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http://marlinrealestate.com Luxury Condos for Sale, Rent & Property Management in Miami and Miami Beach Fri, 29 Dec 2017 18:24:08 +0000 en-US hourly 1 https://wordpress.org/?v=4.8.6 Average Downpayment at Three-Year Low! http://marlinrealestate.com/real-estate-market/average-downpayment-at-three-year-low/ http://marlinrealestate.com/real-estate-market/average-downpayment-at-three-year-low/#respond Fri, 12 Jun 2015 15:17:59 +0000 http://marlinrealestate.com/?p=3676

RealtyTrac’s Q1 2015 U.S. Home Purchase Downpayment Report finds that homebuyers continue to put less money down on a new home.

In the first quarter of 2015, the average downpayment (single family homes, condos and townhomes) was 14.8 percent of the purchase price, down from 15.2 percent the previous quarter and from 15.5 percent a year earlier.…

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RealtyTrac’s Q1 2015 U.S. Home Purchase Downpayment Report finds that homebuyers continue to put less money down on a new home.

In the first quarter of 2015, the average downpayment (single family homes, condos and townhomes) was 14.8 percent of the purchase price, down from 15.2 percent the previous quarter and from 15.5 percent a year earlier.

The average downpayment for FHA purchase loans in the first quarter was 2.9 percent of the purchase price, while the average downpayment for conventional loans was 18.4 percent.

As a percentage of all loan originations, the number of FHA loans rose each month during the first quarter: from 21 percent in January to 22 percent in February to 25 percent in March.

“Downpayment trends in the first quarter indicate that first time homebuyers are finally starting to come out of the woodwork, albeit it gradually,” says Daren Blomquist, vice president at RealtyTrac. “New low downpayment loan programs recently introduced by Fannie Mae and Freddie Mac, along with the lower insurance premiums for FHA loans that took effect at the end of January, are helping, given that first time homebuyers typically aren’t able to pony up large downpayments.” If you are looking to build your dream home but don’t know where to start visit Aveling Homes, they have all the designing tools to help you get started.

Blomquist also credits a decline in the number of institutional investors.

More buyers were approved for low downpayment loans in the first quarter. The share of low downpayment loans – defined as ones with a loan-to-value ratio of 97 percent or higher, or 3 percent downpayment – was 27 percent of all purchase loans in the first quarter, up from 26 percent in the fourth quarter and also 26 percent a year ago.

However, the share of conventional loans that were low downpayment decreased throughout the quarter, from 11 percent in January and February to 10 percent in March. Meanwhile, the share of lowdownpayment FHA loans increased from 83 percent in both January and February to 84 percent in March.

©2015 Florida Realtors® – Reprinted with permission ©Florida Realtors.

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Multiple Offers: Tips for Buyers Making Bids http://marlinrealestate.com/real-estate-market/multiple-offers-tips-for-buyers-making-bids/ http://marlinrealestate.com/real-estate-market/multiple-offers-tips-for-buyers-making-bids/#respond Thu, 04 Jun 2015 15:31:12 +0000 http://marlinrealestate.com/?p=3657

Sellers with more than one offer will pick the “best” one, though “best” is an undefined term – in the case of an offer, it’s all in how the sellers view it.

Buyers hoping to win a bid should consider all the variables and plan accordingly. Some things to consider when talking to buyers:

  • Earnest money.

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Sellers with more than one offer will pick the “best” one, though “best” is an undefined term – in the case of an offer, it’s all in how the sellers view it.

Buyers hoping to win a bid should consider all the variables and plan accordingly. Some things to consider when talking to buyers:

  • Earnest money. In general, the more money a buyer is willing to put on the line, the more appealing the offer will be to the seller.
  • Verification. Can the buyer really afford the home? It helps if a buyer submits proof, and underwriting approval carries more weight than a simple letter from the lender.
  • Courtesy. If a house isn’t empty during a showing, the seller may need extra time to move. A buyer willing to give the seller some wiggle room could gain an edge.
  • Strength. Buyers should submit their highest offer first. If that offer fails, they’ll know they tried their best.
  • Market value. Some sellers price their home low in order to attract multiple bids. If a buyer balks at offering a price that’s higher than the asking price, compare the offer to nearby home values. Even an over-the-asking-price offer could be a bargain for that neighborhood.
  • No contingencies. Sometimes they’re necessary, but the fewer the better.
  • Keep it simple. Little requests could irritate a seller, such asking for a home warranty or termite bond.
  • Closing costs. Sellers with multiple offers often look at the bottom line – how much would I actually receive from each of these offers? In some cases, a request to pay extra closing costs could hurt.
  • Actual concerns. What does the seller really want? To get out quickly? To get the most money? To know that the family home is going to someone who appreciates its emotional worth? Find out if you can.
  • Prepare for the next step. Even the best offer could receive a counter offer. For many agents and sellers, it’s just good business. If a buyer submits the “best offer,” a counter-offer may come as a surprise if their agent hasn’t prepared them for it.
  • Details count. If a seller responds to an offer, the timing is important. Responses should be quick, and any seller requests, even idiosyncratic, should be respected.

