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03/30/2019

LIVING THE AMERICAN DREAM.

Home ownership is a core component in establishing and living the American Dream. For most people, the ambition to acquire their own home is their most important goal, surpassing all others, and it is the primary influence and motivation for how they conduct their business, financial, and personal lives.
Most people will have to finance their home ownership by obtaining a home mortgage from a lending institution. The purpose of this article is to guide a potential homeowner through all the steps that must be taken in order to qualify for a home mortgage loan.
Before a prospective homeowner can begin the quest towards purchasing a home, there are many factors to consider, most of which are determined by some basic facts and assumptions.
How big is your family? What neighborhoods are you willing to consider?
Are schools a factor? Is a single-family home a requirement or is a condo an option?
Based on your income and assets, what kind of home can you afford?
For some home buyers, living in a specific neighborhood takes precedence above all else, whereas for others, the home itself is more important. In a perfect world, you’d find the ideal home, in your neighborhood of choice, at a price you can afford, but realistically, most people will have to make some compromises.
Make a list of the features you want in a home– the number of bedrooms, a fenced yard, granite countertops, a garage, etc.–and then rank them in terms of priorities. Decide whether the house or the neighborhood matters more to you, or whether you’re willing to make a longer commute in order to own a home with a larger lot.
These kinds of decisions need to be made before beginning the search for your new home. Having a Realtor set up a MLS portal is a great resource to view the most up to date information on the properties that are on the market. I found that the biggest challenge in today’s real estate market is the number of buyers compare to the number of available properties.
What questions do you have? My email address is [email protected], send me your questions.

09/08/2018

You found the perfect house, if it only had a pool…. then add it with a new renovation loan.



Overview of this loan:

Need 60 days to close.

Loan amounts up to $453,100.

Only 3% down for first time home buyers, 5% down for repeat buyers!

Down payment is based on the acquisition cost = price of house + cost of the pool.

This renovation loan can be for just about any reason….add an extra bedroom or repairs, etc.

Call or text me at 904-434-0908 or send me an email at [email protected] with any questions.

08/16/2018

Many homebuyers think they don't need to hire an agent when building a new home. After all, you're buying directly from the builder and they already have contractors, lenders and inspectors. Why should someone else be brought into the mix?

The truth is, buying any home without an agent can be a costly mistake. It can mean paying more than you should, missed opportunities for upgrades, contract errors that aren't in your favor or a delayed closing.

Thinking of buying a new construction home? Here are three reasons to have an agent on your side before visiting the sales center.

1. Expert Negotiation: While their advertising would have you believe otherwise, builder's prices aren't always set in stone. Agents can likely get the price dropped slightly or have a few upgrades thrown in.

2. Preferred Vendors: Your builder might have an affiliated mortgage lender or title company, but they might not offer the best deal. Shop around, and what's better than a vendor your agent already knows and trusts?

3. Guidance and Support: The home buying process can be complicated, with lots of twists, turns and steps along the way. When buying new construction, you also have design reviews, electrical work, and other construction needs. An agent can guide you through all of these, making sure your purchase stays on track, on time and on budget from start to finish.

It's important to note that while you may be working with an agent or representative from the builder, they may not have your best interests at heart. Enlisting your own trusted agent can give you an advocate from the very first meeting to closing day.

Call or text me with any questions concerning getting a mortgage or real estate at 904-434-0908 or email me at [email protected]

05/19/2018

"Got-No-Job" You may be able to still get a Mortgage
That’s right!

Here are 3 scenarios that a mortgage loan expert that I know had. The catch is you need assets. Typically around $100,000. or more.

Here are the scenarios that recently utilized this program:

• A recently unemployed woman inherited a large lump sum of assets that was converted into cash flow for mortgage approval.
• A man retired and chose as part of his retirement to receive a lump sum of cash that was converted into cash flow for mortgage approval.
• A couple relocating to start a new business in Jacksonville sold their home and used their proceeds for the down payment and the remainder converted into cash flow for mortgage approval.

If you have any real estate questions call or text me at 904-434-0908.

Make it an awesome day!!

04/11/2018

It is a Sellers’ market.

We are in a sellers’ market and many buyers are finding it very difficult to have their purchase offers accepted.

