Saturday, September 30, 2006
NUEVA BAJA EN INTERESES HIPOTECARIOS
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
BROKER REAL ESTATE LIC
RAULMARREROJR@YAHOO.COM
UN MARAVILLOSO Y ESPECTACULAR DIA PARA TI
CONTRARIO A LO QUE MUCHOS EXPERTOS VATICINABAN, QUE HABRIA UN AUMENTO DE LOS INTERESES HIPOTECARIOS EN LO QUE QUEDABA DE ANO, LOS MISMOS REFLEJAN NUEVAMENTE UNA BAJA PORCENTUAL HASTA LLEGAR AL PUNTO MAS BAJO EN LOS PASADOS SEIS MESES.
ESTE FACTOR UNIDO A UNA RELATIVAMENTE TRANQUILA TEMPORADA DE HURACANES AYUDARA A ESTABILIZAR EL MERCADO DE BIENES RAICES EN LA FLORIDA CENTRAL.
A CONTINUCION LA NOTICIA
WASHINGTON -- Sept. 29, 2006 -- Rates on 30-year mortgages dipped this week to the lowest level in more than six months.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages fell to 6.31 percent this week, down from 6.40 percent last week.
The latest drop puts the 30-year mortgage at the lowest level since it stood at 6.24 percent in early March.
After hitting a four-year high of 6.80 percent on July 20, rates on 30-year mortgages have been trending down as financial markets became more convinced that a slowing economy will help keep inflation contained.
Such a slowdown would allow the Federal Reserve to keep interest rates on hold. Fed officials announced last week that they were leaving a key interest rate unchanged for the second straight month.
Sharp declines this year in home sales and construction of new homes have provided support for the view that the economy is slowing to a more sustainable pace and eased worries about inflation.
Many analysts believe interest rates will hover around current levels for the rest of the year. Such a development is expected to help the housing industry level off after sharp declines in recent months which have seen construction of new homes fall to the lowest levels in more than three years and both new and existing homes experience price drops when compared to sales prices a year ago.
"Both lower mortgage rates and a moderation in house price growth should lead to increased housing affordability," said Frank Nothaft, chief economist for Freddie Mac.
Other types of mortgages showed declines this week as well.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 5.98 percent, down from 6.06 percent last week.
For one-year adjustable-rate mortgages, rates dipped to 5.47 percent, down from 5.54 percent last week.
Rates on five-year adjustable-rate mortgages fell to 6.00 percent this week, down from 6.08 percent last week.
The mortgage rates do not include add-on fees known as points. Thirty-year and 15-year fixed-rate mortgages both carried a nationwide average fee of 0.4 point while one-year ARMs carried a fee of 0.6 point and five-year ARMs carried an average fee of 0.5 point.
A year ago, 30-year mortgages averaged 5.91 percent, 15-year mortgages stood at 5.48 percent, one-year ARMs were at 4.68 percent and five-year ARMs averaged 5.44 percent.
TENEMOS LA PROPIEDAD QUE USTED BUSCA......... LLAME AHORA MISMO A JOSE RAUL MARRERO O CUALQUIERA DE NUESTROS AGENTES VENDEDORES
GRACIAS POR VISITAR NUETRO BLOG
WWW.JOSERAULMARRERO.COM
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
BROKER REAL ESTATE LIC
RAULMARREROJR@YAHOO.COM
UN MARAVILLOSO Y ESPECTACULAR DIA PARA TI
CONTRARIO A LO QUE MUCHOS EXPERTOS VATICINABAN, QUE HABRIA UN AUMENTO DE LOS INTERESES HIPOTECARIOS EN LO QUE QUEDABA DE ANO, LOS MISMOS REFLEJAN NUEVAMENTE UNA BAJA PORCENTUAL HASTA LLEGAR AL PUNTO MAS BAJO EN LOS PASADOS SEIS MESES.
ESTE FACTOR UNIDO A UNA RELATIVAMENTE TRANQUILA TEMPORADA DE HURACANES AYUDARA A ESTABILIZAR EL MERCADO DE BIENES RAICES EN LA FLORIDA CENTRAL.
A CONTINUCION LA NOTICIA
WASHINGTON -- Sept. 29, 2006 -- Rates on 30-year mortgages dipped this week to the lowest level in more than six months.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages fell to 6.31 percent this week, down from 6.40 percent last week.
The latest drop puts the 30-year mortgage at the lowest level since it stood at 6.24 percent in early March.
After hitting a four-year high of 6.80 percent on July 20, rates on 30-year mortgages have been trending down as financial markets became more convinced that a slowing economy will help keep inflation contained.
Such a slowdown would allow the Federal Reserve to keep interest rates on hold. Fed officials announced last week that they were leaving a key interest rate unchanged for the second straight month.
Sharp declines this year in home sales and construction of new homes have provided support for the view that the economy is slowing to a more sustainable pace and eased worries about inflation.
Many analysts believe interest rates will hover around current levels for the rest of the year. Such a development is expected to help the housing industry level off after sharp declines in recent months which have seen construction of new homes fall to the lowest levels in more than three years and both new and existing homes experience price drops when compared to sales prices a year ago.
"Both lower mortgage rates and a moderation in house price growth should lead to increased housing affordability," said Frank Nothaft, chief economist for Freddie Mac.
Other types of mortgages showed declines this week as well.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 5.98 percent, down from 6.06 percent last week.
For one-year adjustable-rate mortgages, rates dipped to 5.47 percent, down from 5.54 percent last week.
Rates on five-year adjustable-rate mortgages fell to 6.00 percent this week, down from 6.08 percent last week.
The mortgage rates do not include add-on fees known as points. Thirty-year and 15-year fixed-rate mortgages both carried a nationwide average fee of 0.4 point while one-year ARMs carried a fee of 0.6 point and five-year ARMs carried an average fee of 0.5 point.
A year ago, 30-year mortgages averaged 5.91 percent, 15-year mortgages stood at 5.48 percent, one-year ARMs were at 4.68 percent and five-year ARMs averaged 5.44 percent.
TENEMOS LA PROPIEDAD QUE USTED BUSCA......... LLAME AHORA MISMO A JOSE RAUL MARRERO O CUALQUIERA DE NUESTROS AGENTES VENDEDORES
GRACIAS POR VISITAR NUETRO BLOG
WWW.JOSERAULMARRERO.COM
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
Thursday, September 28, 2006
CAIDA DEL PRECIO DE LA GASOLINA AYUDA A QUE EL MERCADO DE BIENES RAICES RECUPERE
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
BROKER REAL ESTATE LIC
MUY BUENOS DIAS A TODOS
TODOS NOS DAMOS CUENTA QUE EL PRECIO DE LA GASOLINA A BAJADO UN POCO. ESTE HECHO AYUDA A VIGORIZAR LA ECONOMIA EN LA FLORIDA, SEGUN VARIOS ESPERTOS DE LA UNIVERSIDAD DE GAINSVILLE.
A CONTINUACION LA NOTICIA EN DETALLE
GAINESVILLE, Fla. -- Sept. 27, 2006 -- Falling gas prices boosted consumer confidence among Floridians by five points to 82 in September, causing it to recover some of last month’s losses, University of Florida economists report.
"The increase in confidence this month is in large part due to a dramatic change in gasoline prices, which have fallen nearly 30 cents (a gallon) in the past month, making them close to 19 cents lower than they were a year ago in Florida," says Chris McCarty, director of the survey research center at UF’s Bureau of Economic and Business Research. "We attributed a large part of the decline in confidence last month to sustained high gas prices and erosion in the housing market."
Typically, gasoline prices drop in September as demand falls with the end of the summer traveling season and start of the school year, McCarty says.
"In addition, recovery of Gulf Coast refineries, discovery of new oil fields in the Gulf of Mexico, an early resolution to the Alaskan pipeline leakage and some positive news on the confrontation with Iran over nuclear weapons have resulted in a decrease in the price of crude oil," he said.
Helping matters is the lack of a major hurricane so far this year, McCarty says. "Often higher prices in the cost of a barrel of oil are due to speculation about hurricane season," he notes.
Confidence fell between July and August by 10 points to 77, but there was an increase in four of the five components in September. Expectations about national economic conditions over the next year jumped 10 points to 72 and perceptions of whether it is a good time to buy big-ticket items jumped 10 points to 97. Expectations about U.S. economic conditions over the next five years rose four points to 77. Perceptions of personal finances now compared with a year ago rose four points to 78. Expectations about personal finances a year from now fell three points to 88.
"Moving forward, the question is how much lower energy prices will balance out the problems in real estate," McCarty says. "We have definitely begun to see the effect of declining housing sales."
Florida is among a few markets in the country that can expect strong corrections in some areas, according to McCarty.
"Existing home sales data show the inventory of homes rising, particularly here in Florida," he says. "As inventory continues to build and houses sit on the market longer, sellers will ultimately realize that they have to reduce their asking prices. This will have multiple effects, particularly on those that are in a position where they must sell, and those that rely on their homes as their primary source of wealth."
Much of the sales gains in August, the latest month for which data are available, were the result of auto sales, as retail sales dropped. As expected, sales of home furnishings, building materials and appliances were low compared with previous months, caused by declining demand from the stagnating housing market.
Chain-store sales fell in September following the back-to-school sales in August and have been particularly affected by high gasoline prices, McCarty says. They are heavily represented by low-price retailers such as Wal-Mart, and consumers who frequent these stores are more affected by higher gas prices than other consumers, he adds.
The research center conducts the Florida Consumer Attitude survey monthly. Respondents are 18 or older and live in households telephoned randomly. The preliminary index for September was conducted from 422 responses. The error rate is plus or minus 5 percent.
Consumer confidence is designed to help predict buying patterns by measuring the mood of consumers toward purchasing. Although other economic indicators also predict buying patterns, consumer confidence tends to be available sooner. The index is benchmarked to 1966, so a value of 100 represents the same level of confidence for the year. The value of the index is in comparing changes over time rather than looking at an isolated month.
© 2006 FLORIDA ASSOCIATION OF REALTORS
JOSE RAUL MARRERO
RAULMARREROJR@YAHOO.COM
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
BROKER REAL ESTATE LIC
MUY BUENOS DIAS A TODOS
TODOS NOS DAMOS CUENTA QUE EL PRECIO DE LA GASOLINA A BAJADO UN POCO. ESTE HECHO AYUDA A VIGORIZAR LA ECONOMIA EN LA FLORIDA, SEGUN VARIOS ESPERTOS DE LA UNIVERSIDAD DE GAINSVILLE.
A CONTINUACION LA NOTICIA EN DETALLE
GAINESVILLE, Fla. -- Sept. 27, 2006 -- Falling gas prices boosted consumer confidence among Floridians by five points to 82 in September, causing it to recover some of last month’s losses, University of Florida economists report.
"The increase in confidence this month is in large part due to a dramatic change in gasoline prices, which have fallen nearly 30 cents (a gallon) in the past month, making them close to 19 cents lower than they were a year ago in Florida," says Chris McCarty, director of the survey research center at UF’s Bureau of Economic and Business Research. "We attributed a large part of the decline in confidence last month to sustained high gas prices and erosion in the housing market."
Typically, gasoline prices drop in September as demand falls with the end of the summer traveling season and start of the school year, McCarty says.
"In addition, recovery of Gulf Coast refineries, discovery of new oil fields in the Gulf of Mexico, an early resolution to the Alaskan pipeline leakage and some positive news on the confrontation with Iran over nuclear weapons have resulted in a decrease in the price of crude oil," he said.
