A Sign of Maturity

A Sign of Maturity

Championship Behavior

Have you ever been in an unfair situation you didn’t like, and didn’t know what to do about it? A good example is when your boss calls you on the carpet for some sort of behavior.  When you try to explain, your boss isn’t interested. Now what do you do? You simmer and stew, right?  A sign of maturity or lack thereof, is what follows.

A Sign of Maturity

Life is full of unfair situations like this. In my opinion, a measure of maturity is how you choose to handle these situations. One method I use to push through life’s unfairness is called Championship Behavior. It’s a concept that has gotten me through many tight spots and funks, spurring me to positive action instead of putting me into a negative cycle of reaction.

Champions push through difficult circumstances to succeed. We can all use that same championship behavior to push through difficult circumstances in our daily lives, whenever a situation seems unfair or challenging. For a teenager, that might be when a friend spreads a bad rumor. To an adult, that might be when a boss calls you out unfairly. For a person walking down the street, that might be getting splashed by a passing car.

Championship Behavior is not about reacting quickly. It’s about reacting correctly. It’s about deciding how to handle challenging situations rather than simmering and stewing. It’s more about the decision than the action. How do you get your boss will hear you? How do you best handle school bullying? What can and can’t be done about a problem you have no control over? Often Championship Behavior takes time to figure out, but once you know what you need to do, you have a greater sense of calm and control.

Why Work with Mario Quintero

Whether you want to buy for the first time, refinance your existing loan or even purchase an investment property, TODAY is your moment. 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.

Among Miami's Top Realtors

Among Miami’s Top Realtors

 

Among Miami’s Top Realtors, Working for You

I spent the last week at the International ReMaxx conference at the Mandalay Bay Hotel in Las Vegas, Nevada.  As being among an elite group of Miami’s Top Realtors, I work for you.  This past week was no exception in engaging with the global elite of one of the top real estate firms to better improve my services for you.

From motivational speakers to taking digital classes, aimed to enhance all I can offer to you, my valued client, I remain true to my commitment to help you in all your real estate needs.  Inasmuch, I can also help with reverse mortgages and all types of mortgage lending, from conventional to FHA to jumbo and even VA loans.  We are your one-stop destination for all things real-estate related in the entire state of Florida.

To learn more on how I can enhance your overall real estate experience, please visit my website at www.stcloans.com.

 

Why Work with Mario Quintero

Whether you want to buy for the first time, refinance your existing loan or even purchase an investment property, TODAY is your moment. 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.

Keep Calm and Carry On

Keep Calm and Carry On

Keep Calm and Carry On

As we march into spring, it seems that everyone gets busier, more frenetic. Like the birds and the bees, we’re inspired to improve our nests and bring home the nectar to our family hives. As the pace picks up, I’m reminded by this story to keep a calm head:
Once a wise man was walking with a few of his followers. They saw a small lake in the distance, and the wise man said to one of his followers, “I am thirsty. Go get me some water from that lake.”

The follower eagerly ran to the lake. But there were people in it, splashing around, making the water cloudy. The follower shouted that a very important man wanted to drink the water and everyone should get out, but no one listened. Feeling ashamed, he returned to the wise man, complaining “The water is too dirty, and no one will listen to me and get out.” The wise man nodded, but said nothing.

After an hour, the wise man asked the same follower to go back to the lake and get him some water. This time the follower found that everyone had left, and the silt had settled down. The water now looked fit to drink, so he brought some to the wise man.

The wise man looked at the water and said, “See what you did to make the water clean? You let it be. Your life force is like the water. When you are frantic and anxious, your spirit becomes cloudy and distasteful. Just let it be. Things will become clearer. It is effortless.”

Why Work with Mario Quintero

Whether you want to buy for the first time, refinance your existing loan or even purchase an investment property, TODAY is your moment. 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.

Reverse Mortgage for New Home Purchase

Reverse Mortgage for New Home Purchase

 

Reprinted from Reverse Mortgage Daily

Reverse Mortgage for New Home Purchase…

 

Reverse mortgages have many different uses which can accommodate a variety of your personal needs.  However, one particular usage is often overlooked.  This is for you to be able to use a reverse mortgage for a new home purchase.

At the most basic level, the major benefit of this tool is that it allows homeowners age 62 and older the ability to obtain a reverse mortgage.  And, then buy a new home all within a single transaction. But there are also other benefits to this unique product which may not seem so obvious.

“In terms of coordinating the use of debt for housing, the ability to not make a monthly mortgage payment reduces your fixed costs. It also provides you potential relief for the need to spend down investments,” according to the experts.

The HECM for Purchase could also allow you the opportunity to downsize, or even upsize, into a new home during retirement.

If you downsize, experts note this tool could also free up more assets from the sale of the previous home, which could then be invested for future use.

If you’re upsizing, and you have the financial resources to manage this, experts advise this could allow for a more expensive home.  This is key particularly when you consider the potential difficulty of obtaining a traditional mortgage after retirement.

 

Why Work with Mario Quintero

Is a reverse mortgage right for 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. 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.

 

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.

 

New Year's Resolutions

New Year’s Resolutions

 

New Year’s Resolutions

It’s still early on in the year.  How are your new year’s resolutions coming along?  Most Americans make these resolutions hoping to bring about significant change in their lifestyles.  But usually, by the 3rd or 4th week of January, they’ve forgotten about them and return to their regular habits.  They fail to recognize the power such changes in habits will make in their lives.

Adults who change their lifestyles can decrease their chances of developing heart disease later in life, according to a study conducted by the Northwestern University Feinberg School of Medicine.  Researchers collected data on lifestyle habits of approximately 5,000 participants between the ages of 18 and 30, then analyzed the status of their health 20 years later.

They found that 25 percent of participants who had adopted at least one healthy habit (maintaining a healthy weight, not smoking, exercising etc.) had cut their risk of developing heart disease.  The 40 percent who had dropped one or more healthy practices had actually increased their chances of cardiac problems.

The takeaway:  Dropping unhealthy habits at any age can have a positive effect on your heart health.  So don’t assume you can’t help yourself just because you’ve pursued the wrong patch up until now.

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 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.

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.