Stuart Rubin’s real estate market tips? Draining your savings. Spending all or most of their savings on the down payment and closing costs is one of the biggest first-time homebuyer mistakes, says Ed Conarchy, a mortgage planner and investment adviser at Cherry Creek Mortgage in Gurnee, Illinois. “Some people scrape all their money together to make the 20 percent down payment so they don’t have to pay for mortgage insurance, but they are picking the wrong poison because they are left with no savings at all,” Conarchy says. How this affects you: Homebuyers who put 20 percent or more down don’t have to pay for mortgage insurance when getting a conventional mortgage. That’s usually translated into substantial savings on the monthly mortgage payment. But it’s not worth the risk of living on the edge, Conarchy says. What to do instead: Aim to have three to six months of living expenses in an emergency fund. Paying mortgage insurance isn’t ideal, but depleting your emergency or retirement savings to make a large down payment is riskier.

This is where the groundwork is laid for the search for your new home. There are several points you should cover in your initial consultation. For example: Define your needs; the number of bedrooms and bathrooms, size of the kitchen, where you want to live, your price range, timeline, etc. Determine when and how often you can look at prospective homes. Verify your contact information and how you want to be contacted (email, phone, etc.) Ask your agent about financing. They can explain the different types of available loan programs, and refer you to lenders that can answer specific questions. Review the paperwork. While not necessary at this point, reviewing paperwork will allow you the advantage to ask questions about documents before it’s time to sign them.

Get An FHA Loan? That refers to a loan that is guaranteed by the Federal Housing Administration. The loan itself typically comes from a private lender. One advantage of FHA loans is that they can have higher debt ceiling ratios. Instead of the conventional 28/36 ratios, FHA loans may let you use a 31/43 ratio. Still, FHA loans can have slightly higher interest rates, says Mary Ellen Garrett, wealth management advisor and portfolio manager, Merrill Lynch. Homebuyers tend to get FHA loans because they do not have much saved for a down payment. Another reason is that their credit score is too low to qualify for a regular loan. In most cases, that means a credit score below 620, according to BankRate.com, but above 500.

Stuart Rubin data: Prior to joining Deloitte, he was a co-founder of a leading cyber services consultancy where he launched a managed services platform for providing ongoing monitoring of network devices and assessing and reporting on the impact of cyber-related events. Stuart is a graduate of Florida State University and holds a Bachelor of Science in Information Studies. He is a Certified Information Systems Security Professional (CISSP-ISSMP) and a member of ISACA and InfraGard.

He is the National leader for Deloitte’s Controls Advisory practice, incorporating emerging technologies like RPA, cognitive, and analytic visualizations to deploy scalable, tech-enabled, automated controls and compliance solutions that deliver meaningful business outcomes, generate higher ROI and lower Total Cost of Compliance (TCC) when compared to traditional control design, monitoring, and testing.

A graduate from the University of Southern California, Stuart Rubin, now leads the real estate industry. It is no surprise that real estate is where he excels as he always had an eye to detect potential where others only saw ruin. In fact, he bought and re-sold his first property at the age of 17 with his friend Richard Pachulski. Through his tenure, the company has been involved in the purchase management and disposition of the vagabond hotel chain which was a 55 unit limited-service hotel company. Find more info at Stuart Rubin.

The rise of a business investor : Jack Brown @ Invest Islands : With a deep-rooted passion for sustainable development, nothing brings Jack more satisfaction than helping investors realise their dreams of owning a slice of paradise and ensuring they exit with an excellent return. Jack is particularly proud of the Invest Islands Foundation who work hard to improve the quality of life of the local communities in Lombok including building a school and building a new recycling centre for waste collected from the ocean.

Invest Islands Jack Brown on investment opportunities in Indonesia : “Operating across the Asia Pacific region, Invest Islands is a land brokerage company based in Lombok Indonesia, with strategic offices in Hong Kong under Asian Island Group. I currently oversee all of the aspects of the Asian Island Group. I also travel to the development sites and visit the Invest Islands Foundation Charity projects. Additionally, I frequently travel to the plantation field at the foot of Mount Rinjani that supplies fresh fruits and vegetables to the Invest Islands Resort in Torok Bay.”

