Hurricane Irma donations

Hurricane Irma donations

 

At a Time of Need…

Hurricane Irma

Hurricane Irma has devastated the Florida Keys up along the west coast of Florida.  Never has the great state of Florida and Floridians experienced such a time.  For such a time as this, at a time of need as this, is when we all have to pull together and help our fellow man.

As is typical with hurricanes, they take twists and turns, develop and travel in different directions until they finally hit their entrance point.  Hurricane Irma was no exception and followed this very track.  Initially, it was supposed to impact Miami as a Category 5.  Instead, it took as last minute turn to the west, impacting the Florida Keys beyond recognition, along with devastating the once beautiful coastal communities along the west coast of the state.

Strock & Tanner Mortgage/STC Loans is collecting canned goods and water for the displaced citizens of the Florida Keys. Between now and September 22nd, you may drop off whatever you can to help offset their losses. STC Loans is located at 8900 SW 117 Ave Suite C101. We feel so truly blessed to have seen the reaction of our fellow Miamians contributing to this effort.   They are dropping off different types of foods they fortunately did not need during #hurricaneirma.

At this time of need, for such a time of this, please consider contributing whatever you can to help thousands who have lost everything.

Why Work with Mario Quintero

Despite the threat of the occasional hurricane, it’s never been a better time to invest in property in South Florida.  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 sell or buy for the first time, refinance your existing loan, 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 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,

Because of this, 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!

 

Celebrate Labor Day

Celebrate Labor Day

 

Labor Day History

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!

 

Back to school

Back to school

Back to School Traffic Safety Tips

It’s that time of year again, back to school. As we’re all in the process of making sure we buy the correct school supplies for our kids, selecting uniforms, adhering to teacher requirements, and overall making sure all is in order, there’s one more very important aspect to keep in mind. Back to school traffic safety tips are key to ensuring the safety of everyone on the road during daily drop-offs and pickups.

Here are some back to school traffic safety tips to consider:

  • Watch school zone speed limits: 15 MPH is the limit, folks. Stay at this level or face getting a traffic ticket.
  • School Buses: flashing red lights on a school bus mean you can’t pass on either side of the bus. You must STOP. Bus drivers have a way to report your license plate to authorities so just stop.
  • Crosswalks: whether or not a crosswalk has a cross guard, obey school crosswalks. If you were to hit a pedestrian, stronger penalties than a mere traffic ticket will apply.
  • Drop off and Pick up locations at schools: use the school’s designated drop off and pick up areas in order to ensure the maximum safety for everyone.

Get in Touch with Mario, Your Miami Realtor

Back to school season is a great time to buy your family a new home. 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!

 

To Buy or to Rent in Miami?

Buy or rent in Miami?

 

To Buy or To Rent in Miami?   That is the Question…

Real estate is tricky especially if you happen to be a picky person. This is proven to be true because picky people have all these ideas in their minds of what they want and hope they can match to their taste. Buying versus renting can be a strategy, depending upon your objectives.  So, the question remains, do you buy or rent in Miami?

As a homeowner, you need to think about how long you are anticipating on staying in the house.  Also, how much maintenance will the property require?. Renting a house is always a popular option because you are not stuck permanently. However,  the downside here is that you have monthly or recurring payments to follow with no vested ownership. On the other hand, buying a house is great, too, because if you have a family and are looking to settle down this is probably the better option for you.

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 sell or buy for the first time, refinance your existing loan, 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 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,

Because of this, 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!

 

 

 

 

 

Real Estate Slump

Real Estate slump

What Summer Slump?

Real estate in South Florida fluctuates depending on the season. While summer is considered to be slow due to the weather here in Miami, there’s no summer slump here.  We’re as busy as ever in the ReMaxx/Quintero Team.  There’s no real estate slump in our office.

There are key factors to consider whether you are looking to buy or rent a house. The first and most important one is location.  As the saying goes, “location, location, location”.  We cannot stress enough how important it is to find a location convenient for you, where real estate will continue to appreciate.  Whether the purchasing process takes one day or one year, it makes a difference knowing that you will be comfortable in the house of your dreams.

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 sell or buy for the first time, refinance your existing loan, 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 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,

Because of this, 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!

USA Real Estate Market

USA Real Estate Market

The USA Real Estate Market is Now More Valuable Than Ever

partial reprint from CNBC.com

A home is only worth what someone is willing to pay for it.  And apparently, that tab just hit its highest level in history.  Without a doubt, the USA real estate market is more valuable than ever.

The median value of all homes in the United States in June surpassed $200,000. This is up 7 percent from a year ago, according to Zillow, a real estate listing company.

Valuing homes nationally is a tricky business because so many factors play into that value, including location, condition, lot size, aesthetics, and, yes, even Feng Shui. And there is no shortage of economists and data companies and real estate sale sites offering their perspective on current home values.

The National Association of Realtors has reported the median sale price of a U.S. home at well over $200,000 for more than a year, but that measure reflects only homes sold, not every house in every neighborhood that exists in America.

That sale price has shifted higher not just because of inherent home value but because of the mix of homes selling. Currently, more expensive homes are selling because there is a severe shortage of low-priced starter homes for sale. Higher volume on the pricier end shifts the median higher. If rental landlords suddenly dumped a few million low-priced homes on the market, and they sold fast, that median would shift lower immediately.

Estimating values is complicated, but the reason behind the rise in those values is simple: short supply. The inventory of homes for sale was down more than 11 percent in June, year over year, according to Zillow,

“The national housing market remains red hot and shows no signs of slowing.”

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 sell or buy for the first time, refinance your existing loan, 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 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,

Because of this, 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!

 

Selling Real Estate in Miami

Selling Real Estate in Miami

 

Selling Your Home in Miami

Are you looking to sell your property? Selling a house is much more work than buying one. Just ask anyone who has done it. If you’ve never sold a home before, you may be surprised at how difficult the process can be. Whether it’s figuring out the correct listing price, navigating the different types of contracts,  it’s just not an easy process. Choosing the right realtor will make all the difference.  Because of this, you must choose a realtor who you trust. Ask their advice through each step of the process and leverage their experience. A good realtor will keep you focused and stick to those aspects which will help you sell your home faster and for top dollar.  And in a market as competitive as Miami, selling real estate in Miami can be challenging.

 

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 sell or buy for the first time, refinance your existing loan, 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 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,

Because of this, 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!

 

 

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!