5 Must-Do Moving Tips for Parents

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5 Must-Do Moving Tips for Parents

So, the old house is sold and the new one has been purchased. Or maybe you are still in the process of doing one or the other but have solidified your decision to move homes. Either way, CONGRATULATIONS! Both of these instances are a major victory for any household and a big step toward the next chapter in your lives. 

However, the journey is not yet complete until you make the move to your new home. If you have children, this part can be particularly challenging. That’s why we’ve listed these five practical moving tips for parents.

1. Have the conversation

The first thing you want to do is tell your children that you are moving. If you have gone through the process of getting a new home, they may already know. But if not, tell them what’s going on as soon as possible so that they will feel included. 

Give them an opportunity to ask questions, and give them as many details as necessary for their age. Also, you may need to walk them through the emotions they are feeling and ensure them that everything will be okay even though you’re going through such a big change. 

2. Consider movers

Early in the moving process, think about whether to hire movers. Yes, it adds to the costs, but it can also take a lot of stress out of an already stressful situation. Do online research, read reviews of various moving companies, and try to meet several movers in person to discuss their processes. 

How much you can expect to pay depends on whether it’s a local or long-distance move, the total weight of the items being moved, and even the day of the week you move, among other things.

3. Create an open house checklist 

If your home is on the market (or you’re planning to put it on the market), one thing that will help the selling process go more smoothly is to write out a checklist for any tasks that need to be completed before showing your home to potential buyers. That way, you and your kids will know exactly what to do on short notice. Boosting the lighting, putting away valuables, neutralizing odors, and getting the pets out of the house are a few tasks you might consider for your list. 

4. Make a plan for moving week 

The last week before your move should be as stress-free as possible, and the only way to achieve that is to make a plan with your kids. Make sure everyone is on the same page when it comes to what you’re eating, when and how you’re packing, how you’ll keep the home clean, and how each person will be traveling to the new home. 

5. Include your kids 

Most children deal with relocating much better when they feel included in the process. Assign your kids age-appropriate cleaning tasks, even if it takes you a little longer to do things. Allow your kids to choose which items to keep when you’re decluttering, as well as what to pack away and what to take with them on the road. And ask their opinions on certain decisions to let them know that they have a say in the matter. 

Moving can be difficult for anyone, but it’s notoriously challenging for parents. Remember to talk to your kids about the move as soon as you can, and think about hiring a moving service to relieve you of some of the burdens. Come up with a checklist of tasks to tackle before an open house, and detail a plan for moving week. Finally, make sure your kids feel included throughout the entire process, and things will go much more smoothly!

If you have any questions about moving into a new home or for advice on moving, contact us today! We are your Central Florida real estate experts! 

Written for Waypointe Realty courtesy of Alexis Hall of singleparent.info

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How to Improve Your Credit Score

On this webisode of our series, Real Answers to Real Questions in Real Estate by Experts, we have invited Rayce Robinson, with Mid-Florida Mortgage to discuss how to improve your credit score. 

Your credit score is one of the main factors in purchasing a home. Without a strong credit score, you may not be able to qualify for a loan.

The three main areas that count in determining a credit score:

  1. Payment history (makes up 35% of credit score)
  2. Credit utilization 
  3. Length of credit history

In this segment we address the following questions to help potential home owners get ready to purchase a home and get those credit scores where they need to be in order to get the best deal and on their mortgage loan:

  • As people are looking to purchase a home, they start realizing what an important role credit plays in getting pre-approved. When people have low credit scores, what is one way they can start getting their score up?
  • How long does it typically take to raise a credit score 50 points? 
  • Is there a science to doing it?
  • What is a good credit score to aim for?
  • If someone has a credit score below 600, how long will it take to get it where it needs to be in order to buy a home?
  • If someone has a low credit score but has the funds to purchase, can they qualify or is it best to wait?
  • Does credit score have any effect on the interest rate a buyer can secure?
  • How important do you think it is to get pre-approved right up front?
  • If someone has filed for bankruptcy or has undergone a foreclosure or short sale, when can they qualify for a loan to purchase a home?

If you have any additional questions on credit score or getting ready to make your move, contact us today! We are your Central Florida real estate experts! 

Transcription of Video:

How to Improve Your Credit Score

Jenelle Ferrer: [00:00:02] Hey everybody, this is Jenelle with Waypointe Realty and I have a very special guest today that you may recognize from past videos. I have Rayce Robinson from Mid-Florida Mortgages with me. So hey, Rayce. Thanks so much for joining.

Rayce Robinson: [00:00:15] My pleasure.

Jenelle Ferrer: [00:00:16] So on this webisode of our series, “Real Answers to Real Questions in Real Estate by Experts,” we’re going to be discussing how to improve your credit score.

Jenelle Ferrer: [00:00:30] So, your credit score is one of the main factors for purchasing a home. I can’t tell you how many requests I’ve had recently for people interested in purchasing, but they have a credit score below 600. So, how do we get this credit score up? We’re going to be doing a few questions that we’ve been asked and presenting this over to Rayce, who is a mortgage expert, to make sure that we can get the right answers to your questions. So Rayce, when people are looking to purchase a home, they start realizing what an important role credit plays in getting pre-approved. So, when they do have low credit scores, what is one way they can start getting those scores up? Because we know that not all of them will qualify below a 600 credit score. So, what are things that you recommend to start them on the path and trajectory towards getting that credit score up?

Rayce Robinson: [00:01:21] So, that’s obviously the most asked question. And usually, as you know, people often wait to the last minute. They see a house they love, then they’re like, ‘hey, let’s go get pre-approved for a mortgage.’ So unfortunately, with credit it takes time. You know, there are some things we’re going to talk about in this video that are quicker than others, but really it does take time. If you look at the way that credit breaks down, the way that credit bureaus look for credit, they look at payment history, that’s 35 percent of your credit score. Really, that is not anything that you can do except have the payment history over time. So, that’s one, but it’s a big chunk.

Rayce Robinson: [00:01:59] Credit utilization, which is the one that we’ll talk about where we do manipulate, especially often during the loan process and stuff like that, and that’s their available credit. And those kinds of things, length of credit history, meaning if someone’s 18 years old, they’re not going to probably have the same credit as someone that’s 50, and there’s little things like new credit and credit mix.