Nothing brings Jack more satisfaction than helping investors realise their dreams of owning a slice of paradise and ensuring they exit with an excellent return. He is brimming with excitement for the future and has plans to partner with leading resort management companies like Six Senses, now part of the Intercontinental group. He aims to accelerate global marketing and therefore increase occupancy much faster, compared to working with local firms, as well as offering a higher level of maintenance, security and ROI for investors.

Indonesia’s economy is on the rise, helping the country take its rightful position as a major destination for foreign direct investment (FDI). Indonesia is entering a “sweet spot” as a convergence of its young, working population with that of relatively stable inflation and sustained economic growth which in turn is fuelling overall consumer spending. Finally, the country’s resilience during the global financial crisis illustrates the merits of its immense population and economic self-reliance, demonstrating how these factors buck the trend of most other G20 economies.

According to Jack Brown, Invest Islands Foundation is the project he is particularly proud of. The NGO has already built a school in the village of Batu Banke, pays local widows and single mothers to clean the beaches and is developing a recycling centre for the collected waste. Find extra details on Jack Brown Invest Islands.

Property Dubai? Once you select a lender, you should speak with a loan officer as quickly as possible. At this point, there is one thing you should know. Pre-qualifying means absolutely nothing. All pre-qualifying does is determine the amount of the loan you could qualify for based on factors such as your credit, salary, etc. It does not guarantee that a lender will actually loan you the money. It’s more important to get PRE-APPROVED. Pre-approval means that your application has been submitted to a lender who is willing to extend you a specific loan amount, pending a property and appraisal. Being pre-approved lets you know that you won’t be denied for a loan, and it also provides you with leverage to negotiate the purchase price of a home with the seller.

This strip of sandy white bliss is the number one beach destination for Dubai visitors. Hotels are strung out all along its length, with this being one of the most popular places to stay for tourists. The beach has excellent facilities, with plenty of sun loungers, restaurants, and water sports operators offering jet skiing. While in the area, brush off the sand for an hour and visit the Majlis Ghorfat Um Al-Sheef, just a short hop from the beach. Built in 1955, this was the summer residence of the late Sheikh Rashid bin Saeed al-Maktoum. The residence, made out of gypsum and coral-block, has been restored and maintains much of the original beautiful decor, giving you a better understanding of the opulent lifestyle of Dubai’s rulers. The Majlis Gardens feature a reproduction of an impressive Arab irrigation system and many shady date palms.

When it comes to property development, selling, or buying, it involves huge risks. Either you are buying your dream house or you are receiving your recently developed property from a contractor, we are here with our top-notch snagging services. Emporio ensures you are receiving your property in the perfect condition meeting the highest industry standards. Find more info on Dubai apartments for sale.

Making decisions based on emotion. Buying a house is a major life milestone. It’s a place where you’ll make memories, create a space that’s truly yours, and put down roots. It’s easy to get too attached and make emotional decisions, so remember that you’re also making one of the largest investments of your life, says Ralph DiBugnara, president of Home Qualified in New York City. “With this being a strong seller’s market, a lot of first-time buyers are bidding over what they are comfortable with because it is taking them longer than usual to find homes,” DiBugnara says. How this affects you: Emotional decisions could lead to overpaying for a home and stretching your budget beyond your means. What to do instead: “Have a budget and stick to it,” DiBugnara says. “Don’t become emotionally attached to a home that is not yours.”

If you’re going to buy a house it makes a lot of sense to make sure that rush hour traffic isn’t unbearable. The last thing you want is to buy a home and find out that you’re going to be sitting in heavy traffic every day. Time is more valuable than money, you don’t want to spend your time in traffic – I know I don’t. You want to spend your time doing more important things like spending time with your family. We always recommend our buyers check out the commute to and work on different days just to make sure it’s something they are comfortable with.

Emporio Group was started with a mission to be a leader in the property management sector by filling the gaps and providing value-based services to our clients. 15 years have passed. Today we are here as a leading name of the industry with hundreds of projects, thousands of happy clients and multiple awards, and recognitions under our brand name. We can say proudly, we have been successful in winning your trust through our dedication, hard work, and top-notch services. Read extra information at https://www.emporio.ae/.

