Sunny Isles Beach, Florida
Sunny Isles Beach is a city in Miami-Dade County, Florida, United States. The population was 15,315 at the 2000 census. As of 2004, the population recorded by the U.S. Census Bureau is 15,399.
Sunny Isles Beach is a major center of South Florida's Russian community, with a plethora of Russian stores lining Collins Avenue, the main thoroughfare through the city. The city is sometimes referred to as Little Moscow because of its many Russian and Russian-descended (Russian American) residents. It is a booming resort area and developers such as Donald Trump have invested heavily in construction of high-rise hotels and condominiums.
(Source: Wikipedia, the free encyclopedia)
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Katerina D. Brosda, Realtor®
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Top Local Real Estate Expert!
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Broker
Brosda & Bentley Realtors™
20900 NE 30th Avenue
Eighth Floor
Aventura, FL 33180
PH: (786) 406-1757
FX: (786) 363-8552
Sunny Isles Beach Broker in Miami Broker
Please use the following form to receive real estate information and to be placed on our VIP mailing list.
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| Brosda & Bentley in Aventura |
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Join the Team
Brosda & Bentley Realtors™ is a full service, boutique real estate company specializing in Residential, Commercial, Pre-construction, Land, Investment and Relocation. We do maintain a Short Sales and Foreclosure Affiliate Department. Brosda & Bentley Realtors™ would like to roll out the welcome mat for new real estate sales and broker associates in our Aventura state-of-the-art real estate office.
It takes more than drive and determination to become a successful real estate agent. It takes support, too. The right support, right when YOU need it—the kinds of 21st century support you’ll only find at Brosda & Bentley Realtors™.
If you are a seasoned real estate professional, with a successful track record in real estate sales in the Miami area and or abroad, we would really love to hear from you and explore the options!
Ideally, you are a smart, enthusiastic, friendly, ambitious sales or broker associate, driven by superior skills in negotiating and client relations with an exemplary reputation in ethics and education, dedicated to setting the highest standard for professional excellence in real estate.
We are innovative, extremely supportive, provide continued education and work internationally. We also provide the LEADS; yes we are not just another Real Estate company looking to recruit. We have business for you, what we are looking for are Realtors that come with passion for their careers.
Add instant prestige to your resume - around the globe - and sending us your resume or calling us will probably be one of the best decisions you’ll ever make in your Real Estate Career.
To learn more, please contact us or to schedule an appointment by calling (786) 406-1757.
Looking forward to hearing from you.
Brosda & Bentley Realtors™
Katerina Brosda, Broker
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Improve Your Purchasing Power: Pre-Qualify or Get Pre-Approved at MiamiJustListed.com
You can improve your purchasing power when looking for a house or condo by making sure you are prequalified or pre-approved by a mortgage lender. Prequalification:
- A mortgage lender will evaluate a potential homebuyer's credit report plus earnings, savings and debt information to get an estimate of the mortgage amount the borrower would qualify for. This is based on documentation the borrower has in hand, or what the borrower tells the lender. The review can take as little as a few hours or as long as a few days.
- Prequalification is free at our offices.
- For an estimate of buying potential, please make an appointment at our offices or email.
Pre-approval:
- This process goes a step further than prequalifying. Pre-approval means the lender has contacted the borrower's employer, bank and other places to verify all claims of earnings and assets. In return, the borrower receives a letter stating that he has mortgage approval for a certain amount.
- Since you already qualify for financing, pre-approval can speed up and improve your chances of reaching an agreement on the purchase price with the seller.
- The only cost for pre-approval may be the lender's cost of obtaining your credit report.
Once you and the seller agree on a price, you both will sign a sale contract, which will spell out conditions each party must meet for the sale to go through. A closing of the sale generally hinges on both the buyer's ability to obtain the mortgage loan and the seller's completion of some potential home repairs.
Tip
Remember if any of your financial circumstances change before closing on the sale of the home, you must contact the lender. The loan prequalification or pre-approval may no longer be valid.