Rayce Robinson: [00:02:19] So, credit utilization and not being maxed out are probably the big ones that I see that people can manipulate. A lot of times when referred to me or an agent sends me someone, I’m looking at their credit. Usually the first thing I’m looking at is overall credit utilization. And are they maxed out, meaning on any given card, if they owe more than 50% of the available balance, they’re starting to get a negative rating, because if you’re maxed out on the card, they roll that interest on top of that payment. So if you have a $5000 balance now, it’s $5,050. Right? And you’re paying that $50. So paying credit cards down is probably the easiest and the best way to get someone’s score up if they have a lot of time to do that.

Jenelle Ferrer: [00:03:15] So you mentioned something that I heard recommended as well from our buyers: ‘I have to wait to pay off my car’ or ‘I have to wait, I’m going to try and sell my car so I can pay it off.’ It’s interesting that you’re talking about your revolving credit and capping out on your credit score, because that actually also affects the mortgage or the debt-to-income ratio. So, they kind of work hand-in-hand, right?

Rayce Robinson: [00:03:38] Yeah. And it is a dance with most people because they have a limited amount of money. Most people are normal people and they’re working with X amount of cash. So I’m trying to figure out how to leave them enough cash to buy a house and then pay the credit card down. And then, of course, the debt ratio or sometimes they may have to pay something off, which is different than maybe the credit report. But it’s all part of that pre-approval process. So, yes, it’s all one giant conversation on what someone needs to do.

Jenelle Ferrer: [00:04:06] Absolutely. So I know that you’ve worked wonders because typically we tell people 640 is a safer place to be because of FHA and all of those other loans that qualify, at least for a 640. But you’ve closed as low as a 580 credit score.

Rayce Robinson: [00:04:22] 560, really. So it’s possible. What I tell people with lending is think of it as a box. So, there’s a box that most banks lend in and it doesn’t really matter whether you’re talking to me or any other bank. You know, Fannie Mae, Freddie Mac, FHA, they’ve all got their guidelines of what they’re looking for.

Rayce Robinson: [00:04:43] You get outside of that box, meaning lower credit score, or maybe they haven’t been self-employed long enough, or things that aren’t normal. But in this case, let’s talk about score. Then there’s going to be other factors that are going to come into play. Meaning if you have a 570 credit score, it’s going to be difficult to do. Now you need a lot of reserves or now you can’t be getting gift funds, a lot of the things that you can do on a normal transaction. Those are gonna be wiped out. So, I say that we do, and I see people advertising it online. I would say it’s more of a loss, because 1 out of 30 or 40 people meet those guidelines where they can do a really low score like that. So I really try to get people 620 and higher. To me, that’s kind of a target.

Jenelle Ferrer: [00:05:31] So, I mean, that’s a great point because really if you have a low credit score because something happened in your life, but you have the funds to be able to purchase a home, you can still potentially get a loan. So, that’s when I think the 580 is 560 credit score is more appropriate. Is that right? They have to have at least the money to be able to put down.

Rayce Robinson: [00:05:46] Yeah. And they’re really looking at the last 12 or 24 months. So, you know, people went through a bad time economically, which happens, like right now. But if you straighten up your credit for 12 or 24 months. So this particular person that I’m thinking of, how to score closer to 560ish. But the last 24 months, they had no late payments. And so we could kind of hang our hat on: here’s what happened here, because we’re really building a story for someone with lower credit on, ‘Why is this person with lower credit financeable? They got assets and all these things that we’re looking at.’

Jenelle Ferrer: [00:06:25] It’s interesting you say that because really your credit score actually paints a picture of who you are or the decisions you’ve made or responsibility, etc. And even things that have happened in your life truly affect your credit score story, so to speak, because you guys basically can paint a picture of the type of buyer. The reason why the credit score is so important is because it really shows how risky this buyer potentially is. Is that right?

Rayce Robinson: [00:06:52] Yeah. I mean, think about it. Credit, down payment, debt ratios are the big three. And then credit being the big one determining so many of those factors. How high of a debt ratio will the lender go? What kind of rate are you going to get with those kinds of ratios? It’s the big one of the three, for sure.

Jenelle Ferrer: [00:07:08] Absolutely. So bankruptcy, short sale, foreclosure, if people have experienced these, which has happened in the past, how long before a bankruptcy comes off? I know it’s seven years or even 50, depending on the bankruptcy filed before it comes off. But how is that going to affect their credit to be able to purchase a home? And how long would they have to wait after a short sale or bankruptcy or foreclosure?

Rayce Robinson: [00:07:32] That’s a great question. It does get complicated. I did a video on that once because FHA has a different guideline than V.A. and Fannie Mae.

Rayce Robinson: [00:07:39] And so what in general, most people are going to be waiting about four years to do some kind of conventional loan, on average, if they do a bankruptcy. And then on FHA, it’s going to be two or three years, probably usually three before they can look at it now.

Rayce Robinson: [00:07:56] Well, you bring up as a great point. Sometimes people get past, say, the three years where they could maybe go FHA again, but they haven’t done enough to bump their score up. In the meantime, even though we get past that three years, you really have to work hard after something like that happens in the past to get your score up, because that’s automatically bringing your score much, much lower. I don’t know the exact number, but my guess is if you don’t do anything, you’re in the 500s when you get right off bankruptcy or foreclosure or something like that, so you really are starting from there trying to get up. And I’ve seen people with a B.K. with scores back over 700 by doing some of the right things.

Jenelle Ferrer: [00:08:37] So what does the credit score number start? So, you end up in 500 after bankruptcy. Does it start at five hundred?

Rayce Robinson: [00:08:44] No, in fact, it’s down to I think the actual numbers are 350 to 850. Really most people, though I would say 95 percent of people, are going to fall between 500 and like 770. So I mean the people you know, I haven’t seen too many people below 500 get over 800. We’ve seen a couple but they are overachievers or something.

Jenelle Ferrer: [00:09:13] So, what is a good credit score to aim for realistically? If people are under 600, what’s something good that you’re like ‘all right. Once you’re at this point, this is going to be much smoother sailing. But you know, under 600 this is going to be really rocky territory.’

