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Migdalia
Migdalia "Miggie"
Hernandez Torres
C. (787) 431-4891
 P. (787) 486-5858
 License #: V2898
 Phone Migdalia "Miggie"
Luis Nieves Real Estate
 74 Carazo St. Guaynabo 00969

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Residential
Your own Retreat in the Caribbean, Puerto Rico! Bed: 4 Bath: 5 Price: $1,750,000

Excellent opportunity to invest on this awesome, one of a kind 4 bedroom, 5 bathroom home; in which you and your family will feel the privacy and serenity you deserve. There is space and enjoyment areas for everyone; a swimming pool with jacuzzi and gazebo, basketball court, game room and a totaly private and well equiped gym. The main bedroom features a his and hers walking closet. The main bathroom has a Ja...

Walk to Beach, Original Owner, Not subject to Appraisal Bed: 3 Bath: 2 Price: $315,000

Excellent property in a good location, within walking distance from the beach and the free trolley rides to and from the town of Aguada. It features three bedrooms and two baths, one of them in the main bedroom with Jacuzzi. The property is located on a corner lot and has an open floor layout, the kitchen cabinets are made out of cedar. All kitchen appliances are included in the sale. The porch, terrace and g...

Excellent Investment Opportunity! Assumable Mortgage! Bed: 3 Bath: 1 Price: $360,000 Optioned

Excellent opportunity to own this three (3) bedrooms, 1 bath house which is built in a large land lot of 11,178. square meters; which have fruit trees planted (bread fruit, avocados, guava, etc). The property is located on a dead-end street and very asesible. This property has an assumable VA loan at interest rate of 2.75%. To qualify, the buyer doesn't have to be a Veteran but have to apply for the loan with...

Thinking About Buying Your First Home?

Thinking about purchasing a home of your own? Keep these critical considerations in mind:

How long you plan to live in the home.
If you purchase a home and get a job transfer or decide to move after only a short time, you may end up paying money in order to sell it. The value of your home may not have appreciated enough to cover the costs that you paid to buy the home and the costs that it would take you to sell your home.

The length of time that it will take to cover those costs depends on various economic factors in the area of the home. Most parts of the country have an average of 5% appreciation per year. In this case, you should plan to stay in your home at least 3-4 years to cover buying and selling costs. If the area you buy your home in experiences an economic up turn, the length of the time to cover these costs could be shortened, and the opposite is also true.

How long the home will meet your needs.
What features do you require in a home to satisfy your lifestyle now? Five years from now? Depending on how long you plan to stay in your home, you'll need to ensure that the home has the amenities that you'll need. For example, a two-bedroom dwelling may be perfect for a young couple with no children. However, if they start a family, they could quickly outgrow the space. Therefore, they should consider a home with room to grow. Could the basement be turned into a den and extra bedrooms? Could the attic be turned into a master suite? Having an idea of what you'll need will help you find a home that will satisfy you for years to come.

Your financial health - your credit and home affordability.
Is now the right time financially for you to buy a home? Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, solid lenders are more skeptical if your credit history is not good. Generally, a couple of blemishes on a credit report will make you a good credit risk and could qualify you for the lowest interest rates. If you have more than a couple of blemishes on your report, lenders like Quicken Loans may still provide you with a loan, but you may just have to pay a higher interest rate and fees.

Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. This is a decision only you can make. Are you in a position where you expect to make more money soon? Would you rather be conservative and fairly certain that you can make your payment without stretching financially? Make sure that whatever you do, it's within your comfort zone.

To determine how much home you can afford, talk to a lender or go online and use a "home affordability" calculator. Good calculators will give you a range of what you may qualify for. Then call a lender. While some may say that the "28/36" rule applies, in today's home mortgage market, lenders are making loans customized to a particular person's situation. The "28/36" rule means that your monthly housing costs can't exceed 28 percent of your income and your total debt load can't exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential and other factors, lenders can push the ratios up to 40-60% or higher. While we're not advocating you purchase a home utilizing the higher ratios, its important for you to know your options.

