Tag: Jenny Zamora realtor

Compradores de vivienda en Orlando se preparan a medida que las tasas de hipotecas fijas caen aún más

Publicado el por Jenny Zamora

La temporada de compras de primavera de 2014 comenzó con el pie derecho y parece que solo mejora. Las tasas de las hipotecas fijas venían en una espiral descendente desde la primera semana de abril. La semana que comenzó el 14 de abril marcó la segunda vez que la tasa de las hipotecas fijas cayó a sus niveles más bajos desde febrero.

Como señaló Freddie Mac, el comprador de hipotecas patrocinado por el gobierno, la tasa de interés promedio de los préstamos hipotecarios estándar a 30 años bajó al 4.27 por ciento en la semana que comenzó el 14 de abril. La semana anterior (del 7 al 13 de abril), las tasas hipotecarias fijas se ubicaron en el 4.34 por ciento. La tasa del 4.34 por ciento estuvo nuevamente 0.7 por ciento por debajo de la tasa de las hipotecas fijas en la semana que comenzó el 31 de marzo. A principios de año, estas tasas se ubicaban en un nivel bastante alto del 4.5 por ciento.

La caída de esta semana marcó la segunda semana consecutiva en que las tasas de hipotecas fijas fueron las más bajas desde febrero y Agentes inmobiliarios de Orlando los posibles compradores se están mostrando más entusiasmados con la temporada de compras de primavera.

¿Se mantendrán las hipotecas fijas accesibles en las próximas semanas?

Muy probablemente sí. Según el 56 por ciento de los analistas de mercado entrevistados por el sitio web Bankrate.com, las tasas se van a mantener estables en las próximas semanas. Dicen que las tasas de interés continuarán bajas y se mantendrán estables durante las próximas dos semanas. No predijeron un aumento en las tasas hipotecarias.

Los agentes inmobiliarios señalan que las preocupaciones sobre un mercado débil —uno que no sería capaz de sostener un aumento dinámico en los precios de los bienes raíces residenciales— fueron una de las razones principales por las cuales las tasas comenzaron a caer en espiral en enero de 2014.

¿Es un buen momento para comprar casas?

Según Agentes inmobiliarios en Orlando Así es. Según el informe más reciente del Departamento de Vivienda y Desarrollo Urbano de EE. UU., marzo estuvo marcado por un aumento en la nueva construcción residencial. El informe, publicado el 16 de abril, reveló que el inicio de construcción de viviendas en marzo aumentó un 2,8 por ciento, en comparación con febrero. El mes también experimentó una reducción en los permisos para edificios residenciales, en comparación con el número de permisos emitidos en febrero (una disminución del 2,4 por ciento). Sin embargo, el número de permisos fue un 11,2 por ciento mayor que el de marzo de 2013.

Aumentando el inventario y reduciendo las tasas de hipotecas por lo general resultan en una mayor actividad de los compradores. La industria de bienes raíces de Orlando ha visto una buena cantidad de construcciones residenciales y los agentes inmobiliarios dicen que más compradores potenciales están preguntando sobre los alquileres y compras en próximas propiedades.

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Mortgage Regulations Change In 2014

Publicado el por Jenny Zamora

With 2014 came a whole new list of regulatory and legal changes for mortgage companies.  These rules and regulations were established with the intention to help both lenders and borrowers from making bad decisions when it comes to home mortgages. Here is a list of regulations that began in January that will affect the mortgage process for potential home buyers according to the Assoc of Mortgage professionals.

New Mortgage Regulations

* Stricter Regulations for the Self-Employed. People that don’t have an IRS form w-2 will be finding it more difficult when you apply for a loan. It’s a much greater task for individuals to prove their debt to income ratio without documentation even if their net worth is high with perfect credit to go along with it.

* A Decreased FHA Loan Limit. The Federal Housing Authority has announced that as of the beginning of 2014 that mortgages shall not exceed the amount of $625,000.00 which is down from the previous amount of $729,750.00. People wanting to apply for a larger loan would have to apply for a “Jumbo Loan”, which will probably involve a much higher down payment.

* A Cap on Loan origination Fees. As of January 2014 points and fees for a new mortgage cannot exceed 3%of the total loan.

* The Ability to Repay Mandate. This regulation was set in place by the (CFPB) Consumer Financial Protection Bureau. Its purpose is to set a standard for lending to make sure that each borrower is a truly qualified borrower. Lenders will now have to follow a set of rules in order to establish a consumer’s income, assets, and current obligations before approving them. This is what the government considers a “Qualified Mortgage”.

Como un Agente inmobiliario en Orlando, I think it’s a great idea that these new rules are now in place. It helps to protect potential homebuyers from getting in over their heads and in the long run, it should decrease the number of future homeowners from falling into default with their lenders. These are signs that the mortgage industry has learned a lesson from the real estate crash of 2007.

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Orlando Foreclosure Activity #1 in the Nation – Real Estate Business Stays Unaffected

Publicado el por Jenny Zamora

A new industry report places Orlando first in its list of cities and metropolitan areas with maximum foreclosure activity for the month of March. The number of foreclosure filings in the Bienes raíces en Orlando marketplace increased by 13 percent in comparison to the figures from one month earlier (February 2014).

According to some Orlando realtors, the March foreclosure figures also bear another distinction. With a total of 2,886 foreclosure listings in the community, the March figures represent a nine-month high.
But Agentes inmobiliarios en Orlando are not worried. The figures are still lower than they were at the same time, a year ago. Further, as noted by a majority of the top Orlando realtors, the business hasn’t slowed down for the residential real estate community of Orlando at least.

