Manuel Quiros's Blog Posts

Your credit score indicates your financial health, thereby determining your creditworthiness. Credit scores are provided by institutions such as CIBIL, Experian etc., among which, CIBIL is the most

If you aren't that familiar with the mortgage world, some of the terminology may leave you extremely overwhelmed.  For example, you probably won't know what it means to be qualified for a fixed

Before you start the FHA loan process, be prepared to provide some information to your loan officer. Have it ready now to save time later.Take the time to discuss the items on your checklist with

When it comes to selling a home, both buyers and sellers have closing costs. While it is the buyer that faces more expenses, the seller is responsible for paying the commission Home buyers generally

YOU ARE INVITED!Don't MISS this fun LUXURY OPEN HOUSE Event SATURDAY Aug. 10 - TOMORROWTHREE (3) OPEN HOUSES on  MARYLEE LANE in TUSCANY WOODS, check out the flyer!Each home is serving;

Meet Chris Loschiavo one of our team members at I Think.

Welcome to Paradise in the Heart of Florida! Beautiful country estate sitting on 17.9 pristine country acres, 8 of which are completely landscaped and irrigated with a beautiful spring

Great words from Tom Ferry for everyone to hearView the full video click on the link https://www.youtube.com/watch?v=46JEYne8hFo&t

What’s the first thing you think of when you hear that someone is moving to Orlando, Florida? If you’re a non-resident, chances are it has something to do with Disney World, Universal Studios,

Too many first-time home buyers, credit score is something they know they need, but they don’t fully understand what it is or how it can impact their buying experience. If you’re a

Home prices are on the uptick for the first time in several years, which means that you may have a limited window of opportunity to become a homeowner before prices shoot through the proverbial roof

Good morning  friends and Family, One thing I enjoy doing a lot is blogging, I have a lot of interesting topics. Its great information on preparing to buy homes, managing student loans,

Florida has experienced a promising rebound in recent years following a slow recovery from the 2008 recession. Home prices are on the rise, unemployment rates are on the decline, and in 2017 the

The Perceived Pros / Advantages of becoming a Florida resident It’s warm and sunny all the time, after all they call it the sunshine state. The beaches, I love going to the beach. The golf

No matter how many times you’ve been to Orlando, you’ll be amazed by what you find the next time you’re here. The reason is, we’re constantly improving, with new theme park additions,

Orlando is a city in the U.S. state of Florida and the county seat of Orange County. Located in Central Florida, it is the center of the Orlando metropolitan area, which had a population of 2,387,

Want to visit world-famous theme parks, practically on your doorstep? Come to Kissimmee. Looking to get up close (but not so personal) with hundreds of alligators? Come to Kissimmee. Searching for

The first step in the home buying process is to understand where you stand financially. Rest assured this guide was created to help you through this process in as painless a matter as possible. It's

Over the last few years, many sellers have been hesitant to put their houses on the market because they feared not being able to find another home to buy.We’ve reported on inventory shortages in

Okay, 2018 was quite the tease in the housing market. The year started out hot, only to taper off halfway through. But plenty of Americans still traded their For Sale signs for Sold ones, and they�

If you want a shot at becoming wealthy, you need to do more than simply earn money. Most importantly, you need to hold onto the money you earn. And then, you need to grow your

Buying a home isn't always a good financial move. Renting isn't necessarily a waste of money. Our simple rent vs buy calculator can help you decide whether it makes more sense for you to rent or buy

Take charge of your student loan debt! Learn how to pay your student loans off fast. Compare payment plans, consolidation, refinancing & more. To read the full article click on the link: http:/

The first step in preparing to apply for a mortgage is to document your monthly income and debt payments. You’ll need to provide at least two weeks of pay stubs to your lender, so it doesn�

Buying your first home is one of the most important and exciting financial milestones of your life. But before you hit the streets with a realtor, you need to have a good sense of a realistic.

