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.

Buy don't rent

Buy don’t rent

The Power of Words and Buying vs. Renting

Sometimes people say things to you at just the right time, and they change your life forever. Perhaps it was a coincidence, perhaps it was part of a mysterious master plan. Perhaps everyone you meet in life, you meet for a reason. You learn something from that person, and sometimes the lesson is quite stark. Here’s an example of what I mean:

I was 13 years old, trying to convince my 8-year-old brother to skateboard down a small hill. It was taking quite a while as my brother was really nervous about it.

We were at a big, public park, and nearby there was an old woman who looked about 75 years old. She was sitting on a bench watching us.  My brother was practically crying and I was embarrassed that he was being such a wimp.

He kept saying, “I might crash. I’m afraid!”  I was really putting the pressure on when the old woman got up and walked over to us. I thought she was going to tell me to lay off.

Instead, she raised her fist defiantly at my brother and said, “So be afraid! And then do it anyway!” He swallowed and took off. He did fine.

I have never forgotten that moment. It was a revelation that it’s not about being unafraid. It’s about being afraid and doing it anyway.

Can you remember a moment like this, when your perspective changed all at once because of something someone said to you?  I can tell you that your perspective will change when you become a homeowner, too.  Buy don’t rent.  Experience the pride of ownership in a home.

Buy Don’t Rent

Sometimes first time buyers are afraid to buy a house.  I experience it all the time.  But you know what?  It’s better to buy and own than to rent and give your money to someone else.  Pay yourself first.  Buy don’t rent.

 

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.

Miami Buying vs. Renting

Miami Buying vs. Renting

 

Miami Renters are Becoming Miami Buyers

(reprinted from CBS News)

After years of price hikes, it appears South Florida’s rental market is entering a new era of decline.  Due to a number of issues, including thousands of new rentals opening in Downtown Miami, the market is dropping. It means good deals for renters, tough times for landlords – and it’s a bizarre turn of events for Miami Beach.  It appears Miami renters are becoming Miami buyers.

In 2012 the average rent was $2,225. Every year it has risen roughly a hundred dollars. But in late 2016, the rental market suddenly becoming flat.

Why so many rentals? During the recession, banks wouldn’t finance condos. Rentals on the other hand were a gold mine. Developers went where the financing was.

Remember all those people who were foreclosed on during the recession and became renters? The restriction for them to get another home loan, roughly 5 to 7 years, is ending.

With this rental market changing, it’s important for renters to consider using a realtor to haggle price. Typically you only see what landlords are asking for in rent. Realtors have access to data that shows what renters are actually paying. It can knock your rent down by as much as $6,000 a year!

Why Work with Mario Quintero

Interested in investing in your future and making a Miami home your permanent residence?  Whether you want to switch from renting to buying 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.

Miami home inspections

Miami home inspections

 

Miami Home Inspections

 

One of the new services we are offering under our marketing & listing plan is to pay in advance for Miami home inspections.  This can be referred to as a pre-listing home inspection.  This will be at our expense.   We will review this inspection together with the seller.  In this way, we may take care of many of the small items that can surface as a surprise thereby, reducing the potential for additional price negotiations.

 

A Pre-listing Home Inspection

Here are a few examples of what happened in our most pre-listing home inspection.   This Miami home inspection concluded the following items had issues: termite infestation, grounding of the pool pump,  minor cracks in the cement around the pool deck, adjustments to the electrical panel, a loose connection on the washing machine drain, peeled paint in 2 bathroom, and changing of the ceiling lamps.  The seller chose to give a credit for the termite issue.  The seller corrected the grounding of the pool pump, the minor cracks in the cement around the pool deck,  the adjustments to the electrical panel, the washing machine drain, the peeled paint in the two bathroom walls and changed the ceiling lamps.

The latter changes were critical, since the potential could be financing with FHA or VA.  All of those issues would have delayed the financing process.  Additionally, they really had to be corrected anyway.

As you can see, the seller had their pre-listing home inspection.  The seller is now able to take care of  many of the corrections  and therefore, eliminate potential problems when the future buyer has completed their home inspection.

Our seller was very happy with the results of this pre-listing home inspection.  Moreover, the seller was impressed with our expertise.  We are now ready to sell the home.

 

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.