Blogs – Page 2 – Miami City Lifestyle

North Miami Beach, Four Bedroom House for Rent, Near Houses of worship, Remodeled

[idx-listing mlsnumber=”a1606733″ showall=”true”]

Four Bedroom House for Rent, Near Houses of Worship, Remodeled, North Miami Beach
Residential Rental
Main Features
4 Bedrooms
2 Bathrooms
Interior: 1,663 sqft
17620 NE 8th Place
North Miami Beach, FL 33162

To get updates on open home dates and other property events, please click the “Like” button below:

Ismael Gonzalez Ismael Gonzalez

South Florida Brokers & Associates
(786) 295-6797   

Listed by: South Florida Brokers & Associates

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Williams Island unit 1211 For Sale M1472982


Amazing priced unit in Williams Island “The Florida Riviera” is upgraded and has amazing amenities included. Unit has the most beautiful views of the Miami Skyline, The Bay and The Ocean. Located in the famous Williams Island Marina and near Aventura Mall, Shopping, Restaurants and Houses of Worship.

[idx-listing mlsnumber=”M1472982″ showall=”true”]



Floreclosed properties on tenants records, not a problem for landlords

According to the Florida Association of Realtors, in a study (poll) done, in LOS ANGELES – May 6, 2011 – More than three-quarters (82 percent) of independent landlords say they would rent to someone who lost a home in foreclosure, assuming the applicant traditionally had good credit, according to a survey released today by The National Association of Independent Landlords.

“Landlords typically won’t rent to applicants with poor credit – and a foreclosure will absolutely slam someone’s scores. The exception is when they see people who have paid their bills their whole life but lost their job, can’t meet their mortgage and must hand their keys back to the bank,” says Tracey Benson, president of The National Association of Independent Landlords.

Despite recent credit problems, Benson says applicants with a foreclosure can prove good risks, chiefly because they did once own their own home. “These people are used to taking pride in where they live.”

Increasingly, mortgage defaults stem more from lost jobs rather than borrowers who had a toxic mortgage they could not afford. A thorough background check usually indicates whether financial woes are part of a recent spate of bad luck or a life-long trend.

The National Association of Independent Landlords polled 563 members from March 21 through March 25, 2011.

© 2011 Florida Realtors®

We want to thank the Florida Association of Realtors for continually bringing us this information.

Least Expensive 3/2 Water front condo in Aventura

Luxury Aventura_Water View_Condo_Village by the Bay




Main Features
3 Bedrooms
2 Bathrooms
12103 Units
Interior: 1520 sqft
3255 NE 184 Street
Aventura, FL 33180
To get updates on open home dates and other property events, please click the “Like” button below:

Ismael/Isela Gonzalez

Ismael/Isela Gonzalez

South Florida Brokers & Associates
(305) 940-7322

Listed by: South Florida Brokers & Associates

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Recently created Uniform Guidelines for Foreclosures

The Feds recently adopted guidelines which will apply to Fannie Mae and Freddie Mac backed loans which are possible foreclosures. These changes may take effect as soon as the end of 2011.

The new guidelines will include the following:

Servicers may not apply the “dual track” tactic; that is to say a servicer may not both work with a borrower to avoid foreclosure while at the same time proceeding with a foreclosure.

Loan servicers must contact a borrower as soon as they enter the delinquent status with their loan and as long as both parties are showing “good faith” to resolve the issue a foreclosure may not be started.dropping prices

Servicers must “formally” review each case before starting a foreclosure.

There will be rewards for fast loan modifications; the lender / servicer will receive $1600 for a loan modified in under four months, those that take longer will have reduced rewards.

If a foreclosure is already in process and the servicer works out a modification the servicer may still be eligible for a reward.

The entire modification process is being simplified with less forms and less red tape.

If you are a borrower / home owner and you are having trouble with your loan payments be sure to contact your lender, be proactive; you may be able to modify instead of allowing your home to go to a foreclosure sale.

Are increasing insurance rates making home ownership unaffordable?

Are increasing insurance rates making home ownership unfordable? The rise in homeowner’s insurance premium is making home ownership more costly. Citizens Insurance the state’s largest insurer can be expected to ask for yet another rate hike.Insurance Picture

Homeowners are really starting to feel the pinch across the state.  Citizens currently has over 1.3 million policies written with 45% of those policies located in Miami-Dade, Broward and Palm Beach counties.  Owners in these higher risk areas of South Florida find themselves having to turn to Citizens as this is the only option they have in many cases.  Several private insurance companies will not write wind policies in these counties east of I-95 (obviously a heavily concentrated area).

Citizens had an increases of 10% granted in September 2010 which took effect on most policies in January and February 2011; and policy holders can expect an additional increase to be passed this year of up to 11.2%.  Although the maximum hike is currently capped at 10% annually, there is legislation which may go to the floor as early as this week which would increase the cap to 15%.

However, policy holders must also realize that citizens had a rate freeze for three years (2007, 2008 and 2009). Therefore prior to 2010 the last increase was in 2006.

If you are in the market to purchase a home be sure to check the insurance rates you will be paying during your due diligence period.  Your realtor should be able to refer an insurance agent.

If you are a current home owner and you are experiencing rate hikes contact your insurance agent prior to the renewal of your policy and explore options to reduce your rate.  Some policies may allow you to reduce the amount of insurance for personal property or perhaps they allow you to insure the depreciated value versus the replacement cost of your personal property.  In addition, a homeowner could consider raising their deductible to offset costs.  Although no one wants a higher deductible when a storm hits or other mishap occurs measuring out your options is always helpful.