Rayce Robinson: [00:09:28] I mean, 600 is a good number and 620 is like for a Fannie Mae loan or conventional loan, which is what a lot of people do, you have to be 620 or higher to even consider a conventional loan. Truthfully, if your credit score is 620 you’re probably going FHA anyways because Fannie Mae has a big, big overlay on interest rates where FHA doesn’t. This is the really cool part. You know, when you can take them with a 620 score and give them a fairly competitive rate where they’re going conventional and they’re looking at the rate going ‘wow.’ And that’s because Fannie Mae overlays their pricing to any bank that we work with and really bumps up that score or bumps up that rate with a low credit score.

Jenelle Ferrer: [00:10:11] Ok. Good to know, so 620 now. Now this is going to be our next session where we’re going to talk about real estate myths that are happening right now. But is it true that they are going to be raising the minimum score to 675? Do you know anything about that?

Rayce Robinson: [00:10:28] Yeah, so lenders and if people follow the news that are calling the mortgage crisis, which I think is more of a headline grabber. But there are some liquidity issues in the backend of these markets, meaning when you pay your mortgage payment off and you’re paying that to a servicer and that servicers paying to the people that own the asset. Well, even though all these people are on record forbearance or not paying anymore legally the government’s basically said as part of their CARES Act, that they’ll still have to pay creating liquidity in the market. So I would say, no, you can still do a low credit score, but it is taking more time upfront to really have somebody look at your situation and make sure they really have a good picture of where you’re at and put you with the right lender, because not every lenders are going to chase this analogy. They’re only doing 700 scores and higher. So, there are some banks that are doing that.

Jenelle Ferrer: [00:11:24] So, how long would it take to increase a credit score just 50 points if they listen to the basic things of paying off your credit card, not maxing out on your credit debt? How long would it take to just increase maybe 50 points on average?

Rayce Robinson: [00:11:41] So, it’s always a time versus what you can accomplish ratio. So, you know, a lot of times, unfortunately, when I get someone, it’s pretty quick. Meaning they’ve talked to you and they’re like, ‘hey, we want to buy a house.’ Of course we want to get them now while our rates are good and before prices move up. So, normally we’re looking at paying down debt and things like that. That can happen really quick. We can even do rapid rescores where I can literally have someone pay their debt down today and do a rapid rescore tomorrow and within three to four days have an updated credit score. And that could easily be in some cases, 50 points.

Jenelle Ferrer: [00:12:20] Wow, OK.

Rayce Robinson: [00:12:21] Now, ideally, what you’re saying is correct. You really would want to reach out earlier because if you have more time, there’s more things that you can do that are going to maybe have a bigger impact. But probably most of the time when I’m dealing with just because of the time frame is paying debt off, you know, typically what we’re doing now.

Jenelle Ferrer: [00:12:40] This is actually really good news for people who do have lower credit scores, but want to try to get their credit score up and buy now while the interest rates are really, really good because we know that the interest rates are going to go up. It just is one of those things that keeps being talked about and mentioned in the news consistently. And so we try to tell people, you buy a $250,000 house now, add a 3.5 – 4 percent interest rate. You’re going to get a lot more bang for your buck than if you try to buy a house for $250,000 at a 5 percent rate. You know, based on your interest rate. So, question, does your credit score have any effect on the interest rate a buyer can secure?

Rayce Robinson: [00:13:30] Yeah, it has a big effect. I would say so. Again, FHA has the least effect. Fannie Mae and conventional loans has a huge effect. So, even if you know about people putting 30 percent down, which is a pretty big down payment and still getting a rate .5 to 1 percent above the market because of the overlays, Fannie Mae basically has about eight tiers all the way from 620 to 740. So, depending on where you fall in that tier as a broker, I work with lots of different banks. The banks all across the board have to take those same overlays to be able to to get the pricing.

Rayce Robinson: [00:14:06] So, for most people, it’s going to impact their rate that they’re good and that’s going to impact how high they qualify up to, how much buying power that they have.

Jenelle Ferrer: [00:14:16] Absolutely. And that is a great point. I know some of the questions that I’ve seen in the past are, you know, as agents talk to me because the buyer wasn’t pre-approved prior to now. We don’t have that issue because when we list our properties, any offer that comes in, we vet through the lender that they’ve selected. And we do the reverse as well. We won’t work with any buyers until they get pre-approved for two reasons. We don’t want to waste their time and we don’t want them to get excited about a property that they can’t afford. And if they’re not ready or willing to put in an offer, there’s no reason in looking at homes because it’s not going to be available by the time they are ready. So, we want to make sure that people are successful in their home search upfront. So, when people have a low credit score and we send them over to you. When we get that response, how soon can you get a pre-approval back?

Rayce Robinson: [00:15:11] It’s going to depend on their situation. And that’s where having good communication because, you know, a question I was thinking of for you when you were talking is, do you have people that actually have pre-approval letters that seem like they’re ready to go, where you find out they weren’t pre-approved or they weren’t really ready to go or they really just didn’t know what they should know to be out there looking for a house? Do you run into that with buyer?

Jenelle Ferrer: [00:15:37] Not necessarily. Well, when we work with buyers, remember, in our process, in our consultation, we make sure that they have a pre-approved letter before we go. We don’t take pre-qualification. We want to get approvals because if they look, we want to make sure that we can move on it right away without any hindrance. Now, I’ll tell you on the listing side, when we’ve listed houses and have multiple offers, we call every lender and we make sure that we are vetting the lender and we’re asking specific questions without, you know, going into information or questions we’re not legally allowed to ask. But we do ask them, how qualified are they? How sure do they think this is going to close? And we’ve got information that literally has swayed us from one buyer to another, because of your lender and gotten the deal closed and the seller is happy as all get out because we’ve vetted them. We make sure that they will qualify, because the last thing we want is to have done that and not gone the route of vetting them, accept this offer, and then all of a sudden now they can’t get financing because it was a few points off or they made a purchase that threw all of their numbers and now they can’t qualify for a house. So, we do. But talk about some of those things, because it’s happened only once in nine years to me and won’t happen again. At least not as much as I can help it. Look, people making a purchase before closing that skews their numbers just enough, or now their credit score and their debt to income ratio is just off enough that they can’t qualify for a loan. Can you talk a little bit about that?

