Monday, November 27, 2006
CONTINUAN EN BAJA LOS INTERESES HIPOTECARIOS
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
30-year mortgage rates drop to 10-month low
Steady as she goes:
Mortgage experts polled by Bankrate.com last week are evenly divided on the future direction of mortgage rates. While 50 percent predict no change over the next 30 to 45 days, 20 percent say rates will go “down” while the remaining 30 percent predict an increase.
WASHINGTON – Nov. 27, 2006 -- Mortgage rates around the country fell last week, with rates on 30-year mortgages sinking to their lowest level in 10 months.
Freddie Mac, the mortgage company, reported Wednesday that 30-year, fixed-rate mortgages averaged 6.18 percent last week.
That’s down from 6.24 percent two weeks ago and was the lowest rate since the week ending Jan. 26, when 30-year mortgage rates averaged 6.12 percent.
It marked the second week in a row that mortgage rates dropped, a development that economists attributed to easing inflation pressures. Inflation is calming down amid stabilizing energy prices, slower overall economic activity and the housing slump.
“Slower growth usually means less inflation, and less inflation means lower interest rates. Hence, the drop in mortgage rates (last) week,” said Frank Nothaft, Freddie Mac’s chief economist.
After five years of booming activity, the housing market has lost its sizzle this year. Sales have fallen, builders have cut back on construction and home prices have lost considerable altitude, falling in some markets or rising more slowly in others. The housing slump was the major culprit behind the slower economic growth rate that was logged in the late summer. All categories of mortgage rates surveyed by Freddie Mac showed declines last week – offering some welcome news to those wanting to buy a home.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 5.91 percent. That’s lower than the rate of 5.94 percent two weeks ago.
For one-year adjustable rate mortgages, rates fell to 5.49 percent, compared with 5.53 percent two weeks ago.
Five-year adjustable rate mortgages dropped to 5.99 percent last week, from 6.04 percent two weeks ago. The mortgage rates do not include add-on fees known as points. Thirty-year and 15-year mortgages each carried a nationwide average fee of 0.5 point. One-year and five-year ARMs each carried a fee of 0.6 point.
A year ago, 30-year mortgages averaged 6.28 percent. Fifteen-year mortgages stood at 5.81 percent, one-year ARMs were at 5.14 percent and five-year ARMs averaged 5.75 percent.
gracias por visitar nuestro web
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
ESTA NAVIDAD REGALE ALEGRIA
www.cantoresdebayamon.com
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
30-year mortgage rates drop to 10-month low
Steady as she goes:
Mortgage experts polled by Bankrate.com last week are evenly divided on the future direction of mortgage rates. While 50 percent predict no change over the next 30 to 45 days, 20 percent say rates will go “down” while the remaining 30 percent predict an increase.
WASHINGTON – Nov. 27, 2006 -- Mortgage rates around the country fell last week, with rates on 30-year mortgages sinking to their lowest level in 10 months.
Freddie Mac, the mortgage company, reported Wednesday that 30-year, fixed-rate mortgages averaged 6.18 percent last week.
That’s down from 6.24 percent two weeks ago and was the lowest rate since the week ending Jan. 26, when 30-year mortgage rates averaged 6.12 percent.
It marked the second week in a row that mortgage rates dropped, a development that economists attributed to easing inflation pressures. Inflation is calming down amid stabilizing energy prices, slower overall economic activity and the housing slump.
“Slower growth usually means less inflation, and less inflation means lower interest rates. Hence, the drop in mortgage rates (last) week,” said Frank Nothaft, Freddie Mac’s chief economist.
After five years of booming activity, the housing market has lost its sizzle this year. Sales have fallen, builders have cut back on construction and home prices have lost considerable altitude, falling in some markets or rising more slowly in others. The housing slump was the major culprit behind the slower economic growth rate that was logged in the late summer. All categories of mortgage rates surveyed by Freddie Mac showed declines last week – offering some welcome news to those wanting to buy a home.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 5.91 percent. That’s lower than the rate of 5.94 percent two weeks ago.
For one-year adjustable rate mortgages, rates fell to 5.49 percent, compared with 5.53 percent two weeks ago.
Five-year adjustable rate mortgages dropped to 5.99 percent last week, from 6.04 percent two weeks ago. The mortgage rates do not include add-on fees known as points. Thirty-year and 15-year mortgages each carried a nationwide average fee of 0.5 point. One-year and five-year ARMs each carried a fee of 0.6 point.
A year ago, 30-year mortgages averaged 6.28 percent. Fifteen-year mortgages stood at 5.81 percent, one-year ARMs were at 5.14 percent and five-year ARMs averaged 5.75 percent.
gracias por visitar nuestro web
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
ESTA NAVIDAD REGALE ALEGRIA
www.cantoresdebayamon.com
Tuesday, November 21, 2006
BAJAN LOS INTERESES HIPOTECARIOS AL MAS BAJO NIVEL EN 8 MESES (6.24%)
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
REAL ESTATE BROKERAGE LLC
Mortgage rates drop to lowest level in 8 months
Mortgage Rate Trend Index
This week, mortgage industry experts polled by Bankrate.com say, “Don’t rush to lock – rates probably aren’t straying too far.” Fifty percent of the panelists predict mortgage rates will stay relatively the same over the next 30 to 45 days; 30 percent believe rates will rise and 20 percent think that rates will fall.
WASHINGTON (AP) – Nov. 17, 2006 – Rates on 30-year mortgages fell sharply this week to the lowest level in eight months, reflecting easing inflation concerns.
Mortgage-giant Freddie Mac reported Thursday that 30-year, fixed-rate mortgages dipped to 6.24 percent, down from 6.33 percent last week. The decline pushed rates to the lowest level since March 2 when they also stood at 6.24 percent.
Analysts attributed this week’s drop to further good news on inflation as both consumer and wholesale prices registered big drops.
“Both long and short-term mortgage rates fell this week on early signs the threat of inflation may be waning,” said Frank Nothaft, chief economist at Freddie Mac.
He said that the falling mortgage rates should help cushion the downturn in housing. Sales have fallen sharply this year after setting records for five consecutive years.
“We’ve probably seen the worst of the housing slump although it may not have entirely bottomed out yet,” Nothaft said.
The big slump in housing trimmed economic growth by more than 1 percentage point in the third quarter.
All categories of mortgage rates surveyed by Freddie Mac showed declines this week.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 5.94 percent, down from 6.04 percent last week.
Rates on one-year adjustable rate mortgages dipped to 5.53 percent, down from 5.55 percent last week.
Five-year adjustable rate mortgages dropped to 6.04 percent from 6.08 percent last week.
The mortgage rates do not include add-on fees known as points. All four categories of mortgages carried a nationwide average fee of 0.5 point.
A year ago, 30-year mortgages averaged 6.33 percent while 15-year mortgages stood at 5.90 percent, one-year ARMs were at 5.20 percent and five-year ARMs were at 5.86 percent.
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ!
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ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
MARRERO REAL ESTATE BROKERAGE LLC
REAL ESTATE BROKERAGE LLC
Mortgage rates drop to lowest level in 8 months
Mortgage Rate Trend Index
This week, mortgage industry experts polled by Bankrate.com say, “Don’t rush to lock – rates probably aren’t straying too far.” Fifty percent of the panelists predict mortgage rates will stay relatively the same over the next 30 to 45 days; 30 percent believe rates will rise and 20 percent think that rates will fall.
WASHINGTON (AP) – Nov. 17, 2006 – Rates on 30-year mortgages fell sharply this week to the lowest level in eight months, reflecting easing inflation concerns.
Mortgage-giant Freddie Mac reported Thursday that 30-year, fixed-rate mortgages dipped to 6.24 percent, down from 6.33 percent last week. The decline pushed rates to the lowest level since March 2 when they also stood at 6.24 percent.
Analysts attributed this week’s drop to further good news on inflation as both consumer and wholesale prices registered big drops.
“Both long and short-term mortgage rates fell this week on early signs the threat of inflation may be waning,” said Frank Nothaft, chief economist at Freddie Mac.
He said that the falling mortgage rates should help cushion the downturn in housing. Sales have fallen sharply this year after setting records for five consecutive years.
“We’ve probably seen the worst of the housing slump although it may not have entirely bottomed out yet,” Nothaft said.
The big slump in housing trimmed economic growth by more than 1 percentage point in the third quarter.
All categories of mortgage rates surveyed by Freddie Mac showed declines this week.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 5.94 percent, down from 6.04 percent last week.
Rates on one-year adjustable rate mortgages dipped to 5.53 percent, down from 5.55 percent last week.
Five-year adjustable rate mortgages dropped to 6.04 percent from 6.08 percent last week.
The mortgage rates do not include add-on fees known as points. All four categories of mortgages carried a nationwide average fee of 0.5 point.
A year ago, 30-year mortgages averaged 6.33 percent while 15-year mortgages stood at 5.90 percent, one-year ARMs were at 5.20 percent and five-year ARMs were at 5.86 percent.