Wondering how to build credit from scratch? Worried you haven't started building credit yet? Here is what you need to know to build good credit for the first timeTo read the full article click on

The Federal Reserve reports that 90%n of US mortgages taken out the first quarter of 2019 were by homeowners with credit score of at least 650, and 70% had a score higher than 700.To read the full

The bill still needs Senate approval and the president’s signature, however. If it becomes law, it would cut fees for buyers who complete a counseling program.To read the full article. click on

To read the full article or information to attend a free class on homebuyer Education course being offered free of charge to anyone interested in pursuing the path to homeownershiphttp://bit.ly

To read the full article http://bit.ly/2xisk7LGeneration Z, 18- to 24 year-olds who are entering the age bracket for first-time home buying, is the first generation in American history with a

To read the full article http://bit.ly/2xisk7LAbout one-third of millennials (ages 18-34) believe paying off their student loan debt is their top financial priority, ahead of paying down credit.

FHA 203K is a loan that will allow home buyers to get financing for the purchase and the renovation of a home with the convenience of one loan and one mortgage payment.After reading the article if

Orlando is the most visited tourist destination in the U.S., but there are also many benefits to living here. Here’s everything you need to know before moving to Orlando. click on the link http:/

Would you like to live in a place where the weather is always warm and sunny?Then the best thing for you might be to relocate to Orlando, Florida! http://bit.ly/2KpaoRJAfter reading the article if

Here’s a question we get from many new homebuyers: Do you have to use an FHA loan with down payment assistance? The answer is no — there are different types of mortgages available depending on

Some Americans are using their retirement accounts to pay their student loans — that’s bad - MarketWatch To read more on this article click on the link below:https://on.mktw.net/2XcnJzm

The Equifax data breach exposed the Social Security number, address, date of birth and name of at least 145 million Americans. A savvy fraudster could use this stolen information to open new

ORLANDO, Fla., May 21, 2019 /PRNewswire/ -- Florida's housing market reported more sales, higher median prices and increased inventory (active listings) in April compared to a year ago,

Facing Minority Homeownership   The Down Payment Report  News and Data on Residential Down Payments   Report Released: May 21, 2019 If you believe in the power of

Tom Ferry delivers a brutally honest message to all, its amazing. He is a positive motivator Click on the link below it’s a must see videohttps://youtu.be

Our community, state, and nation are faced with both a growing need for affordable rental housing and an opportunity to chart a new direction toward economic vitality and beneficial social impact.

There have been differing opinions among the association members/owners as to whether or not this statute applies to timeshares, when the clock started for the eight-year rule, and if those previous

NEW YORK – May 3, 2019 – Becoming a homeowner is likely to get more costly and competitive over the next decade as millions more Americans enter the age range where people typically seek to buy

Owning a home does have advantages for building wealth in life, but I advocate asking yourself these five questions before choosing to buy a home.1: Is Your Financial House In Order?  ;

How to Get Something Removed from Your Credit ReportStart With a Credit Dispute Letter. Before you try anything else,...Write a Goodwill Letter. If disputing the negative entry doesn’t work (that

What's a good credit score? Most credit scores - including the FICO score and the latest version of the VantageScore - operate within the range of 301 to 850. Within that range,

Many divorcing individuals anticipate some of the tougher emotional, social, and physical aspects of divorce proceedings. Still, they can be blindsided by one they had not considered – their

 Which Type of Loan Is Best?Reputable lenders will find out more about you before throwing out loan options. You wouldn't expect a doctor to suggest surgery before she assessed your

Many people believe that buying a home is out of reach, as it would take years to save the recommended 20% for the down payment. However, you can buy a home without having 20% to put down. Your down

The days of easy credit and 100 percent financing might be behind us, but down payment assistance (DPA) programs are alive and well. They survived the credit meltdown, and they still provide a

If you are interested in FREE information on homes that are currently on the market and ready to be purchased please visit my website at https://buff.ly/2SanvW4 or email me at gina@ithinkrealty

Sooner or later, you’ll be in a position to get a personal loan. It might be to help you start a business, afford a home renovation, or finance some other personal project. But regardless of what

If you are interested in FREE information on homes that are currently on the market and ready to be purchased please visit my website at https://buff.ly/2SanvW4 or email me at gina@ithinkrealty

If you are interested in FREE information on homes that are currently on the market and ready to be purchased please visit my website at https://buff.ly/2SanvW4 or email me at gina@ithinkrealty

