AVENTURA REAL ESTATE BIGGEST SALES (02-22-19)

02-22-19 Aventura 1

 

AVENTURA REAL ESTATE BIGGEST SALES

*as of  January 22,  2019

02-22-19 Aventura 2

WE HAVE THE KEY TO YOUR DREAM HOME. CHECK OUT REAL ESTATE PROPERTIES FOR SALE IN AVENTURA .

#RealEstateMiami #SouthFloridaRealEstate #RealEstateAventura #AventuraRealEstate #RealEstateSouthFlorida #AventuraFlorida

Call now for real estate inquiries! 305-741-2142 or visit www.ralphmagin.com

 

Aventura

 

Winter Warnings for Seasonal Residents

By: Russel Lazega

So, soon Florida’s snowbirds will make their annual migration north for the spring. And as the caravan of Chevy Caprices rolls northbound up 95, many of Florida’s snowbirds will be wondering: “What if something happens to my nest while I’m gone?”

“How long do I have to discover a claim?” “Can the insurance company say I was away too long or waited too long to notify them?”

As an insurance lawyer I can tell you — this happens — a lot. Leaks and storms damage properties and often don’t get discovered or reported right away. Luckily, Florida’s laws and insurance policies are equipped to deal with the plain reality of over one million seasonal residents locking and leaving each Spring. So here are some tips to help protect you if disaster hits while you’re gone:

Have someone watch your property while you’re away. An ounce of prevention is worth a pound of cure. Regular check-ins and cameras may help catch problems from the get-go allowing you to mitigate or prevent the damage early on.

Report right away to your insurance. Most policies have provisions that allow the insurer to avoid responsibility for the claim if it was not promptly reported to the insurance company. What is “promptly?” The law often leaves that up to juries and courts to decide which means a good lawyer can help with these types of disputes. Of course, sooner is always better.

Once you’ve reported to insurance, Florida law gives you up to 5 years to bring an insurance lawsuit if you need to. So again, the key is to notify insurance early and do what you can right away to stop damage from getting worse. A good public adjuster and/or lawyer can help.

Aventura

So, remember folks, as you fly north for the summer be sure to look out for the nest you’re leaving — because I promise — your insurance company won’t.

Credits to communitynewspapers.com and Russel Lazega

#RealEstateMiami #SouthFloridaRealEstate #RealEstateAventura #AventuraRealEstate #RealEstateSouthFlorida #AventuraFlorida

Check out homes for sale in Aventura. Contact Ralph Magin, your trusted real estate agent, at 305-741-2142 or visit http://ralphmagin.com/ for real estate inquiries.

 

Ralph Magin, GRI, CRB, Broker Associate
Coldwell Banker Residential Real Estate
40 Years Experience Over 3,000 Homes Sold
305-741-2142 – RalphMagin@yahoo.com – www.RalphMagin.com

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This Just In: Data Says May Is The Best Month To Sell Your Home

2019 02-21 calendar

This Just In: Data Says May Is The Best Month To Sell Your Home

According to a newly released study by ATTOM Data Solutions, selling your home in the month of May will net you an average of 5.9% above estimated market value for your home.

For the study, ATTOM performed an “analysis of 14.7 million home sales from 2011 to 2017” and found the average seller premium achieved for each month of the year. Below is a breakdown by month:

2019 02-21 graph

 

ATTOM even went a step further and broke their results down by day.

Top 5 Days to Sell:

  • June 28th – 9.1% above market
  • February 15th – 9.0% above market
  • May 31st – 8.3% above market
  • May 29th – 8.2% above market
  • June 21st – 8.1% above market

It should come as no surprise that May and June dominate as the top months to sell and that 4 of the top 5 days to sell fall in those two months. The second quarter of the year (April, May, June) is referred to as the Spring Buyers Season, when competition is fierce to find a dream home, which often leads to bidding wars.

One caveat to mention though, is that when broken down by metro, ATTOM noticed that while warmer climates share in the overall trend, it turns out that they have different top months for sales. The best month to get the highest price in Miami, FL, for instance, was January, and Phoenix, AZ came in with November leading the charge.