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ!
post data
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
Wednesday, November 15, 2006
ENCUESTA A DUENOS DE RESIDENCIAS SOBRE EL VALOR DE SUS PROPIEDADES EN EL FUTURO.
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
EN UNA ENCUESTA REALIZADA ENTRE 2,000 DUENOS DE RESIDENCIAS EN EL PERIODO COMPRENDIDO ENTRE EL 26 AL 29 DE OCTRUBRE REVELO LOS SIGUIENTES DATOS.
EL ESTUDIO REVELO QUE EL 81 PORCIENTO DE LOS DUENOS DE RESIDENCIAS ESTAN CONVENCIDOS DE QUE SUS PROPIEADES AUMENTARAN DE VALOR POR LOS PROXIMOS 5 ANOS. SOLO UN 13 PORCIENTO PIENSA QUE SUSU PROPIEDADES BAJARAN DE VALOR DURANTE EL MISMO PERIODO. EL 4 % NO ESPERA CAMBIOS EN VALOR Y UN RESTANTE 3% NO ESTA SEGURO.
EL 69% DE LOS ENTREVISTADOS PIENSAN QUE SU RESIDENCIA PRINCIPAL ES SU MAS VALIOSA INVERSION. POR EL CONTRARIO SOLO UN 11% DE LOS ENCUESTADOS PIENSA QUE SU PLAN DE RETIRO 401K O CUALQUIER OTRO INSTRUMENTO DE INVERSION ES LO MAS PRECIADO DE SU CARTERA DE INVERSIONES.
ESTOS RESULTADOS REFLEJAN QUE UNA GRAN MAYORIA DE LAS PERSONAS TODAVIA PIENSAN QUE INVERTIR EN UNA PROPIEDAD ES UNA EXCELENTE INVERSION PARA SU FUTURO. PUDIERA REFLEJAR QUE ESTA INDUSTRIA TENDRA Y GOZARA DE UN CRECIMIENTO SIGNIFICATIVO EN LOS ANOS VENIDEROS.
EN MARRERO REAL ESTATE ESTAMOS PARA SERVIRLE.
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
post data
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
© 2006 FLORIDA ASSOCIATION OF REALTORS®
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
EN UNA ENCUESTA REALIZADA ENTRE 2,000 DUENOS DE RESIDENCIAS EN EL PERIODO COMPRENDIDO ENTRE EL 26 AL 29 DE OCTRUBRE REVELO LOS SIGUIENTES DATOS.
EL ESTUDIO REVELO QUE EL 81 PORCIENTO DE LOS DUENOS DE RESIDENCIAS ESTAN CONVENCIDOS DE QUE SUS PROPIEADES AUMENTARAN DE VALOR POR LOS PROXIMOS 5 ANOS. SOLO UN 13 PORCIENTO PIENSA QUE SUSU PROPIEDADES BAJARAN DE VALOR DURANTE EL MISMO PERIODO. EL 4 % NO ESPERA CAMBIOS EN VALOR Y UN RESTANTE 3% NO ESTA SEGURO.
EL 69% DE LOS ENTREVISTADOS PIENSAN QUE SU RESIDENCIA PRINCIPAL ES SU MAS VALIOSA INVERSION. POR EL CONTRARIO SOLO UN 11% DE LOS ENCUESTADOS PIENSA QUE SU PLAN DE RETIRO 401K O CUALQUIER OTRO INSTRUMENTO DE INVERSION ES LO MAS PRECIADO DE SU CARTERA DE INVERSIONES.
ESTOS RESULTADOS REFLEJAN QUE UNA GRAN MAYORIA DE LAS PERSONAS TODAVIA PIENSAN QUE INVERTIR EN UNA PROPIEDAD ES UNA EXCELENTE INVERSION PARA SU FUTURO. PUDIERA REFLEJAR QUE ESTA INDUSTRIA TENDRA Y GOZARA DE UN CRECIMIENTO SIGNIFICATIVO EN LOS ANOS VENIDEROS.
EN MARRERO REAL ESTATE ESTAMOS PARA SERVIRLE.
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
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ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
© 2006 FLORIDA ASSOCIATION OF REALTORS®
Saturday, November 11, 2006
INVERSIONISTAS MIRAN HACIA PROPIEDADES COMERCIALES
MARRERO REL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
SE PREDICE QUE HABRA UNA BUENA DEMANDA DE PROPIEDADES COMERCIALES YA QUE LOS INVERSIONISTAS EN BIENES RAICES COMENZARAN A MIRAR ESTE TIPO DE ALTERNATIVA DEBIDO AL CAMBIO DE MERCADO A FAVOR DE LOS COMPRADORES EN EL MERCADO RESIDENCIAL.
A CONTINUACION EL DETALLE DE LA NOTICIA
Growth predicted for commercial real estate as residential brethren suffer slowdown
NEW YORK (AP) – Nov. 10, 2006 – Judging by recent profit figures, many of the biggest commercial real estate companies have been unscathed by the housing market slowdown.
A strong job market and increase in corporate outsourcing have bolstered real estate services revenues, enough to offset a slower pace of growth in investment sales that has set in since the booming recent years when offshore investors, real estate investment trusts and pension investors flooded the market.
JMP Securities Analyst William Marks said that while all sectors of commercial real estate are performing well, leasing activity and property management in particular are surging ahead. But investment sales are indeed slowing.
"Only so much real estate can change hands," he said, noting that the volume of transactions had been so high in past years that the rate would be difficult to maintain.
The market for leasing office space has been helped by the strength of the job market. In October, the jobless rate fell to the lowest level in five years, and a low unemployment rate boosts demand for office space.
Grubb & Ellis issued a report in late September that said any effect from the housing slowdown on the market for office space would be modest and more muted than the pullback the sector after the technology boom.
And as the industry sustains its strength, the market leader in real estate services, CB Richard Ellis Group Inc., said Oct. 31 it would buy rival Trammel Crow Co. in a deal that would increase its dominance. The acquisition, if completed as planned, would give CB Richard Ellis 10.5 percent of the market, a rise from its current share of 7.9 percent, according to a research note by JPMorgan Analyst Michael J. Fox.
Analysts have cited Trammel Crow's strength in providing outsourcing services - such as property or project management and lease administration - as making the deal a good combination. It would also help diversify CB Richard Ellis's revenue away from its reliance on leasing and sales revenue, which in the third quarter produced a combined 74 percent of the company's revenue.
"As a publicly traded company, it can help smooth out the bumps in revenue," said Chief Executive Bill Goade of Cresa Partners, a Boston-based corporate real estate advisory firm.
CB Richard Ellis CEO Brett White said revenue from outsourcing would rise to 18 percent from 8 percent under the deal. "This is the part of that strategy we've talked with many of you about in the past of continuing to diversify the revenue base of the company going forward," White said in a conference call announcing the transaction. "And this transaction will very much help that."
In the third quarter, CB Richard Ellis posted 62 percent higher profit, and Trammell Crow said income rose 14 percent, due mostly to gains from property management.
Fox wrote that there is substantial opportunity for growth in outsourcing services. "Higher institutional investor ownership of real estate should continue to drive demand for services and enable investment sales to maintain solid growth," Fox wrote.
He warned that interest rates could hurt the industry, though.
"If rising rates cause the economy to slow more than we anticipate or fall into a recession, employment trends will likely soften and leasing commissions could be below our expectations," he wrote.
Meanwhile, in the residential sector, Bloomfield Hills, Mich.-based Pulte Homes Inc., Miami-based Lennar Corp. and Dallas-based Centex Corp. all reported lower profit in the third quarter. D.R. Horton Inc. reported a 61 percent rise in profit in the third quarter.
JOSE RAUL MARRERO
787-486-7906
TODOS SOMOS GUERRERO DE LUZ!
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
SE PREDICE QUE HABRA UNA BUENA DEMANDA DE PROPIEDADES COMERCIALES YA QUE LOS INVERSIONISTAS EN BIENES RAICES COMENZARAN A MIRAR ESTE TIPO DE ALTERNATIVA DEBIDO AL CAMBIO DE MERCADO A FAVOR DE LOS COMPRADORES EN EL MERCADO RESIDENCIAL.
A CONTINUACION EL DETALLE DE LA NOTICIA
Growth predicted for commercial real estate as residential brethren suffer slowdown
NEW YORK (AP) – Nov. 10, 2006 – Judging by recent profit figures, many of the biggest commercial real estate companies have been unscathed by the housing market slowdown.
A strong job market and increase in corporate outsourcing have bolstered real estate services revenues, enough to offset a slower pace of growth in investment sales that has set in since the booming recent years when offshore investors, real estate investment trusts and pension investors flooded the market.
JMP Securities Analyst William Marks said that while all sectors of commercial real estate are performing well, leasing activity and property management in particular are surging ahead. But investment sales are indeed slowing.
"Only so much real estate can change hands," he said, noting that the volume of transactions had been so high in past years that the rate would be difficult to maintain.
The market for leasing office space has been helped by the strength of the job market. In October, the jobless rate fell to the lowest level in five years, and a low unemployment rate boosts demand for office space.