Interested in FREE information on homes that are currently on the market and ready to be purchased please visit my website at https://buff.ly/2SanvW4 or email me at gina@ithinkrealty

If you are interested in FREE information on homes that are currently on the market and ready to be purchased please visit my website at www.gina.ithinkrealty.com or email me at gina@ithinkrealty

If you are interested in receiving information on homes that are currently on the market and ready to be purchased please visit my website at www.gina.ithinkrealty.com or email me at gina

No Equity BuildingUnless you’re party to a rent-to-own agreement, every dollar you pay in rent is gone forever. No matter how long you remain in your rental unit or how exemplary a tenant you

Building Equity Over TimeUnlike renters, homeowners build equity over time. On most mortgages, a portion of each monthly payment goes toward the loan’s interest. The remainder pays down its

Renting doesn’t involve a costly purchase process, so it has fewer upfront expenses. Still, you may encounter the following costs before or shortly after moving into a new apartment.

Given the hefty upfront costs associated with purchasing a home, most young people begin their independent lives renting an apartment. As they build careers, save money, and start families,

Derogatory AccountsDerogatory accounts are accounts that are negatively effecting your credit. Just one mistake can turn a positive account into a derogatory account. Derogatory accounts can report

The beginning …First, what does FHA even mean? The name comes from the “Federal Housing Administration,” who are the originators of this loan. It was introduced during the Great Depression due

When buying a home, cash is king, but most folks don't have hundreds of thousands of dollars lying in the bank. Of course, that's why obtaining a mortgage is such a crucial part

Charisma isn't everything. Only when you understand the key traits that define effective leadership will you be able to inspire your team, foster loyalty, and drive business results.If you own a

 Ask the questions and educate yourselfDon’t let preconceived ideas about programs throw you off. Down payment programs aren’t just for narrowly defined homebuyers and “targeted”

Are you worried the seller will balk at a contract with financing beyond a typical first mortgage? While that might happen, we also know sellers want to sell their home…for the best price. The

1. RationalityFirst, run this decision through the rational, analytical part of your brain. Make a list of the pros and cons of your options. If you’re making a decision about whether to take a

When you're saving your down payment money there are a number of closing costs that you need to take into consideration. Moreover, there are some fees that are paid "outside" of closing and you

FloridaDownPaymentAssistance.com2019 First Time Home Buyer Programsas of January 20, 2019Compare the top down payment assistance programs and first time home buyer programs available in Florida.We

The Pro'sIt’s warm and sunny all the time, after all they call it the sunshine state.The beaches, I love going to the beach.The golf courses. Florida has more of themThe theme parks. Disney,

Don’t wait until you’re ready to move to start preparing financially to buy a home. If you’re like the vast majority of home buyers, you will choose to finance your purchase with a mortgage

If you’re a current homeowner, or in the market to buy, you’re probably curious about the latest trends in home design. Sellers who make strategic updates before listing a property can

It’s a common misconception that you shouldn’t try to buy or sell a home during the fall and winter months. This is generally considered the “offseason” in real estate. Many sellers

As we begin another year, everyone wants to know: “Where is the housing market headed in 2019?”It’s not only buyers, sellers, and homeowners who are impacted. The real estate market plays an

A recent survey from the National Association of Realtors® revealed that 77 percent of buyers’ agents said staging a home makes it easier for potential buyers to visual it as their own. That’s

Remodeling Magazine releases 2019 Cost vs. Value ReportWASHINGTON, D.C. – Jan. 23, 2019 – Remodeling Magazine released its 32nd annual Cost vs. Value Report, which compares the cost of popular

 Can I BUY a HOME if I changed Jobs?                                    What if I was out of work for a

Recent COLLEGE GRADUATES: If YOU (borrower) have graduated with at least a bachelor’s degree (not associates) or completed a TRADE school then your years at college can be used as if it was

Look at School Academic Performance. 1. Go to SchoolView.org Step 2.  Prepare Questions You Can Ask While Visiting the School. Prepare a list of questions you can ask while visiting

1) Get Ready for Home Ownership Build a good credit history Get mortgage pre-approvalFind out what type of mortgages you quality for Save up for a down payment (typically 10-20% of property’s