Condo development in Kirkland, WA by JadeKirkland.com? Once you select a lender, you should speak with a loan officer as quickly as possible. At this point, there is one thing you should know. Pre-qualifying means absolutely nothing. All pre-qualifying does is determine the amount of the loan you could qualify for based on factors such as your credit, salary, etc. It does not guarantee that a lender will actually loan you the money. It’s more important to get PRE-APPROVED. Pre-approval means that your application has been submitted to a lender who is willing to extend you a specific loan amount, pending a property and appraisal. Being pre-approved lets you know that you won’t be denied for a loan, and it also provides you with leverage to negotiate the purchase price of a home with the seller.

Draining your savings. Spending all or most of their savings on the down payment and closing costs is one of the biggest first-time homebuyer mistakes, says Ed Conarchy, a mortgage planner and investment adviser at Cherry Creek Mortgage in Gurnee, Illinois. “Some people scrape all their money together to make the 20 percent down payment so they don’t have to pay for mortgage insurance, but they are picking the wrong poison because they are left with no savings at all,” Conarchy says. How this affects you: Homebuyers who put 20 percent or more down don’t have to pay for mortgage insurance when getting a conventional mortgage. That’s usually translated into substantial savings on the monthly mortgage payment. But it’s not worth the risk of living on the edge, Conarchy says. What to do instead: Aim to have three to six months of living expenses in an emergency fund. Paying mortgage insurance isn’t ideal, but depleting your emergency or retirement savings to make a large down payment is riskier.

Constructed with lifestyle, location, and attainable home ownership in mind, JADE serves as a symbol of what’s next for Kirkland—and the greater Seattle metro area. JADE will feature 136 homes from below $400,000 to more than $1M. Occupancy 2021. Born in Germany, raised in southern California, and fluent in Mandarin Chinese, Rachel has a deep appreciation for the world’s cultures, relocation, and travel. She also holds a Bachelor of Arts in Asian Literature and Culture from the University of California Riverside. Having served as a client advisor and visual merchandiser for Louis Vuitton, Rachel understands the luxury market and level of care that working with the Sotheby’s International Realty brand affords her clients. Her promise to her clients is that she will tailor her approach to their individual lifestyle, wants, and needs, and that she is committed to delivering excellence in every interaction and sale. Discover more info on https://www.jadekirkland.com/sales-gallery/.

When looking at homes, you should seriously consider ignoring paint and landscaping. These are two items that are easy to fix, and they should not impact your decision making when purchasing a house. If the home has a terrific location and the paint/landscaping is poor you shouldn’t rule it out, you have to be able to envision what the house will look like when you move in and make changes. A lot of time buyers will not be able to overlook paint or landscaping and this gives an opportunity for others who know how easy it is to fix. Location is something you can’t change, paint and landscaping is something you can.

Terrene Urban and Realogics Sotheby’s International Realty (RSIR) welcomed dozens of brokers to an exclusive introductory open house for JADE Residences at the newly opened sales gallery in Kirkland on Wednesday. Over 50 brokers were in attendance to learn more about this one-of-a-kind collection of condominiums consisting of 135 new residences that stand in an unmatched proximity to the dining and shopping of the Village at Totem Lake and even conveniently across from the Evergreen Health Medical Center.

JADE is a unique and internationally-inspired collection of condominiums anchored within Kirkland’s nature beauty and fully connected with in-city convenience. Designed by Johnson Braund Architects, the vibrant community will have six stories with expansive glass windows, and over 60 percent of condos will have extended outdoor spaces. Constructed with lifestyle, location, and attainable home ownership in mind, JADE serves as a symbol of what’s next for Kirkland—and the greater Seattle metro area. Address: 11903 NE 128th St. | Kirkland, Washington 98034. Find extra information at 1 bedroom condos Kirkland, WA.

