Drinking and driving

Drinking and driving

 

 

St. Patrick’s Day Safety Precautions

 

Drinking and Driving – A Bad Mix

While St. Patrick’s Day always conjures up images of festive parades along with bar-hopping and beer drinking parties, unfortunately, many forego the safety precautions associated with the same. It’s great to have holidays and reasons to enjoy the festivities. But, it’s equally as important to remember to practice caution and take safety measures while enjoying your activities. Why not be proactive with some St. Patrick’s Day safety precautions?  In other words, avoid drinking and driving.

One alcoholic drink too many could have serious consequences to your life and the life of others. Is it really worth it? Isn’t it easier to hand the keys off to someone else and have them be your designated driver?

If you’re looking for some good and safe fun events to attend this St. Patrick’s Day, have a look here at the Miami New Times keeping you up to date with South Florida’s best activities.

 

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.

 

Paying More Attention

Paying More Attention

 

You Get Out What You Put In

Every so often I get stuck in neutral. I coast along, doing things the same old way I’ve always done them. Then I notice something falling off…the quality of a relationship, the amount of business I’m doing, my health, and so on.  Am I missing something?  Should I be paying more attention to something?  Now there’s a novel thought – paying more attention.

When that happens, I’m reminded of a little story I once read, that I’d like to share with you. It’s from motivational speaker Zig Ziglar who’s telling a story about his friend, Walter Hailey.

The story goes that although Hailey became a star salesman in later life, his early career as an insurance salesman was rough. He endured frustration, anxiety, slammed doors, low sales figures, and uncertainty about his future.

Paying More Attention

One day he grew so discouraged that he went to his boss and told him he was going to quit. His boss’s response? “You can’t.”

Hailey repeated that he was quitting. The manager repeated, “You can’t.”

Angry now, Hailey shouted, “Yes, I can!”

His manager replied, “Walter, you can’t get out of the insurance business because you have never really gotten into the insurance business.”

The words hit Hailey like a ton of bricks. For the first time in his life he realized that you can’t get something out of an endeavor if you never put anything into it. Or as Ziglar says, “There are many people who ‘join’ a sales organization, but never get into the business of selling.”

I’ve taken this to heart, and apply it everywhere in my life with wonderful results, not just in my business. Whenever I’m starting to get results I don’t like, I take it as a sign that I’m losing my focus. It’s a sign to start paying more attention!

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.

Celebrate American Freedom

Celebrate American Freedom

Celebrate American Freedom

Our great country celebrates Presidents Day on February 20th.  Regardless of your political party, celebrate American freedom. The United States is the greatest nation on earth and setting aside a day to recognize American presidents makes us unique.  Many countries celebrate one past leader in particular.  However, the USA recognizes them all.

Polarity exists throughout history.  During George Washington’s era, many loyalists to the English crown existed who were opposed to President Washington.  And did you know, although he is today known as the greatest president ever in the history of the USA, half the  nation was against President Abraham Lincoln and actually wanted to secede from the Union.  Ultimately, as you know, his courage in enacting laws of freedom for all cost Abraham Lincoln his life just after his second term began.

In my birthplace of Cuba, today, citizens are fortunate to even have one home in their name.  To think this great land, the United States of America, allows you to have the privilege to work hard, save, invest and succeed, all the while, protecting your ability to own a home through our great and fair laws.

 

Why Work with Mario Quintero

Are you ready to take advantage of the historically lowest mortgage interest rates ever witnessed in the USA?  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.

Baby Boomer or Millennial?

Baby Boomer or Millennial?

Baby Boomer or Millennial?

 

Are you a baby boomer or millennial?  This year there are more healthy and happy baby boomers over 65 than ever before. At the same time, there are more millennials than ever before, many of whom are well-educated, but paying the price in terms of high student debt.  Because of this, it keeps them living with their boomer parents longer.

Despite their financial and age differences, both these groups want the best for themselves and each other. For that reason, they appreciate the input of family and friends when choosing a product or service. Both prefer an enthusiastic introduction over the thought of working with the unknown.

It’s important you know I skillfully work with first-time home buyers, as well as folks who have bought and sold many homes. The next time you notice someone who would benefit from my help, call or text me immediately. I promise they’ll be delighted you introduced us.

 

Why Work with Mario Quintero

Whether you are a baby boomer or millennial, there are options available to you in terms of real estate. 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 mortgage broker

Miami mortgage broker

 

Your Credit Score is Important

As a realtor and Miami mortgage broker, I help individuals and families find the perfect home.   I also help them secure mortgage financing.

Per Freddie Mac:

If you’re thinking about buying a home, you need to be aware of your credit score – one of the most important factors when qualifying for a loan. Generally speaking, a higher score can mean a better chance of getting approved for a loan and securing a lower interest rate.

 

What is Your Credit Report?