Source: RISMedia
©2015 Florida Realtors® – Reprinted with permission ©Florida Realtors.

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Florida Home Prices To Rise 4-5% Over Next 12 Months http://marlinrealestate.com/news/florida-home-prices-to-rise-4-5-over-next-12-months/ http://marlinrealestate.com/news/florida-home-prices-to-rise-4-5-over-next-12-months/#respond Thu, 28 May 2015 17:18:50 +0000 http://marlinrealestate.com/?p=3644

Another Reason To Buy Now: Rents Going Up AgainRealtors® remain mostly confident about the real estate market over the next six months, thanks to 30-year fixed rates that remain below 4 percent, continued job growth, and recent measures that have made credit more accessible and cheaper.

Across all property types (single family, townhomes, and condos), the number of Realtors indicating that their market was “strong” outnumbered those who viewed the market as “weak,” according to the April 2015 Realtors Confidence Index Survey, which is based on responses from more than 1,000 Realtors about their latest transactions.…

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Another Reason To Buy Now: Rents Going Up AgainRealtors® remain mostly confident about the real estate market over the next six months, thanks to 30-year fixed rates that remain below 4 percent, continued job growth, and recent measures that have made credit more accessible and cheaper.

Across all property types (single family, townhomes, and condos), the number of Realtors indicating that their market was “strong” outnumbered those who viewed the market as “weak,” according to the April 2015 Realtors Confidence Index Survey, which is based on responses from more than 1,000 Realtors about their latest transactions.

With stronger buyer demand and tight supplies, homes continue to sell relatively quickly – typically within 39 days in April – according to the survey.

Also, Realtors increased their price expectations last month. Those surveyed expect prices to increase at a faster pace in the next 12 months, with the median expected price growth nationwide to be 3.9 percent (up from 3.5 percent expectation in March’s survey).

Realtors in Colorado were the most upbeat about price increases. They expect median price growth to hit 6 percent, followed by the District of Columbia at 5 percent.

Florida and seven other states ranked in the second tier for expect price growth, with Realtors predicting something in the 4 to 5 percent range. An additional 16 states expect price increases in the 3 to 4 percent range; the remaining states foresee 2 to 3 percent. There is no U.S. state in which Realtors expect a price decline or increase less than 2 percent over the next 12 months. NAR posted a map on its website showing the state-by-state home price increase expectations.

Realtors surveyed said recent measures to ease credit requirements had a profound impact on the housing market, such as lower Federal Housing Administration mortgage insurance premiums and the re-introduction of Fannie Mae and Freddie Mac 3 percent downpayment loans.

Realtors are the most upbeat about the overall housing market in states like North Dakota, Texas, Oklahoma, California, Oregon, Washington, Florida, New York, and Massachusetts, according to the survey. Also, Realtors’ outlook over the townhome and condo markets remained highest in Colorado.

For-sale inventories remain tight in many states but seller traffic was reportedly improving.

While real estate professionals remain generally optimistic about housing’s outlook for the next six months, they did note a few concerns, however:

  • Tight inventory in most states, especially for move-in ready and “affordable” units
  • Financing issues, such as qualifying for a mortgage still remains tough and the underwriting process is slow, leading to delayed closings
  • Appraisal valuation concerns and delays due to “questionable” comps, particularly for FHA/VA loans, the use of “out-of-town appraisers” and second appraisal requirements
  • Impact of the new mortgage procedures (RESPA-TILA) on closings
  • Negative impact of low oil prices in states with oil/gas production
  • Slowing demand from international buyers (e.g., Canadians) due to strong U.S. dollar
  • Uncertainties associated with flood insurance rates
  • Impact of upcoming interest rate increase on demand

Source: National Association of Realtors®

©2015 Florida Realtors® – Reprinted with permission ©Florida Realtors.

