Wondering what your monthly payment be? Click on the link to calculate your payment http://bit.ly/2d26uek (link also on bio). #findoutwhatmypaymentis #knowledge #beprepared #interestratesarestilllow #thisisyourtime #fajardohomesales #interorealestate #interosandimas #interosocal #callme #6265945847 #clickonthelink http://bit.ly/2d26uek

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Wondering how much you qualify for a home, but don't want to talk to a lender yet? Use the free mortgage calculator to find out! Click on the link http://bit.ly/2d26uek (link on the bio). #mortgagecalculator #knowbeforetalkingtoalender #buyingahome #whatsmypayment #whatsmyinterestrate #callme #6265945847 #fajardohomesales #interosandimas #interosocal #clickonthelink http://bit.ly/2d26uek

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Wondering what your home is worth? Clink on the link http://bit.ly/2ckRjiG for a FREE Home Evaluation. Link also available on bio. #homevalue #whatismyhomeworth #freehomeevaluation #homeprices #fajardohomesales #interosocal #interosandimas #callme #6265945847 #clickonthelink http://bit.ly/2ckRjiG

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When Is an Adjustable-Rate Mortgage a Good Choice for Home Financing?

Broken down to basics, all mortgages fall into two categories; fixed interest rate and adjustable interest rate(ARM). Each has its pros and cons, benefits depend on the buyer. While many people are currently opting for fixed-rate mortgages, ARM’s can be extremely beneficial for many homebuyers.

• Lower Starting Costs


• Lower Starting rate than fixed mortgages


• Often easier to qualify since rates and initial payments are lower. If rates rise, so can your ARM interest rate at set intervals.


• All ARMs have caps that prevent the rate from going over a certain amount


• Some programs start out with a fixed-rate period (3year, 5year, 7year)


• Interest-only ARMs are also available, perfect choice for borrowers who plan to spend a short period of time in the home

If you’re looking for smaller monthly payments and lower qualifying requirements or you plan to be in your home for a short period of time and ARM may be just what you’re looking for!

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Question and Answer…

I want to make my home more festive for the holidays. Any tips?

The holidays are an exciting and busy time of year. Whether you are decking the halls, lighting the Kinara or frying latkes, keep these safety tips in mind to have a happy and safe holiday season.

Use non-flammable candle holders, kinaras and menorahs on sturdy surfaces. Keep candles out of reach of children and pets and never leave candles unattended.

Keep live trees well-watered; dry trees can be a fire hazard.

Secure your tree with a durable stand in a location away from heat sources, doorways or high traffic areas where it could easily be tipped over. The lights and ornaments on a tree are enticing; make sure kids and pets know not to play around the tree.

Check your lights before using them to be sure all the bulbs work and there are no frayed wires, or loose connections.

Handle spun glass and artificial snow with care, following package instructions to avoid skin and eye irritations.

Be careful with ornaments and tinsel made before 1972 as well as ornaments from other countries. These decorations may contain lead.

Some holiday plants are toxic. Keep the following out of reach of curious pets and children: mistletoe, holly berries, Jerusalem cherry, amaryllis, and poinsettias.

Happy Holidays from Fajardo Home Sales!!!

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Buyer’s Home-buying Mistake #7

MISTAKE #7: NOT KNOWING YOUR RIGHTS AND OBLIGATIONS

Real estate law is extensive and complex. The contract for sale and purchase is a legally binding document. An improperly written contract can cause the sale to fall through or cost you thousands of dollars for repairs, inspections, and remedies for title defects.

-You must be certain which repairs and closing costs are your responsibility.

-You must know whether the property can legally be sold “as is” and how deed restrictions and local zoning will affect the transaction.

-If there are defects in the title, or if the property is in conflict with local restrictions, you or your Realtor must remedy them.

Otherwise, you could lose thousands!

I will assist you! I will make sure you understand the technical lingo in the sale of your home. A commercial for a local vendor states that “Our best customer is an educated consumer.” How true! It is my job to know the laws governing real estate transactions. I am involved in an on-going training program to keep up-to-date with these laws.

You deserve to have an agent who is not only knowledgeable about the transaction but is also willing to educate you throughout the process so you will feel more comfortable.

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Buyer’s Home-buying Mistake #6

MISTAKE #6: FAILING TO OBTAIN A HOME INSPECTION FROM A QUALIFIED INSPECTOR

A home inspection reports on the structural and mechanical condition of the home. After the inspection, you will have the facts you need to make a decision about buying your home.

A well-qualified building inspector who has adhered to federal licensing standards can spot problems that you might not be able to see. Expect problems to be clearly explained, repair expenses closely calculated, maintenance costs estimated, and a written report delivered within a day or two.

Most home-purchase contracts are written conditional on the outcome of several inspections. These inspections may include several items, including inspection for wood boring insects, excessive amounts of radon gas, structural soundness, and the condition of the heating, wiring and plumbing. When the contract is written, it should identify who will be responsible if there are problems with the results of any of these inspections.

If well written, home inspections can create a safety valve for both the buyer and seller. If poorly written, the result can be heartbreak and lawsuits.

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