Your credit report is a record of money you’ve borrowed, your history of paying it back and how much open credit is available to you. Lenders rely heavily on the information in your credit report as it signifies your creditworthiness and the likelihood that you’ll repay your mortgage. Your credit score helps lenders decide how likely you are to repay your debts and plays a significant role when securing a mortgage. Scores range from 300 – 850 points and are based on:

The average credit score is 725. If your score is below 725, you can still get a loan, however you will not have as many options and your rate will be higher. If your score is in the low 600s, we encourage you to reach out to a Housing Counselor today to start rebuilding your credit.

Summing it up:

  • The best mortgage terms are given to those with the strongest credit.
  • You’ll damage your credit if you don’t pay your bills on time and/or keep high credit card balances.
  • You’ll have a hard time securing a loan if you have a credit score below 650.

 

Mario Quintero – Your Miami Mortgage Broker

Regardless of your credit history,  let me help you take a look at your options. I have been in the home mortgage loan business since 2002. Because of this, my experience is tested and true. I have helped thousands of clients like you with their conventional home loan needs.

Let me be both your trusted Miami realtor and Miami mortgage broker. It is my 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 Mario@stcloans.com.

Get in Touch with Mario

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.

Buy property in Miami

Buy Property in Miami

Reprinted from Realtor Magazine

Yes, It’s Still More Affordable to Buy Than Rent

 

Buy Property in Miami

DAILY REAL ESTATE NEWS | TUESDAY, JANUARY 10, 2017
In about two-thirds of the country – or 66 percent of the largest U.S. counties – it’s more affordable to buy a home than to rent one, according to a report by ATTOM Data Solutions.

They compared the monthly rents of three-bedroom apartments to monthly payments on median-priced homes (including the mortgages, property taxes, and insurance) across 540 counties.

Read more: Housing Markets Move More Into Buy Zone
“It feels like buying a home is getting tougher and tougher from an affordability standpoint,” says Daren Blomquist, ATTOM’s senior vice president. “But the low interest rates have really helped.”

Mortgage rates, however, are expected to rise in the near future. That could dampen the affordability prospects in the future.

“Even a fairly slight increase in mortgage rates could flip the equation and make it more affordable to rent than to buy,” Blomquist says.

According to the report, rents have been surging faster than home prices in about 27 percent of the markets measured.

Buy Property in Miami

In the country’s most populated counties, the following places topped the list as most affordable to buy than rent: Cook County (Chicago), Ill.; Maricopa County (Phoenix), Arizona, Miami-Dade County, Fla.; San Bernardino County, Cal. in inland Southern California; Clark County (Las Vegas), Nev.; Tarrant County, Texas in the Dallas metro area; Wayne County (Detroit), Mich.; Broward County, Fla. in the Miami metro area; Bexar County (San Antonio), Texas; and Philadelphia County, Pa.

 

Why Work with Mario Quintero

NOW is the time to buy in Miami-Dade County, as per the above piece by Realtor Magazine. 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 job loss preparation

Miami job loss preparation

Miami Job Loss Preparation

 

Are you prepared?

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

Here are 3 advice tips from financial experts:

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

 

Why Work with Mario Quintero

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

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

 

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.

Miami Reverse Mortgage

Miami Reverse Mortgage

 

Benefits of a Miami Reverse Mortgage

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

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

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

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

Why not take advantage of this?

 

Why Work with Mario Quintero

Would you like to take advantage of the many reverse mortgage loan benefits available? Think you qualify for a reverse mortgage? Have a look at your options with the help of Mario Quintero of STC Loans. Mario has been in the reverse mortgage business since 2002. Because of this, his experience is tested and true. Mario has helped thousands of clients secure and supplement their retirement through a reverse mortgage.

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

 

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.

 

FHA Loan

FHA Loan

 

What is an FHA Loan?

 

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

 

Why You Would Get an FHA Loan

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

Why Work with Mario Quintero

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

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

 

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.

Conventional home loans

Conventional home loans

Conventional Home Loans

Despite talk of interest rates increasing, following the recent general election, there’s never been a better time to buy or refinance a home. We have access to all the best and most competitive programs available.  Because of this, we can offer you a selection of different conventional loan programs with the most favorable terms.

Per bankrate.com,  “A ‘conventional loan’ is any mortgage not guaranteed or insured by the federal government, but which is within the lending limits set by Fannie Mae and Freddie Mac.”  Most home loan borrowers in the USA fall within the criteria of needed a conventional mortgage loan.  This is the case whether it’s a home purchase or a refinancing option.

 

Conventional Loan Options

The following different options are available for conventional loans.  Depending upon your particular need, choose which one fits you best:
Fixed-rate loan: Your payment remains the same throughout the length of your loan. This is an excellent choice if you plan to live in the home for many more years.
Adjustable-rate loan: Your rate will adjust and your payments will fluctuate based on changes in the market. This is a good option if  you don’t plan to own the home for long.  It’s a good option to take advantage of lower interest rates in the first few years of your loan.
Interest-only loan: You only pay the interest on the principal balance of the loan for a certain period of time.  This is a good choice if you are looking for more flexibility.  Your initial payments will be lower the first few years of the loan.

 

Why Work with Mario Quintero

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

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

 

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.