Miami real estate consultant

Miami real estate consultant

Strength Through Adversity

 

As you embrace the start of the New Year, it’s important to give yourself room to grow. It’s also important to remember that growth is not always easy or obvious. I’m reminded of the following story, a valuable metaphor for embracing adversity:

A man found the cocoon of a butterfly. A small opening appeared. The man sat and watched the butterfly for several hours as it struggled to force its body through the little hole. Then it seemed to stop making any progress. It appeared as if it had gotten as far as it could and could go no farther.  The man decided to help, so he took a pair of scissors and snipped off the remaining bit of cocoon. The butterfly then emerged easily. But it had a swollen body and shriveled wings.

 

What Happened Next?

The man continued to watch the butterfly because he expected that at any moment the wings would expand and the body would contract to the proper proportion.

Neither happened! In fact, the butterfly spent the rest of its life crawling around. It never was able to fly.  In his kindness and haste, the man had not understood something. A restricting cocoon and the struggle for the butterfly to get through the tiny opening were nature’s way of forcing fluid from the body of the butterfly into its wings so that it would be ready for flight once it achieved its freedom.

Sometimes struggles are exactly what we need to become stronger in character and determination. If nature allowed us to go through life without any obstacles, we would not learn how to be resilient and powerful. We might never fly!

Why Work with Mario Quintero

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

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.

Reverse Mortgage Florida

Reverse Mortgage Florida

Reverse Mortgage Florida as a Retirement Tool

 

Will you have enough funds available when you retire?  Are you in your early 60’s and still carrying a mortgage on your home?  How will you meet your financial obligations when you earn less?  A reverse mortgage Florida may be your answer.

According to a recent study by Harvard, “One in five Americans will be older than age 65 within the next 20 years.” Wouldn’t you want to continue living in your home as long as possible?   Furthermore, “Homeowners comprise the majority of cost-burdened older households. The number of owners carrying mortgage debt into retirement has increased over the past 20 years.”

As a result,  “Since you own a home, your high housing costs might be met with prudent and early financial planning.”  This may include planning for a reverse mortgage Florida.

Get educated about your financial challenges. If you to choose to remain in your home, you must address your options.

 

Why Work with Mario Quintero

Would you like to take advantage of the many reverse mortgage loan benefits available? Do you think you qualify for a reverse mortgage? 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. His 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 me 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.

 

Miami's Animal Lover Realtor

Miami’s Animal Lover Realtor

 

Healthy Pets Save Money

We love our pets, but they can be expensive to care for, especially as they age.  Because of this, you never want to have to choose between your pet and your bank balance.  Since I have the opportunity to meet many pets on a regular basis, when I visit my clients’ homes, they just call me, “Miami’s Animal Lover Realtor”.  So, consider these simple tips for saving money while keeping Fido or Fluffy healthy and happy:

  • Get regular checkups. The money you spend on vaccinations, spaying/neutering, and routine medical care will pay off in preventing more expensive illnesses later.
  • Groom at home. Lots of grooming – brushing, washing, clipping claws – can be done on your own. Also learn to do the unpleasant tasks of cleaning ears and anal glands.
  • Get annual dental care. Talk to your vet about keeping your pet’s teeth clean and preventing infections. Dental problems are one of the leading causes of dog or cat health problems as they age.
  • Consider pet insurance. Shop around for some insurance to cover medical care in the event of an emergency.

Miami’s Animal Lover Realtor

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

Our valued customers, colleagues, and friends refer their family members, coworkers, neighbors and other people they know to us for advice on any aspect of mortgage financing. It is our burning desire to build a business based on strong, lasting, lifelong relationships, one person at a time, through confidence and trust. I look forward to hearing from you and I can be contacted via email.

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.

VA Loans for Veterans Living in Florida

VA Loans for Veterans Living in Florida

VA Loans for Veterans Living in Florida

Being a US veteran has its benefits.  After all, this country owes veterans a debt of gratitude.  Therefore, the least we can do, among other things, is offer advantageous benefits to veterans such as competitive VA loans for veterans living in Florida.

Says Allison A. Hickey, VA’s Undersecretary for Benefits: “This vital program offers veterans, service members and their families the keys to homeownership and is truly a testament to our nation’s commitment to enhancing the lives of those who served our country.”

Here is a listing of  just a few of the benefits offered to veterans through VA loans for veterans living in Florida:

 

  • low interest rates than those of conventional loans (call our office at 305-598-1600 for current levels)
  • no down payment needed (if the purchase price doesn’t exceed the appraised value)
  • No private mortgage insurance required on loans of more than 80% of a home’s appraised value (which can often save borrowers $100 to $200 a month)
  • Limits on closing costs
  • No minimum credit score required
  • No prepayment penalty for eliminating your mortgage ahead of schedule

 

Why Work with Mario Quintero

Are you a veteran looking to both purchase and secure mortgage financing? Buying a home isn’t just a matter of finding the right house. Negotiating and reaching a workable price level work hand in hand. You must secure mortgage financing to purchase your dream home. Because of this, as a trusted Miami realtor and efficient Miami mortgage broker, Mario will help your dream home become a reality.

