anything like most Americans, your house is your greatest asset. So, whether you are buying or selling, you’re going to want to make sure you have all your I’s dotted and your t’s crossed with regards to selecting the right realtor for your sale or purchase.

The South Florida market is one of the most active markets in the country today. Since the decline of the market in late 2008, hitting lows later in 2009 and early 2010, the market has soared back to reach even higher highs?

Did you take advantage of this price appreciation?

Though we’re into the middle of 2016 already (where has the year gone), the South Florida market continues strong. There is talk of prices easing, but we’ve not seen such price declines, yet.

Are you looking to buy or sell?

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage. Call me today at 305-598-1600.

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Screen Shot 2016-05-19 at 3.36.21 PMWhile markets fluctuate regularly, are you going to let a potential market fluctuation keep you from buying your dream home or other investment property?

Or are you going to let a potential market fluctuation lead you to sell your family’s home in order to benefit before a possible downturn?

Of course not.

Markets go up; markets come down. We’ve seen plenty of cycles time and time again and we’ll see many more as time progresses.

Consider these opportunities to grow both your investment portfolio and other assets. In market downturns, the best thing to do is to wait and observe. A great buying opportunity is just around the corner.

Take a look at the South Florida real estate market, for example. The market begin to change later in 2007, prior to the stock market crash of late 2008/early 2009. What ensued was one of the best buying opportunities ever to be capitalized upon later in 2010 and 2011. Properties were purchased at nearly half of what these are today available for on the market.

Tap into a home equity line of credit to purchase that investment property you’ve been eyeing.

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

Want to learn more? Call me today at 305-598-1600.

Established since 2002, Strock & Tanner Mortgage Corporation has never failed customers, their families and trusted consultants with the offered services. Strock & Tanner Mortgage Corporation has a sense of enthusiasm and compassion when it comes to serving valued clients.

Strock & Tanner is highly dedicated to supplying both quality and effective Reverse Mortgage services to senior citizens throughout the state of Florida. Strock & Tanner Mortgage Corporation works diligently to discover new and innovative methods to satisfy the individual requirements of each of our customers on a specific basis.

We are a team of top-notch specialists with comprehensive and extensive experience when it comes to handling different mortgage services. Strock & Tanner Mortgage Corporation offer superior customer service and make every effort to not just close loans, but we also educate each individual with the essential and vital information they will require about the offered mortgages services.
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If you want to learn more about our offered mortgages, our expert consultants will clearly set out the information for your program so that you will have the right choice. Call us today for a free consultation throughout the entire state of Florida. Contact us at 1-855-337-1600 or email info@stcloans.com for more details.

The reports are starting to come in…seems like there’s talk about the Miami market softening. But we at Strock & Tanner say, where’s this softening?

While, sure, Miami experiences the same fluctuations in the winter as other major metropolitan areas, where listings decrease, the spring has one again picked up with the usual speed, interest, and enthusiasm from buyers as we have experienced in years past.

If priced correctly at listing, we are seeing multiple bids on properties. These follow with a very quick “pending” sale announcement on the listing.

The condo market also continues to be strong, with steady demand.

Interest rates continue to be at all-times, allowing for an environment which buyers want to take advantage of.

I’m Mario Quintero of Strock and Tanner Loans. If you are interested in buying, selling, refinancing or a reverse mortgage, please call me at 305-598-1600 and I will personally help you with whatever your real estate needs may be.

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After 12 years as an active independent Realtor I have made the decision to join the Remax Advance Realty Team.
I have made this decision in order to improve the service levels that my clients have learned to enjoy over the years.
The Remax Brand will give me the opportunity to assist my clients throughout the state of Florida, throughout the United States
And many countries around the world. The Remax brand and support will also be an integral part in listing & selling Luxury Homes.

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If you or someone you know is looking for a great low down payment mortgage we now offer a low 3% down residential mortgage, without mortgage insurance, up to $417,000 but you need a minimum 680 credit score.
This is a great program for people getting back into the market or first time home buyers. This same program can be used for a rate & term refinance without cash out up to 95% without mortgage insurance. If you have any questions give me a call at 305-598-1600.

Retirees have the opportunity to use a reverse mortgage on their home for many financial challenges facing seniors today. Many well known sites such as Money Magazine, The Huffington Post, CNBC and CNN Financial news have all tooted the many benefits reverse mortgages afford to Seniors.

Let’s discuss a couple of the more prescient ones within the next few posts.

 

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Healthcare Expenses

Say for instance there is for a lump sum to pay in anticipated or unanticipated healthcare expenses. It is well known healthcare expenses pose a challenge for many Seniors.  As a Senior, you’ve hard your entire life. Upon retirement, though many of your expenses may lower, other expenses arise, such as health care costs. Why fret or worry? Safely tap the equity in your home, which you’ve worked hard to pay all your life, so that you may have that safety net to cushion you when unexpected costs arise.

You will not have to repay the monies taken for the reverse mortgage against your home until the time of your death. You will receive a lump sum payment from the reverse mortgage financing institution and neither you nor your heirs will be required to repay these monies until the time of your death.

Is this not something to allow you to breathe a sigh of relief?

Contact Mario Quintero of Strock and Tanner Loans, your Reverse Mortgage Specialist at 305-598-1600 for additional information along with a complementary consultation. He will explain all the benefits available to you with a reverse mortgage.

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