Sariah Aquino, Realtor

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Sariah Aquino, Realtor

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Sariah Aquino, Realtor, Estate agent, 4885 N Wickham Road, Melbourne, FL.

07/19/2024

OPEN HOUSES THIS WEEKEND!

Saturday, July 20
11:00am-2:00pm
7917 Dobre Way, Viera FL
3 bed | 2 bath | 1,661sqft | $515,000
New construction, highly desired neighborhood
Hosted by Steven Thomas
https://7917dobreway.com/

Saturday, July 20
11:00am-1:00pm
1901 Jacques Dr, Viera FL
4 bed | 2 bath | 1,988sqft | $535,000
Waterfront, pool home, fully inspected
Hosted by Nick Lalanne and Sariah Aquino Seppelt
https://1901jacquesdr.com/

Sunday, July 21
11:00am-1:00pm
250 Joshua Pl, Merritt Island FL
4 bed | 4 bath | 3,039sqft | $795,000
Waterfront, pool home, nearly 2 acres
Hosted by Nick Lalanne, Sariah Aquino Seppelt, Melissa Faber
https://250joshuaplace.com/

Contact us for any questions!

02/27/2023

MEGA TIP MONDAY⭐🤓

On Mondays, we talk shop! Tips for home buying, home selling, or anything else related to Real Estate!

HOME BUYERS! How do you even get approved for a mortgage?

Great question! It's both very simple, and very complicated.
Mortgage lenders will look at four key aspects:
Income
Debts
Credit
Assets

Income and debts go hand-in-hand in an equation called your Debt-To-Income ratio, or your DTI. Basically, you divide your total MONTHLY debt payments by your monthly gross income, and you get a percentage. Remember, only things that affect your credit are considered debts. Things like car loans, furniture loans or leases, student loans, credit card payments, etc.
For example, if Susie makes $4,000 per month, and she has $1,200/month in debts, her DTI currently sits around 30%. With an FHA loan, you are allowed to have a maximum of 55% including your home purchase payment. That means Susie has 25% of her income "available", so she would be approved for a $1,000/month payment.
This doesn't mean you should max out your monthly payment! It's just what you would be approved for.

Credit is very simple. 580 is the minimum credit score for 3.5% down payment through FHA. With 640 credit score, you can be approved for a conventional loan. The higher your credit, often you'll be able to use different programs for down payment and interest rates!

Assets is simply your savings. How much savings do you have? Can you cover your down payment? Your down payment cannot be paid by anybody but you, with the exception of a family member in some cases. Your closing costs (which are different from your down payment), however, can potentially be paid by the seller. While it's best to be prepared to pay your own closing costs, a lender will usually pre-approve you with the condition that you get a credit for your closing costs!

Have questions? Want to talk to a mortgage lender? Let me know!

Have questions about something? Want me to cover a topic more in depth?
Ask below! ⬇️⬇️⬇️

Sariah Aquino, REALTOR®
Keller Williams Realty Brevard
7202245400

02/24/2023

FEATURE FRIDAY!
On Fridays, we feature LISTINGS!

This week:
📍3188 Cortana Dr, Melbourne FL 32940
🛏️4 bedrooms
🛁3 bathrooms
📐2,396 living sqft
📝 Offered at $825,000

This home is seemingly BUILT TO ENTERTAIN!
Between the huge amount of room around the pool that overlooks the lake and the MASSIVE living spaces, you can fit your whole neighborhood in your home!
Meticulously maintained, this 4 bedroom, 3 bath house in the gated community of Cortona in Viera is absolutely sure to impress.
Be sure to check out some of the amazing features, such as the custom stone work in the fireplace as well as the built-in coffee bar (which would come in handy in my house!) and the window seat that overlooks the lake.
This house has everything that you'd want in a beautiful Viera home, including being close to parks and shops!
Make sure you check it out today!

Call/text me if you want to schedule an appointment.

Sariah Aquino
720.224.5400

02/20/2023

MEGA TIP MONDAY⭐🤓

On Mondays, we talk shop! Tips for home buying, home selling, or anything else related to Real Estate!

HOME SELLERS, let's talk ROOFS!

The dreaded roof scenario. You want to sell your house, but your roof is 13+ years old. It's in good condition, no leaks, but that 2009 install year is looming over you.

Unfortunately, Homeowners Insurance has been tightening down on roof age over the past couple years. I'm sure you've seen all the hype.
Here's some helpful info!

If you have a buyer who is FINANCING, as long as they can get insurance, the bank only requires the roof inspection to show 2 years of life!
However, sometimes insurance doesn't care. Many insurance companies won't insure a home if the roof is around 15 years old or more. With no insurance, it's impossible to get a mortgage!

