College Grads – Consider A Future In Real Estate!

If you’re approaching the end of you college career, you may be starting to consider some potential options for employment. Since the current job market isn’t the best, so many students are getting their degrees only to go back to working in a position like serving tables.

Unless graduates move onto either a masters or doctorate program in a more specialized field, competition for undergraduates is becoming fiercer than ever. In addition, many students struggle with finding direction or a career that they can be passionate about.

Whether you are on the way to earning your diploma or want to begin your professional career, becoming a Realtor could be the answer you are looking for. Let’s review some of the top benefits to earning your license as a real estate professional:

1. Total Freedom – One of the main reasons that people start a career in real estate is the flexibility it offers. If you are a highly motivated, self starter than you could have what it takes to be successful in real estate. It is a perfect path for those who have an entrepreneurial spirit.

First, you have the ability to set your own hours. You can work as long as you like and when the time comes to take a vacation with the family, you won’t have to push through all the red tape only to be denied by HR.

Next, this isn’t a restricted desk job either. If you choose to work from home or from your mobile office, you won’t have the requirement of checking in everyday. In essence, you are your own boss and you get to call the shots!

2. Perfect for Tech Savvy Individuals – If you are under the age of 30 and own a mobile phone, ipod, personal computer, etc., then you have what it takes to crush it in real estate. This is where the future of real estate marketing is headed.

It is estimated that nearly 90% of people start their search for real estate online. There are so many ways to apply your skills using mobile technology, affiliate marketing, blogging, social networking, etc., that gives you a distinct advantage over many “old school” professionals who have adapted to traditional methods.

You can bypass the entire learning curve of implementing these concepts to promote your business, make contacts with professionals and potential customers, and quickly become a big player in your local market.

3. High Earning Potential – What you are able to put into a real estate career is exactly what you’ll get out of it. Instead of working for a set paycheck, you can determine to double or even triple what most students are earning on average today within a short time period. That’s the beauty of commissions.

Additionally, since you probably have very few debts or family responsibilities holding you down, you will have ample time to establish yourself as a well known authority in the area. Overtime, many of your efforts can be set to autopilot as you build up referral sources and establish solid marketing avenues.

You will gain a strong feel of what percentage of prospects and contracts it will take to earn a commission. And there are dozens of niches you can become a specialist in, which can lead to even bigger paydays.

4. Working With People – If you like talking with and meeting new people, then this is one of the best careers available to you. Not only will you have the pleasure of working with others on a daily basis, but you will also be able to meet some highly influential people in other verticals.

It pays to have friends in high places, and simply by investing time in helping others will provide you the opportunity to build a powerful professional network. You will also be able to fine tune your people skills and learn others that are so valuable to succeeding in the real world.

5. Learn How To Buy/Sell/Invest – Regardless of what is happening in the economy, real estate is one of the top proven strategies for building wealth and a retirement fund. Did you know that many Realtors also invest in their own properties as well?

You will be able to acquire invaluable skills that will teach you all about the buying and selling process. Additionally, you will attain a working knowledge for your local area and will know where and what the best deals are. Working as an agent is a fast track to succeeding with real estate investments as well!

Thus, there are unlimited possibilities for personal growth and success as a real estate professional. If you have been feeling frustrated or unsure what your next step is after college, then it may be time to invest in your future as a licensed Realtor.

We are here to support you throughout this process and to get you started on building a promising future. It is out desire that you realize your full potential. Contact us @ 813-863-5917 right now using the information provided above to discover what possibilities are available to you!

When The Kids Have Moved Away It’s Time To Play

Empty Nest Rejoice

“We’re not getting any younger honey!” Have you heard this one before? You may be getting to that age now where the kids are either close to finishing college, finding full time jobs and picking up a sweet rental, or finally tying the knot. There may still be one 20 something year old lingering around for longer than expected, and you haven’t fully achieved “empty nest” syndrome yet, but the time is coming soon.
So what do you intend on doing with all this new found time, space and energy? Chances are you don’t plan on just staring at each other longer than you have in decades, so there must be another solution. It’s time to get back to living on the edge and taking a few calculated risks. Maybe what you need is a little adventure!
Is there something that you have been aiming to do forever, but with the kids, mortgage and other heaping responsibilities, these goals turned more into faded dreams than a reality? Perhaps we can help offer some insight and direction. Believe us, we have worked with many clients in the past who have faced the same choices that you may be dealing with now.
Whether that involves taking a 3 month long European vacation, visiting family across the country, buying that boat and spending your time out at sea, or investing your time serving orphans in Africa, one thing that may be crossing your mind is what you plan to do with your oversized house for two.
For most reading this, we would presume that you either have a majority of your mortgage paid off or at least some retirement savings stashed up that will provide you the flexibility to sell and downsize into a more modest living space. With that extra income, you will now be able to finally experience those long anticipated dreams.
Maybe this looks like taking a leap and moving into a high-rise condominium in the big city. Or perhaps you would rather pick up something a little more tranquil out in the country. Others may be interested in building up a small rental portfolio and not being tied down to any one location. And there are plenty of luxurious 50+ retirement communities that offer mindboggling amenities.
The options could seem overwhelming, so we’re here to serve you along the way. We understand the hesitation and concerns that can arise when making such a big decision, after living in a residence for 20+ years. These feelings are normal.
Whether you would like to schedule an appointment to discuss possible options with your current home or need assistance in planning for your future move, we encourage you to contact us using the information provided above. Consider us to be your trusted advisors as you begin mapping out your next steps. We look forward to helping you achieve your dreams!