A home warranty can provide peace of mind. The last thing a home buyer wants to worry about after closing is what could possibly break or malfunction in her new home. Since that can cover a

You must have a specific goal. ...saying you want to make more money isn’t specific enough. You should assign a specific dollar amount to it like, “I will make an extra $10,000/month.”You MUST

Practice Positive Affirmations Daily 1. Start the day with a positive affirmation. How you start the morning sets the tone for the rest of the day. Have you ever woken up late, panicked, and

Shopping for a mortgage can be stressful and time-consuming, especially when you know next to nothing about the process. Nobody wants to feel like they’re making a monumental decision while going

 Don’t Drink and Drive Side tip: Keep your drink with you at all times to avoid tampering.It’s plain and simple: if you choose to drink this holiday, plan ahead for transportation.

There are signs that the holidays are approaching: there’s a chill in the air and a blaze in the fireplace; cocoa has become the drink of choice; decorations are popping up on houses and shops

Even if you’ve had only one alcoholic beverage.Plan Ahead! You know whether you’ll attend a party. If you plan to drink, plan for a sober driver to take you home. Is it your turn to be the

Keeping your furry family members safe during the holidays can be a difficult task. There are the breakable ornaments, potentially dangerous plants, presents with bows and ribbons, lights that can

Smoke detectors and fire alarms may be some of the most important items in your home when it comes to your family’s safety. These early warning devices may help alert your family to fire and

Be disciplined Most entrepreneurs are people of impulse, and most passionate people live by feelings. But those who understand and practice the art of discipline can channel those impulses into

Are you making a resolution for 2018?Warning: More than half of all resolutions fail, but this year, they don’t have to be yours. Think of any possible resolution you might make and then twist it

For those who aren't hosting guests and parties this year, house-hunting over the holidays is advantageous for a number of reasons. A handful of the benefits buying a home during the holidays:

The holidays are approaching quickly and it's important that we don't lose sight of why we celebrate in the first place. I recently lost a dear friend and I never saw it coming. It was sudden

The holidays are often the time of year when friends, family and company employees come together to celebrate.Hold the party in the daytime and during the week and consider making it a family party

For some the holidays are a special time, perhaps the only time all year they get to see other family members.As special as these occasions are, we all know a family—it might even be your family�

Decide how much you can afford to spendHow much you feel comfortable spending this holiday season ultimately depends on how much discretionary income you have each month. This is money that is left

1. Never leave your lights on unattendedWhether you’re dashing out for a carton of eggnog or going to sleep for the night, turn your Christmas lights off any time you will not be nearby to.

Having God in my life Not everyone is religious so this is my personal THANK YOU for what I believe in and not meant to offend anyone. Everyday I thank God for looking over me and letting me

 1. Get a home monitoring system Home security is absolutely essential and there’s many options to choose from, so make sure you opt for one that fits your home. Some home security

 Most people figure they'll get a real estate agent to sell their home. But what they may not realize is that they need to get the real estate agent sold on their home. Yes, it's up to you to

“The first thing people see when they walk to my door is that touchpad, and they want to know all about it. Burglars mostly enter your home through an unlocked door or by forcing open a window or

USDA Loan Credit Requirements Applicants must show stable and dependent income and a credit history that demonstrates the ability and willingness to repay the loan. There is no minimum credit

If you’ve just bought a new home, chances are you spent quite some time worrying about your credit score. After all, your credit score affects your ability to get a mortgage, and the interest rate

With so many available style, feature, quality and technology options, selecting the best appliances for your new or remodeled kitchen can be overwhelming, even if you're working with a design or

Here are eight tips for effectively managing your time:⦁ Know your goals. Make sure you're engaging in activities that support your business goals, both short- and long-term⦁ Prioritize

Prepping for the Sale 1. Get Supplies. Make sure you have everything you need at least a day before the garage sale starts 2. Don't Forget the Change. Odds are, you'll have to make $19.95

How Safe Is the Air in Your Home?It’s not enough for the air inside of your home to be cool and comfortable. Above all, you need the air inside of your home to be clean and safe. While we tend to

The Drain Pan Is CloggedWhen working properly, the drain pan helps to remove excess water (condensation) from within your air conditioning system. As condensation builds up within your AC, a line

Whether you own your home or rent, doing what you can to reduce the energy costs around your house, apartment, or condo can save you more money than you might think. The Department of Energy (DOE)

1. Keep your porch and exterior lights on all night. Vandals are less likely to act if neighbors and passersby can easily spot them. 2. Choose your trick-or-treating venue or neighborhood.