Fastest way to sell a home in Las Vegas, NV? When looking at homes, you should seriously consider ignoring paint and landscaping. These are two items that are easy to fix, and they should not impact your decision making when purchasing a house. If the home has a terrific location and the paint/landscaping is poor you shouldn’t rule it out, you have to be able to envision what the house will look like when you move in and make changes. A lot of time buyers will not be able to overlook paint or landscaping and this gives an opportunity for others who know how easy it is to fix. Location is something you can’t change, paint and landscaping is something you can.

Talking to only one lender. This one is a biggie. First-time buyers might get a mortgage from the first (and only) lender or bank they talk to, potentially leaving thousands of dollars on the table. “A good mortgage loan officer can look at your situation and diagnose any potential roadblocks ahead to give you a clear understanding of your home-buying options,” Arteaga says. How this affects you: The more you shop around, the better basis for comparison you’ll have to ensure you’re getting a good deal and the lowest rates possible. What to do instead: Shop around with at least three different lenders, as well as a mortgage broker. Compare rates, lender fees and loan terms. Don’t discount customer service and lender responsiveness; both play key roles in making the mortgage approval process run smoothly.

Now that you know the “fair market value” of the home you like, it’s time to determine how much you are willing to pay. Establishing this prior to making a formal offer helps define your personal limits. You should determine how much to offer, how much earnest money you will put down, how much of the closing costs you will ask the seller to pay, when you plan to settle, and what inspections you plan to have conducted. Your agent will offer great advice for structuring your offer. Remember to ask your agent about contingencies and their importance. If you don’t fully understand something, be sure to clarify it.

You may be surprised what a table and a few chairs will do to increase the appeal of your home. In addition to an immaculate landscaping appearance, setting up outdoor furniture on the patio or deck with some fresh cut flowers, snacks, and ice cold drinks will create a very charming scene. Buyers will fantasize about how they will enjoy spending time outside your home by entertaining family and friends. Discover a few more details on I need to sell my property for cash in Las Vegas.

A lot of people buy properties in Las Vegas, NV because it’s a fabulous travel attraction. The Mob Museum, or the National Museum of Organized Crime and Law Enforcement as it is officially named, is a truly unique and standout museum in Nevada. The museum is housed in a 1933 Neoclassical building, formerly the US Post Office and Courthouse, that has its own history. It was one of the locations for the famous Kefauver Committee hearings in 1950, which revealed some ugly truths about organized crime in Las Vegas and across the US. The museum tells the history of the Mob in America through engaging, interactive displays and video clips. Exhibits deal with everything from the individual characters and events to the culture and fashion associated with the times.

We work differently at Genuine Real Estate Acquisitions and Talents LLC. When you contact us and submit the short property information form (below), we’ll give you a fair all-cash offer on your house within 24 hours… and the best part is: we can close whenever YOU choose to close – it’s entirely up to you! It doesn’t matter what condition the house is in, or even if there are tenants in there that you can’t get rid of… don’t worry about it. We’ll take care of it for you. And, if you need the cash quickly, we can close in as little as 7 days because we buy houses with cash and don’t have to rely on traditional bank financing. (Go here to learn about our process ?) In short… No matter what condition your house is in; no matter what situation or timeframe you’re facing… Find a few extra info at here.

Rent properties in Lekki Lagos, Nigeria: Real estate investments is a risky area in Nigeria and any other part of the world. Everybody who desires to get into real estate wants to be a success. After all, why would you get into a business that you may fail? However not everybody is aware of the way to be a success in real estate. The following are some tips that can assist you to become successful in the real estate industry.

Tarkwa Bay is sheltered beach located near the Lagos Harbour. It’s a popular with swimmers and water-sports enthusiasts, also home to a welcoming resident community. You’ll love this beautiful island that far removed from the hustle and bustle of Lagos. Tarkwa Bay Beach, unlike most public beaches in Lagos, isn’t often noisy or overcrowded. This makes it a great place for some alone time with your significant other or perhaps a fun day out with your friends. If you are looking for a quiet romantic time, you should visit Tarkwa Bay Beach on a weekday. Though Tarkwa Bay Beach is a small and lesser visited beach, many fun seekers visit it during the weekends, public holidays and festive season.