If you’re thinking of selling your home this year, the time to list is NOW! According to the National Association of Realtors, homes sold in an average of just 30 days last month! If you list now, you’ll have a really good chance to sell in May or June, setting yourself up for getting the best price!

Bottom Line

Contact a local real estate professional who can show you the market conditions in your area and get the most exposure to the buyers who are ready and willing to buy!

 

#RealEstate #RealEstateAgent #RealEstateMiami #RealEstateSouthFlorida

#SouthFloridaRealEstate #RealEstateExpert #homeselling 

Check out homes for sale in Miami. Contact Ralph Magin, your trusted real estate agent, at 305-741-2142 or visit http://ralphmagin.com/ for real estate inquiries.

Ralph Magin, GRI, CRB, Broker Associate
Coldwell Banker Residential Real Estate
40 Years Experience Over 3,000 Homes Sold
305-741-2142 – RalphMagin@yahoo.com – www.RalphMagin.com

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Your Questions Answered: Best Home Buying Tips for First-Timers

Your Questions Answered: Best Home Buying Tips for First-Timers

Your Questions Answered: Best Home Buying Tips for First-Timers

No, you probably don’t need to put 20% down.

Buying your first home is a big freaking deal. How do you know which loan is right for you? How do you swing the down payment? How do you ensure your offer isn’t too low or too high? What don’t you know that you don’t know? Ack!

Breathe, friend. The process doesn’t have to painful.

To prep you for the journey, HouseLogic hosted a Q&A series on Facebook. Here are the top-10 Q&As from the first event, which was hosted by Meg White, the former managing editor of REALTOR® Magazine — and a homeowner, herself.

#1 Getting Started

Q: Where should a prospective home buyer (and their significant other, if applicable) start their buying journey? What do you do first?

A: The first step should be to look inward and have some super-honest conversations. This worksheet is a great way for you and your buying partner to get on the same page.

Talk openly about your priorities: Where do you see yourself in five to 10 years? Create a checklist of must-haves in your new home and neighborhood. Hash out a budget, and talk about the kind of lifestyle changes you might be willing to take on (and the ones you won’t be willing to do).

Finally, check your credit, correct any errors in your report, and start taking steps to build a positive financial profile.

#2 The Down Payment

Q: Is there any wiggle room on the 20% down payment, or should I just plan on making that?

A: It’s actually quite common to put less than 20% down. My family only put down 10%, and many other buyers put down even less. (For example, FHA borrowers might put down as little as 3.5% on the purchase price.)

Keep in mind that when you put down less than 20%, you’ll probably have to pay PMI, or private mortgage insurance; it’s a monthly fee the bank charges to secure their investment in you, since you have less skin in the deal.

So while it’s true that buyers who don’t put 20% down generally have to pay mortgage insurance until they reach 20% equity, that fee usually gets bundled into your monthly payment, so it’s not a huge deal. Also, when that mortgage insurance requirement is lifted, your payments should go down. When’s the last time that happened to your rent?

#3 Agents and Listing Sites

Q: How should a first-time home buyer work with an agent? What do agents do that property sites don’t?

A: Your real estate agent is your rock in what can be a really confusing, stressful, and involved experience. They’ve been through a lot of deals, so they know what can go wrong and have seen many of the mistakes buyers make most often.

But more than that, they’re your sounding board. Sometimes it’s hard to know which direction to go during the home buying process, and just being able to talk it out with a third party who has your back is huge.

Listing sites are great; they have tons of useful information. But agents are on the ground in your community every day, and because of that, they know a lot more than what you see online. Sometimes they’ve seen the same listing in person many times, or they know about geographic considerations you’d never think of.

Every time our agent warned us about a listing (“That one has been on the market forever because . .  ” or “Yeah, it’s nice to be that close to the train, but don’t forget that you’ll also hear the station announcements going on all day,” etc.), he was totally right.

#4 Finding a Lender

Q: Getting a mortgage is a big deal for most buyers. How should they get started on securing a loan? And what about online lenders like RocketLoans? Is there a disadvantage or concern with using this type of lender rather than a local or traditional bank?