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Designing A South Florida Lifestyle http://marlinrealestate.com/interior-design/jose-arango-designing-a-south-florida-lifestyle/ http://marlinrealestate.com/interior-design/jose-arango-designing-a-south-florida-lifestyle/#respond Thu, 21 May 2015 20:14:59 +0000 http://marlinrealestate.com/?p=3605 HGTV: A Miami Weekend Makeover

From an acclaimed design firm’s award winning interiors, Jose Arango is widely considered an authority on modern contemporary design in South Florida. Jose represents Toby Zack Designs, which showcases their own collection of exclusive and unique furniture from around the globe, discovered during worldwide travels.

Jose’s amazing multifaceted installations incorporate an extraordinary palette of crisp, classic minimalism seen throughout many South Florida residences.…

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HGTV: A Miami Weekend Makeover

From an acclaimed design firm’s award winning interiors, Jose Arango is widely considered an authority on modern contemporary design in South Florida. Jose represents Toby Zack Designs, which showcases their own collection of exclusive and unique furniture from around the globe, discovered during worldwide travels.

Jose’s amazing multifaceted installations incorporate an extraordinary palette of crisp, classic minimalism seen throughout many South Florida residences. Toby Zack Design’s award winning interiors are featured in leading national and international consumer and trade publications.

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    Toby Zack Designs Interior Designer: Jose Arango

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Home Prices Starting to Rise Quickly Again http://marlinrealestate.com/news/home-prices-starting-to-rise-quickly-again/ http://marlinrealestate.com/news/home-prices-starting-to-rise-quickly-again/#respond Fri, 15 May 2015 18:57:55 +0000 http://marlinrealestate.com/?p=3592

Another Reason To Buy Now: Rents Going Up AgainThe number of metro areas with double-digit price appreciation doubled in the first quarter of this year compared to the quarter before, according to the National Association of Realtors®’ latest quarterly housing report.

Strong demand and a tight inventory of for-sale homes for-sale pushed up nationwide home prices. The first-quarter median existing single-family home price rose in 148 out of 174 metro areas tracked by NAR.…

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Another Reason To Buy Now: Rents Going Up AgainThe number of metro areas with double-digit price appreciation doubled in the first quarter of this year compared to the quarter before, according to the National Association of Realtors®’ latest quarterly housing report.

Strong demand and a tight inventory of for-sale homes for-sale pushed up nationwide home prices. The first-quarter median existing single-family home price rose in 148 out of 174 metro areas tracked by NAR. Only 25 areas recorded lower median prices compared to a year earlier, while 51 metros saw double-digit increases – a sharp increase from the 24 metro areas in the fourth quarter of 2014.

By the end of 2014, home prices had generally moderated to a healthy, more sustainable level of growth – but prices are now picking up again, says Lawrence Yun, NAR’s chief economist.

“Sales activity … was notably higher than a year ago, as steady hiring and low interest rates encouraged more buyers to enter the market,” Yun says. “However, stronger demand without increasing supply led to faster price growth in many markets. Sales could soften slightly in some of these markets seeing sharp price appreciation unless housing supply markedly improves and tempers its unhealthy level of growth.”

The median existing single-family home price in the first quarter was $205,200 nationwide, up 7.4 percent from the first quarter of 2014. Meanwhile, total existing-home sales decreased 1.8 percent to a seasonally adjusted annual rate of 4.97 million over the same timeframe.

Inventories remain tight. By the end of the first quarter, 2 million existing homes were available for sale, with the average supply during the first quarter at 4.6 months – a decline from 4.9 months a year earlier. Most economists consider a 6- to 7-month supply to be a healthy balance between buyers and sellers.

“Homeowners (have accumulated) household wealth through the steady rise in home values in the past few years,” Yun says. “However, some homeowners are hesitant to move up and sell, because they aren’t confident they’ll find another home to buy. This trend – in addition to subpar homebuilding activity – is leading to the ongoing inventory shortages and subsequent run-up in prices seen in many markets.”

Source: National Association of Realtors®

©2015 Florida Realtors® – Reprinted with permission ©Florida Realtors.