Rayce Robinson: [00:17:14] Yeah, I mean, most people understand they’re going through a loan process and try not to do certain things. But over the 18 years, I have seen a guy buy a car in the middle of the transaction, which, you know, I was really nice to him. But I’m like, ‘hope you like sleeping in the car, because that’s that’s really messed for debt ratio.’ So, I think people I’ve seen people put their name on a website and get like a 100 credit pulled all of a sudden that, you know, because they basically offered their information online. And there’s even banks out there that are doing photo online pre-approval letters and I’m not going to mention who they are. But if you think about it, you know how much time we spend with people to make sure they’re ready to go. And if you could just type your name, a number, and they could pull your credit automated and give you a pre-approval letter, it’s not doing that client a service either, because, you know, if it doesn’t work out, it’s usually the client that loses things for money on an appraisal, that’s the main amount inspection and escrow deposit put up. And so, you know, they really want someone to take that time and to be honest with them. you know, you’ve had this conversation, someone that is super excited to buy a house and they’re ready to put an offer in tomorrow and I look at them and like it’s going to be 30 or 60 days because we need to do these things to make sure you’re successful as a buyer.

Rayce Robinson: [00:18:33] The last thing I want you to do is go out there, spend all this money, and you do not become a successful homeowner. So, some of it is just being honest with people and letting them know exactly where they’re at. Have a very clear plan on what they need to do, whether it’s paying off debt or whatever the situation is, and then communicating, you know, with the agents so that they’re also having everyone on the same page makes it really, really well when you’re out there putting offers and you know exactly where that buyer’s at as far to help closing costs or close this particular buyer. Things that you need to know.

Jenelle Ferrer: [00:19:10] I mean, all great points, there’s just so many so many little things that people can do to help improve their credit, especially starting to get out of debt. I think getting them connected to a lender right away, I mean, that’s something that you do, is that we say, ‘listen, we need you to contact Rayce immediately so that we can get you on a game plan. Because if we can’t get you in time for this lease, we don’t want to get you a property before you have to renew your lease next year.’ And we are okay with putting people on hold in order to get their credit score up because it’s going to save them more money. We want to make sure that we have a good plan of action for them and that they feel comfortable and ready and know exactly what to do with their credit score and with their debt. Is there any other advice that you have for people as we’re wrapping this up? What other tips would you have for people that are ready to buy a house, but their credit score is between 550 and 580? What would you recommend?

Rayce Robinson: [00:20:06] So, two things come to my one. Be careful of the mortgage mess out there. I mean, we’re in the YouTube generation. I do videos. I know you do, too. But there is a lot of bad information out there. And so I see people doing things that are really old school; disputing trade lines, adding authorized user account, and there are certain things that may pull your score up, but lenders are aware of what you’re doing. And we have to undo a lot of that and actually delay. So, now I will say, you know, if you have really bad credit, meaning, you know that you’ve got late payments and all these things, sometimes you just have to bite the bullet and hire a credit repair company because lenders are not credit repair. They may know a lot about credit from looking at it, but there are some sophisticated things that somebody that works with credit all the time can do. You know, they can dispute things and then remove those disputes and they know what they have, where to start and where to end up. And so I do sometimes look at a client and say, ‘look, I don’t have the skill set. I’m not a credit repair, but I can help you become a home buyer.’ And, you know, just like you have lender contacts, I have people that I trust that I might say, ‘hey, you know, here is someone you could contact that could at least talk to you about that, where you could hire an expert to do that.’. So one, I would say be careful of the myths out there. People do these quick fixes and then they end up hurting themselves.

Rayce Robinson: [00:21:31] And then the second thing is you can get a free credit report. Remember, my score is going to be different. And that’s the most frustrating thing. Different industries have different models. So really, if you’re going to get a mortgage, have a mortgage company for your credit and that’s who you want guiding you through the process of what to do and not do regarding your credit.

Jenelle Ferrer: [00:21:58] Great, great point. I mean, everything you just said there is really important when. I mean, I think my best plan of attack is to send them over to you and you can let them know what the next steps are and whether or not they do. You need a credit repair company because not every credit repair company is going to be a good one. Some of them do like what you said, basically slap a Band-Aid on there and a lender is going to pick that up and say, ‘oh, I’m so sorry. This is not gonna work. You know, we’re seeing that this is, you know, either fraudulent or put a Band-Aid on there just to kind of wipe it away. But we see it clear as day. And so you’re not gonna be able to pull that wool over our eyes’ kind of thing. So, I think that that’s usually the best thing. I mean, I personally, as a real estate professional, would say we need to contact a lender right now. We need to see where your credit score is with the soft pull and see what we can do. And if we need to take an in-depth look, then go from there. And then those next steps will determine whether or not we’re going to be able to start shopping. You know, we can’t shop for a home if we don’t know what number.

Rayce Robinson: [00:22:59] And don’t wait. You know, I think you and I both would agree with this, that if you’re six months out, go ahead, call now. Look, we would rather talk to someone upfront even if they have a higher credit score. Sometimes it’s good for me just to look when your credit has no effect. You only have one reason to have a credit report and that’s for somebody to pull it in 18 years. I’ve never pulled someone’s credit, had any negative effect on them getting a loan. So whether you have an 800 credit score or 500 credit score the sooner out you look, because there are discrepancies that do show up on a credit report or things that are fixable, but only with time. So, my thought is the second you start thinking, ‘hey, we’re going to buy a house this summer, next summer,’ then you should look because I don’t mind, like you, working with someone eight months out.

Jenelle Ferrer: [00:23:47] Absolutely, and I love that point. I’m going to emphasize that again, you pulling their credit score is not going to drain their credit that it’s not going to hurt them. You’re literally just looking at what they have. How long does that stay open when you do a credit pull? 

Rayce Robinson: [00:24:05] It’s usually 120 days. And there’s a bunch of weird rules like you can actually have other lenders pull it and it won’t count as an inquiry. A lot of lenders will try to scare you and say, ‘now that I pulled your credit. Don’t let anyone else pull it. I mean, we have no lender fees. We don’t charge application fees. We try to earn your business every step of the way. We never called you that.’ You know, lenders should do that. So don’t be scared. You have an 800 credit score and you’ve talked to a bank and you want to talk to me or someone else, there is no issue with you getting your score pulled responsibly. That is the only reason you actually have a credit score is to go out and get credit.

