Hot Miami Real Estate Market

Hot Miami Real Estate Market

Sizzling Hot Miami Real Estate Market

Just when everyone thinks the Miami real estate market is about to slow down, the very hot Miami real estate market continues to sizzle.   Indeed, the summer’s hot but it’s not because of Miami’s daily 90 degree plus hot days.  Rather, it’s because the Miami real estate market continues to sizzle…

Because the Miami rental market continues to be so high, there’s no doubt buying your own property is the best solution to the ever high local rental market.  Add historically low interest rates to the mix, and voila, you have a no-brainer as to why it’s best to buy rather than rent.

Why Work with Mario Quintero

Are you in the market for a property? Are you having trouble finding an affordable property? 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!

 

man cave ideas

Man cave ideas

 

Dad’s Doman – A Man Cave

So have you picked out a special gift already?  Thinking of the perfect Father’s Day Gift for Dad?  No need to scramble at the last minute.  Get inspired…how about a Man Cave?  Are you looking for some man cave ideas?

No longer is a mega flat screen tv or a pool table the ultimate Father’s Day gifts.  Today, for those of you who want to give your dad the recognition he deserves for working so hard, why not create the perfect man cave?

Man Cave Ideas

Here are some spectacular ideas for the perfect man cave gift for dad this year:

  • a custom-made bar
  • a home theater entertainment system with gaming capabilities
  • a home gym
  • fire pit with a grill master barbecue
  • wine cellar

 

Regardless of what gift you choose to give your dad, remember to say thank you to all the dads who work tirelessly to make every detail perfect for their families.

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. 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.Get in Touch with Mario, Your Miami Realtor

Get in Touch 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. I’m Mario Quintero, of STC Loans, 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.

Happy Father’s Day!

 

 

 

Miami home loan applications

Miami home loan applications

courtesy of CNBC

Home Loan Applications Are On the Rise

Homebuyers and homeowners saw a rip in the ever-rising interest rate continuum last week and jumped right in.  Miami home loan applications are on the rise.

Interest rates fell last week to the lowest level since November, and the seasonally adjusted mortgage volume jumped accordingly, up 7.1 percent, according to the Mortgage Bankers Association. Still, volume was 16 percent lower than the same week a year ago, when rates were lower.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances of $424,100 or less decreased to 4.14 percent, from 4.17 percent, with points increasing to 0.34 from 0.32, including the origination fee, for 80 percent loan-to-value ratio loans. As a reference point, mortgage rates jumped from 3.77 percent to 4.16 percent in the two weeks following the election of Donald Trump last November.

Loan applications to purchase a home jumped 10 percent from the previous week, seasonally adjusted, and now stand 5.5 percent higher than one year ago. Purchase volume has been decidedly weak this spring, as home prices overheat due to the tight supply of homes for sale.

The refinance market got a little boost from low rates as well last week, increasing 3 percent. Refinances are extremely rate-sensitive, and rates were below 4 percent last year. Refinance volume remains 34 percent lower than one year ago.

Miami Home Loan Mortgage Applications

Miami is no different. We’re seeing unprecedented sales in the Miami housing market.  Despite the increase in housing prices, the Miami housing market remains one of the hottest in the country.

 

Why Work with Mario Quintero

Have you locked in your home loan application yet?  What are you waiting for?   I help people reach their goals. 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!

Memorial Day Pool Party

Enjoy Memorial Day – The Miami Housing Market is Hot!

Memorial Day is one of the most anticipated and celebrated holidays in the USA. It represents the kickoff to summer. It signals the summer barbecue grilling and pool season is upon us. Images of weekend cookouts and pool parties create nostalgia and the desire to overall connect with friends and family.  Wouldn’t you love to be hosting one of these cookouts and pool parties at your home?  Folks, the Miami housing market continues to sizzle.  Why not get in on the action?

“The Housing Market Has No Where to Go But Up”

According to this piece by Marketwatch, published just yesterday, May 25th,  the columnist Jeff Reeves tells us,  “And after looking at the past few months of data, I remain convinced the housing market has nowhere to go but up.”  So, what are you waiting for?  So many have lost great opportunities waiting in the sidelines thinking (rather, hoping) the housing market was about to correct.  These same people are calling me looking to finally benefit from the low-interest scenario allowing them to purchase their dream home.

Why Work with Mario Quintero

Are you in the market for a property?   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!

What's Your Value

What’s Your Value

The Value of You

I love this story, because it reminds me not to compare myself with others, but to value myself by my own standard.  So, what’s your value?

A popular speaker started off a seminar by holding up a $20 note. A crowd of 200 had gathered to hear him speak. He asked, “Who would like this $20?”

200 hands went up.

He said, “I am going to give this $20 to one of you but first, let me do this.” He crumpled the money up into a wad.

He then asked, “Who still wants it?”

All 200 hands were still raised.

“Well,” he replied, “What if I do this?” Then he dropped the $20 note on the ground and stomped on it with his shoes.

He picked it up, and showed it to the crowd. The money was now crumpled and dirty.

“Now who still wants it?”

All the hands still went up.

“My friends, I have just showed you a very important lesson. No matter what I did to the money, you still wanted it because it did not decrease in value. It was still worth $20. Many times in our lives, life crumples us and grinds us into the dirt. We make bad decisions or deal with poor circumstances. We feel worthless. But no matter what has happened or what will happen, your value is what it was before that thing happened to you. Circumstances make you look a bit different on the surface, but you are as valuable as ever. Don’t ever forget

 

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. I’m Mario Quintero, of STC Loans, 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.