Bill Engvall – Empty Nest (Funny)

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Bill Engvall – Empty Nest
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Multifamily Units for First Time Home Buyers

Multiunit Homes in Tampa

If you’re getting ready to purchase your first home, you may
want to consider the advantages of leveraging your money through the use of a
multifamily property.  This can be
especially appealing to young families just getting started out or busy
couples/singles on the go.  So let’s
review some of the top benefits of multifamily investing:

First, by purchasing a 3 or 4+ unit within a desirable area,
you will immediately start reaping the benefits of home ownership and
collecting strong investment income.  By
finding reliable tenants, you will be able to cover up to a half or more of
your mortgage payments.

And you will be consistently paying down principle and
building up great equity.  When the time
comes to upgrade to a different property, the consistent income from you
multi-unit home will help to cover a portion of your new mortgage, plus you
will already be on the path to building your investment portfolio.

Additionally, instead of driving across town to keep up with
maintenance and tenant issues, you will essentially be your own on property
manager.  This makes it infinitely easier
when trying to collect rent or conduct showings, and you don’t need to pay
another party to keep up with your home.

Next, in today’s market, cash flow is of the utmost
importance.  Nothing is worse for a new
investor then when the property goes vacant for months.  With a multifamily unit, you can alleviate
the fear of being stuck with the full amount of mortgage payments, because
typically your home should be at least 50% occupied.

Finally, you will be learning the ins and outs to one of the
most effective investment strategies available.
Purchasing your first multi unit will teach you all about how to buy,
repair homes, market your property to tenants, collect rent, and how to invest
your income into future properties.

Therefore, it is worth considering a multifamily home for
your first purchase.  Before choosing an area
to live in and searching for a property that fits your needs, it will be to
your advantage to consult an experienced Realtor within you local area that can
give you professional guidance.

Contact us today @ 813-863-5917 to start learning more about
the opportunities available to you and to discover where you can make a wise
investment for your financial future!

What To Be Aware Of When Shopping For A Mortgage

 Shopping for a mortgage is one of the most important steps involved in purchasing your next home. Since the terms and conditions that you agree to will impact your financial future for years to come, it is vital that you take the necessary time to research and compare the best packages available to you.
Many buyers tend to primarily focus on obtaining the best interest rates; and though this is an extremely important piece, there are a host of other factors to consider. Therefore, let’s discuss some of the other criteria that should be reviewed before signing on the dotted line.
First of all, please be wary of only searching for rates and quotes online. Although there are very reputable companies that can be found using an internet based search, it is wise to also spend time working with local companies and banks that are familiar with the current market. This is a very detailed process, so you should not base your decision on simply one or two sources.
As you have seen from the recent mortgage industry scare, it is typically best to invest in a fixed rate loan. With adjustable rate mortgages, you could be stuck paying higher amounts of interest and maybe even eventually owe more on the loan than the house is worth. Be sure to review this with your mortgage professional before making any final decisions.
Next, along with attractive interest rates may also come additional fees and terms. Be careful that you fully understand what you are signing up for before choosing your mortgage. Although the rates may look somewhat favorable, here is a list of some things to be aware of:

  • Processing Fees—Items such as processing and underwriting fees could be added to the cost of the loan as well. Although you typically will have to pay a few hundred dollars for the application fee, there are other extras that may be attached as an added expense.
  • Private Mortgage Insurance (PMI)—In order for lenders to protect their own interests, buyers will be required to pay for PMI on a loan until they have built up 20% equity in the home. These fees are calculated based on a person’s credit score.
  • Appraisals—It is becoming more common for lenders to charge this fee upfront before an appraisal is conducted. Unfortunately, you will end up paying for this regardless of whether or not it gives you the evaluation necessary to obtain the loan.
  • Points—Each point equals 1% of the actual loan amount. Many buyers can elect to choose a plan that charges points so that they can acquire a lower interest rate. Lenders will typically charge anywhere from 1-3 points (or even more), and these will be charged as a fee at closing. Whether or not you should choose a plan with points will be dependent on your available cash and how long you plan on staying in the home.

This is just a sampling of what may be included with your mortgage. It is best to find out up front exactly what you will be responsible for with all additional fees included. As long as you are working with a reputable company, you should get a good feel of what will be expected at closing.

Be sure to avoid working with any parties that seem to make unfulfilled promises, suddenly change the terms at closing, ask for more information than is necessary to process the loan, or overall make this an uncomfortable process for you.

There are more than enough resources available to you to obtain a loan that will suit your needs. Additionally, we would be happy to provide any additional referrals and feedback so that you can get set out on the right foot. Please contact us right away for more information on how to get started!

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