Harry Baxter's Blog

Posted on 04/05/2021

Image by David Pereiras from Shutterstock Your FICO score is a key factor used to determine if you qualify for a mortgage. The Fair Isaac Corporation (FICO) is the creator of the most common credit score used by home loan providers. The algorithm used to create your score is a closely-guarded industry secret. But in general, it factors...

Credit Score

FICO Score

+ 2 more

Posted on 03/29/2021

How to Use Points to Your Benefit

Photo by Precondo via Pixabay Some mortgage companies offer loans with points. In a nutshell, paying points means paying down the interest rate. One point is equal to 1 percent of the mortgage amount. On a $200,000 mortgage, one point is $2,000. The percentage the interest rate lowers depends on the mortgage company and the market. For example,...

Posted on 03/22/2021

4 Easy Ways to Transform the Lighting in Your Home

Photo by James DeMers via Pixabay In most homes, the base lighting is drab and dull, often doing little to light up your life. Thankfully, it is quite easy to transform the lighting in your home and create the perfect atmosphere for your everyday activities. All you have to do is follow these four tips and watch as...

Posted on 03/15/2021

Luxury Homes: Five Extreme Features

Photo by Tom Pottiger on Unsplash As home technology becomes more advanced and affordable, the extreme features of yesterday's luxury homes are becoming more and more standard. Here's an assembled a top-five features in today's luxury homes that will still take your breath away. Some are tech-based, others are designed more with ultimate homeowner comfort in mind. Regardless,...

Posted on 03/08/2021

Tips for Qualifying for a Conventional Loan

Photo by Evan Dvorkin on Unsplash A conventional loan is the most common type of mortgage used to secure a home purchase. Conventional loans are backed by private lenders and typically conform to the standards established by Fannie Mae and Freddie Mac. In order to qualify for a conventional loan, you must meet several specific requirements. 1. Debt-to-income...

Conventional Mortgage

Home Loan

+ 1 more

Posted on 03/01/2021

Avoid a Complex Homebuying Journey

For those who want to enjoy a seamless homebuying experience, it helps to prepare accordingly. That way, you will be ready to identify and address any hurdles that come your way during the homebuying journey. Ultimately, there are lots of things you can do to avoid a complex homebuying journey, such as: 1. Establish Homebuying Criteria If you enter...

Buying A Home

Buyer Tips

Posted on 02/22/2021

Will Climate Change Impact Real Estate Values?

Image by Gerd Altmann from Pixabay Natural disasters including flooding, hurricanes, mudslides and wildfires affect real estate values. Some recent examples of real estate transactions being influenced by these increasingly intense and frequent events include: A Charleston, South Carolina, homeowner deciding to demolish her house after three years of flooding caused by hurricanes that led to 11 failed...

Posted on 02/15/2021

Are You Ready to Hire a House Inspector?

If a seller accepts your offer to purchase his or her residence, it now may be time to schedule a house inspection. And if you have an expert home inspector at your side, you can get the information you need to determine whether to proceed with a house purchase. Ultimately, there are several factors to consider as you evaluate...

Home Inspection

How To Choose A Home Inspector Home Inspections

Posted on 03/15/2021

Another Property Sold - 400 Alton Rd #409, Miami Beach, FL 33139

Enjoy the sophisticated South Beach lifestyle in one of the best building ins South Beach, 2 Bed 2 Baths split plan, Marble floors throughout, resort-style condo, many amenities, lowest price on the building for a 2...

Posted on 02/25/2021

Another Property Sold - 1117 Euclid Ave #101, Miami Beach, FL 33139

Beautiful fully renovated turn key apartment, bright corner unit, immersed in a tropical garden, newly renovated 2 bed/2bath, with PARKING, new appliances, new A/C, with washer and drier, 1 block from Flamingo Park (tennis courts, recreation area including baseball, basketball, lap and kids swimming pools), 4 blocks from the beach and close to Lincoln Road. Surrounded by restaurants and shops, you are within walking distance of everything you need while on a very quiet...

Posted on 02/24/2021

1011 Euclid Ave, Miami Beach, FL 33139 now has a new price of $3,050,000!

Mid Century masterpiece. Prime South Beach location 4 blocks to the beach. Major renovations completed in the past year include new hurricane impact windows and doors, new railings on balconies, stairways and walkways. Newly refurbished parking area. New landscaping. 2 completely upgraded units w/central air & W/D. 2 other units partially upgraded. Upside potential if buyer chooses to upgrade other 8 units. Six one bedroom and six studio units. Laundry on site. New wood plank overhangs with LED lighting. New exterior flooring for walkways. All work done using superior quality materials and workmanship. 100% occupied with long term...

Posted on 02/24/2021

1011 Euclid Ave, Miami Beach, FL 33139 now has a new price of $3,050,000!

Mid Century masterpiece. Prime South Beach location 4 blocks to the beach. Major renovations completed in the past year include new hurricane impact windows and doors, new railings on balconies, stairways and walkways. Newly refurbished parking area. New landscaping. 2 completely upgraded units w/central air & W/D. 2 other units partially upgraded. Upside potential if buyer chooses to upgrade other 8 units. Six one bedroom and six studio units. Laundry on site. New wood plank overhangs with LED lighting. New exterior flooring for walkways. All work done using superior quality materials and workmanship. 100% occupied with long term...