The Perfect Gift for Mom…

What’s the best advice Mom ever gave you?  Whatever it was, I bet it saved you much trouble and heartache.  On this Mother’s Day, we celebrate our moms.

So have you picked out a special gift already?  Or are you like the many who scramble at the last minute to get that perfect gift for mom?  Ideas for gifts could range from flowers, to jewelry, to a handmade card, a gift card, taking mom out to eat, spending time with mom.  Or, if you’re like some pro-athletes, you could even buy mom a mansion!

Did you know?

In today’s day and age, believe it or not, according to Jessica Lautz, the managing director of the National Association of Realtors in this recent publication,  “Single mothers outnumber single fathers, and they might be more likely to seek out stability through real estate.”  While this may be shocking to you, it’s a well-known fact women are the decision makers when buying homes.  If married, husbands usually want to please their wives and let them not only pick out the best home for their family, but even let them decorate and furnish the same as their tastes choose.

Personally, I could not agree more.  I let my wife, Claudia, take care of all out home’s decorating details.  And I must say, she does a wonderful job at this.

So, once again, on this Mother’s Day, thank you to all the moms who work tirelessly to make every detail perfect for their families.

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. I’m Mario Quintero, of STC Loans, 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.

Happy Mother’s Day!

 

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Cinco de Mayo

5 de Mayo in Miami

5 de Mayo in Miami offers visual images of much fun and celebration. Who doesn’t enjoy going out for drinks on a festive holiday together with friends?  This year, 5 de Mayo falls on a Friday night.  Talk about the most fun of weekly happy hours!

While all of this is good and true, it’s important to also keep safety in mind.  Driving under the influence claims the lives of hundreds of people each year in Florida.

In 2014, in Florida alone, there were 31,783 arrests for driving under the influence, 797 deaths associated to DUI’s, 27% of all traffic accidents. In fact, DUI’s represent one of the leading causes of motor vehicle deaths every year. Is a 5 de Mayo DUI worth it?  Ruining your life dreams for an extra sip of that drink is not worth it, trust me…

 

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!

Miami Home Closing

Miami Home Closing

 

Miami Home Closing Celebration

The Mario Quintero team at Re/Maxx held a Miami home closing celebration this morning for our Re/Maxx buyers Julio & Meylin. STC Mortgage took of the financing. As you can imagine, the family is very happy with their new home purchase. A very special thanks goes out to our team members. Laura Menendez, senior loan processor/originator, handled all the financing details.  Jackie Velazquez, Re/Maxx transaction coordinator arranged for everything to fall into place.   And the entire team at C and C Title Agency achieved a smooth, hassle-free closing.

 

Why Work with Mario Quintero

Just as I helped Julio and Meylin find their perfect and get the most competitive interest rate for their home purchase, I can help you, too.  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!

No PMI Loans

No PMI Loans

From Realtor.com

Avoiding PMI Without the 20% Down Payment

No PMI Loans

Did you know you don’t have to put 20% down to avoid PMI, or private mortgage insurance?  Indeed, you may qualify for no PMI loans, without the 20% down payment.

What is a Conventional loan without PMI?

When you fall short of a 20-percent down payment on a conventional mortgage loant, you must pay for private mortgage insurance, or PMI. Although you can’t avoid the coverage which protects your lender in case you default, you can prevent monthly payments. Some conventional lenders offer alternative methods of paying PMI premiums to help keep your monthly payments low. You may also eventually qualify to cancel PMI, with your lender’s permission.

Conventional loans offer better interest rates and repayment terms in comparison to government-backed loans. Conventional financing requires good credit and a healthy debt-to-income load. If you lack this criteria, which is set by Fannie Mae, you can turn to financing backed by the Federal Housing Administration or the Department of Veterans Affairs, provided you are an eligible veteran. You can also opt for a conventional loan with PMI. Typically, you pay the annual PMI premium in monthly installments, along with the mortgage payment.

You can forgo monthly PMI installments by increasing your conventional loan’s interest rate. Known as lender-paid PMI, the lender covers the PMI premium for you and passes the cost onto you by increasing your interest rate. Your rate generally increases by three-quarters of a percentage point to a full percent, according to Realtor.com. Because you keep the increased interest rate for the duration of your loan, you can ultimately end up paying more over the life of your loan with lender-paid PMI.

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.

Forgotten Passwords

Forgotten Passwords

Forgotten Passwords

Several years ago, a young man named Maruicio Estrella had one of those inspirational moments that makes so much sense in hindsight.

Due to a recent divorce in his life, he found himself in an angry depression. The final straw seemed to be one day when he walked into his office and was faced with a “Your Password Has Expired” message on his computer.

Remembering that a former boss had combined to-do lists with passwords, he had a sudden insight. He would use a password to change his life.

He came up with the password Forgive@h3r. The constant reminder over the next 30 days as he typed in his password every morning seeped into his subconscious. It had a healing effect on him.

At the end of 30 days, he changed his password to Quit@smoking4ever. According to Estrella, he quit smoking overnight.

Here are some other passwords he has used since, and his results:

  • Save4trip@thailand. I went 3 months later.
  • Sleep@before12. It worked. Got lots of sleep.
  • No@drinking2months. It worked, felt great!
  • Eat2times@day. Never worked, still overweight.
  • Get@c4t! It worked…we have a cat.
  • Facetime2mom@sunday. It worked. I talk with my mom every week.

What kinds of goals can you put into your passwords, and possibly into your life?

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

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.