Jenelle Ferrer: [00:24:47] That’s the only reason you need. So, thank you so much, Rayce. This was wonderful. I know that we’re almost at twenty five minutes. But I mean, this is a conversation that is very important. And I can not emphasize how much we’re talking about this right now. We have a lot of buyers that unfortunately their credit scores are just not where it needs to be. But at this point, just talking to you can get them on a really good plan to get them to even purchase in a few months or even by the end of this year. So, thank you so much for your time. Guys, if you guys have any questions, you can feel free to contact us directly on Facebook. You can find Rayce — We’re going to have their information here tagged as well. You can reach Rayce directly through his website.

Rayce Robinson: [00:25:28] You know, just go to RayceRobinson.com. And I have everything on there.

Jenelle Ferrer: [00:25:37] All right. You guys can visit us at WaypointeRealty.com. We have a great page that you’re going to be able to find on our homepage that is frequently asked questions for home buyers. And we have 24-25 questions that are the top questions asked by first-time homebuyers. But it’s great for anybody and some of these credit questions are answered there as well. So, thank you guys so much for tuning in. And we hope that you guys have learned something. Take care.

Virtual Home Shopping

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Find your next home, from the comfort of your current home!⁣

NOW More Than EVER Having a “TECH SAVVY” Realtor is a MUST!

Why is this?

The world as we know it has changed! The way of doing business has changed drastically -the same goes for the real estate industry! Nowadays people are relying heavily on the internet to shop for anything from groceries to houses!

The real estate industry is now virtually DIGITAL (no pun intended).

For many real estate agents, this has stopped their business dead in its tracks because they don’t know the first thing about DIGITAL MARKETING! The “old-school” approach to real estate has gone out the window, and only the innovative and creative agents will survive!

Digital Sales & Marketing is nothing new to Waypointe Realty!

WHAT WE DO, TO NAME A FEW…

FaceTime/Skype/DUO Showings

Facebook LIVE Stream Videos & Grand Opening

STRICTLY Pre-Qualify BUYERS BEFORE Showing

Neighborhood/Community Virtual Tours

Professional Photography (+ Aerial & Drone)

ZOOM Virtual Listing Appointments

Staging (Both physical and virtual)

Virtual Showings in Lieu of In-Person Showings

YouTube Property Channel

Targeted Online Advertising & Social Media Advertising

Online Property Syndication on thousands of websites globally 

Here’s how it works:⁣

1. GAME PLAN: Send us a message so we can set up a virtual consultation to go over a game plan⁣

2. HOME SEARCH: We will send you listings that match your criteria and set you up to receive emails as soon as a listing that matches your criteria hits the market⁣

3. VIRTUAL TOUR: See a home you like? Let us take you on a virtual tour!⁣

4. OFFERS & SIGNING: This can all be done electronically, and usually is!⁣

5. ESCROW DEPOSIT: Can be done via wiring directly from your banking institution

6. INSPECTIONS: An inspector you hire will send you the inspection report so you know all ins and outs of the property⁣

7. CLOSING: A mobile notary will bring the closing to YOU! ⁣

8. KEY TIME! We will deliver your keys to you and you can move into your new home sweet home!⁣

If you’re thinking about buying, this is a great time! Interest rates are still low and we have great financing programs available to help you get into your dream home. Just contact us here or at 407.801.9914.

Real Estate and Covid-19

What’s happening in real estate today?

The arrival of the Coronavirus pandemic in the U.S. has meant the upheaval of virtually every business, industry and household. The mortgage industry is no exception. Whether you are a homeowner who wants to keep their home, are trying to sell real estate or are hoping to buy a home, then the current state of the mortgage industry is of critical importance.

Here is a look at some of the ways in which COVID-19 is affecting the real estate market in Orlando and beyond.

Mortgage Rates Are Fluctuating

In recent weeks, the Fed brought interest rates down to zero in an effort to stabilize the deteriorating economy. That may make it seem as if mortgage interest rates also should shift downward. Freddie Mac reported that on the week ending March 19, the fixed-rate, 30-year mortgage carried an average interest rate of 3.65 percent. That number represented the largest one-week increase in mortgage rates since November of 2016.

Only two weeks earlier, rates had hit a record low of just 3.29 percent.

Why are rates going up while the Fed ostensibly is slashing interest rates to zero? It’s because mortgage rates tend to follow long-term bond yields more closely than the Fed’s interest rate.

Another factor that’s contributing to the rising rates is that lenders are raising rates to cope with an increased demand for refinancing that was in-progress just before Coronavirus hit in the U.S. Analysts suggest that the rates will fall again once the backlog of refinance applications has been worked through and the markets begin to stabilize. However, as the Coronavirus pandemic continues, things likely will remain volatile for weeks to come.

Early April saw rates decline again to the high 3’s (3.9%), but criteria for buyers is a little tighter. Lenders have raised their credit score minimums to mid-to-high 600’s.

Fewer People Are Shopping for Homes

While a backlog of refinance applications currently exists, lenders are seeing a definite drop off in new applications for refinances and purchases. Simply put, potential refinancers and buyers in Orlando are distracted by COVID-19 and all of the changes that it has brought. At a time of great uncertainty, fewer people are looking to become homeowners, at least for the moment.

Home Sales Are Down

As people across Florida and other states are being forced to stay at home, a decrease in home sales has become inevitable. This may be concerning for people who currently have a home on the market, but rest assured that this downturn is likely to be temporary.

Once the stay at home restrictions begin to lift, home buyers are bound to come out in droves. At the same time, we are likely to see a downward trend in mortgage rates, making it easier for buyers to obtain the financing they need.

In spite of this, real estate is still considered ESSENTIAL and we are still selling and helping buyers purchase real estate. There are precautionary measures in place to maintain the legal and safety standards.

Missed Mortgage Payments Are Inevitable for Some

Statistics suggest that some 47 million jobs may be lost in the U.S. during the pandemic, leading to an unemployment rate of 32 percent. Many of these people are homeowners, and the sudden loss of their income will inevitably mean missed mortgage payments.

Many lenders are working hard with their customers to accommodate the need to skip a month or two of payments. However, there is some fear within the mortgage finance system of a general collapse based on the sheer volume of missed payments. Lenders are hoping to negotiate with the Federal Reserve to step in with emergency loans to help mortgage companies maintain liquidity until the crisis passes.

No such relief was included in the recently passed $2 trillion rescue package, but lenders hope that this will be remedied in the next bill.

Have you lost your income and need assistance with your mortgage?