A: The very first thing is just getting all your financial documents in a place where they’re easily accessible — or figuring out how to access them, i.e., what’s your username and password for this or that account? You also need to know where your credit history stands in general. The most common stuff banks will ask you for is W2s, your last couple years of tax returns, bank statements, and pay stubs.

But even before you start looking at houses, you should try and get pre-approved. That might seem premature, but you need to know what kind of loan you’re going to be able to get in order to determine your price range, which is obviously a big part of the home search for those of us who don’t have unlimited cash.

Now, pre-approval doesn’t mean you’re applying for a mortgage — just getting an idea of what you’re approved for.

Basically, you give a lot of info about your financial situation to a lender and see what they think. You’ll get a document back that’s like a preliminary idea of what they might lend you. These documents vary from bank to bank and are generally free of charge, and you can usually apply for them online these days.

 

Having that pre-approval letter will help sellers see you’re a serious buyer backed by a real financial institution — and that’ll help make your offer stronger.

When it comes to lenders, whether online or otherwise, your choice will depend on your personal situation. We recommend starting out with HouseLogic’s mortgage lender guide.

#5 The Loan

Q: Do you suggest a government loan over a private bank?

A: It depends on your situation. If you have time and a lower credit score, consider a government loan. If you have a higher credit score and are in a really competitive market, consider private.

Most first-timers are going to be looking at the fixed-rate, 30-year mortgage. But even if you go with this super-common type of mortgage, there are different rules depending on whether you go with a loan from the government or from a private bank.

But there are tons of loan options out there for different situations. For example, if you need to do significant repairs on a place before you can move in, you can get help specifically for that with a 203(k) from FHA. And there might be special savings, down payment assistance, or grant opportunities that apply to your situation.  

The best plan: Talk to a number of financial institutions and mortgage brokers to see what they recommend specifically for you.

#6 Open Houses

Q: How can I make the most of open houses?

A: Open houses are a great opportunity to learn about the sellers, their home, and the neighborhood. But they can also be stressful, especially when they’re packed with a bunch of other people looking to buy.

If you’re really serious about a place, it’s good to try to schedule a showing so you can see it at your own pace with your agent beside you. Obviously when the market is hot, that’s not always possible.

But there’s actually a fair amount you can do to maximize your experience. If you’re hitting the circuit, check out our best advice on what to do at an open house.

#7 Finding the Right One

Q: How many houses should I look at before I make an offer?

A: Agents who have been around the block a few times say it used to be that buyers would look at, at least 20 to 30 homes even in the best of circumstances. Now with online listings, it’s easier to narrow down what won’t work and save some time.

That said, it took my husband and I many months to find the right fit, and I can’t even remember how many places we looked at!

Ultimately, you should trust your gut about whether you want to keep looking, reassess your wish list, or make an offer.

#8 Making an Offer

Q: When making an offer on a home, what are the top things a buyer should keep in mind?

A: The three most important factors are:

  1. The market. What are other people willing to pay for this house, and how does that fit with your offer? If you can’t offer top dollar, what other things can you do to be more competitive (e.g. being flexible with the closing date)?
  2. Your budget. In this crazy market, it’s easy for first-timers to get caught in a bidding war and push themselves to their financial limits. But you’re going to have to live with your decision for a long time, so make sure you’re OK with any and all sacrifices you might need to make.
  3. This might not work out, and that’s OK. Your offer might not be accepted. Or maybe your offer is accepted, but structural damage is uncovered in the inspection, or the seller has contingencies that don’t work with your timeline, or you have to walk away from the deal for some other serious reason. That’s OK! It’s not uncommon, and there will be other fish in the sea.

#9 The Inspection

Q: What happens at the inspection? If the inspector finds issues, what does that mean for the buyer?

A: An inspection is a stressful time. Think about it: You’ve kind of fallen in love with a house, right? And then you have to pay some person to come in there and tell you all the reasons you don’t want to buy it. It sounds slightly insane when you put it that way.

But this information is super important to have, and it’s in your best interest to have the most comprehensive assessment possible of the place you’re thinking about buying.