Helping matters is the lack of a major hurricane so far this year, McCarty says. "Often higher prices in the cost of a barrel of oil are due to speculation about hurricane season," he notes.
Confidence fell between July and August by 10 points to 77, but there was an increase in four of the five components in September. Expectations about national economic conditions over the next year jumped 10 points to 72 and perceptions of whether it is a good time to buy big-ticket items jumped 10 points to 97. Expectations about U.S. economic conditions over the next five years rose four points to 77. Perceptions of personal finances now compared with a year ago rose four points to 78. Expectations about personal finances a year from now fell three points to 88.
"Moving forward, the question is how much lower energy prices will balance out the problems in real estate," McCarty says. "We have definitely begun to see the effect of declining housing sales."
Florida is among a few markets in the country that can expect strong corrections in some areas, according to McCarty.
"Existing home sales data show the inventory of homes rising, particularly here in Florida," he says. "As inventory continues to build and houses sit on the market longer, sellers will ultimately realize that they have to reduce their asking prices. This will have multiple effects, particularly on those that are in a position where they must sell, and those that rely on their homes as their primary source of wealth."
Much of the sales gains in August, the latest month for which data are available, were the result of auto sales, as retail sales dropped. As expected, sales of home furnishings, building materials and appliances were low compared with previous months, caused by declining demand from the stagnating housing market.
Chain-store sales fell in September following the back-to-school sales in August and have been particularly affected by high gasoline prices, McCarty says. They are heavily represented by low-price retailers such as Wal-Mart, and consumers who frequent these stores are more affected by higher gas prices than other consumers, he adds.
The research center conducts the Florida Consumer Attitude survey monthly. Respondents are 18 or older and live in households telephoned randomly. The preliminary index for September was conducted from 422 responses. The error rate is plus or minus 5 percent.
Consumer confidence is designed to help predict buying patterns by measuring the mood of consumers toward purchasing. Although other economic indicators also predict buying patterns, consumer confidence tends to be available sooner. The index is benchmarked to 1966, so a value of 100 represents the same level of confidence for the year. The value of the index is in comparing changes over time rather than looking at an isolated month.
© 2006 FLORIDA ASSOCIATION OF REALTORS
JOSE RAUL MARRERO
RAULMARREROJR@YAHOO.COM
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
Tuesday, September 26, 2006
LA FAMILIA DE MARRERO REAL ESTATE BROKERAGE LLC SIGUE CRECIENDO
MARRERO REAL ESTATE BROKERAGE LLC.
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
HOY QUEREMOS COMPARTIR CON USTEDES UNA AGRADABLE NOTICIA. NUESTRA FAMILIA DE MARRERO REAL ESTATE BROKERAGE LLC SE COMPLACE EN PRESENTAR A UN NUEVO MIEMBRO DE NUESTRO CUERPO DE EJECUTIVOS DE VENTA, Y YA SOMOS TRES..........
SU NOMBRE ES JOSE BENITEZ VELEZ
EL SR. BENITEZ NACIO EN, HATO REY P.R. ,Y CUENTA CON 25 ANOS DE EXPERIENCIA EN UNA DE LAS EMPRESAS MAS FAMOSAS DEL MUNDO , EL REINO MAGICO DE WALT DISNEY WORLD. EL SR BENITEZ SE DESTACA COMO UN GRAN LIDER ENTRE SUS COMPANEROS DE TRABAJO COMO MANAGER CUSTOMER, GANANDO UNA EXPERIENCIA CON VALOR ILIMITADO. EL SR. BENITEZ ES MUY QUERIDO POR TODOS AQUELLAS PERSONAS QUE HAN TENIDO EL PRIVILEGO DE CONOCERLE.
EL SR. BENITEZ,CON GRANDES VALORES ESPIRITUALES Y DE FORMA DE SER, VIENE A ESTA INDUSTRIA CON EL DESEO DE ALCANZAR VARIOS SUENOS. ENTRE ESTOS EL DE PODER AYUDAR A OTROS A TENER EL SUYO. TAMBIEN SU DESEO INCANSABLE DE MANTENERSE APRENDIENDO CADA DIA LE SIRVE DE GRANDIOSA INSPIRACION.
DE CARACTER AMABLE, SERVICIAL, SINCERO, INTEGRO Y SOBRE TODO UNA CALIDAD HUMANA QUE CONTAGIA A LOS QUE SE LE ACERCAN HACE QUE SEA UN VERDADERO PRIVILEGIO PODER COMPARTIR EL ESPACIO DE ESTA EMPRESA CON EL SR. BENITEZ.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS SEGUROS QUE TODOS AQUELLAS PERSONAS QUE SEAN SERVIDAS POR ESTE PROFECIONAL DE LAS BIENES RAICES OBTENDRAN UN SERVICIO DE PRIMERA CALIDAD.
A NOMBRE DE TODOS LOS INTEGRANTES DE MARRERO REAL ESTATE BROKERAGE LLC LE DAMOS LA MAS CORDIAL BIENVENIDA.
DESEAMOS A SU VEZ QUE SE CONVIERTA EN OTRO GUERRERO DE LUZ DE ESTA EMPRESA.
JOSE RAUL MARRERO
407-436-5140
787-486-7906
RAULMARREROJR@YAHOO.COM
POR QUE TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
HOY QUEREMOS COMPARTIR CON USTEDES UNA AGRADABLE NOTICIA. NUESTRA FAMILIA DE MARRERO REAL ESTATE BROKERAGE LLC SE COMPLACE EN PRESENTAR A UN NUEVO MIEMBRO DE NUESTRO CUERPO DE EJECUTIVOS DE VENTA, Y YA SOMOS TRES..........
SU NOMBRE ES JOSE BENITEZ VELEZ
EL SR. BENITEZ NACIO EN, HATO REY P.R. ,Y CUENTA CON 25 ANOS DE EXPERIENCIA EN UNA DE LAS EMPRESAS MAS FAMOSAS DEL MUNDO , EL REINO MAGICO DE WALT DISNEY WORLD. EL SR BENITEZ SE DESTACA COMO UN GRAN LIDER ENTRE SUS COMPANEROS DE TRABAJO COMO MANAGER CUSTOMER, GANANDO UNA EXPERIENCIA CON VALOR ILIMITADO. EL SR. BENITEZ ES MUY QUERIDO POR TODOS AQUELLAS PERSONAS QUE HAN TENIDO EL PRIVILEGO DE CONOCERLE.
EL SR. BENITEZ,CON GRANDES VALORES ESPIRITUALES Y DE FORMA DE SER, VIENE A ESTA INDUSTRIA CON EL DESEO DE ALCANZAR VARIOS SUENOS. ENTRE ESTOS EL DE PODER AYUDAR A OTROS A TENER EL SUYO. TAMBIEN SU DESEO INCANSABLE DE MANTENERSE APRENDIENDO CADA DIA LE SIRVE DE GRANDIOSA INSPIRACION.
DE CARACTER AMABLE, SERVICIAL, SINCERO, INTEGRO Y SOBRE TODO UNA CALIDAD HUMANA QUE CONTAGIA A LOS QUE SE LE ACERCAN HACE QUE SEA UN VERDADERO PRIVILEGIO PODER COMPARTIR EL ESPACIO DE ESTA EMPRESA CON EL SR. BENITEZ.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS SEGUROS QUE TODOS AQUELLAS PERSONAS QUE SEAN SERVIDAS POR ESTE PROFECIONAL DE LAS BIENES RAICES OBTENDRAN UN SERVICIO DE PRIMERA CALIDAD.
A NOMBRE DE TODOS LOS INTEGRANTES DE MARRERO REAL ESTATE BROKERAGE LLC LE DAMOS LA MAS CORDIAL BIENVENIDA.
DESEAMOS A SU VEZ QUE SE CONVIERTA EN OTRO GUERRERO DE LUZ DE ESTA EMPRESA.
JOSE RAUL MARRERO
407-436-5140
787-486-7906
RAULMARREROJR@YAHOO.COM
POR QUE TODOS SOMOS GUERREROS DE LUZ!
Friday, September 22, 2006
FED DECIDE NO CAMBIAR TAZA DE INTERES EN SU MAS RECIENTE REUNION
MARRERO REAL ETATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
AUNQUE NO SOMOS ESPERTOS EN ASUNTOS ECONOMICOS, LES HARE EN UN IDIOMA BIEN SENCILLO DE COMO A MI MODO DE VER SE PUEDE INTERPRETAR ESTA NOTICIA.
EL FED EN VOTACION 10-1 DECIDE NO CAMBIAR LA TAZA DE INTERES ENTRE OTRAS RAZONES POR LA BAJA DEL PRECIO DEL PETROLIO Y EL FRIO MERCADO INMOBILARIO.
ESTOS IMPORTANTES FACTORES ECONOMICOS INFLUENCIAN FUERTEMENTE EN LA POSIBILIDAD DE AUMENTO EN LA INFLACION. AUNQUE EL FED NO DESCARTA TOTALMENTE UN AUMENTO EN LOS NIVELES INFLACIONARIOS EN LOS MESES VENIDEROS, ESTA BAJA DEL PRECIO DEL PETROLIO ACTUA COMO VALVULA DE ESCAPE A LA PRESION DE AUMENTAR LOS INTERESES POR CAUSAS DE INFLACION.
A CONTINUACION EL DETALLE DE LA NOTICIA
WASHINGTON -- Sept. 21, 2006 -- Federal Reserve policymakers left interest rates unchanged Wednesday but cautioned more rate increases could come later this year.
In a 10-1 vote, Fed officials left their target for short-term interest rates, which influence the cost of borrowing for everything from mortgages to credit cards, at 5.25 percent, the highest in nearly six years.
Fed Chairman Ben Bernanke and his colleagues said in their post-meeting statement that the economy was continuing to moderate, in part because of widespread cooling in the housing market. Although inflation measures were still high, price pressures "seem likely to moderate," partly reflecting recent energy cost drops.
But the Fed repeated "inflation risks remain" and said the "extent and timing of any additional (rate) firming that may be needed" would depend on incoming data, suggesting more interest rate increases may be on the way.
"This leaves us in this kind of limbo state about whether the Fed hikes going forward," Lehman Bros. chief U.S. economist Ethan Harris says.
Harris predicts inflation pressures will force the Fed to raise rates twice more in the next six months. But other economists, including those at Moody's Economy.com and Global Insight, say the Fed is done.
The Fed next meets Oct. 24-25.
Lacking a clear signal on rates, investors initially erased some of the gains seen earlier in the session after the widely expected decision. The Dow Jones industrial average later bounced back, ending the day up 72.28 points at 11,613.19.
The Fed's decision Wednesday marked the second consecutive meeting in which U.S. central bankers have left rates unchanged. The Fed raised interest rates 17 times from June 2004 to June 2006 to remove stimulus put in place earlier in the decade and to stem inflationary pressures.
Data have pointed to a recent easing in price pressures, and oil prices are down more than 20 percent from the peak hit two months ago, potentially a positive development on the inflation front. Such declines have led investors to reduce expectations of future Fed action, a development that recently has also led to lower costs of borrowing for some loans, including mortgages. But other borrowing rates, such as for credit cards, are tied to the prime rate, which has not changed from 8.25 percent.
Despite recent declines, the consumer price data are still above where many Fed officials, including Bernanke, have said they would like to see inflation.