Do you need to apply for a forbearance?

Are you a small business struggling with payroll or expenses?

Don’t know whether or not you can keep your home or if you have to sell?

Need to move but uncertain about the market?

Turn to a Trusted Real Estate Company for Information

Whether you are a homeowner, a buyer or a seller, you can trust us to provide you with the guidance and advice that you require. No matter your needs, we are a reliable resource for everything relating to real estate in Oviedo.

If you answered YES to any of the questions above, contact us at 407.801.9914 or email at info@waypointerealty.com for the best resource to help you through these uncertain times.

Oviedo Neighborhoods and Communities

  1. Aloma Woods – Partially gated community located off S.R. 426 south of Oviedo. 200+ homes range from $160,000 to $425,000 in the estates section.
  2. Black Hammock Community – this rural community without an association is made up of hundreds of homes and vacant land ranging from 1-20+ acres. Properties average around 5 acres each depending on the age of the home and the location within the Hammock. Homes can range from mobile homes to cabin and large custom homes and prices are just as varied. When there are homes available, they can range from $150,000 to $800,000. 
  3. Bentley Woods – Centex-built subdivision located on the north side of Oviedo, just south of SR 434. 200+ homes ranging from $175,000 to $275,000.
  4. Brighton Park – Located in Oviedo, just north of the University of Central Florida, Brighton Park is the most upscale subdivision in the Carillon development. There are around 300 custom built homes ranging from $250,000-$400,000.
  5. Cardinal Glen – Located off McCulloch Road south of Aloma Ave. in Oviedo, Cardinal Glen is a gated 40 lot subdivision with custom homes ranging from $350,000 to $500,000.
  6. Carillon – Just north of UCF, Carillon has just over 800 homes ranging in price from $175,000 to $450,000.
  7. Chapman Groves – Located off Chapman Road in Oviedo, just east of Alafaya Trail (434). Chapman Groves has 108 homes with large lots ranging from $200,000 to $350,000.
  8. Chapman Lakes – Located off Chapman Road in Oviedo between Alafaya Trail and Aloma Ave. (426), Chapman Lakes is a gated subdivision homes priced from $250,000 to $425,000.
  9. Ellington Estates – Located off State Road 434 in Oviedo, Ellington Estates is a 30 lot custom home gated community with homes priced from $400,000 to $800,000.
  10. Huntington – Located off Chapman Road in Oviedo, Huntington is a wooded 173 lot subdivision with homes ranging from $275,000 to $700,000.
  11. Kingsbridge – Located off Mitchell Hammock Road in Oviedo, Kingsbridge is a 435 lot subdivision divided into east and west sections. Prices range from $175,000 to $425,000, with homes on Long Lake topping the $800,000 mark.
  12. Lafayette Forest – Located off Citrus Ave., just north of Red Bug Lake Road in Oviedo, Lafayette Forest is a 92 lot custom home subdivision with homes ranging from $225,000 to $325,000.
  13. Little Creek – Located on both sides of Lockwood Road in Oviedo, Little Creek is a 442 home subdivision divided up into several smaller neighborhoods. Prices range from $175,000-$325,000.

14 Live Oak Reserve – Located off S.R. 419, across the Econlockhatchee River from Oviedo, Live Oak Reserve is a planned community of over 700 homes from $225,000 to $550,000.

15 MacKinley’s Mill – Located off SR 434 just east of the Greeneway (417) in Oviedo, MacKinley’s Mill is a 106 home subdivision with custom homes ranging from $250,000 to $400,000.

16 Mayfair Oaks – Located off Chapman Road in Oviedo, Mayfair Oaks is a 41 lot custom home subdivision with homes ranging from $275,000 to $400,000.

17 Oviedo Forest – Oviedo Forest is a 238 lot partially gated community located off Lockwood Road near the intersection with 426 (Geneva Dr.) with homes ranging from $300,000-$500,000.

18 Preserve at Black Hammock – Preserve at Black Hammock is a 70 home gated community located just north of SR 434 in Oviedo with homes ranging from $350,000 to $550,000.

19 Remington Park – Located off Alafaya Trail S.R. 434 on the south side of Oviedo, Remington Park is a 230 home subdivision with homes ranging in price from $225,000 to $350,000.

20 River Walk – Located off McCullough Road in Oviedo, west of SR 434 (Alafaya Trail), River Walk is an upscale gated community of 124 custom homes ranging from $300,000 to $600,000.

21 Seminole Woods – Seminole Woods is 1,550 acre guard gated community of 262 wooded five acre lots with custom homes ranging in value from $350,000 to over a million dollars.

22 Stonehurst – Located off Tuscawilla Road, just north of Red Bug Lake Road in Oviedo, Stonehurst is a gated custom home community with 67 lots. Homes range from $450,000 to over $700,000.

23 The Sanctuary – Located off S.R. 419, across the Econlockhatchee River from Oviedo, The Sanctuary is a planned community of over 700 homes from $160,000 to $500,000.

24 Tuska Ridge – Located off Red Bug Lake Road west of SR 426, Tuska Ridge is a 390 home subdivision with prices ranging from $220,000 to $350,000.

25 Twin Rivers – Located off Lockwood Blvd. in Oviedo, Twin Rivers is a large subdivision with over 1,000 homes ranging in price from $150,000 to $400,000.

26 Wentworth Estates – Located off S.R. 426 (Aloma) in Oviedo, Wentworth Estates is a gated community with 60 homes ranging in price from $300,000 to $450,000.

Renting vs Buying a Home

Looking to Rent or Buy in Oviedo?

If you live in the Oviedo or Winter Springs area and are thinking of buying a home, you may have some doubts as to whether buying is a good move.

It is not unusual to become comfortable with renting a home especially because you don’t have to worry about saving up a down payment or being committed to a home.

On the other side purchasing a home can be a big milestone for some and provide a sense of stability.