Follow the inspector around and take your own notes. Ask questions about what it takes to fix this or that.

 

And if there are serious problems, it’s not the end of the world. It might strengthen your negotiating position, or it might mean you choose not to buy the house. But either way, you’re more informed!

#10 Mistakes to Avoid

Q: What are some of the biggest mistakes first-time home buyers typically make?

A: Because I work at REALTOR® Magazine, I was surprised by how challenging it can be to keep one’s emotions in check. Buying your first home can be a real roller coaster. It’s the excitement of seeing a great listing online and then the crash of being disappointed in person; the challenge of the offer and negotiation process; or the ups and downs of the inspection and appraisal.

One big mistake to avoid is not being on the same page as your partner, if you’re buying with someone else. Talk everything through; it can cause real heartache later on if you don’t.

Finally, it’s important to step back and keep things in perspective. No matter how sideways things go, remember how lucky you are to be in a situation where you can own your own little kingdom. Not everyone has that opportunity — especially when you look internationally — and it’s an amazing feeling.

#RealEstate #RealEstateAgent #RealEstateMiami #RealEstateSouthFlorida

#SouthFloridaRealEstate #RealEstateExpert #homeselling 

Check out homes for sale in Miami. Contact Ralph Magin, your trusted real estate agent, at 305-741-2142 or visit http://ralphmagin.com/ for real estate inquiries.

Ralph Magin, GRI, CRB, Broker Associate
Coldwell Banker Residential Real Estate
40 Years Experience Over 3,000 Homes Sold
305-741-2142 – RalphMagin@yahoo.com – www.RalphMagin.com

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DISPELLING REFINANCING MYTHS

Dispelling Refinancing Myths

Dispelling Refinancing Myths

“Refinancing” is a scary word for many people, but that shouldn’t be the case for you. For many homeowners, refinancing can not only lower your monthly payments and help with your monthly budget, but it can save you thousands of dollars in the long run.

YOU’RE NOT TOO LATE.

For years now, we’ve been hearing that interest rates will be on the rise, and although there have been some small increases, you’re still in a great position to drastically lower your interest rate. The general rule is if your mortgage interest rate is more than one percent above the current market rate, you should consider refinancing.

IT’S NOT TOO TIME CONSUMING.

Don’t brush off refinancing just because it seems like a long and daunting process. An informational call with a lender to see how rates compare will only take a few minutes. There are also some programs for streamlining the application process. And besides, isn’t the amount of money you could save worth the time and effort?

ARMS CAN BE REFINANCED, TOO.

Seeing your Adjustable Rate Mortgage (ARM) increase after the introductory period can be incredibly stressful and place a squeeze on your budget. Many people assume they’re stuck, but ARMs can be refinanced, just like fixed-rate mortgages. You can even switch to a shorter term fixed-rate mortgage, such as 15 or 23 years. The longer you’re planning to stay in the home, the more sense it makes to look into refinancing.

#RealEstate #RealEstateAgent #RealEstateMiami #RealEstateSouthFlorida

#SouthFloridaRealEstate #RealEstateExpert #homeselling 

Check out homes for sale in Miami. Contact Ralph Magin, your trusted real estate agent, at 305-741-2142 or visit http://ralphmagin.com/ for real estate inquiries.

Ralph Magin, GRI, CRB, Broker Associate
Coldwell Banker Residential Real Estate
40 Years Experience Over 3,000 Homes Sold
305-741-2142 – RalphMagin@yahoo.com – www.RalphMagin.com

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WILLIAMS ISLAND REAL ESTATE BIGGEST SALES (02-15-19)

02-15-19 Williams Island 1

WILLIAMS ISLAND REAL ESTATE BIGGEST SALES

*as of  February 15, 2019

02-15-19 Williams Island 202-15-19 Williams Island 2

WE HAVE THE KEY TO YOUR DREAM HOME. CHECK OUT REAL ESTATE PROPERTIES FOR SALE IN WILLIAMS ISLAND .