Higher inflation readings mean "There is still a very clear risk that we see another tightening," Briefing.com chief economist Timothy Rogers says.
As in August, Richmond Fed President Jeffrey Lacker issued a rare dissent, instead favoring a rate increase.
EN MARRERO REAL ESTATE PODEMOS CONSEGUIRLE LA PROPIEDAD QUE BUSCA CON LOS MEJORES TERMINOS DE FINANCIAMIENTO POSIBLE.
NUESTRA ETICA DE TRABAJO Y SERVICIO DE CALIDAD BUSCA QUE TODOS ALCANZEN SU OBJETIVOS DE UNA BUENA TRANSACCION DE BIENES RAICES.
YA SON MUCHOS LOS QUE HAN EXPERIMENTADO NUESTRO SERVICIO AL COMPRAR O VENDER SU PROPIEDAD CON NUESTRA EMPRESA.
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
787-486-7906
407-436-5140
FAX 407-344-9541
WWW.JOSERAULMARRERO
RAULMARREROJR@YAHOO.COM
TODOS SOMOS GUERREROS DE LUZ!
Copyright 2006 USA TODAY, a division of Gannett Co. Inc., Barbara Hagenbaugh
m
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
AUNQUE NO SOMOS ESPERTOS EN ASUNTOS ECONOMICOS, LES HARE EN UN IDIOMA BIEN SENCILLO DE COMO A MI MODO DE VER SE PUEDE INTERPRETAR ESTA NOTICIA.
EL FED EN VOTACION 10-1 DECIDE NO CAMBIAR LA TAZA DE INTERES ENTRE OTRAS RAZONES POR LA BAJA DEL PRECIO DEL PETROLIO Y EL FRIO MERCADO INMOBILARIO.
ESTOS IMPORTANTES FACTORES ECONOMICOS INFLUENCIAN FUERTEMENTE EN LA POSIBILIDAD DE AUMENTO EN LA INFLACION. AUNQUE EL FED NO DESCARTA TOTALMENTE UN AUMENTO EN LOS NIVELES INFLACIONARIOS EN LOS MESES VENIDEROS, ESTA BAJA DEL PRECIO DEL PETROLIO ACTUA COMO VALVULA DE ESCAPE A LA PRESION DE AUMENTAR LOS INTERESES POR CAUSAS DE INFLACION.
A CONTINUACION EL DETALLE DE LA NOTICIA
WASHINGTON -- Sept. 21, 2006 -- Federal Reserve policymakers left interest rates unchanged Wednesday but cautioned more rate increases could come later this year.
In a 10-1 vote, Fed officials left their target for short-term interest rates, which influence the cost of borrowing for everything from mortgages to credit cards, at 5.25 percent, the highest in nearly six years.
Fed Chairman Ben Bernanke and his colleagues said in their post-meeting statement that the economy was continuing to moderate, in part because of widespread cooling in the housing market. Although inflation measures were still high, price pressures "seem likely to moderate," partly reflecting recent energy cost drops.
But the Fed repeated "inflation risks remain" and said the "extent and timing of any additional (rate) firming that may be needed" would depend on incoming data, suggesting more interest rate increases may be on the way.
"This leaves us in this kind of limbo state about whether the Fed hikes going forward," Lehman Bros. chief U.S. economist Ethan Harris says.
Harris predicts inflation pressures will force the Fed to raise rates twice more in the next six months. But other economists, including those at Moody's Economy.com and Global Insight, say the Fed is done.
The Fed next meets Oct. 24-25.
Lacking a clear signal on rates, investors initially erased some of the gains seen earlier in the session after the widely expected decision. The Dow Jones industrial average later bounced back, ending the day up 72.28 points at 11,613.19.
The Fed's decision Wednesday marked the second consecutive meeting in which U.S. central bankers have left rates unchanged. The Fed raised interest rates 17 times from June 2004 to June 2006 to remove stimulus put in place earlier in the decade and to stem inflationary pressures.
Data have pointed to a recent easing in price pressures, and oil prices are down more than 20 percent from the peak hit two months ago, potentially a positive development on the inflation front. Such declines have led investors to reduce expectations of future Fed action, a development that recently has also led to lower costs of borrowing for some loans, including mortgages. But other borrowing rates, such as for credit cards, are tied to the prime rate, which has not changed from 8.25 percent.
Despite recent declines, the consumer price data are still above where many Fed officials, including Bernanke, have said they would like to see inflation.
Higher inflation readings mean "There is still a very clear risk that we see another tightening," Briefing.com chief economist Timothy Rogers says.
As in August, Richmond Fed President Jeffrey Lacker issued a rare dissent, instead favoring a rate increase.
EN MARRERO REAL ESTATE PODEMOS CONSEGUIRLE LA PROPIEDAD QUE BUSCA CON LOS MEJORES TERMINOS DE FINANCIAMIENTO POSIBLE.
NUESTRA ETICA DE TRABAJO Y SERVICIO DE CALIDAD BUSCA QUE TODOS ALCANZEN SU OBJETIVOS DE UNA BUENA TRANSACCION DE BIENES RAICES.
YA SON MUCHOS LOS QUE HAN EXPERIMENTADO NUESTRO SERVICIO AL COMPRAR O VENDER SU PROPIEDAD CON NUESTRA EMPRESA.
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
787-486-7906
407-436-5140
FAX 407-344-9541
WWW.JOSERAULMARRERO
RAULMARREROJR@YAHOO.COM
TODOS SOMOS GUERREROS DE LUZ!
Copyright 2006 USA TODAY, a division of Gannett Co. Inc., Barbara Hagenbaugh
m
Thursday, September 21, 2006
AUMENTA EL VALOR PROMEDIO DE LAS PROPIEDADES DURANTE EL MES DE JULIO A PESAR DEL CAMBIO DEL MERCADO Y EL DE EL AREA DE OCALA CONTINUA A BUEN RITMO
MARRERO REAL ESTATE BROKER LIC
JOSE RAUL MARRERO
BROKER REAL ESTATE LIC
ES SIGNIFICATIVO ABSERVAR UE EL VALOR PROMEDIO DE LAS PROPIEADES CONTINUA REFLEJANDO UN AUMENTO AUNQUE LEVE A PESAR DEL CAMBIO DE SELLER MARKET (VENTAJA PARA EL VENDEDOR) A BUYER MARKET.
AUNQUE EXISTE UN DECLIVE EN LAS VENTAS DE PROPIEDADES DURANTE ESTE PERIODO COMPARADO CON EL ANO 2005, MUCHOS ANALISTAS SOSTIENEN QUE REALMENTE EL MERCADO SE ESTA NORMALIZANDO YA QUE ERA IMPOSIBLE QUE SE SOSTUVIERA POR SEXTO ANO CONSECUTIVO MARGENES DE GANANCIA POR CAPITAL GAIN O EQUITY DE LAS PROPIEDADES EN UNOS MARGENES TAN GRANDES Y VENTAJOSOS.
A CONTINUACION DETALLES
Florida's existing home sales ease, median price rises slightly in July
NAR: Existing home sales down with softening prices
ORLANDO, Fla., Aug. 23, 2006 -- Florida's housing sector continued to show signs of market adjustments in July as mortgage rates edged up and the inventory of homes available for sale remained at higher levels in many markets. Statewide, the existing-home median price rose 1 percent to $250,800 last month; a year ago, it was $248,200, according to the Florida Association of Realtors® (FAR). A total of 14,451 existing single-family homes sold statewide last month, a decrease of 33 percent from the 21,691 homes sold during the previous July, according to FAR.
In July 2001, the statewide median sales price was $132,000, representing an increase of about 90 percent over the five-year period, according to FAR records. The median is a typical market price where half the homes sold for more, half sold for less.
Nationally, the median sales price for existing single-family homes was $231,500 in June, up 1.1 percent from a year earlier, according to the National Association of Realtors® (NAR). In California, the statewide median resales price was $575,800 in June; in Massachusetts, it was $370,000; in Maryland, it was $320,750; and in New York, it was $279,000.
Over the past few months, home sales in the U.S. have held to a narrow range -- a sign that the U.S. housing market is stabilizing, according to NAR housing industry analysts. Sales overall remain historically strong, NAR notes, with 2006 projected to be the third strongest sales year on record.
Looking to Florida's existing condominium market, sales of existing condos also decreased in July, with a total of 4,260 condos sold statewide compared to 6,739 in July 2005 for a 37 percent decrease, according to FAR. The statewide median sales price for condos last month was $210,200; a year ago, it was $211,900 for a 1 percent decrease. The national median existing condo price in June 2006 was $226,900.
According to Freddie Mac, the average rate for a 30-year fixed-rate mortgage was 6.76 percent last month, up from 5.70 percent in July 2005. FAR’s sales figures reflect closings, which typically occur 30 to 90 days after sales contracts are written.
Among the state’s larger markets, the Miami metropolitan statistical area (MSA) reported 673 existing homes sold last month compared to 1,092 homes sold in July 2005 for a 38 percent decline. The market’s median existing home price rose 5 percent to $382,200; a year ago, it was $363,800. A total of 837 existing condos changed hands in Miami in July for a 12 percent decrease over the 949 condos sold the previous year. The market's median existing condo price was $252,000; a year ago, it was $281,900 for an 11 percent decrease.
Pat Dahne, chairman of the Realtor Association of Greater Miami and the Beaches and broker-owner of Pat Dahne Realty Group, says of the adjusting housing market: "It's like a car slowing down. You can go from traveling 40 miles an hour to 30 miles an hour, and that's a 25 percent drop in your speed. But it doesn't mean you're going backwards." Miami's diverse economy provides a strong foundation for its housing sector, Dahne says. "Tourism and service industries are an important part of the economy, but there is also healthcare, major banking and finance centers, manufacturing and international shipping with the Port of Miami," she notes. "Many businesses have their Latin American headquarters here -- Miami is a business hub with global appeal."
Of the state’s smaller markets, the Ocala MSA reported a total of 525 existing homes sold in July compared to 528 homes sold a year earlier for a 1 percent decline. The area’s median existing home sales price rose 20 percent to $177,200; a year ago, it was $147,400.
"In our area, the median sales price remains solid and homes are continuing to sell … the market is leveling to a more even playing field between buyers and sellers," says Wilbur Van Wyck, president of the Ocala/Marion County Association of Realtors and broker-owner of Coldwell Banker Riverland Realty. "Part of our appeal is the natural beauty of the area. We have Silver Springs, Rainbow Springs and the Ocala National Forest; we're not far from the Gulf of Mexico and those beautiful beaches. Whether you enjoy horseback riding, hiking, camping, fishing or beach activities, there's an outlet for it around the Ocala area."
EN MARRERO REAL ESTATE BROKERAGE TENEMOS EXCELENTES LOTES DISPONIBLES EN EL AREA DE OCALA.
PUEDEN COMINICARSE DIRECTAMENTE AL 407-436-5140 O AL 787-486-7906
JOSE RAUL MARRERO
WWW.JOSERAULMARRERO.COM
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
BROKER REAL ESTATE LIC
ES SIGNIFICATIVO ABSERVAR UE EL VALOR PROMEDIO DE LAS PROPIEADES CONTINUA REFLEJANDO UN AUMENTO AUNQUE LEVE A PESAR DEL CAMBIO DE SELLER MARKET (VENTAJA PARA EL VENDEDOR) A BUYER MARKET.