Renting Pro’s

  1. One payment: Renters usually do not have to worry about paying taxes or home owners insurance. Some locations even combine utilities and Internet into one easy monthly bill.
  2. Less maintenance: It’s much easier to call the landlord when something breaks. While you have to maintain your personal items as well as basic upkeep, you don’t have to sweat the big stuff.
  3. Easier Process: The renting process is usually much easier because it usually just involves and application and credit check.
  4. Less financial burden: Although first, last and deposit can be significant, it’s much less than a down payment for a new home.
  5. No risk: After you are done with you lease term you are under no obligation to stay and are free to explore your options.
  6. Renovations: No need to worry about making upgrades or renovations to keep the property updated.
  7. Mobility: For those wanderers that don’t like to plant roots in an area, renting is a great opportunity to feel out an area and see if that’s a place you’d like to settle. If not, once your lease ends, you can move wherever you’d like without having to deal with selling.
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Home Buying Pro’s

  1. Building Equity: When you become a homeowner, you start to build equity in your home. As you pay down your mortgage and a the value of your home appreciates, your home becomes and asset. Imagine paying $200,000 for a home and within a couple of years, the value of your home is $250,000. If the market is strong you also build equity through the appreciation of the homes value.
  2. Affordability: In this market, it is more affordable to own than rent. With a good credit score and a small down payment, you can be in a new home and paying a lower monthly payment than you would in a rental.
  3. Mortgage Interest: Currently, if you own your own home, you have the tax advantage of being able to deduct mortgage interest which lowers your income taxes.
  4. Customize: The fact that you own your home means that you can paint your living room a wild shade of pink if you choose. No more stark white walls, and pet restrictions. As long as you own it, you choose who lives with you, how you want to landscape the lawn, and more. (Check with your HOA for any external home decor limitations)
  5. Equity Line: When your home increases in value beyond the purchase price, that is money that you can use for other purposes such as adding room or paying college tuition. If you don’t take the equity out and it continues to grow, your home becomes a way to build wealth.
  6. You own your home: At the end of your 30 year mortgage you will own your home outright but until then it is still an asset.
  7. Payment: No one will be increasing your rent in a year. You’ll have a steady monthly payment and as you go through your mortgage, it will actually decrease as you pay down principal and interest.
  8. Pride in ownership: This is your home and research has shown that home ownership you have the opportunity to build ties within the community and be a proud homeowner.
  9. Save: Buying a home forces you to save for a down payment and closing costs.


If this isn’t enough and you need more to substantiate this, check out this article on 23 scientific reasons why home ownership is better than renting.

While buying a home is a big step, once home buyers make that leap, they realize that it’s more cost effective to buy instead of rent and they’ll have that equity and investment for their future.

These are just a few items to consider if you are thinking about renting or buying a home. Whether you are considering buying or selling, when you meet with us at Waypointe Realty, we take the time to go through the entire real estate process, the benefits of home ownership, and what the steps are to qualify for a loan. We value our clients and educating them is of utmost importance to make sure that our buyers feel comfortable and can take an objective look at your situation before you make a decision.

Ready to setup your COMPLIMENTARY BUYER’S CONSULTATION? Contact us today to schedule it.

December 2019 Newsletter!

Wrapping up 2019


Coming in 2020: RAVING FANS

Here’s our chance to spoil you!

We love taking care of our customers and when our customers take care of us with referrals, we want to say a BIG THANK YOU!

As a result, we’re launching our “Raving Fans” program in 2020.

When you connect us with a referral (whether or not they purchase or sell with us), you will be added to our Raving Fans program for 3 months. As long as you continue referring us and making those connections, you’ll maintain your membership in the program.

This program will mail you a special gift EVERY MONTH AND you’ll receive special additional gifts throughout the year.

When a referral you send us buys or sells with us, there’s an extra gift heading your way.

It’s the least we can do to thank our loyal friends for continuing to refer us and helping us grow our business.

Ready for 2020???

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Have You Left us A Review?

Every quarter, we’ll randomly choose a winner from those that have left us reviews.

Your reviews help us build our business and we can’t thank you enough!

Move Up Buyer’s Program

When you move up to one of our listings or to another home and use us to sell your home, we’ll give you a 1% rebate on the purchase of your new home

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LOCAL EVENTS – SPECIAL HOLIDAY EDITION

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HOLIDAY EVENTS

December 5 – Tree Lighting, Food Trucks, and Santa @ Center Lake Park, 299 Center Lake Lane, Oviedo from 5-9pm

December 5 – A Redneck Christmas! @ Old Red Barn of Geneva from 5:30pm-8:30pm

December 6 – Winter on the Avenue @ Winter Park Central Park from 5-10pm

December 6 – Light Up Baldwin Park @ Downtown Baldwin Park from 5:30-9:30pm

Decembrer 7 – Winter Wonderland @ Winter Springs Town Center from 4:30-9pm

December 14 – Christmas in the City by Hope Helps @ University Carillon United Methodist Church from 9am-12pm

December 14 – Chamber Holiday Parade @ Oviedo on the Park, 299 Center Lake Lane, Oviedo from 3:30-4:15pm

December 14 – Winter Fest at Snow Mountain @ Oviedo on the Park, 299 Center Lake Lane, Oviedo from 2-8pm

December 19 – Oviedo Winter Springs Chamber’s Jingle Mingle at the OWCC Office from 5-8pm

Oviedo’s Outdoor Movie Nights

December 20 – Movie in the Park @ Center Lake Park, 7:30pm (The Year Without a Santa Claus/ Santa Clause 2)

2nd Thursday of Every Month: ALIVE AFTER FIVE in Sanford 5-8pm

1st Friday of Every Month: First Friday Festival in Baldwin Park 5:30-9:30pm

Farmer’s Markets:

Maitland @ Lake Lily Park, every Sunday 9am-2pm

Sanford‘s Marketplace on Magnolia, every Saturday 9am

Oviedo @ Historic Lawton House, 1st Saturday of every month 8am-1pm

Orlando‘s Farmer’s Market at Lake Eola, Downtown Orlando, every Sunday 10am-4pm

Food Trucks:

Oviedo Food Truck Thursday- Third Thursday of this month @ Oviedo on the Park, in front of De La Vega’s from 5-9pm

Sanford Food Truck Fiesta – 3rd Saturday of each month at West End Trading Co. 202 S. Sanford Ave

Casselberry Food Truck Bazaar – 2nd Friday’s @ Casselberry City Hall from 6-9pm

Orlando Food Truck Bazaar @ Fashion Square Mall, 5pm-9pm


MARKET NEWS

Average home in Seminole County SOLD at $287,461  

Average home in Oviedo is selling at $321,004

Median days on the market from list to close IN OVIEDO

is 61 days 


FLORIDA MORTGAGE RATE TRENDS 

30-Year Fixed = 3.83%

15-Year Fixed = 3.19%

5/1 ARM = 3.47%

TIP OF THE MONTH

9 Tips for Buying a Vacation Home

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Thank you for a great year! We almost doubled our 2019 goals! Happy Holidays from your team of Realtors!