By now, you've probably picked out your Halloween costume, you know how to trick or treat, and are ready to collect ten pounds of candy from houses nearby. However, do you know how to trick or treat

What is the HARP Program? The Home Affordable Refinance Program is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, to help underwater and-

STEPS TO TAKE WHEN BUYING A HOME Before a person begins the process of buying a house he or she will need to know what they can afford. ... The pre-qualification process is one in which a

Davenport is a city in Polk County, Florida, United States. The population was 2,888 at the 2010 census. During the Halloween season this is what is happening in Davenport, FL. Spooky

Hire an AgentBecause I am an agent, I believe in hiring a buyer's agent first. But you don't have to if you prefer to go to open houses and look through a mumbo jumbo of homes online.Mostly, an

Deadline for Homestead In order to meet the application deadline you must apply by March 1st of the year for which you are claiming the exemption. March 1 of each year is the last day to submit

Go to http://www.polkpa.orgClick the property search tab image of property search tab at the top of this page. Type in the owner name and click search records. You will receive a list of

Building a solid relationship with your real estate clients is key to a successful sale. But the benefits of good client connections don’t end there. Gaining your clients’ trust increases the

For the first time today, I had to deliver bad news to a client. It was difficult and heartbreaking because you know that at this point the client is down and may be think of just forgetting about

How To Maintain a Salt Water PoollWeekly, test the pool water for Free Chlorine and pH. Bi-weekly, test the pool water for Salt, Alkalinity, Stabilizer, and Calcium.  To maintain

Here are a few ways you can position yourself and your finances to improve your chances of landing a loan. ⦁Save a larger down payment. For those with a credit score, a larger down payment is

Home insurance offers peace of mindWith homeowner’s insurance, you can sleep a little sounder at night knowing that you have a safety net if anything ever happens to your largest investment.

My first Blog on Kunverson - Testing how I doBeing new to this industry and starting out with new clients I have found that our they depend and trust everything we as Agents say. Our clients

Any seasoned REALTOR®, knows that the real estate market fluctuates all the time, going up or down depending on a number of factors. But when a market truly falls, there is generally a

#PolkOpenHousesClick on the hashtag above to view a list of all the open houses directly from the MLS this weekend of August 18th and 19th, feel free to check out our website as well.;

Join us in commemorating the Fair Housing Act. Watch this video to learn about the law, how it makes our industry and country stronger, and the work that is still to be done. We ask all members of

10 Interior House Painting Tips & Painting Techniques  for the Perfect Paint JobTip 1:To avoid lap marks, roll the full height of the wall and keep a wet edge        ;

In the emotional world of real estate, sometimes you have to decide what's right for you, your client, your team and your broker. Many emotionally charged decisions become difficult and overwhelming

6 Ways New Buyers Can Compete in a Tight Market | Down Payment Resource When you’re the newbie buyer on the block, it can be tough out there. What can you do to be more competitive when you�

SANTA ANA, Calif. – June 12, 2018 – First American Financial Corporation's Real Estate Sentiment Index (RESI) for the second quarter of 2018 finds little likelihood that rising interest rates

Don't miss this opportunity to speak to a loan specialist about refinancing, buying a vacation home, first time buyer programs, and to have lunch with us! Bring your friends and family.

http://paola.ithinkrealty.comUna de las decisiones mas importantes y delicadas, es la compra de un hogar. El primer pazo, en cualquier situacion, es investigar y educarse hacerca de todos los

Well in Winter Haven....If you are trying to find something to do with your little ones, this June 9, 2018, there will FREE treasure hunt event.  The event is for everyone and it consist

The new tax code limits the deduction of state and local property taxes, as well as income or sales taxes, to a total of $10,000. When the tax reform legislation was put into law at the beginning of

Mortgage interest rates have increased by more than half of a point since the beginning of the year. They are projected to increase by an additional half of a point by year’s end. Because of this

A Little About Winter HavenWinter Haven is a beautiful area and home to 50 lakes. Within that number, 24 of them are interconnected which give access to business, fishing, and beautiful sunsets.