AUNQUE EXISTE UN DECLIVE EN LAS VENTAS DE PROPIEDADES DURANTE ESTE PERIODO COMPARADO CON EL ANO 2005, MUCHOS ANALISTAS SOSTIENEN QUE REALMENTE EL MERCADO SE ESTA NORMALIZANDO YA QUE ERA IMPOSIBLE QUE SE SOSTUVIERA POR SEXTO ANO CONSECUTIVO MARGENES DE GANANCIA POR CAPITAL GAIN O EQUITY DE LAS PROPIEDADES EN UNOS MARGENES TAN GRANDES Y VENTAJOSOS.
A CONTINUACION DETALLES
Florida's existing home sales ease, median price rises slightly in July
NAR: Existing home sales down with softening prices
ORLANDO, Fla., Aug. 23, 2006 -- Florida's housing sector continued to show signs of market adjustments in July as mortgage rates edged up and the inventory of homes available for sale remained at higher levels in many markets. Statewide, the existing-home median price rose 1 percent to $250,800 last month; a year ago, it was $248,200, according to the Florida Association of Realtors® (FAR). A total of 14,451 existing single-family homes sold statewide last month, a decrease of 33 percent from the 21,691 homes sold during the previous July, according to FAR.
In July 2001, the statewide median sales price was $132,000, representing an increase of about 90 percent over the five-year period, according to FAR records. The median is a typical market price where half the homes sold for more, half sold for less.
Nationally, the median sales price for existing single-family homes was $231,500 in June, up 1.1 percent from a year earlier, according to the National Association of Realtors® (NAR). In California, the statewide median resales price was $575,800 in June; in Massachusetts, it was $370,000; in Maryland, it was $320,750; and in New York, it was $279,000.
Over the past few months, home sales in the U.S. have held to a narrow range -- a sign that the U.S. housing market is stabilizing, according to NAR housing industry analysts. Sales overall remain historically strong, NAR notes, with 2006 projected to be the third strongest sales year on record.
Looking to Florida's existing condominium market, sales of existing condos also decreased in July, with a total of 4,260 condos sold statewide compared to 6,739 in July 2005 for a 37 percent decrease, according to FAR. The statewide median sales price for condos last month was $210,200; a year ago, it was $211,900 for a 1 percent decrease. The national median existing condo price in June 2006 was $226,900.
According to Freddie Mac, the average rate for a 30-year fixed-rate mortgage was 6.76 percent last month, up from 5.70 percent in July 2005. FAR’s sales figures reflect closings, which typically occur 30 to 90 days after sales contracts are written.
Among the state’s larger markets, the Miami metropolitan statistical area (MSA) reported 673 existing homes sold last month compared to 1,092 homes sold in July 2005 for a 38 percent decline. The market’s median existing home price rose 5 percent to $382,200; a year ago, it was $363,800. A total of 837 existing condos changed hands in Miami in July for a 12 percent decrease over the 949 condos sold the previous year. The market's median existing condo price was $252,000; a year ago, it was $281,900 for an 11 percent decrease.
Pat Dahne, chairman of the Realtor Association of Greater Miami and the Beaches and broker-owner of Pat Dahne Realty Group, says of the adjusting housing market: "It's like a car slowing down. You can go from traveling 40 miles an hour to 30 miles an hour, and that's a 25 percent drop in your speed. But it doesn't mean you're going backwards." Miami's diverse economy provides a strong foundation for its housing sector, Dahne says. "Tourism and service industries are an important part of the economy, but there is also healthcare, major banking and finance centers, manufacturing and international shipping with the Port of Miami," she notes. "Many businesses have their Latin American headquarters here -- Miami is a business hub with global appeal."
Of the state’s smaller markets, the Ocala MSA reported a total of 525 existing homes sold in July compared to 528 homes sold a year earlier for a 1 percent decline. The area’s median existing home sales price rose 20 percent to $177,200; a year ago, it was $147,400.
"In our area, the median sales price remains solid and homes are continuing to sell … the market is leveling to a more even playing field between buyers and sellers," says Wilbur Van Wyck, president of the Ocala/Marion County Association of Realtors and broker-owner of Coldwell Banker Riverland Realty. "Part of our appeal is the natural beauty of the area. We have Silver Springs, Rainbow Springs and the Ocala National Forest; we're not far from the Gulf of Mexico and those beautiful beaches. Whether you enjoy horseback riding, hiking, camping, fishing or beach activities, there's an outlet for it around the Ocala area."
EN MARRERO REAL ESTATE BROKERAGE TENEMOS EXCELENTES LOTES DISPONIBLES EN EL AREA DE OCALA.
PUEDEN COMINICARSE DIRECTAMENTE AL 407-436-5140 O AL 787-486-7906
JOSE RAUL MARRERO
WWW.JOSERAULMARRERO.COM
TODOS SOMOS GUERREROS DE LUZ!
Wednesday, September 20, 2006
LA CONSTRUCION DE NUEVOS HOGARES REFLEJA DECLIVE DE 6% EN EL MES DE AGOSTO
MARRERO REAL ESTATE BROKERAGE
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
EN OTRO REFLEJO DEL CAMBIO DE MERCADO EL INVENTARIO DE NUEVA CONSTRUCCION DE HOGARES REFLEJO DURANTE EL MES DE AGOSTO UNA MERMA DE 6% COMPARADO CON EL MES DE JULIO DE 2006.
A CONTINUACION DETALLES DE LA NOTICIA
Housing starts drop in August
Builder confidence slips along with housing starts
WASHINGTON -- Sept. 19, 2006 -- Housing starts suffered an unexpectedly steep decline in August as reported today by the U.S. Census Bureau and the Department of Housing and Urban Development (HUD).
Housing starts fell at a seasonally adjusted annual rate of 6 percent in August, or about twice as fast as economists expected. It's the fifth decline in six months and the lowest point for housing starts in over three years.
Privately owned housing starts in August were at a seasonally adjusted annual rate of 1,665,000, or 6 percent below the revised July estimate of 1,772,000 and 19.8 percent below the August 2005 rate of 2,075,000.
Single-family housing starts in August were at a rate of 1,360,000 -- this is 5.9 percent below the July figure of 1,445,000. The August rate for units in buildings with five units or more was 265,000.
Privately owned housing units authorized by building permits in August, an indicator of future housing starts, were at a seasonally adjusted annual rate of 1,722,000 -- 2.3 percent below the revised July rate of 1,763,000 and 21.9 percent below the August 2005 estimate of 2,205,000.
Single-family authorizations in August were at a rate of 1,279,000, which is 3.5 percent below the July figure of 1,325,000. Authorizations of units in buildings with five units or more were at a rate of 370,000.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ORIENTARLES.
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
EN OTRO REFLEJO DEL CAMBIO DE MERCADO EL INVENTARIO DE NUEVA CONSTRUCCION DE HOGARES REFLEJO DURANTE EL MES DE AGOSTO UNA MERMA DE 6% COMPARADO CON EL MES DE JULIO DE 2006.
A CONTINUACION DETALLES DE LA NOTICIA
Housing starts drop in August
Builder confidence slips along with housing starts
WASHINGTON -- Sept. 19, 2006 -- Housing starts suffered an unexpectedly steep decline in August as reported today by the U.S. Census Bureau and the Department of Housing and Urban Development (HUD).
Housing starts fell at a seasonally adjusted annual rate of 6 percent in August, or about twice as fast as economists expected. It's the fifth decline in six months and the lowest point for housing starts in over three years.
Privately owned housing starts in August were at a seasonally adjusted annual rate of 1,665,000, or 6 percent below the revised July estimate of 1,772,000 and 19.8 percent below the August 2005 rate of 2,075,000.
Single-family housing starts in August were at a rate of 1,360,000 -- this is 5.9 percent below the July figure of 1,445,000. The August rate for units in buildings with five units or more was 265,000.
Privately owned housing units authorized by building permits in August, an indicator of future housing starts, were at a seasonally adjusted annual rate of 1,722,000 -- 2.3 percent below the revised July rate of 1,763,000 and 21.9 percent below the August 2005 estimate of 2,205,000.
Single-family authorizations in August were at a rate of 1,279,000, which is 3.5 percent below the July figure of 1,325,000. Authorizations of units in buildings with five units or more were at a rate of 370,000.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ORIENTARLES.
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
Tuesday, September 19, 2006
VUELVE A BAJAR TAZA DE INTERESES HIPOTECARIOS
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILOSO DIA PARA USTED
LA TAZA DE INTERES HIPOTECARIO REGRESO A LOS NIVELES DE ABRIL DE 2006, REFLEJANDO UNA BAJA DESDE 6.47 A 6.43.
ES UN EXCELENTE MOMENTO PARA HACER VENTAJOSAS OFERTAS DE COMPRAR PROPIEDADES EN EL ESTADO DE LA FLORIDA DONDE MUCHAS PROPIEDADES LLEVAN ALGUN TIEMPO EN EL MERCADO.
Rates on 30-year mortgages drop to lowest level since April
Expect more of the same: Sixty percent of the mortgage experts polled by Bankrate.com predict no change in mortgage rates over the next 30 to 45 days. Only 10 percent predicted a drop, however, with the remaining 30 percent forecasting a rise.
WASHINGTON -- Sept. 15, 2006 -- Rates on 30-year mortgages fell for the seventh time in the past eight weeks, dropping to the lowest level since early April.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages dipped to 6.43 percent this week, down from 6.47 percent last week.
Rates on 30-year mortgages had hit a four-year high of 6.80 percent on July 20 before beginning the sustained slide.
Investors have become more convinced in recent weeks that a drop in oil prices will keep inflation under control and allow the Federal Reserve to keep interest rates steady.
The Fed meets next week amid widespread expectations that policymakers will leave rates unchanged for a second straight meeting following a string of 17 consecutive rate hikes over two years.
Frank Nothaft, chief economist at Freddie Mac, said he expected mortgage rates to stay around current levels as long as inflation remains under control.
"The risk to our forecast of relatively stable mortgage rates is that inflation will unexpectedly heat up, causing bond markets to raise their expectations that the Fed will intervene," Nothaft said. "In that case, mortgage rates will again start to rise."
Home sales are expected to fall by around 10 percent this year as the once booming housing market comes back to earth after setting sales records for five straight years.
Rates on other types of mortgages declined as well this week. Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.11 percent, down from 6.16 percent last week.
For one-year adjustable-rate mortgages, rates dipped to 5.60 percent, down from 5.63 percent last week.
Rates on five-year adjustable-rate mortgages fell to 6.10 percent this week, compared to 6.14 percent last week.
The mortgage rates do not include add-on fees known as points. Thirty-year mortgages carried a nationwide average fee of 0.5 point while 15-year mortgages had a fee of 0.4 point. One-year ARMS carried a fee of 0.7 point and five-year ARMs had a fee of 0.6 point.
A year ago, 30-year mortgages averaged 5.74 percent, 15-year mortgages stood at 5.32 percent, one-year ARMs were at 4.46 percent and five-year ARMs averaged 5.26 percent.
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILOSO DIA PARA USTED
LA TAZA DE INTERES HIPOTECARIO REGRESO A LOS NIVELES DE ABRIL DE 2006, REFLEJANDO UNA BAJA DESDE 6.47 A 6.43.
ES UN EXCELENTE MOMENTO PARA HACER VENTAJOSAS OFERTAS DE COMPRAR PROPIEDADES EN EL ESTADO DE LA FLORIDA DONDE MUCHAS PROPIEDADES LLEVAN ALGUN TIEMPO EN EL MERCADO.