Mortgage Experts say you will typically spend about a third of your income on financing your home. Before you start to look for your dream house or condo, you should figure out just how much of that dream you can afford. Mortgage lenders look at your ability to repay the mortgage loan by reviewing:
- Your credit history
- Your monthly gross income
- How much cash you can accumulate for a down payment, which is usually 10 percent to 20 percent of the sale price.
For details on checking your credit history, click on one of the links provided below or email.Home-Buying Tip
Planning is the key to a successful home purchase in today's market, where interest rates are low, but real estate prices are high. General Guidelines
You can easily determine how much house or condo you can afford by following a few general guidelines:
- Your monthly mortgage payment -- including principal, interest, real estate taxes and homeowners insurance -- should not be more than 28 percent of your gross monthly income (before taxes). This is your housing expense ratio.
- Your total monthly debt obligation should not be more than 36 percent of your gross income. Total debt includes the mortgage payment plus other obligations such as car loans, child support and alimony, credit card bills, student loans, condominium association fees. (Note: Government and certain other lenders may be more lenient.) This is your debt-to-income ratio.
Example
Let's take a homebuyer who makes $40,000 a year. The maximum amount of money available for a monthly mortgage payment at 28 percent of gross income would be $933. However, the lender says the total debt payments each month should not exceed 36 percent, which comes to $1,200. The following chart may help you see what is your maximum monthly debt loan based on your annual gross salary:
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Gross income
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28% of monthly
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36% of monthly
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$20,000
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$467
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$600
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$30,000
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$700
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$900
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$40,000
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$933
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$1,200
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$50,000
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$1,167
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$1,500
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$60,000
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$1,400
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$1,800
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$80,000
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$1,867
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$2,400
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$100,000
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$2,333
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$3,000
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$150,000
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$3,500
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$4,500
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Taxes and Insurance
There are a few other considerations to compute when deciding how much home you can afford:
- Real estate taxes -- Since taxes are part of your monthly mortgage payment, it is important to get an estimate of the property taxes in the area where you want to look for a home. You can ask our offices any time for such information, simply email.
- Homeowner's insurance -- You must insure your property in order to obtain a mortgage. You can get an estimate of insurance costs from your insurance agent or a major insurance company in the area where you are house or condo hunting. Be sure to inquire about special requirements for hazard insurance, such as mandatory coverage for floods, earthquakes, or windstorms in coastal areas. If you put down less than 20 percent of your home's value, you also will have to pay private mortgage insurance (PMI).
We hope this information has been helpful to you. Please feel free to contact us with any additional questions or concerns you may have. We are looking forward to provide you with excellent real estate service. Following are some additional tips for sellers and buyers alike:
5 Things to Do Before You Sell
1. Get estimates from a reliable repairperson on items that need to be replaced soon, a roof or worn carpeting, for example. In this way, buyers will have a better sense of how much these needed repairs will affect their costs.
2. Have a termite inspection to prove to buyers that the property is not infested.
3. Get a pre-sale home inspection so you'll be able to make repairs before buyers become concerned and cancel a contract.
4. Gather together warranties and guarantees on the furnace, appliances, and other items that will remain with the house.
5. Fill out a disclosure form provided by your sales associate. Take the time to be sure that you don't forget problems, however minor, that might create liability for you after the sale.
10 Things to Take the Trauma Out of Homebuying
1. Find a real estate agent that's simpatico. Homebuying is not only a big financial commitment, but also an emotional one. It's critical that the agent you chose is both skilled and a good fit with your personality.
2. Remember, there's no "right" time to buy, any more than there's a right time to sell. If you find a home now, don't try to second-guess the interest rates or the housing market by waiting. Changes don't usually occur fast enough to make that much difference in price, and a good home won't stay on the market long.
3. Don't ask for too many opinions. It's natural to want reassurance for such a big decision, but too many ideas will make it much harder to make a decision.
4. Accept that no house is ever perfect. Focus in on the things that are most important to you and let the minor ones go.
5. Don't try to be a killer negotiator. Negotiation is definitely a part of the real estate process, but trying to "win" by getting an extra-low price may lose you the home you love.
6. Remember your home doesn't exist in a vacuum. Don't get so caught up in the physical aspects of the house itself—room size, kitchen—that you forget such issues as amenities, noise level, etc., that have a big impact on what it's like to live in your new home.