Well, in Winter Haven...         If you are wondering what to do in Polk County during the month of May, here is a cool event for those who like music, drinks, and

107 Kaigen Court, Haines City, FL 33844What are you waiting for? This cozy and updated 2004 home offers everything you desire with an AFFORDABLE price! The home features a large lot in the quaint

153 Gleneagles Drive, Davenport, FL 33897Stunning home in prestigious and desirable Highlands Reserve Community, featuring a beautiful golf course, playground, community pool and located just off

Despite the grim economic outlook for some industries, one sector is gaining viability -- real estate. According to the 2018 Emerging Trends in Real Estate, which was released by the Urban Land

The ‘smart home’ is the new ‘internet of things’, or objects that can serve you better by communicating with each other or directly with you through apps on your smart phone. In the ideal

Maybe your dream home has the intricate details that you usually find only in older construction - wainscoting and crown molding in the interior, the front porch with a swing, an older tree

Is the Factory Education Model to out of date for the 21st Century?Personal PerspectiveAs a former teacher, I would say yes! I believe that teachers have the most powerful job and the most

Great curb appeal not only makes your home the star of the neighborhood, it can also improve its value and help you sell it for more. Whether you’re thinking of listing your home or just want to

Okay, you made one of the most important decisions in your life: you’re buying a home! You found your ideal home. It’s in your desired neighborhood, close to everything you love, you dig its

Wealth is within reach for many people; however, according to a recent study, 63 percent of Americans said it’s not likely they’ll become rich.1 While younger people are more likely to say �

Should you sell your home without a real estate agent?Our area is experiencing a very active real estate market, and the thought of selling your home without hiring a real estate agent could mean

INTRODUCTIONTurn on the television or scroll through Facebook, and chances are you’ll see at least one advertisement for a group or “guru” who promises to teach you how to “get rich�

"Communities work better (students perform better, crime rates are lower, kids are safer, people live longer) when neighbors know one another better. Knowing your neighbor on a first-name basis..

A common thought in real estate is never list your home in the winter offseason. Perpetuated by industry experts, agents and repeat sellers alike, this saying encourages many would-be sellers to

If you’re in the market for a new home or investment property, one of the first questions you’ll probably ask is, “What can we afford?” Many buyers become so caught up in how much they can

Many people have considered the idea of owning an RV...and why not? Owning an RV can have so many benefits, one of them is being able to travel any road to any place. Besides mobility, RVs are a

Real Home Value Calculator: Assessed Value vs Market Value Understanding a home’s true market value is about more than pictures, software assessments and price-per-square-foot. Whether you�

Homes in Central Florida are selling fast, so you think yours will be easy to sell – and many times people think they can sell above true market value. Never mind all that advice on curb appeal,

We frequently get questions from clients who are taking on decorating and remodeling projects and want to ensure their dollars are invested wisely. Which looks will last for years to come, and

Don’t wait until you’re ready to move to start preparing financially to buy a home. If you’re like the vast majority of home buyers, you will choose to finance your purchase with a mortgage

From summer vacations to winter holidays, it seems each season offers the perfect excuse to put off our to-do list. But be careful, homeowners: neglecting your home’s maintenance could put your

I love where I live! Check out my recent photos of Winter Haven, Auburndale, Lakeland and Haines City on my Instagram account! Don't forget to follow me @cornersofpolk I'm here to help you buy

These small home improvements will go along way in impressing potential homebuyers!As you probably already know the housing market in our Area is Red Hot and it will get even busier this

Bargain Hunting8 Tips to Great ValuesEveryone wants a bargain when buying a home. But one buyer's bargain can be another buyer's money pit. If "bargain" means only below-market price, then not

If you sold your home in 2017 you know the market is still in your favor. Davenport, Haines City, Winter Haven, Auburndale, Dundee, Lakeland, Kissimmee, Clermont are experiencing a shortage of