Gina Vazquez's Blog Posts

What Does Your Credit Score Say About You

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

Read More

Mortgage Terminology

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

Read More

FHA Requirements A Good Loan Checklist Creates A Smooth Application

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

Read More

Who Pays Closing Costs When Buying A Home

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

Read More

Tom Ferry What Your Parents Failed To Tell You The New Formula For Succes

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

Read More

13 Tips For Anyone Moving To Orlando

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,

Read More

Understanding Your Credit Score When Buying A Home

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

Read More

Am I Ready To Buy A Home

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

Read More

Jul 18 2019 63205 1

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,

Read More

The Five Hottest Florida Real Estate Markets To Sell Property In

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

Read More

The Pros And Cons Of Living In Florida

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

Read More

Whats New In Orlando

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,

Read More

Orlando Traveling

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,

Read More

Things To Do In Kissimmee

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

Read More

Veteran Home Buying Veterans Guide To Homeownership

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

Read More

What A Difference A Year Makes For Sellers Keeping Current Matters

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

Read More

2019 Real Estate Trends What You Need To Know

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

Read More

How To Invest The Smart Way To Make Your Money Grow

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

Read More

Rent Vs Buy Calculator Is Home Ownership Right For You

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

Read More

How To Manage Student Loan Debt

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:/

Read More

How To Get Approved For Your First Mortgage

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

Read More

How Much House Can You Afford

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.

Read More

How To Build Credit The Right Way

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

Read More

Credit Score You Will Need To Buy A Home

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

Read More

House Passes Bill To Cut Firsttimers FHA Insurance Fees

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

Read More

Keystone Challenge

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

Read More

Tomorrows Buyers Value Diversity

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

Read More

Millennials Worry More About Paying Off Student Debt Than Saving For A Home

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.

Read More

New Law Removes Cap Limits On VA Loans

                                 

Read More

Jun 25 2019 63205 1

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

Read More

13 Tips For Anyone Moving To Orlando FL

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:/

Read More

Five 5 Reason To Move To Orlando Florida

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

Read More

FHA Loans And Down Payment Assistance

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

Read More

Some Americans Are Using Their Retirement Accounts To Pay Their Student Loans

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

Read More

How To Lock And Monitor Your 3 Credit Reports For Free

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

Read More

Flas Housing Market Sales Median Prices Rise In April 2019

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,

Read More

Down Payment Report

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

Read More

Tom Ferry Video

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

Read More

THE GROWING CRISIS IN RENTAL HOUSING

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.

Read More

What Makes A 55 Community A Legal 55 Community

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

Read More

May 6 2019 63205 1

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

Read More

How Do You Know When Youre Ready To Buy A Home

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?  ;

Read More

Apr 6 2019 63205 2

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

Read More

Apr 6 2019 63205 1

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,

Read More

Rebuilding Your Credit After A Divorce

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

Read More

10 Questions To Ask Your Mortgage Broker Or Lender

 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

Read More

The Myth Of The 20 Down Payment

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

Read More

Using Down Payment Assistance On Your Next Mortgage Loan

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

Read More

What Is An FHA Loan And How Do You Qualify

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

Read More

What Happens At A Closing And What Is A Closing Agent

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

Read More

How Much Below The Asking Price Should You Offer On A House

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

Read More

Closing Cost Who Pays What

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

Read More

What Do Closing Costs Cover

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

Read More

Who Pays The Commission Of The Real Estate Agent

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

Read More

Disadvantages Of Renting

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

Read More

Advantages Of Buying

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

Read More

Costs Of Renting Your Home

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.

Read More

Costs Of Buying Your Home

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,

Read More

Derogatory Credit Information

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

Read More

Mortgage PreQualification Vs PreApproval Whats The Difference By Lisa Gordon Jun 20 2017

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

Read More

How To Be An Inspirational Leader

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

Read More

Myths That Down Payment Assistance Is Only For Very Low Cost Homes

 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”

Read More

Myths About Down Payment Assistance That Sellers Wont Accept Offers With Layered Financing

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

Read More

8 Factors You Really Need To Consider Before You Make Any Big Decision To Purchase A Home

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

Read More

Feb 11 2019 63205 1

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

Read More

Great Information On FloridaDownPaymentAssistancecom

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

Read More

The Pros And Cons Of Relocating To Florida

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,

Read More

How To Evaluate A School Choice For Kids

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

Read More

Home Buying Process

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

Read More

What Is A Home Warranty How Does It Work

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

Read More

Steps To Goal Setting

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

Read More

Pratice Being Positive

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

Read More

Questions To Ask The Mortgage Lender When Searching For A Home

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

Read More

New Years Eve Safety Tips

 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.

Read More

Preventing Theft During The Christmas Holidays Protect Your Home

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

Read More

Remember It Is Never Okay To Drive Drunk

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

Read More

10 Pet Safety Tips For The Holidays

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

Read More

How To Test Your Smoke Detectors And Fire Alarms

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

Read More

Stand Out In A Crowded Field Of Professionals And Be Noticed As The Real Entrepreneur And Leader Tha

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

Read More

New Years Resolutions

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

Read More

Reasons To Buy A House During The Holidays

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:

Read More

Being Thankful During The Holidays And Throughout The Year

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

Read More

Things To Consider Before Serving Alcohol At Your Holiday Party

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

Read More

How To Deal With Family Members During The Holidays

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

Read More

Ways To Stay On Track This Holiday Season

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

Read More

10 Christmas Light Safety Tips You Need To Read Now

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.

Read More

I Am Thankful For

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

Read More

What Can You Do To Protect Your Home From Thieves When You Are Away

 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

Read More

How To Get You Home Ready For An Agent To List Your Home

 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

Read More

Protecting Your Home

“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

Read More

Nov 3 2018 63205 1

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

Read More

What Does My Credit Score Say

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

Read More

CHOOSING KITCHEN APPLIANCES

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

Read More

Managing Your Time

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

Read More

Prepping For Garage Sales

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

Read More

How Safe Is The Air Quality In Your Home

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

Read More

AC Smells Like Mold What Can It Be

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

Read More

Saving On Energy Costs In Your Home

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)

Read More

How To Protect Yourself And Your Home This Halloween

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.

Read More

Safety Tips For Homeowners This Halloween

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

Read More

What Is The HARP Program And Are You Eligible

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-

Read More

Halloween In Davenport FLorida

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

Read More

Tips For Buying Your First Home And Mistakes To Avoid

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

Read More

Checking If You Qualify For Homestead And What Is It

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

Read More

Will You Benefit From The Proposed 3rd Homestead Exemption For Polk County FL

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

Read More

Building Relationships Blog 2 Oct 4 2018

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

Read More

When You Have To Deliver Bad News To Your Clients Oct 4 2018 Blog 63205 1

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

Read More

How To Maintain A Salt Water Pool Sep 26 2018 63205 1

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

Read More

Facts To Know When Purchasing A Home 3rd Blog September 26 2018

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

Read More

Home Insurance Offers Peace Of Mind Sep 25 2018 2nd Blog

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.

Read More

Sep 23 2018 63205 1

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

Read More