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Another Reason To Buy Now: Rents GoingUp Again http://marlinrealestate.com/news/another-reason-to-buy-now-rents-goingup-again/ http://marlinrealestate.com/news/another-reason-to-buy-now-rents-goingup-again/#respond Fri, 08 May 2015 00:18:50 +0000 http://marlinrealestate.com/?p=3548

Another Reason To Buy Now: Rents Going Up AgainCEOs of the largest companies renting out single-family homes say they plan to raise rents up to 5.7 percent this year, as they switch their focus from buying more properties to optimizing revenue from the thousands of properties they already own. According to Bloomberg, they want to take advantage of an increased demand for rental homes.…

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Another Reason To Buy Now: Rents Going Up AgainCEOs of the largest companies renting out single-family homes say they plan to raise rents up to 5.7 percent this year, as they switch their focus from buying more properties to optimizing revenue from the thousands of properties they already own. According to Bloomberg, they want to take advantage of an increased demand for rental homes.

“In the 2015 rental season, we’re really seeing the ability to move rents,” says David Singelyn, chief executive officer of American Homes 4 Rent at a recent conference in Miami Beach. The company is one the nation’s largest publicly traded, single-family landlords. It has about 35,000 homes in its inventory.

Large-scale investors – those who purchase at least 10 properties a year – have spent about $68 million snatching up 528,000 single-family rental homes since 2011, according to a report last month by Haendel St. Juste, a Morgan Stanley analyst. Now the CEOs of Silver Bay, Starwood Waypoint, American Residential Properties and Blackstone Group all say they plan to start raising rents this year.

“We are focusing aggressively on rent bumps,” Stephen Schmitz, American Residential Properties CEO, said during a panel discussion. “There’s a supply imbalance in some markets. The same thing that keeps occupancy high also drives rents.”

Schmitz says he plans to bump up rental rates by 4 percent on renewals and up to 5.7 percent for new tenants.

Source: “U.S. Single-Family Landlords Are Raising Rents, CEOs Say,” Bloomberg (April 21, 2015)

©2015 INFORMATION, INC. Bethesda, MD (301) 215-4688 – Reprinted with permission ©Florida Realtors.

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HGTV: A Miami Weekend Makeover http://marlinrealestate.com/interior-design/hgtv-a-miami-weekend-makeover/ http://marlinrealestate.com/interior-design/hgtv-a-miami-weekend-makeover/#respond Wed, 08 Apr 2015 22:58:22 +0000 http://marlinrealestate.com/?p=3414

HGTV: A Miami Weekend Makeover

Miami Shores – Dr. Jorge E. Gomez, M.D. and his beautiful wife Melissa, had an unexpected surprise when Luis, from HGTV (Weekends with Luis) and his crew showed up one weekend to help remodel their downstairs living area, in their mid-century, modern Miami Shores home. One-half playroom, and one-half wine tasting room with refridgerated storage, Luis spends the weekend with Jorge and Melissa, creating some pretty spectacular updates, making this room their favorite living space in the house.…

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HGTV: A Miami Weekend Makeover

Miami Shores – Dr. Jorge E. Gomez, M.D. and his beautiful wife Melissa, had an unexpected surprise when Luis, from HGTV (Weekends with Luis) and his crew showed up one weekend to help remodel their downstairs living area, in their mid-century, modern Miami Shores home. One-half playroom, and one-half wine tasting room with refridgerated storage, Luis spends the weekend with Jorge and Melissa, creating some pretty spectacular updates, making this room their favorite living space in the house.

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    HGTV: A Miami Weekend Makeover
    Luis, from HGTV (Weekends with Luis) arrives at Jorge & Melissa’s house in Miami Shores, Florida

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    The HGTV crew setting up…

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    Luis (Weekends With Luis) discussing the project on camera.

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    The HGTV crew happily working away in their “Workshop on Wheels.”

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    Melissa officially joins the HGTV crew in the Miami weekend makeover.

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    Out with the old staircase…

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    …and in with the new.

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    From ordinary…

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    …To extraordinary! Notice the suspended staircase.

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    From drab…

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    The Wine Cellar has been covered in wood used from freight pallets.

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    Another fabulous Miami makeover from Luis & his HGTV crew!

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Viva La Yoga: A Miami Beach Lifestyle http://marlinrealestate.com/miami-lifestyle/viva-la-yoga-a-miami-beach-lifestyle/ http://marlinrealestate.com/miami-lifestyle/viva-la-yoga-a-miami-beach-lifestyle/#respond Wed, 31 Dec 2014 18:52:59 +0000 http://marlinrealestate.com/?p=3187

Lizette Monty, a Certified Yoga Instructor and Miami Beach native for 25 years, has big plans to bring something refreshing to the Miami Beach Community,”Viva La Yoga!”