Rates on 30-year mortgages drop to lowest level since April
Expect more of the same: Sixty percent of the mortgage experts polled by Bankrate.com predict no change in mortgage rates over the next 30 to 45 days. Only 10 percent predicted a drop, however, with the remaining 30 percent forecasting a rise.
WASHINGTON -- Sept. 15, 2006 -- Rates on 30-year mortgages fell for the seventh time in the past eight weeks, dropping to the lowest level since early April.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages dipped to 6.43 percent this week, down from 6.47 percent last week.
Rates on 30-year mortgages had hit a four-year high of 6.80 percent on July 20 before beginning the sustained slide.
Investors have become more convinced in recent weeks that a drop in oil prices will keep inflation under control and allow the Federal Reserve to keep interest rates steady.
The Fed meets next week amid widespread expectations that policymakers will leave rates unchanged for a second straight meeting following a string of 17 consecutive rate hikes over two years.
Frank Nothaft, chief economist at Freddie Mac, said he expected mortgage rates to stay around current levels as long as inflation remains under control.
"The risk to our forecast of relatively stable mortgage rates is that inflation will unexpectedly heat up, causing bond markets to raise their expectations that the Fed will intervene," Nothaft said. "In that case, mortgage rates will again start to rise."
Home sales are expected to fall by around 10 percent this year as the once booming housing market comes back to earth after setting sales records for five straight years.
Rates on other types of mortgages declined as well this week. Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.11 percent, down from 6.16 percent last week.
For one-year adjustable-rate mortgages, rates dipped to 5.60 percent, down from 5.63 percent last week.
Rates on five-year adjustable-rate mortgages fell to 6.10 percent this week, compared to 6.14 percent last week.
The mortgage rates do not include add-on fees known as points. Thirty-year mortgages carried a nationwide average fee of 0.5 point while 15-year mortgages had a fee of 0.4 point. One-year ARMS carried a fee of 0.7 point and five-year ARMs had a fee of 0.6 point.
A year ago, 30-year mortgages averaged 5.74 percent, 15-year mortgages stood at 5.32 percent, one-year ARMs were at 4.46 percent and five-year ARMs averaged 5.26 percent.
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
Friday, September 15, 2006
LUEGO DE CINCO ANOS DE SELLER MARKET CAMBIA EL MERCADO DE BIENES RAICES EN LA FLORIDA.
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
LUEGO DE CINCO ANOS DE TENER UN MERCADO DE BIENES RAICES CON MUCHAS VENTAJAS PARA LOS VENDEDORES EL MERCADO HA CAMBIADO DRAMATICAMENTE.
EN MARRERO REAL ESTATE BROKERAGE ESTAMOS OBSERVANDO COMO LOS COMPRADORES PRESENTAN OFERTAS BAJO EL MARKET PRICE CON APORTACIONES SUSTANCIALES A LOS GASTOS DE CIERRE, SECOND MONEY MORTGAGE, ECT.
A CONTINUACION REPORTAJE SOBRE MERCADO DE BIENES RAICES EN FLORIDA ACTUALMENTE.
: Home prices expected to fall for remainder of 2006
WASHINGTON -- Sept. 14, 2006 -- Housing prices will have a limited fall throughout 2006, according to testimony submitted by the National Association of Realtors® (NAR) at yesterday's Senate Banking Committee hearing on the economy. In addition, NAR noted that the sellers’ market is transitioning to a buyers’ market, which can be healthy for some local economies.
"For the past five years, the housing market has been a steadfast leader in the U.S. economy," Thomas M. Stevens, president of NAR, told the Senate Subcommittee on Housing and Transportation and the Senate Subcommittee on Economic Policy. "After five years of outstanding growth, the housing market is undergoing a period of adjustment and becoming more and more of a balanced market between buyers and sellers."
Stevens said that home prices nationwide are still showing slight appreciation -- though less than 1 percent -- where over the past few years homes were appreciating at double-digit rates. "While recent developments raise concern, it is important to remember that the housing market varies significantly across the country," said Stevens. One-third of the country (by population) is still seeing rising home prices, including Alaska, New Mexico, Vermont and many states in the South, excluding Florida. States that experienced the greatest increases in home prices in recent years are experiencing significantly lower sales, such as Arizona, California, Florida, Nevada and Virginia.
"Contrary to many reports, there is not a 'national housing bubble,'" said Stevens. "We were seeing home prices and mortgage debt servicing cost-to-income ratios increase to unhealthy levels in some housing markets, which precipitate an adjustment." Also contributing to the cooling housing market is an increase in mortgage rates of nearly one point, speculative investors pulling back and first-time buyers being priced out of the market.
Adjustments to the housing market are not unique and can often times be necessary, said Stevens. In addition to the rapid appreciation of years past, the rise in mortgage rates affects a homebuyer’s ability to finance and purchase a home. "Pressure is being felt in the housing market due to rising mortgage rates," said Stevens. "With rising interest rates, homebuyers have become exhausted financially which explains why sales have tumbled in higher-priced regions of the country."
NAR forecasts a drop in home sales of around 8 percent in 2006, followed by another 2 percent decline in 2007. These numbers are based on the stabilizing of mortgage rates and modest expansion of the economy. Also predicted is that home price growth will be minimal -- less than 3 percent in 2006 and 2007. However, NAR warns that a significant shift in interest rates or a change in the economy would change this forecast. NAR notes that a soft landing is possible under the right circumstances and affordable mortgage financing is an important component in achieving this.
"Because the housing market strongly supports the economy and drives consumer spending, it is imperative that the Congress adopt policies that encourage homeownership and make purchasing a home obtainable for the millions of families who desire to own a home of their own. NAR stands ready to work with Congress to continue to open the door to the American dream of homeownership," said Stevens.
In 2005, the housing sector directly contributed more than $2 trillion to the national economy, accounting for 16.2 percent of the economic activity, according to the NAR testimony.
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
LUEGO DE CINCO ANOS DE TENER UN MERCADO DE BIENES RAICES CON MUCHAS VENTAJAS PARA LOS VENDEDORES EL MERCADO HA CAMBIADO DRAMATICAMENTE.
EN MARRERO REAL ESTATE BROKERAGE ESTAMOS OBSERVANDO COMO LOS COMPRADORES PRESENTAN OFERTAS BAJO EL MARKET PRICE CON APORTACIONES SUSTANCIALES A LOS GASTOS DE CIERRE, SECOND MONEY MORTGAGE, ECT.
A CONTINUACION REPORTAJE SOBRE MERCADO DE BIENES RAICES EN FLORIDA ACTUALMENTE.
: Home prices expected to fall for remainder of 2006
WASHINGTON -- Sept. 14, 2006 -- Housing prices will have a limited fall throughout 2006, according to testimony submitted by the National Association of Realtors® (NAR) at yesterday's Senate Banking Committee hearing on the economy. In addition, NAR noted that the sellers’ market is transitioning to a buyers’ market, which can be healthy for some local economies.
"For the past five years, the housing market has been a steadfast leader in the U.S. economy," Thomas M. Stevens, president of NAR, told the Senate Subcommittee on Housing and Transportation and the Senate Subcommittee on Economic Policy. "After five years of outstanding growth, the housing market is undergoing a period of adjustment and becoming more and more of a balanced market between buyers and sellers."
Stevens said that home prices nationwide are still showing slight appreciation -- though less than 1 percent -- where over the past few years homes were appreciating at double-digit rates. "While recent developments raise concern, it is important to remember that the housing market varies significantly across the country," said Stevens. One-third of the country (by population) is still seeing rising home prices, including Alaska, New Mexico, Vermont and many states in the South, excluding Florida. States that experienced the greatest increases in home prices in recent years are experiencing significantly lower sales, such as Arizona, California, Florida, Nevada and Virginia.
"Contrary to many reports, there is not a 'national housing bubble,'" said Stevens. "We were seeing home prices and mortgage debt servicing cost-to-income ratios increase to unhealthy levels in some housing markets, which precipitate an adjustment." Also contributing to the cooling housing market is an increase in mortgage rates of nearly one point, speculative investors pulling back and first-time buyers being priced out of the market.
Adjustments to the housing market are not unique and can often times be necessary, said Stevens. In addition to the rapid appreciation of years past, the rise in mortgage rates affects a homebuyer’s ability to finance and purchase a home. "Pressure is being felt in the housing market due to rising mortgage rates," said Stevens. "With rising interest rates, homebuyers have become exhausted financially which explains why sales have tumbled in higher-priced regions of the country."
NAR forecasts a drop in home sales of around 8 percent in 2006, followed by another 2 percent decline in 2007. These numbers are based on the stabilizing of mortgage rates and modest expansion of the economy. Also predicted is that home price growth will be minimal -- less than 3 percent in 2006 and 2007. However, NAR warns that a significant shift in interest rates or a change in the economy would change this forecast. NAR notes that a soft landing is possible under the right circumstances and affordable mortgage financing is an important component in achieving this.
"Because the housing market strongly supports the economy and drives consumer spending, it is imperative that the Congress adopt policies that encourage homeownership and make purchasing a home obtainable for the millions of families who desire to own a home of their own. NAR stands ready to work with Congress to continue to open the door to the American dream of homeownership," said Stevens.
In 2005, the housing sector directly contributed more than $2 trillion to the national economy, accounting for 16.2 percent of the economic activity, according to the NAR testimony.
Wednesday, September 13, 2006
LUEGO DE SEIS SEMANAS CONSECUTIVAS EN BAJA LOS INTERESES HIPOTECARIOS MUESTRAN ALZA NUEVAMENTE
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
LUEGO DE SEIS SEMANAS DURANTE EL CUAL LOS INTERESES HIPOTECARIOS ESTABAN REFLEJANDO BAJAS, ESTA SEMANA PASADA REFLEJO UN LEVE AUMENTO. A CONTINUACION EL TEXTO DE LA NOTICIA.
Rates on 30-year mortgages increase after 6 weeks of declines
Mortgage Rate Trend Index
Up or down for mortgage rates? Mortgage industry experts polled by Bankrate.com this week expect mortgage rates to remain unchanged (60 percent) or up (30 percent) over the next 30 to 45 days. The rest (10 percent) predict a decrease.
WASHINGTON -- Sept. 8, 2006 -- Rates on 30-year mortgages edged up slightly this week, after six consecutive weeks of declines.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages rose to 6.47 percent this week, up from 6.44 percent last week.
It was the first increase since July 20 when 30-year mortgages hit a four-year high of 6.80 percent. Since that time rates had been declining as investors became more convinced that a slowing economy would keep inflation in check and forestall any further interest rates increases by the Federal Reserve.
Rates on 30-year mortgages will likely fluctuate for the rest of the year in a narrow range of between 6.5 percent and 7 percent, predicted Freddie Mac chief economist Frank Nothaft.
The Fed left interest rates unchanged at its Aug. 10 meeting, breaking a two-year period of rate increases. Many private economists believe the central bank, which next meets on Sept. 20, may be finished raising rates as long as inflation pressures continue to decline.
After hitting record sales levels for five straight years, home sales are expected to fall by around 10 percent this year as the once-booming housing market comes back to earth.
"Higher rates have resulted in houses sitting on the market for longer periods of time, changing the real estate sector into more of a buyer's market from a seller's market," Nothaft said.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.16 percent this week, up from 6.14 percent last week.
For one-year adjustable-rate mortgages, rates rose to 5.63 percent, up from 5.59 percent last week.