Grubb & Ellis issued a report in late September that said any effect from the housing slowdown on the market for office space would be modest and more muted than the pullback the sector after the technology boom.
And as the industry sustains its strength, the market leader in real estate services, CB Richard Ellis Group Inc., said Oct. 31 it would buy rival Trammel Crow Co. in a deal that would increase its dominance. The acquisition, if completed as planned, would give CB Richard Ellis 10.5 percent of the market, a rise from its current share of 7.9 percent, according to a research note by JPMorgan Analyst Michael J. Fox.
Analysts have cited Trammel Crow's strength in providing outsourcing services - such as property or project management and lease administration - as making the deal a good combination. It would also help diversify CB Richard Ellis's revenue away from its reliance on leasing and sales revenue, which in the third quarter produced a combined 74 percent of the company's revenue.
"As a publicly traded company, it can help smooth out the bumps in revenue," said Chief Executive Bill Goade of Cresa Partners, a Boston-based corporate real estate advisory firm.
CB Richard Ellis CEO Brett White said revenue from outsourcing would rise to 18 percent from 8 percent under the deal. "This is the part of that strategy we've talked with many of you about in the past of continuing to diversify the revenue base of the company going forward," White said in a conference call announcing the transaction. "And this transaction will very much help that."
In the third quarter, CB Richard Ellis posted 62 percent higher profit, and Trammell Crow said income rose 14 percent, due mostly to gains from property management.
Fox wrote that there is substantial opportunity for growth in outsourcing services. "Higher institutional investor ownership of real estate should continue to drive demand for services and enable investment sales to maintain solid growth," Fox wrote.
He warned that interest rates could hurt the industry, though.
"If rising rates cause the economy to slow more than we anticipate or fall into a recession, employment trends will likely soften and leasing commissions could be below our expectations," he wrote.
Meanwhile, in the residential sector, Bloomfield Hills, Mich.-based Pulte Homes Inc., Miami-based Lennar Corp. and Dallas-based Centex Corp. all reported lower profit in the third quarter. D.R. Horton Inc. reported a 61 percent rise in profit in the third quarter.
JOSE RAUL MARRERO
787-486-7906
TODOS SOMOS GUERRERO DE LUZ!
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
Friday, November 10, 2006
EL ESTADO DE LA FLORIDA LIDERA LA NACION EN RESIDENCIAS EN VIAS DE SER REPOSEIDAS POR EL BANCO (FLORECLOSURE)
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA A TODOS
EL ESTADO DE A FLORIDA ESTA A LA CABEZA DE LOS ESTADOS UNIDOS EN REPOSESIONES DE PROPIEDADES POR EL BANCO POR INCUMPLIMIENTO DE LOS PAGOS HIPOTECARIOS.
ESTO PRESENTA OTRA MARAVILLOSA OPORTUNIDAD PARA ADQUIRIR PROPIEDADES A ATRACTIVOS PRECIOS. LA GRAN MAYORIA DE ESTAS SITUACIONES SE PRESENTAN CON SEGUNDAS RESIDENCIAS COMPRADAS COMO INVERSION QUE SE FINANCIARON CON PRESTAMOS DE INTERES AJUSTABLE QUE AL CABO DE LOS DOS ANOS COMIENZAN A TENER ELEVADAS TAZAS DE INTERES. ESTOS PROPIETARIOS SE VERAN OBLIGDOS A AJUSTAR SU MARGEN DE GANANCIA DE LA REVENTA INMEDIATAMENTE.
A CONTINUACION ALGUNOS DE TALLES ADICIONALES
PALM BEACH COUNTY, Fla. – Nov. 9, 2006 -- Florida led the nation in foreclosure activity for the third quarter of this year as adjustable-rate mortgages came home to roost,.
In Palm Beach County, one in every 153 households was in foreclosure in the third quarter -- more than twice the national rate and up 26 percent over the third quarter of 2005. Compared with the previous quarter, foreclosures rose 38 percent.
In St. Lucie County foreclosures jumped 68 percent over the same quarter a year ago, and 65 percent over the second quarter of this year. In Martin County, foreclosures rose 31 percent in the third quarter compared with third quarter 2005, and declined 8 percent from the previous quarter, according to Irvine, Calif.
First-time homeowners in Palm Beach County and the Treasure Coast are among the first casualties. Many are struggling with surging property taxes, soaring insurance rates and escalating monthly payments on adjustable-rate mortgages.
"Forty-three percent of mortgages taken out by first-time home buyers nationwide were these exotic-style loans," said Jack McCabe of McCabe Research & Consulting in Deerfield Beach. "That's why many first-time homeowners are in jeopardy of foreclosure that could make their homeownership a very temporary situation."
From 2000 to 2005, the bookends of the boom, the median price of an existing home in Palm Beach County and the Treasure Coast shot up close to 200 percent, according to the Florida Association of Realtors. At the same time, median-income households could only afford to pay $200,000 less than the median home price, according to a study by the Housing Leadership Council.
The result was that a number of first-time homebuyers resorted to interest-only loans, no-down-payment loans, adjustable-rate mortgages and option ARMs to stretch their buying power.
Now those ARMs are beginning to reset, which means higher monthly payments. "As ARMs adjust higher, and as tax and insurance bills surge, more homeowners can't afford to live in their houses," said Mike Larson, an analyst for Weiss Research's MoneyandMarkets.com of Jupiter.
However, don't be so quick to point a finger at ARMs, says Jim Sahnger of Palm Beach Financial Network in Sewall's Point. "The majority of those in trouble now aren't buyers who took out ARMS," Sahnger said, "but rather those who bought investment homes they meant to flip and have been unable to do so. They never anticipated they'd be competing with the builder who's selling homes for less than the mortgage they have on their house."
Nationwide, homeowners experienced a foreclosure rate of one in every 363 homes entering some stage of foreclosure from July through September.
That's up 43 percent from the third quarter of 2005, and up 17 percent from the second quarter of this year, when one in every 425 homes was in foreclosure.
Florida's rate of foreclosure in the third quarter -- one in every 182 homes -- was third highest in the nation, up from ninth a quarter earlier.
In build-happy St. Lucie County, foreclosures in the third quarter of this year soared 68 percent compared with the third quarter of last year -- 2.5 times the rate in Palm Beach County, records show. One in every 222 homes entered foreclosure, compared with one in every 245 in the third quarter of 2005, and one in every 249 in the last quarter of this year.
In Martin County -- immediately to the north of Palm Beach County, and another part of the Treasure Coast- one in every 431 homes entered foreclosure in the third quarter, a 31 percent increase over third quarter 2005's 116 foreclosures,
Martin County can claim that rarest of foreclosure statistics in these days of deflating housing markets: an 8 percent decline in the total number of foreclosures in the third quarter compared with the second quarter of 2006, when 165 homes entered foreclosure,
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA A TODOS
EL ESTADO DE A FLORIDA ESTA A LA CABEZA DE LOS ESTADOS UNIDOS EN REPOSESIONES DE PROPIEDADES POR EL BANCO POR INCUMPLIMIENTO DE LOS PAGOS HIPOTECARIOS.
ESTO PRESENTA OTRA MARAVILLOSA OPORTUNIDAD PARA ADQUIRIR PROPIEDADES A ATRACTIVOS PRECIOS. LA GRAN MAYORIA DE ESTAS SITUACIONES SE PRESENTAN CON SEGUNDAS RESIDENCIAS COMPRADAS COMO INVERSION QUE SE FINANCIARON CON PRESTAMOS DE INTERES AJUSTABLE QUE AL CABO DE LOS DOS ANOS COMIENZAN A TENER ELEVADAS TAZAS DE INTERES. ESTOS PROPIETARIOS SE VERAN OBLIGDOS A AJUSTAR SU MARGEN DE GANANCIA DE LA REVENTA INMEDIATAMENTE.
A CONTINUACION ALGUNOS DE TALLES ADICIONALES
PALM BEACH COUNTY, Fla. – Nov. 9, 2006 -- Florida led the nation in foreclosure activity for the third quarter of this year as adjustable-rate mortgages came home to roost,.
In Palm Beach County, one in every 153 households was in foreclosure in the third quarter -- more than twice the national rate and up 26 percent over the third quarter of 2005. Compared with the previous quarter, foreclosures rose 38 percent.
In St. Lucie County foreclosures jumped 68 percent over the same quarter a year ago, and 65 percent over the second quarter of this year. In Martin County, foreclosures rose 31 percent in the third quarter compared with third quarter 2005, and declined 8 percent from the previous quarter, according to Irvine, Calif.
First-time homeowners in Palm Beach County and the Treasure Coast are among the first casualties. Many are struggling with surging property taxes, soaring insurance rates and escalating monthly payments on adjustable-rate mortgages.
"Forty-three percent of mortgages taken out by first-time home buyers nationwide were these exotic-style loans," said Jack McCabe of McCabe Research & Consulting in Deerfield Beach. "That's why many first-time homeowners are in jeopardy of foreclosure that could make their homeownership a very temporary situation."