7. Don't wait until you've found a home and made an offer to get approved for a mortgage, investigate insurance availability, and consider a schedule for moving. Presenting an offer contingent on a lot of unresolved issues will make your bid much less attractive to sellers.
8. Factor in maintenance and repair costs in your post-home buying budget. Even if you buy a new home, there will be some costs. Don't leave yourself short and let your home deteriorate.
9. Accept that a little buyer's remorse is inevitable and will probably pass. Buying a home, especially for the first time, is a big commitment, but it also yields big benefits.
10. Choose a home first because you love it; then think about appreciation. While U.S. homes have appreciated an average of 5.4 percent annually over from 1998 to 2002, a home's most important role is as a comfortable, safe place to live.
What Not to Overlook on a Final Walk-Through
Be sure that:
- repairs you've requested have been made. Obtain copies of paid bills and any related warranties.
- all items that were included in the sale price—draperies, lighting fixtures—are still there.
- screens and storm windows are in place or stored.
- all appliances are operating.
- intercom, doorbell, and alarm are operational.
- hot water heater is working.
- HVAC is working.
- no plants or shrubs have been removed from the yard.
- garage door opener and other remotes are available.
- instruction books and warranties on appliances and fixtures are there.
- all personal items of the sellers and all debris have been removed.
5 Reasons You Need a Real Estate Agent
1. A real estate transaction is complicated. In most cases, buying or selling a home requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page government-mandated settlement statements. A knowledgeable guide through this complexity can help you avoid delays or costly mistakes.
2. Selling or buying a home is time consuming. Even in a strong market, homes in our area stay on the market for an average of 78 days. And it usually takes another 60 days or so for the transaction to close after an offer is accepted.
3. Real estate has its own language. If you don't know a CMA from a PUD, you can understand why it's important to work with someone who speaks that language.
4. REALTORS® have done it before. Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you've done it before, laws and regulations change. That's why having an expert on your side is critical.
5. REALTORS® provide objectivity. Since a home often symbolizes family, rest, and security, not just four walls and roof, home selling or buying is often a very emotional undertaking. And for most people, a home is the biggest purchase they'll every make. Having a concerned, but objective, third party helps you keep focused on both the business and emotional issues most important to you.
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ORAL REPRESENTATIONS CANNOT BE RELIED UPON AS CORRECTLY STATING THE REPRESENTATIONS OF THE DEVELOPER. FOR CORRECT REPRESENTATIONS, REFERENCE SHOULD BE MADE TO THE DOCUMENTS REQUIRED BY SECTION 718.503 FLORIDA STATUTES, TO BE FURNISHED BY A DEVELOPER TO A BUYER OR LESSEE. This offering is made only by the prospectus for the condominium and no statement should be relied upon if not made in the prospectus. This is not an offer to sell, or solicitation of offers to buy, the condominium units in states where such an offer or solicitation cannot be made. Prices, plans, incentive and specifications are subject to change without notice. Equal housing opportunity! © 2009 All rights reserved!
Copyright © 2009 MiamiJustListed.com™ This site is protected by copyright © and trademark™ laws under U.S. and international law. All Rights Reserved. No part of this website may be copied, printed, duplicated or reproduced in any way, shape or form without the explicit written consent of MiamiJustListed.com™. Equal Housing Opportunity. Disclaimer: Nothing on these pages is to be interpreted as legal, accounting, tax, banking, or investment advice. Anyone seeking such advice should consult a properly qualified and accredited professional. Information appearing on this site has been produced by or obtained primarily from the MLS and its representatives and from the NAR. MiamiJustListed.com is not responsible for the accuracy or completeness of the broker information, sales associate information, listing information or other information provided and appearing on or through this site. Such information has been provided by independent third parties who are solely responsible for such content. Certain conditions and restrictions apply to System promotions. Buyers, sellers and renters of real estate should always consult the definitive purchase agreement, contract, condo documents and applicable local and state laws for accurate information. Oral representations should not be considered valid.
*Information and data is believed accurate, but is not warranted and subject to errors, omissions or revisions*
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