Rates on five-year adjustable-rate mortgages edged up to 6.14 percent this week, compared to 6.11 percent last week.
The mortgage rates do not include add-on fees known as points. Thirty-year mortgages and 15-year mortgages both carried a nationwide average fee of 0.4 point. One-year ARMS carried a nationwide average fee of 0.7 point while five-year ARMs carried a fee of 0.5 point.
A year ago, 30-year mortgages averaged 5.71 percent, 15-year mortgages stood at 5.30 percent, one-year ARMs were at 4.45 percent and five-year ARMs averaged 5.24 percent.
EN MARRERO REAL ESTATE BROKERAGE TENEMOS ACCESO A EXPERTOS DE LA INDUSTRIA HIPOTECARIA. PERSONAS QUE INTEGRAMENTE BUSCAN LAS MEJORES SOLUCIONES PARA USTED.
GRACIAS POR VISITAR NUESTRA PAGINA
WWW.JOSERAULMARRERO.COM
787-486-7906
407-436-5140
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
LUEGO DE SEIS SEMANAS DURANTE EL CUAL LOS INTERESES HIPOTECARIOS ESTABAN REFLEJANDO BAJAS, ESTA SEMANA PASADA REFLEJO UN LEVE AUMENTO. A CONTINUACION EL TEXTO DE LA NOTICIA.
Rates on 30-year mortgages increase after 6 weeks of declines
Mortgage Rate Trend Index
Up or down for mortgage rates? Mortgage industry experts polled by Bankrate.com this week expect mortgage rates to remain unchanged (60 percent) or up (30 percent) over the next 30 to 45 days. The rest (10 percent) predict a decrease.
WASHINGTON -- Sept. 8, 2006 -- Rates on 30-year mortgages edged up slightly this week, after six consecutive weeks of declines.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages rose to 6.47 percent this week, up from 6.44 percent last week.
It was the first increase since July 20 when 30-year mortgages hit a four-year high of 6.80 percent. Since that time rates had been declining as investors became more convinced that a slowing economy would keep inflation in check and forestall any further interest rates increases by the Federal Reserve.
Rates on 30-year mortgages will likely fluctuate for the rest of the year in a narrow range of between 6.5 percent and 7 percent, predicted Freddie Mac chief economist Frank Nothaft.
The Fed left interest rates unchanged at its Aug. 10 meeting, breaking a two-year period of rate increases. Many private economists believe the central bank, which next meets on Sept. 20, may be finished raising rates as long as inflation pressures continue to decline.
After hitting record sales levels for five straight years, home sales are expected to fall by around 10 percent this year as the once-booming housing market comes back to earth.
"Higher rates have resulted in houses sitting on the market for longer periods of time, changing the real estate sector into more of a buyer's market from a seller's market," Nothaft said.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.16 percent this week, up from 6.14 percent last week.
For one-year adjustable-rate mortgages, rates rose to 5.63 percent, up from 5.59 percent last week.
Rates on five-year adjustable-rate mortgages edged up to 6.14 percent this week, compared to 6.11 percent last week.
The mortgage rates do not include add-on fees known as points. Thirty-year mortgages and 15-year mortgages both carried a nationwide average fee of 0.4 point. One-year ARMS carried a nationwide average fee of 0.7 point while five-year ARMs carried a fee of 0.5 point.
A year ago, 30-year mortgages averaged 5.71 percent, 15-year mortgages stood at 5.30 percent, one-year ARMs were at 4.45 percent and five-year ARMs averaged 5.24 percent.
EN MARRERO REAL ESTATE BROKERAGE TENEMOS ACCESO A EXPERTOS DE LA INDUSTRIA HIPOTECARIA. PERSONAS QUE INTEGRAMENTE BUSCAN LAS MEJORES SOLUCIONES PARA USTED.
GRACIAS POR VISITAR NUESTRA PAGINA
WWW.JOSERAULMARRERO.COM
787-486-7906
407-436-5140
Monday, September 11, 2006
TRANSACTION BROKER RELATIONSHIP DISCLOSURE
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC.
UN MARAVILLOSOS DIA PARA TODOS
HOY LES HABLARE UN POCO DE LAS DIFERENTES TIPOS DE ACUERDOS DE RELACION COMERCIAL ENTRE CORREDORES Y/O VENDEDORES (SALES ASSOC AND BROKER) CON LOS CLIENTES (COMPRADORES O VENDEDORES). TAMBIEN SOBRE UN DOCUMENTO O DISCLOSURE IMPORTANTE EN LA INDUSTRIA DE LAS BIENES RAICES EN EL ESTADO DE LA FLORIDA.
ENTRE UN SALES ASOC Y/O BROKER EXISTEN VARIOS TIPOS DE RELACIONES DE AGENCIA.
1. SINGLE AGENCY
2. TRANSACTION BROKER
3. NO BROKER NOTICE
SE SUPONE QUE EN CADA TRANSACCION RESIDENCIAL, EL LIC EN BIENES RAICES (SALESPERSON OR BROKER REAL ESTATE LIC) DISCUTA CON USTED EL TIPO DE RELACION DE AGENCIA QUE DESEAN ACORDAR.
A PARTIR DEL 1 JULIO DE 2006 PARA CADA TRANSACCION RESIDENCIAL, DE NO ESPECIFICAR EL TIPO DE RELACION, SE CONSIDERARA CADA TRANSACCION AUTOMATICAMENTE EN UN TRANSACTION BROKER RELATION.
EN ESTE TIPO DE RELACION DE AGENCIA SE DETALLA LO SIGUIENTE
1. DEALING HONESTLY AND FAIRLY
2. ACCOUNTING ALL FUNDS
3. USING SKILL, CARE AND DILIGENCE IN THE TRANSACTION
4. DISCLOSING ALL KNOWN FACTS THAT MATERIALLY AFFECT THE VALUE OF RESIDENTIAL REAL PROPERTY AND ARE NOT READLY OBSERVABLE TO THE BUYER.
5. PRESENT ALL OFFERS AND CONTRAOFFERS IN TIMELY MANNER, UNLEES A PARTY HAS PREVIOSLY DIRECTED THE LICENSE OTHERWISE IN WRITING;
6. LIMITED CONFIDENTIALITY, UNLESS WAIVED IN WRITING BY A PARTY. THIS LIMITED CONFIDENTIALITY WILL PREVENT DISCLOSURE THAT THE SELLER WILL ACCEPT A PRICE LESS THAN THE ASKING OR LISTED PRICE, THAT THE BUYER WILL PAY A PRICE GREATER THAN THE PRICE SUBMITTED IN A WRITTEN OFFER, OF THE MOTIVATION OF ANY PARTY FOR SELLING OR BUYING PROPERTY, THAT A SELLER OR BUYER WILL AGREE TO FINANCING TERMS OTHER THAN THOSE OFFERED, OR OF ANY OTHER INFORMATION REQUESTED BY A PARTY TO REMAIN CONFIDENTIAL AND
7. ANY ADDITIONAL DUTIES THAT ARE ENTERED INTO BY THIS OR BY SEPARATE WRITTEN AGREEMENT.
CUANDO EL BROKER OR SALESPERSON LE MUESTRE A USTED ESTE DOCUMENTO, PODRIA REQUERIR SU FIRMA Y USTED PODRIA DECIDIR FIRMARLO O NO. DE USTED NO FIRMARLO, EL BORKRER O SALESPERSON COLOCARIA UNA ANOTACION INDICANDO LA FECHA DE HABERLO MOSTRADO Y ARCHIVARIA EL MISMO.
SI DESEA COPIA DE ESTE DOCUMENTO (TRANSACTION BROKER NOTICE) O TIENE ALGUNA DUDA O PREGUNTA PUEDE COMINICARSE CON NUESTRAS OFICINAS CUANDO GUSTE.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA SERVIRLE.
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC.
UN MARAVILLOSOS DIA PARA TODOS
HOY LES HABLARE UN POCO DE LAS DIFERENTES TIPOS DE ACUERDOS DE RELACION COMERCIAL ENTRE CORREDORES Y/O VENDEDORES (SALES ASSOC AND BROKER) CON LOS CLIENTES (COMPRADORES O VENDEDORES). TAMBIEN SOBRE UN DOCUMENTO O DISCLOSURE IMPORTANTE EN LA INDUSTRIA DE LAS BIENES RAICES EN EL ESTADO DE LA FLORIDA.
ENTRE UN SALES ASOC Y/O BROKER EXISTEN VARIOS TIPOS DE RELACIONES DE AGENCIA.
1. SINGLE AGENCY
2. TRANSACTION BROKER
3. NO BROKER NOTICE
SE SUPONE QUE EN CADA TRANSACCION RESIDENCIAL, EL LIC EN BIENES RAICES (SALESPERSON OR BROKER REAL ESTATE LIC) DISCUTA CON USTED EL TIPO DE RELACION DE AGENCIA QUE DESEAN ACORDAR.
A PARTIR DEL 1 JULIO DE 2006 PARA CADA TRANSACCION RESIDENCIAL, DE NO ESPECIFICAR EL TIPO DE RELACION, SE CONSIDERARA CADA TRANSACCION AUTOMATICAMENTE EN UN TRANSACTION BROKER RELATION.
EN ESTE TIPO DE RELACION DE AGENCIA SE DETALLA LO SIGUIENTE
1. DEALING HONESTLY AND FAIRLY
2. ACCOUNTING ALL FUNDS
3. USING SKILL, CARE AND DILIGENCE IN THE TRANSACTION
4. DISCLOSING ALL KNOWN FACTS THAT MATERIALLY AFFECT THE VALUE OF RESIDENTIAL REAL PROPERTY AND ARE NOT READLY OBSERVABLE TO THE BUYER.
5. PRESENT ALL OFFERS AND CONTRAOFFERS IN TIMELY MANNER, UNLEES A PARTY HAS PREVIOSLY DIRECTED THE LICENSE OTHERWISE IN WRITING;
6. LIMITED CONFIDENTIALITY, UNLESS WAIVED IN WRITING BY A PARTY. THIS LIMITED CONFIDENTIALITY WILL PREVENT DISCLOSURE THAT THE SELLER WILL ACCEPT A PRICE LESS THAN THE ASKING OR LISTED PRICE, THAT THE BUYER WILL PAY A PRICE GREATER THAN THE PRICE SUBMITTED IN A WRITTEN OFFER, OF THE MOTIVATION OF ANY PARTY FOR SELLING OR BUYING PROPERTY, THAT A SELLER OR BUYER WILL AGREE TO FINANCING TERMS OTHER THAN THOSE OFFERED, OR OF ANY OTHER INFORMATION REQUESTED BY A PARTY TO REMAIN CONFIDENTIAL AND
7. ANY ADDITIONAL DUTIES THAT ARE ENTERED INTO BY THIS OR BY SEPARATE WRITTEN AGREEMENT.
CUANDO EL BROKER OR SALESPERSON LE MUESTRE A USTED ESTE DOCUMENTO, PODRIA REQUERIR SU FIRMA Y USTED PODRIA DECIDIR FIRMARLO O NO. DE USTED NO FIRMARLO, EL BORKRER O SALESPERSON COLOCARIA UNA ANOTACION INDICANDO LA FECHA DE HABERLO MOSTRADO Y ARCHIVARIA EL MISMO.
SI DESEA COPIA DE ESTE DOCUMENTO (TRANSACTION BROKER NOTICE) O TIENE ALGUNA DUDA O PREGUNTA PUEDE COMINICARSE CON NUESTRAS OFICINAS CUANDO GUSTE.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA SERVIRLE.