From 2000 to 2005, the bookends of the boom, the median price of an existing home in Palm Beach County and the Treasure Coast shot up close to 200 percent, according to the Florida Association of Realtors. At the same time, median-income households could only afford to pay $200,000 less than the median home price, according to a study by the Housing Leadership Council.
The result was that a number of first-time homebuyers resorted to interest-only loans, no-down-payment loans, adjustable-rate mortgages and option ARMs to stretch their buying power.
Now those ARMs are beginning to reset, which means higher monthly payments. "As ARMs adjust higher, and as tax and insurance bills surge, more homeowners can't afford to live in their houses," said Mike Larson, an analyst for Weiss Research's MoneyandMarkets.com of Jupiter.
However, don't be so quick to point a finger at ARMs, says Jim Sahnger of Palm Beach Financial Network in Sewall's Point. "The majority of those in trouble now aren't buyers who took out ARMS," Sahnger said, "but rather those who bought investment homes they meant to flip and have been unable to do so. They never anticipated they'd be competing with the builder who's selling homes for less than the mortgage they have on their house."
Nationwide, homeowners experienced a foreclosure rate of one in every 363 homes entering some stage of foreclosure from July through September.
That's up 43 percent from the third quarter of 2005, and up 17 percent from the second quarter of this year, when one in every 425 homes was in foreclosure.
Florida's rate of foreclosure in the third quarter -- one in every 182 homes -- was third highest in the nation, up from ninth a quarter earlier.
In build-happy St. Lucie County, foreclosures in the third quarter of this year soared 68 percent compared with the third quarter of last year -- 2.5 times the rate in Palm Beach County, records show. One in every 222 homes entered foreclosure, compared with one in every 245 in the third quarter of 2005, and one in every 249 in the last quarter of this year.
In Martin County -- immediately to the north of Palm Beach County, and another part of the Treasure Coast- one in every 431 homes entered foreclosure in the third quarter, a 31 percent increase over third quarter 2005's 116 foreclosures,
Martin County can claim that rarest of foreclosure statistics in these days of deflating housing markets: an 8 percent decline in the total number of foreclosures in the third quarter compared with the second quarter of 2006, when 165 homes entered foreclosure,
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
Thursday, November 09, 2006
ANALISIS DE MERCADO DE BIENES RAICES DISCUTIDO POR ALGUNOS CONTRATISTAS DE RESIDENCIAS NUEVAS PREVEEN MEJORES PRECIOS Y VENTAJAS A LOS COMPRADORES
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
PARA TODOS AQUELLOS QUE ESTEN PENSANDO COMPRAR UNA CASA EN LOS PROXIMOS MESES O EN EL PRINCIPIO DEL NUEVO ANO 2007, TENEMOS BUENAS NOTICIAS.
SEGUN SE DESPRENDE DE LOS ANALISIS DE MERCADO QUE COMPARTIRE CON USTEDES A CONTINUACION SE DETALLA LA GRAN CANTIDAD DE INVENTARIO DE CASAS EN REVENTA, PROYECTOS DE CASAS NUEVAS QUE ESTAN VENDIENDO LENTAMENTE, Y QUE SIN DUDA AUMENTARA LAS VENTAJAS PARA LOS COMPRADORES.
EN UN EJEMPLO CONCRETO, PRESENTAMOS UN PROYECTO DE TOWNHOMES MUY CERCA DE DONDE SE CONSTRUIRA LA NUEVA ESCUELA DE MEDICINA DE LA UNIVERSIDAD DE UCF, A SOLO MILLAS DEL AEREOPUERTO INTERNACIONAL DE ORLANDO QUE ESTA BRINDANDO TREMENDOS INCENTIVOS. ESTA EMPRESA MORRISON, ESTA OFECIENDO A LOS NUEVOS COMPRADORES HASTA $14,000.00 DOLARES EN UPGRADES, $6,000.00 DOLARES EN GASTOS DE CIERRE, Y DOS ANOS PAGOS DE HOME OWNER ASSOC. TODOS ESTOS INCENTIVOS VALORADOS EN $22,500.00 APROX. A DIFERENCIA DE SOLO UN ANO ATRAS, QUE USTED TENIA QUE INSCRIBIRSE EN UNA LISTA DE ESPERA Y EN LA MISMA PREVENTA USTED OBSERVABA COMO SUBIAN LOS PRECIOS DE LAS RESIDENCIAS NUEVAS.
LAS PROPIEADES DURABAN MUY POCO EN EL MERCADO.
DEFINITIVAMENTE LAS COSAS SE ESTAN PONIENDO MEJORES PARA LOS COMPRADORES DE CUALQUIER TIPO DE RESIDENCIAS.
A CONTINUACION EL DETALLE
WASHINGTON – Nov. 8, 2006 – Remember those headlines about the U.S. housing slump possibly nearing an end, heralding a turnaround in 2007? Well, forget about it. Three of the major homebuilders just checked in with reports showing that they are decidedly not on board with that view.
In financial releases on Nov. 7, Beazer Homes USA (BZH) and Toll Brothers (TOL) said their new orders had dropped by more than 50 percent, while both continue to grapple with rising cancellation rates. A third large builder, Hovnanian Enterprises (HOV), said after the market's close that it will slip into the red this quarter because of $300 million in charges from its real estate holdings.
Just a month ago, some thought the nadir had been attained with interest-rate cuts possible in 2007 and a reasonable case to be made that housing was on the brink of an upswing. A JPMorgan analysis sparked a one-day rally for the housing sector on Oct. 10 with a bullish report that suggested falling inventories would lead to better times next year.
Lots of cancellations
Not so fast, says Beazer CEO Ian McCarthy. "Most markets throughout the country continue to experience higher levels of resale home inventories, lower levels of demand for new homes, significant increases in cancellation rates, and considerably higher discounting," he said in a conference call with analysts.
Beazer said its fourth-quarter net income fell 44 percent, to $91.9 million, or $2.19 per diluted share, from $164.4 million, or $3.61 a share, in the same period of 2005. Revenue rose 4 percent, to $1.88 billion, from $1.81 billion, while new orders plummeted by 58 percent, to 2,064. Its gross margins slipped to 8 percent from just over 14 percent a year ago.
With the steep land-related charges, Red Bank [N.J.]-based Hovnanian expects to lose money in the fourth quarter, although it did not specify a figure. For the year, excluding charges, the company expects to earn $215 million to $255 million, or earnings per share of $4.85 to $5.25. New contracts for the quarter fell 36 percent, to 3,100, from the same period a year ago. The company's cancellation rate rose to 35 percent of gross contracts, up from 25 percent in the last quarter of 2005.
Healthy buyer traffic
"As we begin fiscal 2007, we are optimistic that some of our more challenging markets will begin to experience decreasing cancellations and an improved sales pace. However, we have not seen signs of such improvement to date, despite reasonably healthy levels of buyer traffic at many of our communities," President and CEO Ara Hovnanian said in a statement. Company shares dipped 3.5 percent, to $28.01 in aftermarket trading, after finishing the regular session down 1.9 percent, at $29.04, on the New York Stock Exchange.
The picture is not much prettier at Toll, which issued some preliminary financial figures Nov. 7, including a 10 percent decline in revenue on homebuilding during the recent quarter. The company, which caters to a more affluent customer base and has resisted the steep discounting of some rivals, is struggling to keep customers signing – and not canceling – new home contracts. Horsham [Pa.]-based Toll now plans to deliver fewer homes than earlier forecasts specified. Quarterly revenue will come in at about $1.81 billion, down from $2.01 billion a year ago.
Toll also disclosed a record 585 contracts scuttled in the current quarter, amounting to 37 percent of the contracts signed in the fourth quarter, compared to 18 percent in the third quarter. But 25 percent of the current cancellations were in two markets, Orlando and Northern California. Toll's tally of new-order contracts was off by 55 percent from a year ago, to $709.6 million, from a quarterly record of $1.59 billion a year ago.
Surprising writedown
The company also surprised some analysts with a hefty writedown it will take for the value of land it owns or has options on: $50 million to $100 million. That will shave 18 cents to 36 cents per share from fourth-quarter income. Given such circumstances, Toll is expecting to deliver only 6,300 to 7,300 homes for fiscal year 2007, compared to previous guidance of 7,000 to 8,000 deliveries. Toll Brothers also plans to deliver between 1,500 and 1,800 homes in its first quarter of fiscal year 2007.
Beazer shares rose 0.3 percent, 13 cents, to close at $42.07 on the NYSE, while Toll shares dipped a penny, to $28.04.
Beazer CEO McCarthy says the Atlanta company doesn't anticipate any better fortunes in the first quarter, either. "We're not telling you today that there's any improvement in our business," he said.
No sign of the bottom
On Nov. 7, Standard & Poor's analyst William Mack cut his 2006 EPS estimate for Toll from $4.55 to $3.97, and that of next year from $3.75 to $2.30. He raised his share target by $2, to $30, based on a premium to a book value of $21 to $23 because of Toll's "strong track record." [S&P, like BusinessWeek.com, is owned by The McGraw-Hill Companies.]