Lagos, Nigeria, is a port city built across a series of islands, with numerous sandy beaches in its vicinity as well as opportunities for boat trips and water sports. You can rent chairs, raffia shades and beach huts at most of the beaches in Lagos city, which all charge a nominal entrance fee, and some offer rentals of surf boards, jet skis and pedal boats. Tarkwa Bay, accessible only by boat. Boat trips to Tarkwa Bay depart from jetties in town and take about 15 to 30 minutes, depending on the boat. The beach is popular because it has some of the gentlest waves in Lagos, ideal for both swimming and learning to surf. Be prepared to wade through the shallows when your boat arrives at the beach; the alternative is a piggyback ride.

Create must-have list. One of the tips for first-time homeowners is having a must-have list. Just as with any aspiration, you need to have a target of what you are looking for. A checklist of what you are looking for, which neighbourhood or location are you aiming for? What features do you want in your home? Without a good grip on the end goal, there can be some straying from the path of finding your first home. Additional amenities and features that would be helpful to have. Be sure to share your list with your realtor. Also, it’s beneficial for you to take copies of the list to every house inspection or showing you attend. Discover additional info at this website.

This open-air entertainment center serves as a next generation of the old Afrika Shrine built by the famous artist cum political activist Fela Kuta in 1970. It showcases some of Fela’s artwork and also serves as a sort of community center. Visit during the day and you’re sure to be greeted by many friendly and chatty locals eager to show you around. Or do like Emmanuel Macron did and come at night during one of the Shrine’s weekend concert events, which are sure to offer you a crazy night out in Lagos. For a real treat, visit Lagos during the annual Felabration festival and feel the Shrine pulse with Afrobeats. It’s located in Ikeja, which means a long drive if you’re staying in the islands, but it’s well worth it (and can be easily combined with the nearby Kalakuta Republic Museum). In my opinion, it’s one of the most fun things to do in Lagos Nigeria!

Watch Hollywood and Nollywood movies at the different cinemas in the Lagos. There’s Ozone Cinemas in Yaba, Silverbird Galleria in Victoria Island, and Filmhouse in Surulere. The malls also have cinemas in them. There is no better place to sit back and watch the latest box office movies in Lagos than these cinema houses. The Atlantic Ocean overlooks this ideal destination for fun seeking people with little money. There are horses to ride, spaces for a romantic getaway and a free Atlantic Ocean to swim around for the adventurous type. Located in a tropical rain-forest in the outskirts of Lagos, there are lots of places for picnic, kids’ playground and open grasslands for animals like bushbucks, mongooses, hogs and lots more. The lush vegetation and boulevard of coconut trees makes it perfect for a romantic stroll.

Lekki, Lagos travel attractions and real estate choices? One of Lagos’ famous landmarks is Freedom Park, a former colonial prison transformed into a park with ponds and fountains, food vendors, an open-air concert stage and a venue for art exhibitions. Some permanent displays detail the history of the location, formerly a slave trading port as well as historic prison. The park is located in the heart of Lagos Island and is one of the most popular hangout spots in Lagos, serving as a gathering place for the community. Evenings are buzzing, with live music attracting a crowd almost every night. Jhalobia Recreation Park and Gardens is one of the most serene spaces in Lagos, an immaculately landscaped, 2-acre green space featuring topiaries, sculptures, fountains, ponds and flower gardens. Various gazebos offer seating and shade.

Hi-Impact Planet offers world-class fun for the young and old, friends and families. There are games, rides and other entertaining attractions for the young and young at heart. You and your family will enjoy a good time and form magical memories. You can grab a snack or a pastry during your day of fun or enjoy full-blown intercontinental meals at the parks 3 food court. Built in 1990, Lekki conservation centre covers a land area of 78 hectares. This nature hub is run by the Nigerian conservation foundation (NCF) and If you appreciate the sight of plants and animals in their natural habitat, then this place is a must visit for you. The NCF was set aside to sustain the natural habitation of plants, and animals as urbanization began leading to the intrusion of areas meant for them. The conservation centre is located in Lekki, immediately after Chevron, before the 2nd Lekki Toll Gate.