So what are your options?
➡️Sell CASH? Cash buyers are not required to get insurance prior to closing. However, many cash buyers are investors and usually are not willing to pay "sticker price" for anything. This option usually end up with the lowest amount in the seller's pocket.
➡️Replace the roof! Replacing the roof is the "simplest" solution, because it makes everyone happy on the purchasing side. The bank, insurance agent, and the buyer all benefit from an easier purchase. Happy buyer typically means better offer! Unfortunately this means that the homeowner has to pay for a costly new roof prior to selling.
➡️MY PERSONAL FAVORITE! Find a roofing company that will replace the roof prior to closing, but take paying at the closing table! I call this a win-win-win-win! Insurance will be happy, buyer gets a new roof, seller doesn't have to pay any up-front fees, and the roofer still gets paid! This option usually ends up costing the least to the seller, and is the least stressful!

Want to talk about your roof? Need a recommendation for a roofer? Let me know!

Have questions about something? Want me to cover a topic more in depth?
Ask below! ⬇️⬇️⬇️

Nick Lalanne, REALTOR®
Blue Marlin Real Estate
(321) 505-0288

02/17/2023

FEATURE FRIDAY!
On Fridays, we feature LISTINGS! Highlighting great listings for the public that stand out is an important part of the Real Estate Market!

This week:
📍1567 Heartwellville St NW, Palm Bay FL 32907
🛏️4 bedrooms
🛁2 bathrooms
📐1,516 living sqft

This AMAZING home has 4 bedrooms, 2 bathrooms, AND an additional flex room that can either be used as an office OR an additional 5th bedroom.
With a new roof, AC, and water heater, this home is not going to need any major maintenance for a while.
One of few quality homes on the market under $350,000, the seller is also offering $5,000 to help with closing costs OR to buy down that rate to lower your payment!
Beautiful neutral tones and lighting makes the space feel larger and cleaner. Plenty of space to entertain inside AND out, with a large porch and a fenced-in yard!
Make sure you check it out today!

Call/text me if you want to schedule an appointment.

Sariah Aquino
720.224.5400

02/13/2023

MEGA TIP MONDAY⭐🤓

On Mondays, we talk shop! Tips for home buying, home selling, or anything else related to Real Estate!

HOME BUYERS!

I'm sure you've heard all about it, but I want to explain a current hot-topic for you:
2-1 Buydowns

This is a very simple way to get into a home with a lower rate, but it doesn't work for everyone!
Essentially, what this program does is simple:

-The SELLER must pay for this program through the form of a credit. Credits are becoming increasingly common again (Whew! 😅) so many sellers are anticipating these scenarios!
-You must be approved for the actual rate!
-The first year, the rate is 2% lower. The second year, the rate is 3% lower. On the third year, the rate becomes the actual rate (also called the par rate).

Example:
Tom gets approved for a 6% par rate. He is able to get a 2-1 Buydown program.
Year 1, he pays a 4% rate.
Year 2, he pays a 5% rate.
Year 3+, he pays the 6% rate.

This is NOT an Adjustable Rate Mortgage. It is a FIXED rate, with an up-front discount!
This program does NOT increase the par rate! It's the same whether you use the program or not!
On average, buyers can expect to save about $6,000 in interest payments over the first two years!

Like I said, this doesn't work for everyone! For some, it may make more sense to buy down the par rate to a manageable level for the entire life of the loan.
This program is great for people who:
-Just want to save some money up front.
-Plan on only owning the property for a few years
-Feel that rates may go down in a few years and plan on refinancing

As always, let me know if you have any questions!

Have questions about something? Want me to cover a topic more in depth?
Ask below! ⬇️⬇️⬇️

Nick Lalanne, REALTOR®
Blue Marlin Real Estate
(321) 505-0288

02/11/2023

In honor of Love Month... What’s your homeowner relationship status? 😉

01/28/2023

Hiring a qualified buyer’s agent who can negotiate the best deal on your behalf is crucial if you want a stress-free and exciting buying experience.⁣
Have questions about the home buying process?

Call/text me at 720.224.5400 📲

01/27/2023

What words do you see? Are they accurate to what you want? Leave them in the comments below! 👇

01/25/2023

𝙃𝙖𝙥𝙥𝙮 𝙉𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝙁𝙡𝙤𝙧𝙞𝙙𝙖 𝘿𝙖𝙮, 𝙁𝙚𝙡𝙡𝙤𝙬 𝙁𝙡𝙤𝙧𝙞𝙙𝙞𝙖𝙣𝙨!
January 25th recognizes the Sunshine State as the 27th state to join the United States. ☀️ It's amazing to see how far Cape Canaveral and the home of the Kennedy Space Center in Brevard County has come from its first launch in 1950.
What's your favorite part about living in Florida?

01/21/2023

So lucky to live where I can also vacation!
Have you ever visited the gorgeous Sebastian Inlet? 😍
Photo credit: Dave Schwartz

Address

4885 N Wickham Road
Melbourne, FL
32940

Telephone

+13215050288

Website

https://sariahangel.kw.com/

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