With 30-year mortgage rates down to 6.1 percent from a July high of 6.8 percent, unemployment benign, and lending rates stable, the luxury home builder's CEO, Bob Toll, expressed surprise Tuesday that he's seeing no sign of a bottom in the market. Toll, noting the economy's overall strength for his company's generally upscale customer, casts the situation as one of gloomy consumers "seeing the glass half-empty," consumed by the prospect of having a property's market value decline.
"We think it's a loss of confidence in the buyers," Toll said on a conference call with analysts. "A lack of demand is a fear of buying a home that two weeks later is going to be priced less."
Unhappy citizens
Toll also said he thinks a change in the country's political structure could help spark a recovery, citing disgruntled consumers staying on the sidelines when it comes to a major commitment such as a home purchase. "Basically, the country's unhappy, to say the least," he said. "Perhaps the unhappiness with the foreign affairs, with the domestic situation, with the election in general [is] spilling over into our market."
In a statement, Beazer Chief Financial Officer James O'Leary said the company had cut a quarter of its workforce, or 1,000 jobs, in September and October "in light of our reduced volume expectations" for next year. Toll also said his company had cut workers, but declined to offer specifics.
The news sent contracts in the composite housing futures index down in trading on the Chicago Mercantile Exchange on Nov. 7, with nine of the nation's largest housing markets showing futures declines.
But in a sign that housing data are always a mix of numbers, anecdotes, and worry, Toll concedes he may have a slightly pessimistic bent toward the whole market. "Up until recently, we were bumping along the bottom, I thought. I still think we're near the bottom," he said in response to an analyst puzzled about how bearish company officials sounded. "I may be more negative than I should be. We have a fairly decent interest here and this is our world, so perhaps we're characterizing it more negatively than we should."
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ASESORALE PARA QUE USTED SE BENEFICIE DE TODAS ESTAS VENTAJAS Y LO MAS IMPORTANTE LIBRE DE COSTO PARA USTED AL UTILIZAR NUETROS SERVICIOS PARA COMPRAR UNA RESIDENCIA EN EL ESTADO DE LA FLORIDA.
GRACIAS POR VISITAR NUESTRO BLOG
407-436-5140
787-486-7906
TODOS SOMOS GUERRERO DE LUZ!
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
PARA TODOS AQUELLOS QUE ESTEN PENSANDO COMPRAR UNA CASA EN LOS PROXIMOS MESES O EN EL PRINCIPIO DEL NUEVO ANO 2007, TENEMOS BUENAS NOTICIAS.
SEGUN SE DESPRENDE DE LOS ANALISIS DE MERCADO QUE COMPARTIRE CON USTEDES A CONTINUACION SE DETALLA LA GRAN CANTIDAD DE INVENTARIO DE CASAS EN REVENTA, PROYECTOS DE CASAS NUEVAS QUE ESTAN VENDIENDO LENTAMENTE, Y QUE SIN DUDA AUMENTARA LAS VENTAJAS PARA LOS COMPRADORES.
EN UN EJEMPLO CONCRETO, PRESENTAMOS UN PROYECTO DE TOWNHOMES MUY CERCA DE DONDE SE CONSTRUIRA LA NUEVA ESCUELA DE MEDICINA DE LA UNIVERSIDAD DE UCF, A SOLO MILLAS DEL AEREOPUERTO INTERNACIONAL DE ORLANDO QUE ESTA BRINDANDO TREMENDOS INCENTIVOS. ESTA EMPRESA MORRISON, ESTA OFECIENDO A LOS NUEVOS COMPRADORES HASTA $14,000.00 DOLARES EN UPGRADES, $6,000.00 DOLARES EN GASTOS DE CIERRE, Y DOS ANOS PAGOS DE HOME OWNER ASSOC. TODOS ESTOS INCENTIVOS VALORADOS EN $22,500.00 APROX. A DIFERENCIA DE SOLO UN ANO ATRAS, QUE USTED TENIA QUE INSCRIBIRSE EN UNA LISTA DE ESPERA Y EN LA MISMA PREVENTA USTED OBSERVABA COMO SUBIAN LOS PRECIOS DE LAS RESIDENCIAS NUEVAS.
LAS PROPIEADES DURABAN MUY POCO EN EL MERCADO.
DEFINITIVAMENTE LAS COSAS SE ESTAN PONIENDO MEJORES PARA LOS COMPRADORES DE CUALQUIER TIPO DE RESIDENCIAS.
A CONTINUACION EL DETALLE
WASHINGTON – Nov. 8, 2006 – Remember those headlines about the U.S. housing slump possibly nearing an end, heralding a turnaround in 2007? Well, forget about it. Three of the major homebuilders just checked in with reports showing that they are decidedly not on board with that view.
In financial releases on Nov. 7, Beazer Homes USA (BZH) and Toll Brothers (TOL) said their new orders had dropped by more than 50 percent, while both continue to grapple with rising cancellation rates. A third large builder, Hovnanian Enterprises (HOV), said after the market's close that it will slip into the red this quarter because of $300 million in charges from its real estate holdings.
Just a month ago, some thought the nadir had been attained with interest-rate cuts possible in 2007 and a reasonable case to be made that housing was on the brink of an upswing. A JPMorgan analysis sparked a one-day rally for the housing sector on Oct. 10 with a bullish report that suggested falling inventories would lead to better times next year.
Lots of cancellations
Not so fast, says Beazer CEO Ian McCarthy. "Most markets throughout the country continue to experience higher levels of resale home inventories, lower levels of demand for new homes, significant increases in cancellation rates, and considerably higher discounting," he said in a conference call with analysts.
Beazer said its fourth-quarter net income fell 44 percent, to $91.9 million, or $2.19 per diluted share, from $164.4 million, or $3.61 a share, in the same period of 2005. Revenue rose 4 percent, to $1.88 billion, from $1.81 billion, while new orders plummeted by 58 percent, to 2,064. Its gross margins slipped to 8 percent from just over 14 percent a year ago.
With the steep land-related charges, Red Bank [N.J.]-based Hovnanian expects to lose money in the fourth quarter, although it did not specify a figure. For the year, excluding charges, the company expects to earn $215 million to $255 million, or earnings per share of $4.85 to $5.25. New contracts for the quarter fell 36 percent, to 3,100, from the same period a year ago. The company's cancellation rate rose to 35 percent of gross contracts, up from 25 percent in the last quarter of 2005.
Healthy buyer traffic
"As we begin fiscal 2007, we are optimistic that some of our more challenging markets will begin to experience decreasing cancellations and an improved sales pace. However, we have not seen signs of such improvement to date, despite reasonably healthy levels of buyer traffic at many of our communities," President and CEO Ara Hovnanian said in a statement. Company shares dipped 3.5 percent, to $28.01 in aftermarket trading, after finishing the regular session down 1.9 percent, at $29.04, on the New York Stock Exchange.
The picture is not much prettier at Toll, which issued some preliminary financial figures Nov. 7, including a 10 percent decline in revenue on homebuilding during the recent quarter. The company, which caters to a more affluent customer base and has resisted the steep discounting of some rivals, is struggling to keep customers signing – and not canceling – new home contracts. Horsham [Pa.]-based Toll now plans to deliver fewer homes than earlier forecasts specified. Quarterly revenue will come in at about $1.81 billion, down from $2.01 billion a year ago.
Toll also disclosed a record 585 contracts scuttled in the current quarter, amounting to 37 percent of the contracts signed in the fourth quarter, compared to 18 percent in the third quarter. But 25 percent of the current cancellations were in two markets, Orlando and Northern California. Toll's tally of new-order contracts was off by 55 percent from a year ago, to $709.6 million, from a quarterly record of $1.59 billion a year ago.
Surprising writedown
The company also surprised some analysts with a hefty writedown it will take for the value of land it owns or has options on: $50 million to $100 million. That will shave 18 cents to 36 cents per share from fourth-quarter income. Given such circumstances, Toll is expecting to deliver only 6,300 to 7,300 homes for fiscal year 2007, compared to previous guidance of 7,000 to 8,000 deliveries. Toll Brothers also plans to deliver between 1,500 and 1,800 homes in its first quarter of fiscal year 2007.
Beazer shares rose 0.3 percent, 13 cents, to close at $42.07 on the NYSE, while Toll shares dipped a penny, to $28.04.
Beazer CEO McCarthy says the Atlanta company doesn't anticipate any better fortunes in the first quarter, either. "We're not telling you today that there's any improvement in our business," he said.
No sign of the bottom
On Nov. 7, Standard & Poor's analyst William Mack cut his 2006 EPS estimate for Toll from $4.55 to $3.97, and that of next year from $3.75 to $2.30. He raised his share target by $2, to $30, based on a premium to a book value of $21 to $23 because of Toll's "strong track record." [S&P, like BusinessWeek.com, is owned by The McGraw-Hill Companies.]