So what is “Viva la Yoga”?…

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Lizette Monty, a Certified Yoga Instructor and Miami Beach native for 25 years, has big plans to bring something refreshing to the Miami Beach Community,”Viva La Yoga!”

So what is “Viva la Yoga”? Viva La Yoga is the manifestation of the natural human body. The breath and freedom comes when every part of the body is active, letting us be free in whatever postures we are doing.

Viva La Yoga is a sacred opportunity for anyone to connect with the mind, body, spirit and in essence, nurturing the soul. By bringing attention and feeling your breath, you create space with the asanas/postures falling naturally into your body while connecting to Mother Earth, you find your foundation. You will feel the soothing and active quality of the poses.

Viva La Yoga is like a lotus flower… It does not unfold with difficulty, blossoming infinitely.

I AM blessed to be able to share yoga, it’s transformation, healing and life changing gifts.

Namaste,

Lizette Monty

Day Registration Time Location
Wednesdays Register Here 6:00 pm Park View Island
Saturdays Register Here 9:00 am Park View Island

For more information call 305.216.6400, email Lizette Monty or register at VivaLaYoga.guru

About Lizette Monty

About Lizette MontyAlong with running her own Real Estate Firm Marlin Real Estate and raising two amazing daughters on her own, at some point during her journey she found her love for yoga.

In fact, to be precise in 2001, Lizette went out fishing on her boat (something she did quite often) and finally caught her dream fish, a 250 lb Blue Marlin. This was an amazing accomplishment for her but unfortunately it came with its burden, three herniated discs in her lower back. It was at that very moment that her life would change forever and she would discover a new passion in life, a love to not only heal herself but to eventually teach others how to heal with the yoga practice.

Flash forward to the present day and Lizette finds herself feeling healthier and stronger then ever especially embarking on her newest venture “Viva la Yoga”.

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HGTV: What Is Miami Style? http://marlinrealestate.com/articles/hgtv-urban-oasis-designer-spills-what-is-miami-style/ http://marlinrealestate.com/articles/hgtv-urban-oasis-designer-spills-what-is-miami-style/#respond Mon, 06 May 2013 16:37:34 +0000 http://marlinrealestate.com/?p=1414

Last week, I had the opportunity to chat with HGTV Urban Oasis interior designer Lindsay Pumpa. The topic of our discussion: design trends in Miami and inspirations for interiors of this year’s apartment. What is the quintessential Miami design style? The answer is more complex than just one color palette, collection of fabrics or furniture style.…

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Last week, I had the opportunity to chat with HGTV Urban Oasis interior designer Lindsay Pumpa. The topic of our discussion: design trends in Miami and inspirations for interiors of this year’s apartment. What is the quintessential Miami design style? The answer is more complex than just one color palette, collection of fabrics or furniture style.

“Miami is a place where it’s no holds barred. We go all out when it comes to design,” says Lindsay. “If we go contemporary, it’s going to be uber modern. If we do French rococo, we throw it in your face. There is nothing half done or tamed down here. We embrace all design influences.” You may be wondering from where this “go hard or go home” design
approach stems. Lindsay points to the hospitality industry, where making a big splash is essential to business success. “When you come to Miami Beach you are expecting a nonstop show,” she says. “Everything is bigger and bolder. And people who live here embrace that lifestyle, which resonates throughout their home decor.”

Read the full article at HGTV.com

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HGTV: What’s Hot In The Kitchen http://marlinrealestate.com/articles/whats-hot-in-the-kitchen/ http://marlinrealestate.com/articles/whats-hot-in-the-kitchen/#respond Sun, 05 May 2013 18:44:43 +0000 http://marlinrealestate.com/?p=1463

We recently spent a few days in the Kitchen and Bath Industry Show checking out the hottest new products before they hit shelves. Trendspotting at a trade show is always fun but unlike other shows we attend where design is the only focus, kitchens and baths are spaces where form and function are equally important so technology is key.…

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We recently spent a few days in the Kitchen and Bath Industry Show checking out the hottest new products before they hit shelves. Trendspotting at a trade show is always fun but unlike other shows we attend where design is the only focus, kitchens and baths are spaces where form and function are equally important so technology is key.

If you’re in the market for a new kitchen, or just thinking about a few upgrades, here are the freshest trends/technologies to make your kitchen really cook!

Read the full article at HGTV.com

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