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
Friday, September 08, 2006
DIFERENCIA ENTRE UN REALTOR Y UN CORREDOR DE BIENES RAICES (BROKER OR SALES ASSOCT AND REALTOR)
MARRERO REAL ESTATE BROKER LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA
EN EL PUBLICO EXISTE UNA IDEA GENERALIZADA DE QUE UN REALTOR Y UN CORREDOR O VENDEDOR DE BIENES RAICES SON SINONIMOS.
ES IMPORTANTE SENALAR VARIOS ASPECTOS PARA ACLARAR ESTE CONCEPTO ERRONEO.
1. EL TERMINO REALTOR QUE VIENE DE(NATIONAL ASSSOCIATION OF REALTOR) ES UNA MARCA REGISTRADA Y SOLO LOS PROFECIONALES QUE SON MIEMBROS DE ESTA ENTIDAD Y SE COMPROMENTEN A CUMPLIR CON SU ESTRICTO CODIGO DE ETICA, ESTAN AUTORIZADOS A LLAMARSE REALTOR O REALTOR ASSOCIATE. ENTONCES ES IMPORTANTE ACLARAR QUE NO TODOS LOS CORREDORES Y/O VENDEDORES DE BIENES RAICES SE LES PUEDEN LLAMAR REALTOR.
2. EL CODIGO DE ETICA DE LA ASOCIACION NACIONAL DE REALTOR FUE REDACTADA POR PRIMERA VEZ EN EL ANO 1913. ESTE INCLUYE UN LENGUAJE DONDE SE DETALLAN LAS RESPONSABILIDADES HACIA LOS CONSUMIDORES, PUBLICO EN GENERAL Y OTROS COMPANEROS DE LA INDUSTRIA DE LAS BIENES RAICES ENTRE OTROS. LOS CORREDORES O VENDEDORES DE BIENES RAICES NO MIEMBROS DE LA ASOCIACION DE REALTOR ENTONCES SON RESPONSABLES DE CUMPLIR SOLO CON LEY 475 QUE REGULA ESTA PROFECION EN EL ESTADO DE LA FLORIDA.TAMBIEN NO PUEDEN UTILIZAR IMPORTANTISIMAS HERRAMIENTAS DE MERCADEO DE PROPIEDADES. LA ASOCIACION MANTIENE AL DIA A CADA MIEMBRO QUE PARTICIPA ACTIVAMENTE DE SUS REUNIONES EN CUANTO A LO ULTIMO QUE SUCEDE O AFECTA LA INDUSTRIA.
3. EN EL ANO 2002 LA ASOCIACION NACIONAL DE REALTOR DESARROLLO EL HOMESELLERS AND HOMEBUYERS DISPUTE RESOLUTIONS SYSTEM PARA SOMETER CASOS RELACIONADOS A LA INDUSTRIA DE BIENES RAICES EN DISPUTA UTILIZANDO LA MEDIACION EN VEZ DE EL ARBITRAJE. ESTO HACE QUE LOS CASOS EN CONTROVERSIA PUEDAN SE LLEVADOS DE UNA MANERA MAS ECONOMICA, POR QUE ABARATA COSTOS PARA LAS PARTES, Y LOS RESULADOS DE LA MEDIACION NO SON OBLIGATORIAS NI FINALES EN LEY A DIFERENCIA DEL EL ARBITRAJE. EN EL ARBITRAJE, DIFERENTE A LA MEDIACION, SE REQUIERE HABER FIRMADO UN COMPROMISO DONDE SE COMPROMETEN LAS PARTES A ACATAR EL RESULTADO DE UNA DISPUTA.
4. CUALQUIER PERSONA PUEDE RADICAR UNA QUERELLA SI ENTIENDE QUE ALGUN MIEMBRO DE LA ASOCIACION DE REALTOR HA INCUMPLIDO CON EL CODIGO DE ETICA DENTRO DE LOS 180 DIAS DESDE COMETIDO LA ALEGADA VIOLACION AL BOARD DONDE ES MIEMBRO ESTE REALTOR.
ESTA QUERRELLA SERA EVALUADA POR EL GRIEVANCE COMMITTE Y SOMETERA ADELANTE AL PROFECIONAL STANDAR COMMITTE DE ENCONTRASE CAUSA PROBABLE. LA PREPONDERANCIA DE LA EVIDENCIA JUEGA UN PAPEL FUNDAMENTAL EN EL RESULTADO FINAL DE CUALQUIER QUERELLA RADICADA.
FINALMENTE PODEMOS CONCLUIR QUE POR LAS RAZONES ANTERIORMENTE EXPUESTAS LA UTILIZACION DE LOS SERVICIOS DE UN PROFECIONAL DE BIENES RAICES MIEMBRO DE LA ASOCIACION DE REALTOR ES UNA VENTAJA SIGNIFICATIVA PARA LOS CONSUMIDORES.
MARRERO REAL ESTATE BROKERAGE LLC PERTENECE A LA ASOCIACION DE REALTOR DEL OSCEOLA COUNTY.
ESTAMOS PARA SERVIRLE EN EXCELENCIA SIEMPRE.
JOSE RAUL MARRERO
787-486-7906/407-436-5140
FAX 407 344-9541
WWW.JOSERAULMARRERO.COM
IMAIL = RAULMARREROJR@YAHOO.COM
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA
EN EL PUBLICO EXISTE UNA IDEA GENERALIZADA DE QUE UN REALTOR Y UN CORREDOR O VENDEDOR DE BIENES RAICES SON SINONIMOS.
ES IMPORTANTE SENALAR VARIOS ASPECTOS PARA ACLARAR ESTE CONCEPTO ERRONEO.
1. EL TERMINO REALTOR QUE VIENE DE(NATIONAL ASSSOCIATION OF REALTOR) ES UNA MARCA REGISTRADA Y SOLO LOS PROFECIONALES QUE SON MIEMBROS DE ESTA ENTIDAD Y SE COMPROMENTEN A CUMPLIR CON SU ESTRICTO CODIGO DE ETICA, ESTAN AUTORIZADOS A LLAMARSE REALTOR O REALTOR ASSOCIATE. ENTONCES ES IMPORTANTE ACLARAR QUE NO TODOS LOS CORREDORES Y/O VENDEDORES DE BIENES RAICES SE LES PUEDEN LLAMAR REALTOR.
2. EL CODIGO DE ETICA DE LA ASOCIACION NACIONAL DE REALTOR FUE REDACTADA POR PRIMERA VEZ EN EL ANO 1913. ESTE INCLUYE UN LENGUAJE DONDE SE DETALLAN LAS RESPONSABILIDADES HACIA LOS CONSUMIDORES, PUBLICO EN GENERAL Y OTROS COMPANEROS DE LA INDUSTRIA DE LAS BIENES RAICES ENTRE OTROS. LOS CORREDORES O VENDEDORES DE BIENES RAICES NO MIEMBROS DE LA ASOCIACION DE REALTOR ENTONCES SON RESPONSABLES DE CUMPLIR SOLO CON LEY 475 QUE REGULA ESTA PROFECION EN EL ESTADO DE LA FLORIDA.TAMBIEN NO PUEDEN UTILIZAR IMPORTANTISIMAS HERRAMIENTAS DE MERCADEO DE PROPIEDADES. LA ASOCIACION MANTIENE AL DIA A CADA MIEMBRO QUE PARTICIPA ACTIVAMENTE DE SUS REUNIONES EN CUANTO A LO ULTIMO QUE SUCEDE O AFECTA LA INDUSTRIA.
3. EN EL ANO 2002 LA ASOCIACION NACIONAL DE REALTOR DESARROLLO EL HOMESELLERS AND HOMEBUYERS DISPUTE RESOLUTIONS SYSTEM PARA SOMETER CASOS RELACIONADOS A LA INDUSTRIA DE BIENES RAICES EN DISPUTA UTILIZANDO LA MEDIACION EN VEZ DE EL ARBITRAJE. ESTO HACE QUE LOS CASOS EN CONTROVERSIA PUEDAN SE LLEVADOS DE UNA MANERA MAS ECONOMICA, POR QUE ABARATA COSTOS PARA LAS PARTES, Y LOS RESULADOS DE LA MEDIACION NO SON OBLIGATORIAS NI FINALES EN LEY A DIFERENCIA DEL EL ARBITRAJE. EN EL ARBITRAJE, DIFERENTE A LA MEDIACION, SE REQUIERE HABER FIRMADO UN COMPROMISO DONDE SE COMPROMETEN LAS PARTES A ACATAR EL RESULTADO DE UNA DISPUTA.
4. CUALQUIER PERSONA PUEDE RADICAR UNA QUERELLA SI ENTIENDE QUE ALGUN MIEMBRO DE LA ASOCIACION DE REALTOR HA INCUMPLIDO CON EL CODIGO DE ETICA DENTRO DE LOS 180 DIAS DESDE COMETIDO LA ALEGADA VIOLACION AL BOARD DONDE ES MIEMBRO ESTE REALTOR.
ESTA QUERRELLA SERA EVALUADA POR EL GRIEVANCE COMMITTE Y SOMETERA ADELANTE AL PROFECIONAL STANDAR COMMITTE DE ENCONTRASE CAUSA PROBABLE. LA PREPONDERANCIA DE LA EVIDENCIA JUEGA UN PAPEL FUNDAMENTAL EN EL RESULTADO FINAL DE CUALQUIER QUERELLA RADICADA.
FINALMENTE PODEMOS CONCLUIR QUE POR LAS RAZONES ANTERIORMENTE EXPUESTAS LA UTILIZACION DE LOS SERVICIOS DE UN PROFECIONAL DE BIENES RAICES MIEMBRO DE LA ASOCIACION DE REALTOR ES UNA VENTAJA SIGNIFICATIVA PARA LOS CONSUMIDORES.
MARRERO REAL ESTATE BROKERAGE LLC PERTENECE A LA ASOCIACION DE REALTOR DEL OSCEOLA COUNTY.
ESTAMOS PARA SERVIRLE EN EXCELENCIA SIEMPRE.
JOSE RAUL MARRERO
787-486-7906/407-436-5140
FAX 407 344-9541
WWW.JOSERAULMARRERO.COM
IMAIL = RAULMARREROJR@YAHOO.COM
TODOS SOMOS GUERREROS DE LUZ!
Thursday, September 07, 2006
PRACTICAS DE LEY NO AUTORIZADAS POR UN BROKER REAL ESTATE (CORREDOR DE BIENES RAICES)
MARRERO REAL ESTATE BROKER LIC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
DURANTE EL DIA DE HOY DISCUTIREMOS BREVEMENTE UN ASUNTO DE RELEVANCIA PARA AQUELLAS PERSONAS QUE DESEAN CONTRATAR A UN PROFECIONAL DE LA INDUSTRIA DE LAS BIENES RAICES EN EL ESTADO DE LA FLORIDA.
AUNQUE NO EXISTE UN CRITERIO DEFINIDO Y CLARO PARA DETERMINAR QUE ES O NO ES UNA PRACTICA DE LEY SIN AUTHORIZACION, EN GENERAL LAS CORTES DEL ESTADO ANALIZAN EL INTERES PUBLICO PARA DETERMINAR ESTE ASUNTO.