With 30-year mortgage rates down to 6.1 percent from a July high of 6.8 percent, unemployment benign, and lending rates stable, the luxury home builder's CEO, Bob Toll, expressed surprise Tuesday that he's seeing no sign of a bottom in the market. Toll, noting the economy's overall strength for his company's generally upscale customer, casts the situation as one of gloomy consumers "seeing the glass half-empty," consumed by the prospect of having a property's market value decline.
"We think it's a loss of confidence in the buyers," Toll said on a conference call with analysts. "A lack of demand is a fear of buying a home that two weeks later is going to be priced less."
Unhappy citizens
Toll also said he thinks a change in the country's political structure could help spark a recovery, citing disgruntled consumers staying on the sidelines when it comes to a major commitment such as a home purchase. "Basically, the country's unhappy, to say the least," he said. "Perhaps the unhappiness with the foreign affairs, with the domestic situation, with the election in general [is] spilling over into our market."
In a statement, Beazer Chief Financial Officer James O'Leary said the company had cut a quarter of its workforce, or 1,000 jobs, in September and October "in light of our reduced volume expectations" for next year. Toll also said his company had cut workers, but declined to offer specifics.
The news sent contracts in the composite housing futures index down in trading on the Chicago Mercantile Exchange on Nov. 7, with nine of the nation's largest housing markets showing futures declines.
But in a sign that housing data are always a mix of numbers, anecdotes, and worry, Toll concedes he may have a slightly pessimistic bent toward the whole market. "Up until recently, we were bumping along the bottom, I thought. I still think we're near the bottom," he said in response to an analyst puzzled about how bearish company officials sounded. "I may be more negative than I should be. We have a fairly decent interest here and this is our world, so perhaps we're characterizing it more negatively than we should."
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA ASESORALE PARA QUE USTED SE BENEFICIE DE TODAS ESTAS VENTAJAS Y LO MAS IMPORTANTE LIBRE DE COSTO PARA USTED AL UTILIZAR NUETROS SERVICIOS PARA COMPRAR UNA RESIDENCIA EN EL ESTADO DE LA FLORIDA.
GRACIAS POR VISITAR NUESTRO BLOG
407-436-5140
787-486-7906
TODOS SOMOS GUERRERO DE LUZ!
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
Wednesday, November 08, 2006
SE AVECINA NUEVA POLITICA DE CREDITO PARA EXTRANJEROS QUE PODRIA GENERAR UN BOON EN LA VENTA DE PROPIEDADES NUEVAMENTE
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA A TODOS
EXISTEN UNA GRAN CANTIDAD DE POTENCIALES COMPRADORES DE PRIMERA RESIDENCIA EN ESTADOS UNIDOS QUE SE ESTARAN BENEFICIANDO CON LOS CAMBIOS PROPUESTOS DEL METODO TRADICIONAL PARA APROBAR UN CREDITO HIPOTECARIO SIN NUMERO DE SEGURO SOCIAL QUE EN ESTE MOMENTO SON RECHASADOS POR LAS MAYORES CASAS DE CREDITO EN LOS ESTADOS UNIDOS.
VARIAS EMPRESAS CREDITICIAS ESTUDIAN ESTE MERCADO QUE REPRESENTA UNA SUMA DE ALREDEDOR DE 200 BILLONES DE DOLARES.POR EJEMPLO ESTO SERIA IMPACTANTE EN EL ESTADO DE CALIFORNIA, TEXAS, FLORIDA Y OTROS TERRITORIOS DE LOS ESTADOS UNIDOS
YA EXISTEN ALREDEDOR DE 200 EMPRESAS DE BIENES RAICES, MORTGAGE BROKER Y OTRAS EMPRESAS RELACIONADAS CALCULANDO RIESGOS A BASE DE RECIBOS DE UTILIDADES, COMPROBANTES DE CHEQUES DE RENTAS,Y OTROS PAGOS.
DE SER ACEPTADO EN WALL STREET Y EN EL MERCADO SECUNDARIO COMO FANNIE MAE, ESTA NUEVA METODOLOGIA DE REPORTE DE CREDITO PODRIA IMPACTAR SIGNIFICATIVAMENTE EL ACTUALMENTE MERCADO DE BIENES RAICES SEGUN LA OPINION DE MUCHOS EN ESTA INDUSTRIA.
EN UN ESTUDIO REALIZADO POR LA UNIVERSIDAD DE HAVARD REALIZADO RECIENTEMENTE, PRESENTO UNA PROYECCION EN LA CUAL UNA TERCERA PARTE DEL MERCADO DE COMPRA DE RESIDENCIA PARA EL 2010, SERA PROVENIENTE DEL MERCADO HISPANO.
A CONTINUACION INFORMACION ADICIONAL
A study by the Joint Center for Housing Studies at Harvard University shows Latinos will account for nearly one-third of the home-buying pool by 2010. That same year, the disposable income of Hispanics will exceed $1.08 trillion, or 9.2 percent of total purchasing power nationwide, according to the Selig Center for Economic Growth at the University of Georgia.
No law requires that buyers be in the country legally in order to purchase real estate, Acosta said. Citibank, for instance, doesn't require that borrowers be citizens or legal residents of the United States, Citigroup spokeswoman Janis Tarter said.
As with many other minority and immigrant communities, bringing Hispanic families into the mortgage market is a continuing challenge, say officials at Federal Reserve Banks across the country.
Community groups from California to Atlanta have begun offering financial education classes in Spanish as the number of mortgage products available to immigrants and underserved populations has grown.
In Fresno, the housing advocate ACORN Housing Corp. helps clients secure loans by writing alternative credit profiles, which often draw on months of data from telephone bills and employment records, said Lydia Lopez, the group's local manager.
Once ACORN vets the client's financial stability, they send them to Citibank, which finances the home loans.
Automating that process by using programs like First American Corp.'s Anthem service, which generates a credit score using nontraditional data, will help new immigrant clients win prime-grade financing and acceptance in the secondary market, said Acosta.
"Right now, those applications might be the last thing to sit in a loan officer's 'Inbox' when he's trying to leave at the end of the day," said Mark Catone, First American's senior vice president. "Rather than someone having to review all the information manually, we're trying to fill in the gaps early on."
Acosta said the group was discussing the alternative credit programs with officials at Fannie Mae and Freddie Mac.
Both companies require that borrowers for loans they underwrite be legal residents, but Fannie Mae accepts some alternative credit data.
"One of our most widely used products uses rental housing payments and utility accounts to underwrite loans for people who lack traditional credit records," said Cristina Miranda, a Fannie Mae spokeswoman. "We keep on looking at the impact that certain changes will have on the impact of minority homeownership."
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
407-436-5140
78-486-7906
TODOS SOMOS GUERREROS DE LUZ!
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA A TODOS
EXISTEN UNA GRAN CANTIDAD DE POTENCIALES COMPRADORES DE PRIMERA RESIDENCIA EN ESTADOS UNIDOS QUE SE ESTARAN BENEFICIANDO CON LOS CAMBIOS PROPUESTOS DEL METODO TRADICIONAL PARA APROBAR UN CREDITO HIPOTECARIO SIN NUMERO DE SEGURO SOCIAL QUE EN ESTE MOMENTO SON RECHASADOS POR LAS MAYORES CASAS DE CREDITO EN LOS ESTADOS UNIDOS.
VARIAS EMPRESAS CREDITICIAS ESTUDIAN ESTE MERCADO QUE REPRESENTA UNA SUMA DE ALREDEDOR DE 200 BILLONES DE DOLARES.POR EJEMPLO ESTO SERIA IMPACTANTE EN EL ESTADO DE CALIFORNIA, TEXAS, FLORIDA Y OTROS TERRITORIOS DE LOS ESTADOS UNIDOS
YA EXISTEN ALREDEDOR DE 200 EMPRESAS DE BIENES RAICES, MORTGAGE BROKER Y OTRAS EMPRESAS RELACIONADAS CALCULANDO RIESGOS A BASE DE RECIBOS DE UTILIDADES, COMPROBANTES DE CHEQUES DE RENTAS,Y OTROS PAGOS.
DE SER ACEPTADO EN WALL STREET Y EN EL MERCADO SECUNDARIO COMO FANNIE MAE, ESTA NUEVA METODOLOGIA DE REPORTE DE CREDITO PODRIA IMPACTAR SIGNIFICATIVAMENTE EL ACTUALMENTE MERCADO DE BIENES RAICES SEGUN LA OPINION DE MUCHOS EN ESTA INDUSTRIA.
EN UN ESTUDIO REALIZADO POR LA UNIVERSIDAD DE HAVARD REALIZADO RECIENTEMENTE, PRESENTO UNA PROYECCION EN LA CUAL UNA TERCERA PARTE DEL MERCADO DE COMPRA DE RESIDENCIA PARA EL 2010, SERA PROVENIENTE DEL MERCADO HISPANO.