You may not know a lot about the history of Nigeria until you take a trip to the National Museum located around the Muson Centre in Onikan. The National Museum is a destination of historical and cultural significance in the country, as it has a notable collection of Nigerian art, including statuary, carvings, archaeological, and ethnographic exhibits. Plus, this is a chance to take great selfies here if you are the picture taking type. Located at Lekki Conservation Centre Road in Lekki Peninsula, Lekki Conservation Centre is the best place to see natural savannah habitats and swamp that have wildlife activities. Read more info on Real Estate in Lekki.

Tired of the chaos of Lagos and need a bit of a break? Take a day trip to the nearby Epe Mangroves! There you’ll find a smaller Yoruba community very different than Lagos, including a fascinating fish market you can peruse. But the highlight of any daytrip from Lagos to Epe is definitely going to be taking a small boat or canoeing through the mangroves, where you’ll get a taste of Nigerian nature. Just watch out for the crocodiles! You’ll need to organize a driver for the day, but otherwise most of the tour can be arranged independently.

Charlotte, NC realtor: This is often the most thrilling part of the process. But, if you’re not careful, it can get out of hand. The best way to proceed is limit the number of homes you look at in a single day. Visiting too many homes back to back will make it difficult to remember one house from another. It’s a good idea to create a checklist of homes to look at, and check them off as you visit them. Not only is this helpful in reminding you of which homes you visited, it allows you to eliminate homes from your search more quickly. Remember, communication is crucial. Explain to your agent why you like or don’t like a particular house. The more you communicate with your agent about your preferences, the better he/she will be able to find exactly what you’re looking for.

Location is by far the most important part of buying real estate. You can change condition, you can change price, you can’t change the location of a house. If there is one thing a buyer should never sacrifice on its location. The location of a house will have the largest impact on its price, and potential future appreciation. One analogy we use to demonstrate how important location is this: If you take the least expensive home in the world, and you put it in downtown New York City, it is worth millions. If you start shopping homes for sale in all different locations you’ll never build a proper frame of reference to understand what constitutes a great deal, a good deal, and a lousy deal. You want to become an expert in a certain area so that when it comes time to make an offer, you can do so with conviction and confidence.

When you choose a professional Realtor to help sell your home, you are hiring an advertising and marketing expert with strong negotiation skills. At Grant Street Realty, we are professional realtors in Charlotte, North Carolina. We’re licensed in both states of North and South Carolinas. Our job is to know the best way to reach those buyers, make your product shine through the masses and help you arrive at an offering price that will attract the right purchaser. When we start working together to sell your property, we will develop a plan that will meet your expectations and achieve your goals. We want to make this process as smooth and informative as possible for you. Find more details on Property management in Charlotte, NC.

Overlooking FHA, VA and USDA loans. First-time buyers might be cash-strapped in this environment of rising home prices. And if you have little saved for a down payment or your credit isn’t stellar, you might have a hard time qualifying for a conventional loan. How this affects you: You might assume you have no financing options and delay your home search. What to do instead: Look into one of the three government-insured loan programs backed by the Federal Housing Administration (FHA loans), U.S. Department of Veterans Affairs (VA loans) and U.S Department of Agriculture (USDA loans). Here’s a brief overview of each: FHA loans require just 3.5 percent down with a minimum 580 credit score. FHA loans can fill the gap for borrowers who don’t have top-notch credit or little money saved up. The major drawback to these loans, though, is mandatory mortgage insurance, paid both annually and upfront at closing. VA loans are backed by the VA for eligible active-duty and veteran military service members and their spouses. These loans don’t require a down payment, but some borrowers may pay a funding fee. VA loans are offered through private lenders, and come with a cap on lender fees to keep borrowing costs affordable.

At Grant Street Realty, your Carolina realtors, when we start working together to sell or buy your property, we will develop a plan that will met your expectations and achieve your goals. We want to make this process as smooth and informative as possible for you. We help you with houses in Charlotte, NC for sale and houses in Charlotte, NC for rent. When we help you to find a new home, we start with a simple question, “Where do you want to wake up?” A home is about so much more than the number of bedrooms and bathrooms. This is where you will make memories, have friends and family over and live your life! Our goal is to focus in on what really matters most to you in a home. See more details at https://grantstreetrealty.com/.