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let me be both your trusted Miami realtor and Miami mortgage broker. Don’t attempt to negotiate on the purchase of your home on your own. Mario helps you reach the best price through his extensive negotiating skills.

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 you VA loan for veterans, 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.

Miami job loss preparation

Miami job loss preparation

Miami Job Loss Preparation

 

Are you prepared?

While it’s the beginning of a new year and we’re full of much hope and optimism, any of us could lose our jobs at any time for different reasons.  Are you prepared?

Here are 3 advice tips from financial experts:

  1. Have at least six months’ worth of living expenses on hand.
  2. In addition to your emergency fund, you should also have on hand an emergency credit card with the largest credit limit for which you can qualify.  Apply for this card before an emergency hits, as credit cards companies are more likely to grant you approval while you have a steady income. Save this card for unusual expenses that go above and beyond your six months of padding.
  3. As soon as you emergency hits, stay level-headed about finances.  Cancel unnecessary services, such as cable TV.  Consider trading in the car with a high payment.  Shop for less expensive food and drink.  Just by watching what you spend, you can save several hundreds of dollars per month.

 

Why Work with Mario Quintero

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

Our valued customers, colleagues, and friends refer their family members, coworkers, neighbors and other people they know to us for advice on any aspect of  mortgage financing. It is our burning desire to build a business based on strong, lasting, lifelong relationships, one person at a time, through confidence and trust. I look forward to hearing from you and I can be contacted via email.

 

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.

Miami Reverse Mortgage

Miami Reverse Mortgage

 

Benefits of a Miami Reverse Mortgage

We closed our last reverse mortgage of the year last week, helping Marcelino and Josefina supplement their daily living.  This is one of the many benefits of a Miami reverse mortgage.  Whether it’s for yourself, your elderly parents or anyone else you know who’s retired, a Miami reverse mortgage is an excellent way to supplement life at retirement.

The above picture shows our closing celebration with Marcelino & Josefina.  We had just completed a reverse mortgage closing at their home with caretaker family members, Daisy & Maggie.

A Miami reverse mortgage is just one of the vehicles Mario Quintero and the team at STC Loans help you reach your goals and dreams.  Life is expensive at retirement.  Fortunately, the Miami reverse mortgage option is available to individuals who’ve worked hard their entire life.   Because they’ve paid off their homes, and reach retirement age, their investment can work for them.

Your home is your biggest investment.  Inasmuch, as you age, and you pay this off, it allows you to benefit when you retire.  Upon retirement, you may use all or a portion of the proceeds to subsidize life.   Moreover, you live debt-free, as you never have to make another mortgage payment again.  You are still responsible for taxes and insurance, however.  But, all the payments you’ve made prior to retirement now help you.

Why not take advantage of this?

 

Why Work with Mario Quintero

Would you like to take advantage of the many reverse mortgage loan benefits available? Think you qualify for a reverse mortgage? 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. Because of this, his 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 me 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.

Generous Miami Realtor and Mortgage Consultant

Charitable Miami Realtor and Mortgage Consultant

Charitable Miami Realtor and Mortgage Consultant…

As the saying goes, “Tis better to give than to receive”.  This saying can not be more true than at the end of the year.   Often at this time, both young and old alike, across the USA are left without the ability to experience the true blessings of the season.

Not the case for “DeNito’s Ride for Kids.”

Anthony DeNito of DeNito’s Ride for Kids “donates specially designed bikes for kids with lower levels of mental or physical abilities to offer safe, stable and stylish choices, providing them a new form of mobility, exercise, therapy but most importantly, the joy of cycling.”  Indeed, even a child with a severe debilitating disability who would in any other case, be unable to experience the joy, pleasure and physical benefit of riding a bike, can now experience just that.

Through the company’s mission statement:   “To focus directly on kids that are unable to ride bikes due to mental or physical disabilities.  We are working with a manufacturer in the USA to offer safe, stable and stylish choices for kids with lower levels of ability, providing them a new form of mobility, exercise, therapy and most importantly, the joy of cycling.”

Anthony DeNito makes the dreams of both parents and children with challenging physical disabilities.

Make Your Contribution Today

Are you looking for a charity to donate to this holiday season?  Because of all the benefits, please consider DeNitos Ride for Kids, helping physically challenged children experience the joy of riding a bike.  Learn more here.

The Charitable Team at Strock and Tanner Mortgage

Miami realtor and mortgage consultant, Mario Quintero of STC Loans, presented Anthony DeNito of Denito’s Ride for Kids with a generous donation for the charity towards the design and development of a new bicycle for a physically challenged child.

Why Work with Mario Quintero

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let me be both your trusted Miami realtor and Miami mortgage broker. Don’t attempt to negotiate on the purchase of your home on your own. Mario helps you reach the best price through his extensive negotiating skills.

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.