 

#RealEstateMiami #SouthFloridaRealEstate #RealEstateWilliamsIsland #WilliamsIslandRealEstate #RealEstateSouthFlorida

Call now for real estate inquiries! 305-741-2142 or visit www.ralphmagin.com

Williams Island 1

10 Best Restaurants at Williams Island

Williams Island is an interesting community in Aventura where you get to be close by the waters of Florida and close to the life of the city. Skyrise condominiums on the island is a great investment for whether for business or settle down. Williams Island will never cease to amaze everyone with all means of access to any activities that will cater to any kind of lifestyle.

Food is a common interest of all and Williams Island is close to the best place that serves appetizing dishes and drinks.  Yelp has always been a best friend when looking for the top places in certain area of interest. Searching through Yelp, here is the top 10 restaurants nearby Williams Island Aventura and where to find them.

Williams Island 2

Williams Island 3Williams Island 3

#RealEstateMiami #SouthFloridaRealEstate #RealEstateWilliamsIsland #WilliamsIslandRealEstate #RealEstateSouthFlorida

Check out homes for sale in Williams Island. Contact Ralph Magin, your trusted real estate agent, at 305-741-2142 or visit http://ralphmagin.com/ for real estate inquiries.

Ralph Magin, GRI, CRB, Broker Associate
Coldwell Banker Residential Real Estate
40 Years Experience Over 3,000 Homes Sold
305-741-2142 – RalphMagin@yahoo.com – www.RalphMagin.com

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Buying Is Now 26.3% Cheaper Than Renting In The US

Buying Is Now 26.3% Cheaper Than Renting In The US

Buying Is Now 26.3% Cheaper Than Renting In The US

The results of the latest Rent vs. Buy Report from Trulia show that homeownership remains cheaper than renting, with a traditional 30-year fixed rate mortgage, in 98 of the 100 largest metro areas in the United States.

In the six years that Trulia has conducted this study, this is the first time that it was cheaper to rent than buy in any of the metropolitan areas.

It’s no surprise, however, that those two metros are San Jose and San Francisco, CA, where median home prices have jumped to over $1 million dollars this year. Home values in San Jose have risen 29% in the last year, while rents have remained relatively unchanged.

For the 98 metros where homeownership wins out, 97 of them show a double-digit advantage when buying. The range is an average of 2.0% less expensive in Honolulu (HI), all the way up to 48.9% in Detroit (MI), and 26.3% nationwide!

Below is a map of the 100 metros that were studied. The darker the blue dot on the metro, the cheaper it is to buy there.

In order to calculate the true cost of renting vs. buying, Trulia includes all assumed renting costs, including one-time costs (like security deposits), and compares them to the monthly costs of owning a home (insurance, mortgage payments, taxes, and maintenance) including one-time costs (down payments, closing costs, sale proceeds). They also assume that households stay in their home for seven years, put down a 20% down payment, and take out a 30-year fixed rate mortgage. The full methodology is included with the study results here.

Below is a chart created with the data from the last six years of the study, showing the impact of the median home price, rental price, and 30-year fixed rate interest rate used to calculate the ‘cheaper to buy’ metric.

Buying Is Now 26.3% Cheaper Than Renting In The US

In 2016, when buying was 41.3% less expensive than renting, the average mortgage rate was the driving force behind the difference. Rates this year are the highest they have been in six years which has narrowed the gap, all while home price appreciation has also been driven up by a lack of homes for sale.

Cheryl Young, Trulia’s Chief Economist, had this to say,

“One point deserves emphasizing: The ultra-costly San Francisco Bay Area is not a harbinger for the nation as a whole. While renting may outweigh buying in San Jose and San Francisco, it is unlikely that renting will tip the scales nationally anytime soon.”

Bottom Line

Homeownership provides many benefits beyond the financial ones. If you are one of the many renters out there who would like to evaluate your ability to buy this year, meet with a local real estate professional who can help you find your dream home.

#RealEstate #RealEstateAgent #RealEstateMiami #RealEstateSouthFlorida

#SouthFloridaRealEstate #RealEstateExpert #homeselling 

Check out homes for sale in Miami. Contact Ralph Magin, your trusted real estate agent, at 305-741-2142 or visit http://ralphmagin.com/ for real estate inquiries.

