Tag: Orlando real estate expert

Butterfly Destroys the Roof on an Orlando Property! Would Your Homeowners Policy cover This?

Posted on by Jenny Zamora

Orlando Homeowners Insurance Policies are getting cut left and right

Citizens Insurance is a Non-Profit state-run insurance company started in 2002 because of the fact that private insurance companies were leaving Florida due to the risk of hurricanes.
It used to be that when nobody else would cover your Orlando home or business, you could always go to citizens for a policy.  So when citizens sent out a letter to their policy holders late last year informing them that they would no longer be covering carports, screen rooms, patios, pool cages or awnings- expensive items to get fixed – many people were alarmed…Including me.
Even Florida based home insurance companies that we thought were Florida’s future are selectively cancelling policies in higher risk zip codes.

Here are the hard facts

  • State Farm is planning on cancelling 125,000 Home owners policies in addition to the policies they’ve already cancelled
  • Nationwide is dropping an additional 60,000 home owners policies
  • The number of people that report  that Homeowners insurance is too expensive is increasing by the day.
  • Newly formed home insurance companies just can’t keep up with all the policies being cancelled by the larger companies
  • It’s harder than ever for Floridians to find quality Homeowners Insurance at a reasonable rate.
  • Both Citizens and the Florida Hurricane catastrophe fund have reported their concerns about not having the cash needed to pay for a major Florida Hurricane.

Get involved Floridians!
As tax payers and voters, we can make a difference by getting involved. Let’s keep the pressure on the Florida legislative representative to make something happen that would bring more Insurance companies to Florida and keep are rates affordable.

Let  your FL Legislator know how you feel!

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Orlando Homeowners Have all the Power!

Posted on by Jenny Zamora

We all know how thousands of Orlando homeowners have suffered through this foreclosure crisis since 2007.  There is another group of individuals that is also feeling the effects of all this…Lenders.

The truth is, banks have taken an extensive beating over the last few years and the effects are starting to show. Lenders don’t have many options when it comes to managing Orlando foreclosure properties. Even the usual process of foreclosure has been anything but reliable.

Orlando Homeowners have all the power.

A homeowner with the right strategy can stay in their home for over three years without making a single mortgage payment. I know this for a fact because several of my clients are in this situation.
Fact: It actually costs the lender less money to let the homeowner stay for free and maintaining the property than it does to evict the homeowner and pay to have the property maintained.

Don’t freak out, go see an Orlando Realty professional

I just cringe every time someone comes in to see us and they tell me that they moved out of there house because they fell behind on their mortgage and they thought that the “Big Bad Bank” was coming to kick them out. Unfortunately, most of the time it’s too late to do anything about it because they’ve already turned the key into the bank and moved into a new lease.
It kills me because if they would’ve just come in to see us when everything first happened, they could’ve saved tens of thousands of dollars and lots of stress.

That’s not the way it works!

Here are 3 things that you absolutely need to know if you’ve fallen behind on your mortgage.
1-    Don’t stop talking to your lender! As a matter of fact, call them often and tell them what’s happening with you. Ignoring the situation is the worst thing you can do!
2-    Even if the bank begins foreclosure proceedings, they have to inform you well in advance [in writing] of hearing dates, sale dates, etc. They can’t just kick you out from one day to the next.
3-    Talk to an Orlando Real Estate Expert. It’s free to speak with a top Orlando Realtor and an experienced agent will be able to inform you of all your options and help you come up with the perfect plan for you.

One thing is for sure, there has never been a better time in history to do an Orlando short sale than right now. There are so many homeowners facing foreclosure right now that banks are having to negotiate better and better deals.
We’ve gotten our clients anywhere from $3,000.00 to over $20,000.00 back from the lender depending on what program we‘re able to qualify them for.

Still have questions? Ask me anything, I’m here to help

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Orlando Realty Consultants Launches their New State-of-the-Art Website!

Posted on by Jenny Zamora

After several months of research and hard work, Orlando Realty Consultants launched what is possibly the most powerful Orlando real estate website ever made!

The new site took hundreds of man hours of building it out with the latest technology and cutting edge real estate tools. Orlando real estate has never been easier to research

Potential Orlando home sellers and buyers have the ability to do everything from searching the Florida MLS for the best real estate deals,  to getting a free property analysis done on their property.

•     User Friendly,  OrlandoRealtyConsultants.com is extremely easy to use and anyone can navigate through it. With soo many powerful tools at your fingertips ORC has turned buying  and selling Orlando homes into a pleasant experience.
•    IDX technology, This site is equipped with state of the art IDX system software for Real Estate Brokers.
•    Put together by top Webmasters,  With the help of top webmaster Steve Scott and his team, this website is easy to use and has maximum SEO capability making it a breeze for potential clients to find us.
•    A few of the Features-
Property Search- Allows you to quickly search the Florida MLS based on the criteria that you enter

Map Search- Ineractive mapping software that allows you to see and find out any information
or statistics about the neighborhood that you want to search.