Miami Jumbo Mortgage Rates

Miami Jumbo Mortgage Rates

 

Miami Jumbo Mortgage Rates Increasing Soon

Miami jumbo mortgage rates may be increasing soon.  While interest rates are at historical low levels, according to a recent post in the Wall Street Journal,  “the mortgage market is changing fast.”  “In the two days following the election, the average rate on 30-year fixed-rate conforming mortgages spiked a quarter of a percentage point to 3.87%.”

 

Why Buy NOW

Depending on how far that runs, higher rates could arrest further gains in home prices. While prices have shot up in many U.S. housing markets over the past couple of years, superlow mortgage rates have kept higher prices within reach of many borrowers.

“The ultimate problem is the impact of rising rates on home values,” said Stu Feldstein, president at SMR Research Corp., a mortgage-research firm.  He said his firm expects that by the end of 2017 rising rates will have contributed to home values declining in about one-third of the U.S.

The most important key here is locking in the lowest possible Miami jumbo mortgage loan rate for your home today, before interest rates rise.  You can afford much more house with a lower interest rate.

Don’t wait, NOW is the time to buy!

 

Why Work with Mario Quintero

Think you qualify for a Miami jumbo home loan? Then shop for a jumbo mortgage with the help of Mario Quintero of STC Loans. You must secure mortgage financing to purchase your dream home. Because of this, as a trusted Miami realtor and efficient Miami mortgage broker, Mario will help your dream home become a reality.

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let me be both your trusted Miami realtor and Miami mortgage broker. Don’t attempt to negotiate on the purchase of your home on your own. Mario helps you reach the best price through his extensive negotiating skills.

 

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.

 

FHA Loan

FHA Loan

 

What is an FHA Loan?

 

An FHA loan is a mortgage insured by the Federal Housing Administration.  Consequently, as a borrower with an FHA loan, you are required to pay for mortgage insurance.  Because of this, the lender is protected from a loss if you default on the loan.

 

Why You Would Get an FHA Loan

There are many reasons why you would be interested in an FHA Loan.  We’ll discuss the top reasons why people choose FHA loans in the next post covering FHA loans.  However, rest assured, because less rigorous lending standards and lower down-payment requirements are among these reasons, FHA loans are popular among mortgage borrowers.   Furthermore, FHA loans are offered at attractive interest rates and with less stringent and more flexible qualification requirements. The FHA is an agency within the U.S. Department of Housing and Urban Development.

Why Work with Mario Quintero

Would you like to take advantage and believe you qualify for an FHA loan? Take a look at your options with the help of Mario Quintero of STC Loans. Mario has been in the home mortgage loan business since 2002. Because of this, his experience is tested and true. Mario has helped thousands of clients like you with their conventional home loan needs.

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

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.

Miami Jumbo Home Loan

Miami Jumbo Home Loan

A Miami Jumbo Home Loan

Just as when you shop for your dream home can be a bit challenging, you can say the same when entering into the financing of your new home. Many homeowners become overwhelmed when faced with having to secure financing for their new home purchase. Add to this, contractual time limits causing you to secure your financing quickly.

According to wikipedia, “In the United States,  A jumbo home loan is a home loan for an amount that exceeds conforming loan limits established by regulation. The jumbo loan limit is $417,000 in most of the United States. The limit on jumbo loans is $625,500 in the highest-cost areas.” Traditionally, the interest rates on jumbo mortgages are higher than for conforming mortgages. Most recently, however, jumbo loans carried lower interest rates than conforming loans.

Qualifying for a Jumbo Home Mortgage Loan

The underwriting process for jumbo mortgages is similar to that of a conforming mortgage, except that jumbo lenders sometimes require 2 appraisals instead of just 1.  Moreover, since they are often considered luxury properties and carry higher risks,  lenders prefer to have a higher down payment. Additionally,  lenders may require two appraisals on a jumbo mortgage loan.
In order to qualify for a jumbos home loan, borrowers must typically meet three minimum requirements:

Down Payment

Down payment requirements differ in many cases. Jumbo loans generally require higher down payments — depending on the lender, the minimum down payment could be 15%, 20% or 30% for home purchases.

Income

Lenders want to make certain your debt-to-income ratio, or the percentage of monthly income you spend on debt payments, including mortgages, student loans, auto loans, minimum credit card payments and child support, will leave you at a comfortable level, not overextending yourself.

Credit/FICO Score

Your credit score also plays an important role as you qualify for a jumbo home loan. Many lenders require a credit score of 700 or higher, a debt-to-income ratio of 43% or less, and 6 to 12 months’ worth of reserves.However, remember, the higher your credit score, the better the terms you will receive on your Miami jumbo loan. In this case, too, the stronger your initial down payment, the better your lending terms will be.

Why Work with Mario Quintero

Think you qualify for a Miami jumbo home loan?  Then shop for a jumbo mortgage with the help of Mario Quintero of STC Loans.   You must secure mortgage financing to purchase your dream home. Because of this, as a trusted Miami realtor and efficient Miami mortgage broker, Mario will help your dream home become a reality.

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let me be both your trusted Miami realtor and Miami mortgage broker. Don’t attempt to negotiate on the purchase of your home on your own. Mario helps you reach the best price through his extensive negotiating skills.

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.