A CONTINUACION INFORMACION ADICIONAL
A study by the Joint Center for Housing Studies at Harvard University shows Latinos will account for nearly one-third of the home-buying pool by 2010. That same year, the disposable income of Hispanics will exceed $1.08 trillion, or 9.2 percent of total purchasing power nationwide, according to the Selig Center for Economic Growth at the University of Georgia.
No law requires that buyers be in the country legally in order to purchase real estate, Acosta said. Citibank, for instance, doesn't require that borrowers be citizens or legal residents of the United States, Citigroup spokeswoman Janis Tarter said.
As with many other minority and immigrant communities, bringing Hispanic families into the mortgage market is a continuing challenge, say officials at Federal Reserve Banks across the country.
Community groups from California to Atlanta have begun offering financial education classes in Spanish as the number of mortgage products available to immigrants and underserved populations has grown.
In Fresno, the housing advocate ACORN Housing Corp. helps clients secure loans by writing alternative credit profiles, which often draw on months of data from telephone bills and employment records, said Lydia Lopez, the group's local manager.
Once ACORN vets the client's financial stability, they send them to Citibank, which finances the home loans.
Automating that process by using programs like First American Corp.'s Anthem service, which generates a credit score using nontraditional data, will help new immigrant clients win prime-grade financing and acceptance in the secondary market, said Acosta.
"Right now, those applications might be the last thing to sit in a loan officer's 'Inbox' when he's trying to leave at the end of the day," said Mark Catone, First American's senior vice president. "Rather than someone having to review all the information manually, we're trying to fill in the gaps early on."
Acosta said the group was discussing the alternative credit programs with officials at Fannie Mae and Freddie Mac.
Both companies require that borrowers for loans they underwrite be legal residents, but Fannie Mae accepts some alternative credit data.
"One of our most widely used products uses rental housing payments and utility accounts to underwrite loans for people who lack traditional credit records," said Cristina Miranda, a Fannie Mae spokeswoman. "We keep on looking at the impact that certain changes will have on the impact of minority homeownership."
JOSE RAUL MARRERO
MARRERO REAL ESTATE BROKERAGE LLC
407-436-5140
78-486-7906
TODOS SOMOS GUERREROS DE LUZ!
ESTA NAVIDAD REGALA ALEGRIA
www.cantoresdebayamon.com
Monday, November 06, 2006
LOS INTERESES HIPOTECARIOS AL MAS BAJO NIVEL DURANTE ESTA SEMANA DEL MES
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
DIVERSOS FACTORES ECONOMICOS DETIENEN ALZA EN LOS INTERESES COMO UNA BAJA EN LOS INDICES INFLACIONARIOS. CON UNAS TAZAS ATRACTIVAS EN LOS DIFERENTES TIPOS DE PRESTAMOS HIPOTECARIOS, CONTINUA EL MERCADO FAVORABLE A LOS COMPRADORES. VEAMOS LA INFORMACION A CONTINUACION.
WASHINGTON – Nov. 3, 2006 – Rates on 30-year mortgages dropped this week to the lowest level in a month as financial markets viewed new evidence of a slowing U.S. economy as a sign that inflation will decline.
Mortgage-giant Freddie Mac reported Thursday that 30-year, fixed-rate mortgages dropped to 6.31 percent this week. That was down from 6.40 percent last week and represented the lowest level since 30-year rates were at 6.30 percent four weeks ago.
All categories of mortgages showed declines for the week, reflecting a batch of reports showing the economy slowing, a development that the Federal Reserve hopes will push inflation rates down to more acceptable levels.
The government reported last Friday that the overall economy, as measured by the gross domestic product, slowed to a sluggish growth rate of 1.6 percent in the July-September quarter, the weakest pace in more than three years.
"Lower than expected third quarter GDP figures helped to put a damper on rising rates this week," said Frank Nothaft, Freddie Mac's chief economist.
Nothaft said the lower mortgage rates may trigger a spurt of refinancing by people who want to get out of adjustable rate mortgages that are scheduled to adjust upward over the next year.
"We are also seeing a higher number of homeowners who are taking cash out of their homes for home improvement or other needs rather than opting for a prime rate home equity loan now that the prime rate is over 8 percent," Nothaft said.
After hitting records for five consecutive years, U.S. home sales and construction of new homes are down sharply this year, a slowdown that has been a major drag on the overall economy.
In an effort to dispel some of the gloom surrounding housing at present, the National Association of Realtors announced that it was beginning a series of newspaper ads proclaiming, "It's a great time to buy or sell a home."
The ads, which were to start appearing in newspapers on Friday, noted that mortgage rates have been falling recently and the near-record level of unsold homes means that buyers have more homes to choose from.
The ad quotes former Federal Reserve Chairman Alan Greenspan as saying that "most of the negatives in housing are probably behind us."
Tom Stevens, the Realtors' president, said, "The market is much better than you might hear or read."
The Freddie Mac mortgage survey showed that rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.02 percent this week, down from 6.10 percent last week.
Rates on one-year adjustable rate mortgages fell to 5.53 percent, compared to 5.60 percent last week.
Rates on five-year adjustable rate mortgages dropped to 6.05 percent, down from 6.14 percent last week.
The mortgage rates do not include add-on fees known as points. The 30-year and 15-year mortgages each carried an average nationwide fee of 0.4 point. The one-year ARM had a nationwide average fee of 0.6 point and the five-year ARM had an average fee of 0.5 point.
A year ago, 30-year mortgages averaged 6.31 percent, the same as this week, while 15-year mortgages stood at 5.85 percent, one-year ARMs were at 5.09 percent and the five-year ARMs were at 5.76 percent.
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UN GRANDIOSO DIA PARA TODOS
DIVERSOS FACTORES ECONOMICOS DETIENEN ALZA EN LOS INTERESES COMO UNA BAJA EN LOS INDICES INFLACIONARIOS. CON UNAS TAZAS ATRACTIVAS EN LOS DIFERENTES TIPOS DE PRESTAMOS HIPOTECARIOS, CONTINUA EL MERCADO FAVORABLE A LOS COMPRADORES. VEAMOS LA INFORMACION A CONTINUACION.
WASHINGTON – Nov. 3, 2006 – Rates on 30-year mortgages dropped this week to the lowest level in a month as financial markets viewed new evidence of a slowing U.S. economy as a sign that inflation will decline.
Mortgage-giant Freddie Mac reported Thursday that 30-year, fixed-rate mortgages dropped to 6.31 percent this week. That was down from 6.40 percent last week and represented the lowest level since 30-year rates were at 6.30 percent four weeks ago.
All categories of mortgages showed declines for the week, reflecting a batch of reports showing the economy slowing, a development that the Federal Reserve hopes will push inflation rates down to more acceptable levels.
The government reported last Friday that the overall economy, as measured by the gross domestic product, slowed to a sluggish growth rate of 1.6 percent in the July-September quarter, the weakest pace in more than three years.
"Lower than expected third quarter GDP figures helped to put a damper on rising rates this week," said Frank Nothaft, Freddie Mac's chief economist.
Nothaft said the lower mortgage rates may trigger a spurt of refinancing by people who want to get out of adjustable rate mortgages that are scheduled to adjust upward over the next year.
"We are also seeing a higher number of homeowners who are taking cash out of their homes for home improvement or other needs rather than opting for a prime rate home equity loan now that the prime rate is over 8 percent," Nothaft said.
After hitting records for five consecutive years, U.S. home sales and construction of new homes are down sharply this year, a slowdown that has been a major drag on the overall economy.
In an effort to dispel some of the gloom surrounding housing at present, the National Association of Realtors announced that it was beginning a series of newspaper ads proclaiming, "It's a great time to buy or sell a home."
The ads, which were to start appearing in newspapers on Friday, noted that mortgage rates have been falling recently and the near-record level of unsold homes means that buyers have more homes to choose from.
The ad quotes former Federal Reserve Chairman Alan Greenspan as saying that "most of the negatives in housing are probably behind us."
Tom Stevens, the Realtors' president, said, "The market is much better than you might hear or read."
The Freddie Mac mortgage survey showed that rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.02 percent this week, down from 6.10 percent last week.
Rates on one-year adjustable rate mortgages fell to 5.53 percent, compared to 5.60 percent last week.
Rates on five-year adjustable rate mortgages dropped to 6.05 percent, down from 6.14 percent last week.
The mortgage rates do not include add-on fees known as points. The 30-year and 15-year mortgages each carried an average nationwide fee of 0.4 point. The one-year ARM had a nationwide average fee of 0.6 point and the five-year ARM had an average fee of 0.5 point.
A year ago, 30-year mortgages averaged 6.31 percent, the same as this week, while 15-year mortgages stood at 5.85 percent, one-year ARMs were at 5.09 percent and the five-year ARMs were at 5.76 percent.