Where the money for the transaction will come from.
Typically homebuyers will need some money for a down payment and closing costs. However, with today's broad range of loan options, having a lot of money saved for a down payment is not always necessary - if you can prove that you are a good financial risk to a lender. If your credit isn't stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender.

The ongoing costs of home ownership.
Maintenance, improvements, taxes and insurance are all costs that are added to a monthly house payment. If you buy a condominium, townhouse or in certain communities, a monthly homeowner's association fee might be required. If these additional costs are a concern, you can make choices to lower or avoid these fees. Be sure to make your realtor and your lender aware of your desire to limit these costs.

If you are still unsure if you should buy a home after making these considerations, you may want to consult with an accountant or financial planner to help you assess how a home purchase fits into your overall financial goals.

“A home is a house brought to life.”

Avoid The Most Common Buyer Errors
 

Shopping for a new home is an emotional experience. It’s also time consuming and  comes with a myriad of details. Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. Their home purchase turns into an expensive process. These errors generally fall into three areas:

§  Paying too much

§  Losing a dream home to another buyer

§  Buying the wrong home

When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase:

Bidding without sufficient information
What price do you offer a seller? Is the seller’s asking price too high? Is it a deal? Without research on the market and comparable homes, you could lose thousands of dollars. Before you make that offer, be sure you have researched the market. A professional realtor, can offer an unbiased opinion on the value of a home, based on market conditions, condition of the home and neighborhood. Without knowledge of the market, your offer could be too much. Or worse, you could miss out on a great buying opportunity.

Buying a mis-matched home
What do you need and want in a home? Sounds simple. Yet, clearly identifying your needs and bringing an objective view to home shopping, leaves you in a better position. Sometimes, home buyers buy a home that is too large or too small. Perhaps they didn’t consider the drive to work, the distance to school, or the many repair jobs waiting for completion. Plan ahead. Use your needs list as a guideline for every home you view.

Unclear title
Before you sign any document, be sure the property you are considering is free of all encumbrances. As part of their services, a realtor can supply you with a copy of the title to ensure there are no liens, debts, undisclosed owners, leases or easements.

Outdated survey
Before the purchase is completed, an updated survey is essential. This report will indicate boundaries and structural changes (additions to the house, a new swimming pool, neighbor’s new fence which is extending a boundary line, etc.).

Unexpected repairs
For $300 - $500 a professional inspector will conduct a thorough inspection of the home. This way, you’ll have an idea of the cost of future repairs. Make the final contract subject to a favourable report.

Shopping without pre-approval
It only takes a few days to get financing pre-approval. When you are shopping for a home, this gives you more power. A seller is more likely to consider an offer from a serious buyer.

Selling Your Home - Where Do you Begin?
A spruced up house makes a great first impression on potential buyers. It can be as simple as cleanliness that will help sell your home faster and for more.


The Right Selling Price Affects Your Bottom Line

When you’re selling your home, the price you set is a critical factor in the return you’ll receive. That’s why you need a professional evaluation from an experienced realtor. This person can provide you with an honest assessment of your home, based on several factors including:

§  Market conditions

§  Condition of your home

§  Repairs or improvements

§  Time frame

In real estate terms, market value is the price at which a particular house, in its current condition, will sell within 30 to 90 days.

If the price of your home is too high, several things could happen:

§  Limits buyers. Potential buyers may not view your home, because it would be out of their buying range.

§  Limits showings. Other salespeople may be less reluctant to view your home.

§  Used as leverage. Other realtors may use this home to sell against homes that are better priced.

§  Extended stay on the market. When a home is on the market too long, it may be perceived as defective. Buyers may wonder, “what’s wrong,” or “why hasn’t this sold?”

§  Lower price. An overpriced home, still on the market beyond the average selling time, could lead a lower selling price. To sell it, you will have to reduce the price, sometimes, several times. In the end, you’ll probably get less than if it had been properly priced at the start.