ES IMPORTANTE SENALAR QUE NO IMPORTA LOS ANOS DE EXPERIENCIA QUE PUEDA TENER UN (VENDEDOR)SALES ASSOC REAL ESTATE O UN BROKER REAL ESTATE (CORREDOR) ES ILEGAL FUNGIR O DAR CONSEJO EN ASUNTOS QUE ENVUELVAN CONCEPTOS LEGALES.
ES NUESTRO DEBER ESPECIFICAR QUE NO SOMOS ABOGADOS Y QUE LA MEJOR MANERA DE AYUDAR AL PUBLICO EN GENERAL CON ESTOS ASUNTOS ES REFERIR A CONSEJO DE UN ABOGADO ESPECIALIZADO EN BIENES RAICES EN EL ESTADO DE LA FLORIDA.
LAS CORTES AUTORIZAN A LOS VENDEDORES Y/O CORREDORES LIC SOLO A UTILIZAR DOCUMENTOS PREIMPRESOS QUE HAN SIDO REVISADOS Y/O PREAPROVADOS Y ADEMAS DE QUE SON UTILIZADOS EN EL CURZO NORMAL DE LAS TRANSACCIONES DE BIENES RAICES EN EL ESTADO DE LA FLORIDA COMO LOS QUE UTILIZAN LOS CORREDORES MIEMBROS DE LA ASSOCIACION DE REALTOR.
NINGUN CORREDOR DE BIENES RAICES PUEDE PREPARAR DOCUMENTOS LEGALES DIFERENTES A LOS MENCIONADOS ANTERIORMENTE, NI ANADIR O QUITAR PARRAFOS DE CLASE ALGUNA. SOLO PUDIERA SOMETER ADEMDUM EN DOCUMENTO APARTE QUE NO IMPLIQUE SITUACION LEGAL.
ADEMAS NO DEBE REPRESENTAR A NINGUN CLIENTE EN CORTE, PREPARAR CASOS LEGALES O DAR CONSEJOS LEGALES QUE ENVUELVEN BIENES RAICES.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ORIENTARLE DEBIDAMENTE EN ESTE Y OTROS ASUNTOS IMPORTANTES A LA HORA DE USTED VENDER O COMPRAR ALGUNA PROPIEDAD EN EL ESTADO DE LA FLORIDA.
MUCHAS GRACIAS POR VISITAR NUESTRO BLOG WWW.JOSERAULMARRERO.COM
407-436-5140
787-486-7906
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
DURANTE EL DIA DE HOY DISCUTIREMOS BREVEMENTE UN ASUNTO DE RELEVANCIA PARA AQUELLAS PERSONAS QUE DESEAN CONTRATAR A UN PROFECIONAL DE LA INDUSTRIA DE LAS BIENES RAICES EN EL ESTADO DE LA FLORIDA.
AUNQUE NO EXISTE UN CRITERIO DEFINIDO Y CLARO PARA DETERMINAR QUE ES O NO ES UNA PRACTICA DE LEY SIN AUTHORIZACION, EN GENERAL LAS CORTES DEL ESTADO ANALIZAN EL INTERES PUBLICO PARA DETERMINAR ESTE ASUNTO.
ES IMPORTANTE SENALAR QUE NO IMPORTA LOS ANOS DE EXPERIENCIA QUE PUEDA TENER UN (VENDEDOR)SALES ASSOC REAL ESTATE O UN BROKER REAL ESTATE (CORREDOR) ES ILEGAL FUNGIR O DAR CONSEJO EN ASUNTOS QUE ENVUELVAN CONCEPTOS LEGALES.
ES NUESTRO DEBER ESPECIFICAR QUE NO SOMOS ABOGADOS Y QUE LA MEJOR MANERA DE AYUDAR AL PUBLICO EN GENERAL CON ESTOS ASUNTOS ES REFERIR A CONSEJO DE UN ABOGADO ESPECIALIZADO EN BIENES RAICES EN EL ESTADO DE LA FLORIDA.
LAS CORTES AUTORIZAN A LOS VENDEDORES Y/O CORREDORES LIC SOLO A UTILIZAR DOCUMENTOS PREIMPRESOS QUE HAN SIDO REVISADOS Y/O PREAPROVADOS Y ADEMAS DE QUE SON UTILIZADOS EN EL CURZO NORMAL DE LAS TRANSACCIONES DE BIENES RAICES EN EL ESTADO DE LA FLORIDA COMO LOS QUE UTILIZAN LOS CORREDORES MIEMBROS DE LA ASSOCIACION DE REALTOR.
NINGUN CORREDOR DE BIENES RAICES PUEDE PREPARAR DOCUMENTOS LEGALES DIFERENTES A LOS MENCIONADOS ANTERIORMENTE, NI ANADIR O QUITAR PARRAFOS DE CLASE ALGUNA. SOLO PUDIERA SOMETER ADEMDUM EN DOCUMENTO APARTE QUE NO IMPLIQUE SITUACION LEGAL.
ADEMAS NO DEBE REPRESENTAR A NINGUN CLIENTE EN CORTE, PREPARAR CASOS LEGALES O DAR CONSEJOS LEGALES QUE ENVUELVEN BIENES RAICES.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ORIENTARLE DEBIDAMENTE EN ESTE Y OTROS ASUNTOS IMPORTANTES A LA HORA DE USTED VENDER O COMPRAR ALGUNA PROPIEDAD EN EL ESTADO DE LA FLORIDA.
MUCHAS GRACIAS POR VISITAR NUESTRO BLOG WWW.JOSERAULMARRERO.COM
407-436-5140
787-486-7906
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ!
Tuesday, September 05, 2006
EL ESTADO DE FLORIDA SE ENCUENTRA EN EL SEGUNDO LUGAR EN ESTADOS UNIDOS EN CUANTO A CRECIMIENTO DE VALOR DE LAS PROPIEDADES
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
ESPERANDO HAYAS TENIDO UN GRANDIOSO FIN DE SEMANA LARGO
SALUDOS Y OTRO MARAVILLOSO DIA PARA TODOS
HOY LES PRESENTARE EN UNA TABLA DE RELACION DE AUMENTO DE VALOR DE LAS PROPIEDADES EN LOS ESTADOS UNIDOS. PARA EFECTOS DE ESTE ESTUDIO EL PERIODO CONCLUYE EL 31 DE MARZO DEL 2006.
LOS PRIMEROS 5 ESTADOS EN PORCIENTO DE CRECIMIENTO (%) SON LOS SIGUIENTES.
STATE / RANKING /(1 YR) / 5 YR)/DESDE 1980
ARIZONA / 1 / 32.81% / 93.48% / 309.80%
FLORIDA / 2 / 26.82 / 111.53 / 363.74
HAWAII / 3 / 24.99 / 113.36 / 424.66
OREGON / 4 / 20.96 / 58.62 / 315.93
D COLUM / 5 / 20.84 / 124.01 / 518.60
COMO PUEDEN OBSERVAR EL ESTADO DE LA FLORIDA SE ENCUENTRA EN PRIVILEGIADO LUGAR. DURANTE EL PASADO ANO FUE EL SEGUNDO ESTADO DE MAYOR CRECIMIENTO EN VALOR DE LAS PROPIEDADES.
TAMBIEN SE DESPRENDE DE ESTA INFORMACION QUE EL ESTADO DE LA FLORIDA REFLEJO UN CRECIMIENTO SIGNIFICATIVO DURANTE LOS ULTIMOS 15 ANOS.
EL ESTADO DE LA FLORIDA REFLEJO UN COMPORTAMIENTO MAS DRAMATICO QUE ESTADOS COMO CALIFORNIA (8VO LUGAR), NEW YORK (21) Y PENNSYLVANIA (20).
EL PROMEDIO DE CRECIMIENTO DE VALOR DE PROPIEDADES EN LOS ESTADOS UNIDOS DURANTE EL PASADO ANO FUE DE 12.54, CON 57.28 EN LOS PASADOS CINCO ANOS Y DE 293.78 EN LOS PASADOS 15 ANOS.
CON ESTOS NUMEROS PODRIAMOS LLEGAR A LA CONCLUSION QUE FUE UNA BUENA DECISIÓN PARA AQUELLOS QUE INVIRTIERON DINERO EN BIENES RAICES EN LOS ESTADOS MENCIONADOS (LOS CINCO PRIMEROS) DURANTE LOS PASADOS 15 ANOS.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ORIENTARLE COMO INVERTIR EN BIENES RAICES EN EL ESTADO DE LA FLORIDA.
GRACIAS POR VISITAR NUESTRO BLOGS WWW.JOSERAULMARRRO.COM
JOSE RAUL MARRERO 407-436-5140/787-486-7906
TODOS SOMOS GUEREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
ESPERANDO HAYAS TENIDO UN GRANDIOSO FIN DE SEMANA LARGO
SALUDOS Y OTRO MARAVILLOSO DIA PARA TODOS
HOY LES PRESENTARE EN UNA TABLA DE RELACION DE AUMENTO DE VALOR DE LAS PROPIEDADES EN LOS ESTADOS UNIDOS. PARA EFECTOS DE ESTE ESTUDIO EL PERIODO CONCLUYE EL 31 DE MARZO DEL 2006.
LOS PRIMEROS 5 ESTADOS EN PORCIENTO DE CRECIMIENTO (%) SON LOS SIGUIENTES.
STATE / RANKING /(1 YR) / 5 YR)/DESDE 1980
ARIZONA / 1 / 32.81% / 93.48% / 309.80%
FLORIDA / 2 / 26.82 / 111.53 / 363.74
HAWAII / 3 / 24.99 / 113.36 / 424.66
OREGON / 4 / 20.96 / 58.62 / 315.93
D COLUM / 5 / 20.84 / 124.01 / 518.60
COMO PUEDEN OBSERVAR EL ESTADO DE LA FLORIDA SE ENCUENTRA EN PRIVILEGIADO LUGAR. DURANTE EL PASADO ANO FUE EL SEGUNDO ESTADO DE MAYOR CRECIMIENTO EN VALOR DE LAS PROPIEDADES.
TAMBIEN SE DESPRENDE DE ESTA INFORMACION QUE EL ESTADO DE LA FLORIDA REFLEJO UN CRECIMIENTO SIGNIFICATIVO DURANTE LOS ULTIMOS 15 ANOS.
EL ESTADO DE LA FLORIDA REFLEJO UN COMPORTAMIENTO MAS DRAMATICO QUE ESTADOS COMO CALIFORNIA (8VO LUGAR), NEW YORK (21) Y PENNSYLVANIA (20).
EL PROMEDIO DE CRECIMIENTO DE VALOR DE PROPIEDADES EN LOS ESTADOS UNIDOS DURANTE EL PASADO ANO FUE DE 12.54, CON 57.28 EN LOS PASADOS CINCO ANOS Y DE 293.78 EN LOS PASADOS 15 ANOS.
CON ESTOS NUMEROS PODRIAMOS LLEGAR A LA CONCLUSION QUE FUE UNA BUENA DECISIÓN PARA AQUELLOS QUE INVIRTIERON DINERO EN BIENES RAICES EN LOS ESTADOS MENCIONADOS (LOS CINCO PRIMEROS) DURANTE LOS PASADOS 15 ANOS.
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ORIENTARLE COMO INVERTIR EN BIENES RAICES EN EL ESTADO DE LA FLORIDA.
GRACIAS POR VISITAR NUESTRO BLOGS WWW.JOSERAULMARRRO.COM
JOSE RAUL MARRERO 407-436-5140/787-486-7906
TODOS SOMOS GUEREROS DE LUZ!
