Find the Best Realtors in Clearwater, Fl | Realtor Siri

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If you’re retired and coping with expenses on a fixed income then a reverse mortgage may be tempting.But looking up closely reverse mortgages may be less appealing.Apart from a number of reverse mortgage scams, lenders too can charge high fees and closing costs, and you might need to pay for mortgage insurance.They also come with variable interest rates nullifying the idea of saving in long run.It is ideal to understand the risks and rewards associated with a reverse mortgage so you can make a better-informed decision.WHAT IS A REVERSE MORTGAGE?Reverse mortgages are only available on primary residences and for people over the age of 62, and available to homeowners who have paid of all or most of their mortgage and can tap into their home equity the loan comes as lump sums or lines of credit that can be accessed when the need arises.The interest accrues on a monthly basis, and the loan need not be paid off until the homeowner moves out or passes away.The accrued interest is added to the loan balance and the amount compounds every month.If the homeowner moves out they need to close out the loan within one year.

If the borrower dies, the heir must pay back the loan.THE ADVANTAGES A homeowner instead of downsizing after retirement can use a reverse mortgage and stay in their home.If there is an existing mortgage then the loan proceeds can be used to totally pay off, and free up funds for living expenses.Borrowers don’t have to make payments until they decide to move out of the house or die.Money obtained through a reverse mortgage is not treated as income and hence is not taxable.If the value of the home drops below the reverse mortgage balance, then the heirs only need to pay the value and not the full outstanding balance.For a reverse mortgage, the homeowner does not need to provide income or credit requirements.THE DISADVANTAGES There are many scams that prey on seniors in need of cash to cover living expenses.It attracts additional costs, like origination fees and mortgage insurance of up to 2.5% of the home’s appraised value.The interest rates are variable, so they can increase leading to an escalation in the cost of borrowing.Because interest accrues on an increasing loan balance instead of the loan being paid down over time the borrowers owe more.Interest payments on reverse mortgages aren’t tax-deductible.The equity in your home gets reduced and, your family’s inheritance from your estate reduces.Borrowers are required to meet strict home maintenance so as to protect the resale value of the real estate.If the homeowner fails to sustain any of the loan terms like missing a property tax payment, or not maintaining the home well, then they may have to pay off the mortgage early.Failure to observe the terms of a reverse mortgage can result in default and even foreclosure.Need-based retirement income like Medicaid and Supplemental Security Income (SSI) could get impacted.OTHER MORTGAGE OPTIONSIf you need access to cash, you can consider other alternatives like refinancing your mortgage, taking out a home equity loan, downsize your home, cash-out mortgage refinance, or HELOC.Reference Source: Forbeshttps://www.compareclosing.com/mortgagenews/is-reverse-mortgage-right-for-you/

If you are you looking for the top real estate agents in Brandon then your search ends at us.

Realtor Siri is one of the best realtors in Brandon Fl.

We assure you of providing world-class dealing and experience.

To book an appointment call us on +1 (813) 943 7835.

They have opposing intents.The buyer wants to purchase the property at the lowest price feasible while the seller wants a top dollar over the similar.Meanwhile, both parties can advantage by utilizing the services of an agent from a real estate company.Best Realtor Mendocino Coast Properties is a qualified expert who acts as a spokesperson between sellers plus buyers in housing deals.

These agents are remunerated by a commission earned when a deal is conserved between the buyer as well as the seller.That being said, here are the top advantages that you will enjoy by hiring Mendocino Realtors:They Have ExperienceWhether it is your first time or not, purchasing or else selling a house can be a daunting task.

This will hold you back from being deceived or underselling your home.Finding the Best Available HousesAn Experienced Mendocino Real Estate agent is likely to be aware of accessible houses even if they are not advertised.

Hence, they can discover you a home that finest suits your preferences.The agents have simple physical access to properties scheduled by other agents.

They are also conscious of the arrangements that are needed to convene the client’s preferences and criterion to make sure a deal is sealed.The agent will do all the tasks included to make sure an agreement between the purchaser as well as the seller is reached.

These chores include communication, coordination, making meetings, plus overseeing the documentation to make sure the process runs flawlessly.Negotiating the Sales and Contract TermsIt is the wish of any purchaser or seller to obtain terms that will favor them.

Facebook presents a massive opportunity for real estate agents and brokers to generate leads.

While its promise of great ROI can be exciting, it isn’t exactly a walk in the park.For those new to real estate Facebook ads, launching a Facebook campaign can be as challenging as selling a house to someone who’s not in your target market.Lucky for you, though, we’re here to help you gain the right knowledge in getting your ads up and running!What is Facebook Advertising and How Can It Help Your Real Estate Business?

Gone are the days of door-to-door campaigns, cheesy jingles on the radio, or scanning through directories.

It means you get a higher chance of targeting a specific audience on Facebook than on any other platform, and even more so when you consider the impact of real estate advertising VS traditional real estate marketing.When done correctly, real estate agents can generate and convert more leads through Facebook ads with minimal effort and a smaller budget.Since Facebook is a visually-oriented platform, it’s easy to pique the buyers’ interest just by seeing photos of a home.

All you have to do is use them to your advantage, especially the following:Target by Zipcode (for instance: targeting zip codes where your recent customers are moving from)Target the Age Ranges Who Are Most Likely To BuyTarget By IncomeTarget Individuals Who Are Likely To Move (Check out Residential Profiles under Behaviors)Target Lookalikes of Previous Customers (Do this by uploading a list of past customers and let Facebook do the rest)Leverage the Power of Video MarketingForget about how cumbersome creating and editing videos can be.

Whether it is a 3D tour or behind-the-scenes footage of your site visit, your customers will pay more attention to your ads because of the solid feeling they get through videos.Make Use of the Carousel Ad FeatureWhen looking for a product, especially a home, you would want to see every corner of the house, right?

We are a top-rated real estate app development company that offers mobile solutions for the real estate industry.

This app will enable Realtors, Builders, Aggregators, etc.

to facilitate easy buying, selling, and renting of properties.