§  Wasted time and energy. A bank appraisal is most often required to finance a home.


Realtors have known it for years – Well-kept homes, properly priced in the beginning always get you the fast sale for the best price! And that’s why you need a professional to assist you in the selling of your home. 

Common Selling Mistakes


Mistake #1 -- Placing the Wrong Price on Your Property
Every seller obviously wants to get the most money for his or her product. Ironically, the best way to do this is NOT to list your product at an excessively high price! A high listing price will cause some prospective buyers to lose interest before even seeing your property. Also, it may lead other buyers to expect more than what you have to offer. As a result, overpriced properties tend to take an unusually long time to sell, and they end up being sold at a lower price.

Mistake #2 -- Mistaking Re-finance Appraisals for the Market Value
Unfortunately, a re-finance appraisal may have been stated at an untruthfully high price. Often, lenders estimate the value of your property to be higher than it actually is in order to encourage re-financing. The market value of your home could actually be lower. Your best bet is to ask your realtor for the most recent information regarding property sales in your community. This will give you an up-to-date and factually accurate estimate of your property value.

 

Want to help Sell Your House? Get Lost!

 

What is the best thing you can do during showings of your house?
Make yourself scarce.

Ever shopped in a store where the employees clearly work on commission and almost seem to lurk in the background, watching your every move, while you shop?

This scenario doesn't really put you in the buying mood, does it?
It can be uncomfortable exploring a home when you also feel like you’re being watched. Making buyers feel comfortable when looking for a home is absolutely essential. Buyers tend to have little interest in asking you questions about your property because the answers you provide will certainly be biased in some way. This is why you have hired a real estate agent to represent you and your home. Who better than a qualified professional to be the spokesperson for your home.

You carefully selected and hired a Realtor® to sell your house – now is the time to step back and let him or her do just that!

 

 

There are aspects of real estate sales that seem pretty simple. There are many elements of a smooth transaction, however, that are complicated and daunting. 

I can help you with every aspect of buying or selling your home because I’m experienced, because I’m professional . . .and because I care. 

I'm an outgoing person that likes to meet new people.  I'm very approachable and like to help others as needed.  I enjoy bird watching, gardening, reading, playing with my dogs and walking on the beach.  I know what I want in life, set goals and try hard to meet them. For the last 25 years my hometown has been Aguada, my birth town.  

I have a great family, composed of four generations: children, grandchildren and great grandchildren.  They are my #1 priority in life.  They are the force that drive me to strive in anything I wish to accomplish.  That's why I always do my best and go the extra mile to make them proud of who I am.  I'm the leader of the pack, so I lead by example.  Personally, I feel accomplished, have a loving companion with whom I share the good and not so good moments in life, my extended family and close friends.  I thank God every day for such a wonderful gift.

As far as my job in Real Estate is something that I love to do.  I'm a people's person, committed to help you achieve your goal in all your Real Estate needs.  If you are planning to buy, sell or rent in the West Region of Puerto Rico feel free to call or email me.  Working together as a team, we could achieve the results you are looking for. 

My Qualifications:

Diploma in Computer Operations, (E. Hartford, CT.) Worked 15 years at the Information Management (IM) Department for The Hartford Personal Lines Insurance, in the State of Connecticut that handles the AARP Auto and Homeowners Insurance account. As a Team Leader, I was responsible for interviewing, hiring, firing, training, coaching and performance reviews of my team members. Also responsible for all the Personal Computers hardware equipment installations, maintenance and project support. Our Team #1 goal was to provide a service of excellence, taking into consideration our customers needs. Customer satisfaction was measured via surveys and were always above 90% satisfaction. I always give 100% or more and go the extra mile if needed to.

Some of my strenghs are that I'm very persistent, loyal, have courage, timely responsiveness, good communications skills (English and Spanish, written and verbal) and very strong moral standards. I also have Customer Relations skills, experience and the "know how" in the Real Estate Market.

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