Address Search- Search properties by address and find out all public data about the property

Listing Manager- This tool allows you to get emailed everytime there’s a listing that fits the
criteria that you entered

Mortgage Calculator- Quickly find out what your mortgage payment will be based on the
criteria that you enter.

Home Valuation Request- Enter any property address and get the true value of the property
within minutes
Those are just a few of the tools that are contained in the ORC website. With websites like this, realtors can focus more on customer service for their clients as opposed to spending countless hours in front of a computer screen doing research.
The biggest advantage is for the clients, never before has it been easier to find out virtually everything you need to know about any property within minutes and it’s easy to see that this site was designed with the Orlando real estate client in mind. Go ahead… Take a test drive!

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Make Your Orlando Home Appealing to Buyers

Posted on by Jenny Zamora

Give Yourself the Best Chance at Selling your Orlando Home

If you’re trying to make your Orlando home a bit more appealing for a potential buyer, then there are some things that you should consider.  First of all, not everyone has the same taste as you and so that’s why you should keep it simple when staging your home to be sold.


Never leave things out like family photos, personal keepsakes, and treasured belongings. All of these items should be safely packed away which very often creates open space. Everyone loves open space, it makes the home feel bigger and people can get a better feel for the layout.


Believe it or not Orlando home buyers often make a decision within just seconds of seeing your home about whether or not they want to buy it. So remember that and picture your home through the eyes of your potential buyers. What impression do you get in the first 30 seconds?


Sometimes a neighbor can help you out with this. If you do ask someone to give you an honest opinion about the first impression they get of your home, don’t take it personal if they don’t like some of your choices as far as decorating, just listen.


Here’s a List of easy things you can do to increase your chances of getting a contract on your Orlando property

•    Remove all loose clutter inside and out.  When you walk up do you see children’s toys scattered across the front lawn or throughout the house? Get rid of it something as simple as clutter can be a deal killer.

•    Make sure your yard and landscaping looks as good as it possibly can. Overgrown trees ,  shrubs and grass are eyesores and it’s the very first look that they get at the home.

•    I think it’s always good to get a fresh paint job when selling a home. It makes a huge impact and is relatively inexpensive to do. If painting is not an option, at least touch up any spots that are chipped wore out or can’t be cleaned.

•    Remove any furniture that is causing the house to look smaller or that is in the way when you show a potential buyer your home. Most of the time less is more when it comes to bulky pieces of furniture that can absolutely change the look of a room.

•    Add artwork to long hall ways. You don’t have to buy artwork that costs thousands of dollars but, if your home has long hall ways, it’s nice to break up the monotony with some tasteful artwork. Use contrasting shades and hues to coordinate with the flooring. When you’re shopping for the artwork or borrowing it from a friend or your real estate agent or homestager, if possible bring swatches of the carpet or flooring and wall paint to match the artwork colors.

•    Make the kitchen a focal point. Whether they cook or not, the kitchen is of primary interest to many buyers. Winning over buyers with an appealing kitchen can often convince them that they must have the home. Make sure your appliances are clean, sparkling, and working. Return on investment in the kitchen is usually high and worth every penny, and more, you put into it.

•    The bedroom needs to look like a bedroom. It sounds funny, but many people use their bedroom for other things such as an office or storage. Boxes or newspapers are scattered or stacked in a corner. There’s no “ah” or sense of relaxation with that kind of room. So even if that’s how you’ve been living, understand that’s not how you should show a home.

Making your home more appealing means seeing your home through the eyes of your potential buyers. When you start receiving more offers than you know what to do with, you’ll be glad you did.

sell your Orlando Home

Jenny Zamora, Lic RE Broker

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Orlando Foreclosure Growth Pushing Down Home Values

Posted on by Jenny Zamora

Home values are being negatively affected by an increasing amount of foreclosures

Orlando Florida Foreclosure listings keep on growing, continuing to push down home values and casting a shadow over the efforts of local and state governments to stabilize and strengthen the housing market.

Orlando real estate experts say that the increase in foreclosure and short sales have caused home values to slide down even further. They said that home sellers are forced to reduce the sale price of their properties to be able to compete with discounted prices of foreclosed homes.  Sometimes   buyers are having to bring more money to the table because of the property not appraising.  Many times, a reduced property value could kill a sale.

Lenders will usually determine the loan amount based on either the appraised value or purchase price of the property, whichever is lower. In the event that appraisals come in at a lower amount than the purchase price, then either the buyer needs to bring more money to the table in order to obtain the financing or the seller will have to accept a reduction in the purchase price. Because of the volume of foreclosure houses and short sales, many homes listed for sale are priced well below the fair market value.

Although Orlando short sale experts say that home prices are showing some signs of stability. A great number of distressed foreclosure home and short sales still need to be closed and then cleared from banks’ inventory before the housing market could reach any kind of stability.

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