Want a free 2020 Calendar? Fill out this form and we’ll send it out to you!

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VENDOR SPOTLIGHT

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Know What You Can Afford!

www.RayceRobinson.com

RAYCE ROBINSON, Mortgage Broker

How does Mid Florida Mortgage Professionals and Rayce Robinson help you become a homeowner?        –

  • Every Loan program imaginable to help you get the right mortgage for you credit and needs        
  • ZERO lender fees 
  • Extremely low closing costs·        
  • Low Down Payment programs       
  • Flexible programs on credit score
  • First time borrower programs
  • FREE upfront Pre-Approval and mortgage consultation     

3 Tips to Help Sellers Sell Their Home

Here at Waypointe Realty, we want to provide tips for sellers ready to sell their properties. As a result of having more buyers than inventory, we are in a seller’s market. What we typically see when a seller tries to sell their home without a real estate agent, is that they overprice their home.

When you overprice your home it can become stagnant in the market and we see a huge decline in visibility of the property and offers.

We’ve encountered sellers that have chosen to sell their home For Sale By Owner and see that something is just not working. Typically, it’s the price. Continue reading “3 Tips to Help Sellers Sell Their Home”

November 2019 Newsletter!

We are so grateful for you!


Thanksgiving love: It’s time for pie

Sign up for your pie!

Every year, we love to show our gratitude to our past, present and future clients. One way we do this is through our annual PIE DAY!

Sign up to reserve your choice of apple, pumpkin or sweet potato pie by Thursday, November 21st and then swing by our office to pick up your pie anytime between 11am-5pm on November 25th.

If you’re local to Oviedo and can’t make it during that time, we can drop it off at another time.

Hope you and your family have a wonderful Thanksgiving!

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Move Up Buyer’s Program

When you move up to one of our listings or to another home and use us to sell your home, we’ll give you a 1% rebate on the purchase of your new home


LOCAL EVENTS – SPECIAL HOLIDAY EDITION

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FALL EVENTS

November 2 – Fall Craft Festival @ Downtown Avalon Park from 10am

November 2– Holiday Open House @ Old Barn Geneva, 2993 W. Osceola Rd. Geneva from 5pm

November 9– Great Day in the Country @ Center Lake Park, 299 Center Lake Lane, Oviedo from 9am-4pm

November 15– Oviedo Brewing Night Market @ Oviedo Brewing Company from 6-10pm

November 15– Santa’s Arrival/Tree Lighting Ceremony @ Oviedo Mall from 6-8pm

November 16-17 – Arts and Craft Festival @ Cranes Roost, Altamonte Springs from 9am-3pm

November 23 – 43rd annual Longwood Arts and Crafts Festival @ Longwood Historic District from 10am-5pm

December 5 – Tree Lighting, Food Trucks, and Santa @ Center Lake Park, 299 Center Lake Lane, Oviedo from 5-9pm

December 6 – Winter on the Avenue @ Winter Park Central Park from 5-10pm

December 6 – Light Up Baldwin Park @ Downtown Baldwin Park from 5:30-9:30pm

December 14 – Chamber Holiday Parade @ Oviedo on the Park, 299 Center Lake Lane, Oviedo from 3:30-4:15pm

December 14 – Winter Fest at Snow Mountain @ Oviedo on the Park, 299 Center Lake Lane, Oviedo from 2-8pm

Oviedo’s Outdoor Movie Nights

November 15 – Movie in the Park @ Center Lake Park, 7:30pm (Aladdin -2019)

December 20 – Movie in the Park @ Center Lake Park, 7:30pm (The Year Without a Santa Claus/ Santa Clause 2)

2nd Thursday of Every Month: ALIVE AFTER FIVE in Sanford 5-8pm

1st Friday of Every Month: First Friday Festival in Baldwin Park 5:30-9:30pm

Farmer’s Markets:

Maitland @ Lake Lily Park, every Sunday 9am-2pm

Sanford‘s Marketplace on Magnolia, every Saturday 9am

Oviedo @ Historic Lawton House, 1st Saturday of every month 8am-1pm

Orlando‘s Farmer’s Market at Lake Eola, Downtown Orlando, every Sunday 10am-4pm

Food Trucks:

Oviedo Food Truck Thursday- Third Thursday of this month @ Oviedo on the Park, in front of De La Vega’s from 5-9pm

Sanford Food Truck Fiesta – 3rd Saturday of each month at West End Trading Co. 202 S. Sanford Ave

Casselberry Food Truck Bazaar – 2nd Friday’s @ Casselberry City Hall from 6-9pm

Orlando Food Truck Bazaar @ Fashion Square Mall, 5pm-9pm


MARKET NEWS

Average home in Seminole County SOLD at $311,146  

Average home in Oviedo is selling at $380,630

Median days on the market from list to close IN OVIEDO

is 61 days 


FLORIDA MORTGAGE RATE TRENDS 

30-Year Fixed = 3.84%

15-Year Fixed = 3.19%

5/1 ARM = 3.51%

ATTN: Waypointe Clients

SAVE THE DATE

This month we celebrate YOU and how grateful we are for our past clients. We will also share on how your business with us has helped the community!

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TIP OF THE MONTH

Enhancing Your Home’s Value

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What’s been going on at Waypointe?

With several upcoming closings, we’re so excited share these sellers and buyers and the purchase and sale of their homes. Congrats to these amazing families!

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Want a free 2020 Calendar? Fill out this form and we’ll send it out to you!

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VENDOR SPOTLIGHT

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Know What You Can Afford!

www.RayceRobinson.com

RAYCE ROBINSON, Mortgage Broker

How does Mid Florida Mortgage Professionals and Rayce Robinson help you become a homeowner?        –

  • Every Loan program imaginable to help you get the right mortgage for you credit and needs        
  • ZERO lender fees 
  • Extremely low closing costs·        
  • Low Down Payment programs       
  • Flexible programs on credit score
  • First time borrower programs
  • FREE upfront Pre-Approval and mortgage consultation