In my real estate business, I work with buyers and sellers and when it comes to buyers that are looking to purchase properties under $300,000 and if the property is priced in accordance to the condition and the location of the property I have concluded the following,

• If at all possible you must make offers on the same day the property becomes available on the market. If you “sleep on it” you will probably lose.
• Rest assured, most contracts are contingent for a 10 day time period for inspections.
• Offer full price or more if the property is worth it (an experienced and professional Realtor can provide you with the market information). Understand that mortgage money is approximately $5./1000 so offering $5,000 above asking price equates to about $25./month in payment. Maybe cheap insurance to nab the house you really like.
• It is very important that you as a buyer have a Mortgage Preapproval letter attached to the offer because most sellers will not even look at an offer without a pre or an approval financial letter.
• The toughest part is to depart from the traditional and conventional wisdom that the best deal is to offer below the asking price and to work to an agreeable number.
• In today’s market, a properly price property will have multiple offers and don’t be surprise if the multiple offers are the same day it becomes available through a Realtor.

Please, contact me with any questions.
From your Jacksonville Latino Realtor, Pedro Alicea,
(904) 434-0908, [email protected]

04/05/2018

Here is a line of Credit for Builders and Investors!

If you are a Builders or Investors you just may qualify for a line of credit Up to $10MM.

Rates start at 6.99%

Simple formula: 5 x liquid assets. = Line of Credit

Great for builders to build spec homes, scattered lot or 1-5 properties at a time.

Investors to buy and/or Fix & Flip properties with no count limitations.

In today's competitive environment one of the most powerful tools that a real estate investor must have is the ability to have the MONEY that is needed so you can close within days of having an executed purchase contract.

In the multiple offer environment that we are in, making an offer that includes closing within 7 to 10 days can be the determining factor as to who wins the property.

03/21/2018

Buying a Home as an Unmarried Couple?

1) Sign a “Prenup” for the house. Specifically a “Buy Sell” agreement. Best to have a lawyer write it up.

2) Choose the right way to take title of the property. The Title company closing on the deal can explain your choices in detail

If you have real estate questions call or text 904-432-0908.

Pedro Alicea, A Jacksonville Latino Realtor and founder of JAX HEROES where I give back 25% of my earn commission to Jacksonville's HEROES.

03/17/2018

More and more seniors are downsizing or upsizing their homes with a reverse mortgage than ever before because of the financial benefits.

This popular strategy allows a senior to buy a home with a large down payment and to avoid making any mortgage payments so they can safeguard their assets and use their income to enjoy life or, they can have a special savings account set up so if they came to a point in their life that they needed home nursing care or go to a nursing home the funds would be available. Instead of spending thousands on a Long Term care insurance policy and end up not needing it and not getting the benefits of the money that was used to pay for the Long-Term Care Policy.
Of course, real estate taxes and homeowners insurance will still need to be paid.
There are many other financial strategies and benefits of using a reverse mortgage.
If you would like an easy-to-understand slideshow illustrating some of the benefits of a Reverse Mortgage please let me know. I will send it to you.
Call me or text me at 904-415-5166 or send me an email at [email protected].

Pedro Alicea,
The Latino Realtor at Property Management Partners & Associates Inc.

03/16/2018

GIVING BACK 25% TO
JAX HEROES.
I WILL GIVE BACK 25% OF MY COMMISSION TO
Any first responders including Firefighters, Law Enforcement, Military (active, reserves & veterans), Healthcare Workers, EMS and Teachers that gives me the privilege to work on their behalf in purchasing or selling their property.
Example: You purchase a property for $250,000, my side of the real estate commission can be as high as $7,500 X 25%=$1,875 to you.

I will do the same when I list and sell your property.

New Construction Home
As a Realtor on the purchase of a new construction home I will give back to you 1% of the purchase prices.
Example: You purchase a new construction for $250,000 X
1%= $2,500 that you can use for your closing cost.

OUR STORY
We are retired Military. We know what it takes to serve. We are here for you. We will provide extraordinary services to all those that serve or have served our nation, our communities, our neighborhoods.

Provided by
Pedro Alicea, phone # (904) 434-0908
Email: [email protected]
With
Property Management Partners & Associates Inc.

02/03/2018

One of the biggest challenges that a number of home buyers have in today's market is qualifying for a loan. The buyer has the income, has the savings to put a good down payment but not the credit score. Things like bankruptcy, home foreclosures, car repo, maybe a divorce or a medical situation or no credit establish will lead to a low credit score. So what will most of these folks do? They rent and pay someone else’s mortgage because they think they have no other choice.

Now they do have another choice, there is a new type of residential lease program designed for people who want to buy a house today, but don't currently qualify for mortgage financing. For aspiring buyers who are committed to repairing their credit, this new residential lease program provides the opportunity to lock-in a price on your dream home, rent it for 6, 12 or 18 months, and then purchase it when you are approved for a mortgage. If you or someone you know is interested in more information please email me at [email protected].

Address

Jacksonville, FL
32246

Telephone

+19044340908

Website

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