Foreclosure trends around Orlando

Orlando’s number one position in the foreclosure activity charts contributed to Florida’s status as the state with the highest density of foreclosures. While the national average lay at one foreclosure for every 1,126 homes, Florida saw one foreclosure in every 407 houses on an average.

Metropolitan Orlando led other cities and metropolitan areas in the state with one foreclosure action in every 326 homes. The numbers present a grim situation no doubt, but not when compared with statistics of previous quarters and years. Orlando’s March 2014 foreclosure rate is lower than the rates of March 2013. This also marks the third consecutive quarter when Florida’s foreclosure rates have decreased.

Cities and counties around Orlando have seen their own ups and downs in foreclosure activities. The biggest hike in foreclosure activities was experienced by Polk County. With 786 foreclosure filings in March 2014, the rates went 15 percent above those in February 2014 and 28 percent above those in 2013.

Realtors Not Worried About Increasing Foreclosure Activity

Several years ago, real estate agents in Orlando were soliciting business from property owners who were just beginning with the foreclosure process. However, the trend has changed of late and realtors no longer depend on “foreclosing owners” for business. Realtors have enough business in their hands, further proof that increasing foreclosure activity will not slow the market.

Residential real estate buyers have witnessed an increase in their home buying confidence. The inventory shortage has been softening since February 2013. Banks have become lenient with their mortgage lending and Americans have seen a reduction in their unemployment rates. Add to it the several new construction projects underway in Orlando and you have all the reasons why home buyers are undeterred in their purchasing.

The spring buying season has just begun. And if you’ve been waiting for an opportune moment to purchase property, now is the right time.

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Real Estate Development in Orlando

Publicado el por Jenny Zamora

A recent and large-scale Bienes raíces en Orlando development is the apartment complex that will soon come up in Altamonte Springs. A. Charlotte of N.C. development plans on converting an 80-acre area into one of the biggest apartment buildings in Orlando. Top Orlando real estate developers, Crescent Communities LLC, also plan on contributing a 300,000 square feet mixed-use center to the $20.3 million, 249-unit Crescent Gateway Apartments. The development of this center, which will have a  mix of offices, retail outlets, and, possibly, a hotel as well, has a whopping budget.

There is also another real estate development proposal to construct a 450-unit apartment complex near the Orlando Fashion Square mall. This project, however, has raised concerns about increased traffic and congestion in the area.

Benefits of real estate development

The huge increase in Bienes raíces en Orlando development is sure to generate a good amount of construction jobs for many unemployed workers. The construction of these mega apartment complexes will require huge amounts of manpower, which will in turn, help reduce the unemployment percentage in Orlando, Florida.

Besides creating construction jobs, the 300,000 square feet project which will be initiated in Crescent Gateway Apartments, is sure to provide ample amounts of hotel management jobs, retail jobs and desk jobs at the office. Crescent Gateway will provide a solution to the increasing demand for office space in an under-supplied economy.

More residents will be able to move into luxurious and affordable homes, and facilitate greater community involvement. Other benefits include a higher economic growth rate, better investment, improved lifestyle, and increased home-ownership value.

Orlando Real Estate Broker

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The Villages Shines as the Fastest Growing Metropolitan in the US

Publicado el por Jenny Zamora

According to a report released by the US Census Bureau on Thursday, March 27, “The Villages” is the fastest-growing metropolitan area in the US. The population census report reveals that over the 12-month period spanning from July 2012 to July 2013 – The Villages registered an impressive population growth of 5.2 percent, the highest in the US.

 

The top 10 fastest-growing metropolitan areas

1.    The Villages, Florida
2.    Midland, Texas
3.    Odessa, Texas
4.    Bismarck, North Dakota
5.    Fargo, North Dakota
6.    Casper, Wyoming
7.    Myrtle Beach, South Carolina
8.    Austin, Texas
9.    Daphne, Alabama
10.  Fort Myers, Florida

Technically, The Villages is not a metropolitan city, but only an unincorporated community of retirement homes, stretching across the Sumter, Marion and Lake counties. It is, however, widely acknowledged as a city since it is home to more than 107,000 citizens. This is nearly twice as much as the benchmark population of cities (50,000 people).

 

The Villages Responsible for Six cities Experiencing high growth

According to top Orlando realtors, the 5.2 percent increase in population can be attributed to the community’s improving facilities for seniors. Real estate agents who have worked in The Villages have revealed that the community has been witnessing a surge in the number of seniors and retirees. Warm temperatures, selection of executive golf courses, parks, fitness trailers, and the increasing number of “Neighborhood” and “Regional Centers” are some of the factors influencing this trend.

Six areas around the Greater Plains and the metropolitan region near the Gulf Coast were included among the 10 fastest-growing cities. The cities include Odessa, Austin-Round Rock and Midland in Texas, Fargo in Minnesota, and Bismarck and Casper. Rich in oil and gas, these metros witnessed a rapid growth in population primarily because of the energy boom.

Promising future for the Orlando real estate market

The recent report has left Orlando realtors with fresh hopes and a positive outlook for the rest of 2014 with respect to the real estate market in Central Florida.

Baby boomers from all over the nation are flocking to Florida’s much-talked-about retirement homes just northwest of Orlando. Further, residential projects like the $56 million apartment complex at Crescent Central Station, the 800 luxury apartments to be constructed by BentleyForbes Del American, and the Winter Park Village projects, are expected to bring in a lot of business for Orlando realtors.

 

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