Ralph Magin, GRI, CRB, Broker Associate
Coldwell Banker Residential Real Estate
40 Years Experience Over 3,000 Homes Sold
305-741-2142 – RalphMagin@yahoo.com – www.RalphMagin.com

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SUNNY ISLES REAL ESTATE BIGGEST SALES (02-08-19)

 

02-08-19 Sunny Isles 1

SUNNY ISLES REAL ESTATE BIGGEST SALES

*as of February 8, 2019

02-08-19 Sunny Isles 2

WE HAVE THE KEY TO YOUR DREAM HOME. CHECK OUT REAL ESTATE PROPERTIES FOR SALE IN SUNNY ISLES .

Call now for real estate inquiries! 305-741-2142 or visit www.ralphmagin.com

#RealEstateMiami #SouthFloridaRealEstate #RealEstateSunnyIsles #SunnyIslesRealEstate
#SunnyIslesEstate  #RealEstateSouthFlorida

 

Biella Ristorante

Taste Of The Town: Biella Ristorante Takes You To Italy In Sunny Isles

 

MIAMI (CBSMiami) — With beautiful plate by plate, by plate presentation, it’s tough not to begin the Taste of the Town segment on the tasting part. But, we’ll get to that.

Biella Ristorante is located in Sunny Isles Beach. The restaurant is sophisticated with a modern, yet formal feel.

Biella is the brainchild of owner Gonzalo Carnevalli and his family. It was created for diners who want to eat food that is reminiscent of traditional Italy but served in a modern ambiance.

Biella Ristorante

“I want them to get the experience that they are in Europe. That’s the first focus and the theme of the restaurant. We brought a lot of chairs from Italy. The wallpaper came from France,

You’re in Sunny Isles but when you enter you are in Europe that’s the goal of Biella Ristorante,” said Gonzalo.

Named after a quaint town in the northern Italian region of Piedmont, Biella is all about enjoying the pure pleasure of savoring a meal down to the very last bite. Customers will be awed by the selections of high-end seafood on display – but don’t be fooled by the elegance. There’s a range of food and price points on the menu.

“You can eat inexpensively with a pizza or you can go high end with our lamb chops or lobster,” he said.

So, let’s get to the tasting part now and those Colorado lamb chops, first getting torched by Chef Jorge back in the kitchen and then plated sizzling and ready to eat.

“I’m at an Italian restaurant, but I could be at a steak place because Colorado lamb with this demi-glaze on top is perfection,” said CBS4’s Lisa Petrillo.

“It’s like going into heaven and back,” added Gonzalo.

 

Heaven is also in the duck ravioli’s made with ricotta cheese and topped with foie gras. “Rich, delicious, smooth and cooked to perfection,” said Petrillo after tasting one. “And those ravioli are cooked from scratch here every morning. I think that makes perfection,” Gonzalo said.

Biella Ristorante

We sample the rich and fatty crispy pork belly with Italian sweet sauce – and then its pastrami short rib bites made with pickled mustard seeds and bread crumble.

“A lot of people think it’s too big. But when you try them, they melt in the mouth” Gonzalo said.

We end on bread pudding with caramelized apple and cinnamon ice-cream.

Biella Ristorante, where old world Italian meets modern cooking in a luxurious space.

Biella is open 7 days a week for dinner. They include lunch on the weekends.

For more info: http://www.biellaristorante.com

Original Post Credits: miami.cbslocal.com

 

#RealEstateMiami #SouthFloridaRealEstate #RealEstateSunnyIsles #SunnyIslesRealEstate   #RealEstateSouthFlorida

Check out homes for sale in Sunny Isles. Contact Ralph Magin, your trusted real estate agent, at 305-741-2142 or visit http://ralphmagin.com/ for real estate inquiries.

Ralph Magin, GRI, CRB, Broker Associate
Coldwell Banker Residential Real Estate
40 Years Experience Over 3,000 Homes Sold
305-741-2142 – RalphMagin@yahoo.com – www.RalphMagin.com

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