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Friday, November 03, 2006
ESTABLE LA CANTIDAD DE CONTRATOS PENDIENTES A CIERRE DURANTE EL MES DE SEPTIEMBRE A NIVEL NACIONAL
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
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UN MARAVILLOSO DIA
SEGUN INFORMACION RECOPILADA POR LA ASOCIACION NACIONAL DE REALTOR A NIVEL NACIONAL, LA CANTIDAD DE TRANSACCIONES DE PROPIEADES PENDIENTES DE CIERRE SE MANTIENE SIN MAYORES CAMBIOS SEGUN REFLEJARON LOS NUMEROS DEL MES DE SEPTIEMBRE. PODRIAMOS CONSIDERAR ESTO COMO UNA SENAL ADICIONAL DE ESTARSE NORMALIZANDO EL MERCADO. A CONTINUACION EL DETALLE DEL INFORME.
;Pending home sales show leveling trend
WASHINGTON – Nov. 2, 2006 – Home sales are expected to hold fairly steady in the months ahead, according to the latest reading on pending home sales published by the National Association of Realtors (NAR).
The Pending Home Sales Index (PHSI), based on contracts signed in September, slipped 1.1 percent to a level of 109.1, following a 4.5 percent gain in August, but remains 13.6 percent below September 2005.
David Lereah, NAR’s chief economist, says the index shows home sales will not be moving much in one direction or another. “The present level of home sales is relatively high in historic terms, and we can expect generally minor movements around this level. We don’t expect to see any changes of note until early next year when we’re likely to see a modest lift to home sales,” he said. “The market currently is a little lower than expected as buyers try to time their entry. In the meantime, there’s some buildup in demand that will move when consumers realize that conditions are optimal for them.”
Regionally, the PHSI in the Midwest rose 2.1 percent in September to 96.4 but was 18.4 percent below September 2005. The index in the West slipped 0.4 percent to 112.5 in September and was 15.2 percent below a year ago. In the South, the index eased 1.3 percent in September to 125.0 and was 9.0 percent below September 2005. The index in the Northeast fell 5.9 percent to 89.9 in September and was 15.9 percent lower than a year earlier.
The index is derived from pending sales of existing homes. A sale is listed as pending when the contract has been signed and the transaction has not closed; pending sales typically are finalized within one or two months of signing.
An index of 100 is equal to the average level of contract activity during 2001, the first year to be examined and the first of five consecutive record years for existing-home sales. There is a closer relationship between annual changes in the index and year-ago changes in sales performance than with month-to-month comparisons.
© 2006 FLORIDA ASSOCIATION OF REALTORS®
GRACIAS POR VISITAR ESTA SECCION DE NUESTRO BLOG
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JOSE RAUL MARRERO
REAL ESTATE BROKERAGE LIC.
UN MARAVILLOSO DIA
SEGUN INFORMACION RECOPILADA POR LA ASOCIACION NACIONAL DE REALTOR A NIVEL NACIONAL, LA CANTIDAD DE TRANSACCIONES DE PROPIEADES PENDIENTES DE CIERRE SE MANTIENE SIN MAYORES CAMBIOS SEGUN REFLEJARON LOS NUMEROS DEL MES DE SEPTIEMBRE. PODRIAMOS CONSIDERAR ESTO COMO UNA SENAL ADICIONAL DE ESTARSE NORMALIZANDO EL MERCADO. A CONTINUACION EL DETALLE DEL INFORME.
;Pending home sales show leveling trend
WASHINGTON – Nov. 2, 2006 – Home sales are expected to hold fairly steady in the months ahead, according to the latest reading on pending home sales published by the National Association of Realtors (NAR).
The Pending Home Sales Index (PHSI), based on contracts signed in September, slipped 1.1 percent to a level of 109.1, following a 4.5 percent gain in August, but remains 13.6 percent below September 2005.
David Lereah, NAR’s chief economist, says the index shows home sales will not be moving much in one direction or another. “The present level of home sales is relatively high in historic terms, and we can expect generally minor movements around this level. We don’t expect to see any changes of note until early next year when we’re likely to see a modest lift to home sales,” he said. “The market currently is a little lower than expected as buyers try to time their entry. In the meantime, there’s some buildup in demand that will move when consumers realize that conditions are optimal for them.”
Regionally, the PHSI in the Midwest rose 2.1 percent in September to 96.4 but was 18.4 percent below September 2005. The index in the West slipped 0.4 percent to 112.5 in September and was 15.2 percent below a year ago. In the South, the index eased 1.3 percent in September to 125.0 and was 9.0 percent below September 2005. The index in the Northeast fell 5.9 percent to 89.9 in September and was 15.9 percent lower than a year earlier.
The index is derived from pending sales of existing homes. A sale is listed as pending when the contract has been signed and the transaction has not closed; pending sales typically are finalized within one or two months of signing.
An index of 100 is equal to the average level of contract activity during 2001, the first year to be examined and the first of five consecutive record years for existing-home sales. There is a closer relationship between annual changes in the index and year-ago changes in sales performance than with month-to-month comparisons.
© 2006 FLORIDA ASSOCIATION OF REALTORS®
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Thursday, November 02, 2006
VIVIR SIN CONDICIONAMIENTOS
MARRERO REAL ESTATE BROKER LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA
HE RECIBIDO UN BONITO Y MOTIVADOR MENSAJE QUE QUIERO COMPARTIR CON MIS AMIGOS LECTORES. EN MI PROPOSITO DE VIDA DESAFIO LO RACIONAL EN BUSQUEDA DE LUZ. HE AQUI UN EJERCICIO DE MI IRRACIONALIDAD CUANDO EN UNA PAGINA DE NEGOCIOS DESEO COMPRTIR CONTIGO EL CONTEXTO DE ESTA PALABRAS MOTIVACIONALES PARA CONTINUAR EN MI DESEO DE DIBUJAR MI CAMINO DE LA FELICIDAD Y LIBERTAD.
Vivir sin condicionamientos
Hacer lo que estás haciendo, ¿influye de alguna manera en cómo te sientes? ¿Qué pasaría si pudieses sentir plena felicidad independientemente de lo que estuvieses haciendo? ¿Será posible?
Por supuesto que si. Tu propia capacidad para ser feliz no depende de ninguna situación, actividad o resultado en particular. Obviamente que deseas ciertos y determinados resultados y condiciones. Sin embargo, éstos no te definen ni te condicionan como persona.
La felicidad inherente a tu esencia humana es incondicional y absolutamente abarcadora de toda tu existencia. Puedes ir más allá de la lucha cotidiana, puedes desprenderte de meras circunstancias. Y haciéndolo encontrarás una libertad maravillosa que llenará de fuerza, foco y efectividad todo lo que emprendas.
No ignores la realidad ni te escapes de ella. Trasciéndela, simplemente. Eres más que tus circunstancias. Eres más que tus problemas, más que tus bienes y que tus preocupaciones. En la medida en que permitas que tu espíritu se eleve por encima de tus circunstancias podrás aprovechar lo mejor de ellas, sin importar qué puedan ser.
POR KEREN BORRAS
JOSE RAUL MARRERO
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407-436-5140
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post d
ESTA NAVIDAD REGALA ALEGRIA
www.cantoredebayamon.com
JOSE RAU
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA
HE RECIBIDO UN BONITO Y MOTIVADOR MENSAJE QUE QUIERO COMPARTIR CON MIS AMIGOS LECTORES. EN MI PROPOSITO DE VIDA DESAFIO LO RACIONAL EN BUSQUEDA DE LUZ. HE AQUI UN EJERCICIO DE MI IRRACIONALIDAD CUANDO EN UNA PAGINA DE NEGOCIOS DESEO COMPRTIR CONTIGO EL CONTEXTO DE ESTA PALABRAS MOTIVACIONALES PARA CONTINUAR EN MI DESEO DE DIBUJAR MI CAMINO DE LA FELICIDAD Y LIBERTAD.
Vivir sin condicionamientos
Hacer lo que estás haciendo, ¿influye de alguna manera en cómo te sientes? ¿Qué pasaría si pudieses sentir plena felicidad independientemente de lo que estuvieses haciendo? ¿Será posible?
Por supuesto que si. Tu propia capacidad para ser feliz no depende de ninguna situación, actividad o resultado en particular. Obviamente que deseas ciertos y determinados resultados y condiciones. Sin embargo, éstos no te definen ni te condicionan como persona.
La felicidad inherente a tu esencia humana es incondicional y absolutamente abarcadora de toda tu existencia. Puedes ir más allá de la lucha cotidiana, puedes desprenderte de meras circunstancias. Y haciéndolo encontrarás una libertad maravillosa que llenará de fuerza, foco y efectividad todo lo que emprendas.
No ignores la realidad ni te escapes de ella. Trasciéndela, simplemente. Eres más que tus circunstancias. Eres más que tus problemas, más que tus bienes y que tus preocupaciones. En la medida en que permitas que tu espíritu se eleve por encima de tus circunstancias podrás aprovechar lo mejor de ellas, sin importar qué puedan ser.
POR KEREN BORRAS
JOSE RAUL MARRERO
www.joseraulmarrero.com
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ
post d
ESTA NAVIDAD REGALA ALEGRIA
www.cantoredebayamon.com
JOSE RAU
