OK, so you've decided you want to sell your home and move.  Putting your home on the market with a fantasy price so you can cash in is not worth the time and effort.  You will probably find someone to take the listing. The person is either inexperienced or is using the listing to build traffic and calls for their business.  If they do not realize your home is overpriced, what other skills are they lacking.  If they are using you, do you really think they will give you 100%.  If you do list at an inflated price, chances are you will have few showings and those that do look will tell you the same thing it is too expensive.

• Fact, it is not important what you paid.
• Fact, how much you spent on upgrades does not matter.
• Fact, the value in the past is the past, not today.
• Fact, you do not need to price the home so someone can negotiate.

If you want to sell in today's market, START WITH A CLEAN SLATE.  Use a site such as Zillow and search for SOLD HOMES in the last 6 months in your area.  Print out a couple and compare to your home.  Visit any new home builder communities in your area and see what they sell for.  New Homes generally sell for 30% more than resales in given area.  Use the information to decide where your should be priced.
Now that you have your price, the next step is to find an agent that agrees with the market.  Easier said then done.  Many agents will ask you what you want to list at.  Turn it around on them, they are the experts.  Ask them their opinion of a fair selling price.  Any good agent that comes to see you will already have completed a Comparative Market Analysis (CMA).  It may change a little after they see your home, but they should have done their homework and have a complete presentation for you. Use the CMAs when your compare agents.  That along with other materials they provide to you will help you separate the professionals from the rest of the pack. 
If you would like more information or need a complimentary home evaluation and CMA drop me a line at howard@voginteam.com or go to our web site and check out the Seller's Resources Section.
The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Making Changes - Do I need a Building Permit???

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Thinking of making some home improvement, changing your windows, doors, putting on an addition there are many reasons to obtain to a building permit and no reason not to obtain one.  Be smart, do your homework-call your local building department and see if you need a permit before you contact anyone for a bid.  Become an educated consumer and don't let the contractor tell you what is and is not legal.Don't believe your friendly contractor who tells says "You do not need a permit, I can save you some money if we do it without a permit" What he is actually saying I may cut some corners, use unapproved materials or unlicensed workers, but that does matter, in the end If I Finish it will look pretty, and that is all that counts. 
What looks like a saving in the short run could end up actually costing you in the future for several reasons:

• If you add square footage to your home and it is not recorded by your local property appraiser some lenders will not recognize the space and it will make it harder to finance for any potential future buyers.  Some lenders will not lend on a property regardless of the value if there was not final inspection on the work and so you might need to make changes or take it down to close the deal
• Your insurance carrier may have a problem if a fire occurs in your home and they can attribute it back to the work.  They will more than likely deny the claim and not pay for damages.
• If the local building authority does find the work, they could act in several different ways. They may ask you to file for permits and prove the work was done correctly, which may involve some opening of walls and paying some fines.  They could also just force you to remove all of the illegal work.  That would be a big waste
• You have to ask yourself why a contractor would not want to get a permit.  If they are good at what they do, they know the code and know how to do things correctly.  If they want to skip the small step of permitting, what else are they skipping?  Are they doing it correctly, do they have a license, do they have insurance, will they finish the job - All important questions.

 In the end be safe, if making changes - get a permit and protect yourself and your family.

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Open House Saturday June 23rd - Great East Boca Location

 Open House - Saturday June 23, 2012. 12 Noon to 4 PM


 Located in the heart of East Boca, this 3 Bedroom / 2 Bath home has so much to offer. Enter into the welcoming Living Room which is a perfect place for relaxing or entertaining. There is also a separate Den that could make a great office or game room. Continue to the recently redone kitchen that overlooks the screen porch and giant back yard with room for a pool, play equipment, workshop or all of them. Separated from the living areas, you will find the master suite and bath, 2 additional spacious bedrooms and another bathroom. In the heart of East Boca, the home is minutes from Mizner Park, the Beach, FAU, Whole Foods, and Boca Town Center. If you are looking for a great Florida Home with an over sized property in a location that has everything to offer, this home is for you.
Property information


The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Great East Boca Home - Just Listed

1,652 sq. m., 2 bath, 3 bdrm single story - MLS® $289,900 Boca Raton, Palm Beach County  -  Looking for a great home on an over sized property in a location that offers everything; this is it. Close to the beach-shopping-restaurants and more, this 3 bedroom/2 bath has updated kitchen, master bath and more to make you feel right at home.

Located in the heart of East Boca, this 3 Bedroom / 2 Bath home has so much to offer. Enter into the welcoming Living Room which is a perfect place for relaxing or entertaining. There is also a separate Den that could make a great office or game room. Continue to the recently redone kitchen that overlooks the screen porch and giant back yard with room for a pool, play equipment, workshop or all of them. Separated from the living areas, you will find the master suite and bath, 2 additional spacious bedrooms and another bathroom. In the heart of East Boca, the home is minutes from Mizner Park, the Beach, FAU, Whole Foods, and Boca Town Center. If you are looking for a great Florida Home with an over sized property in a location that has everything to offer, this home is for you.
Property information

Common Seller Mistakes

Thinking of selling your home, so are many others and your success at selling depends a great deal on making sure you avoid these common selling mistakes:

Incorrect Pricing - Many sellers price their home to high with the thought that they will need to negotiate.  This is the wrong strategy.  All it does, is keep would be buyers away thinking the price is too high.  High prices also cause homes to linger on the market and the thinking becomes "why has the home been on the market for so long."  Instead price your home at the market price and you will see more traffic coming through the door.

Not Making a Great First Impression - This is one of the hardest things for a seller to accept, but it pays to make an investment into putting your home into tip-top shape, BEFORE putting it on the market.  When your home is dirty, cluttered, or in need of repairs it will not be appealing and although they may visit, they will be turned off by the amount of work they see themselves needing to do.  Instead, present it in MOVE-IN-CONDITION and your buyers will be able to see themselves living in the home.

Not Giving Buyers Space - Rule number one is that when you have a showing, the best choice is for you
to leave the home and let the visitor have time in the home.  When you are around it makes it harder for the prospective buyer to see themselves living in the home.  Instead, they feel uncomfortable, not wanting to make comments or look around as much as if you were not there - GIVE THEM THEIR SPACE.

Hiring the Wrong Agent - There are a lot of reasons to pick a listing agent, but remember it is a business decision and you should treat it as that.  Sure, you could give it to your nephew but make sure he has experience or a mentor to help him.  On the other hand, you could hire an experienced agent and make a mistake if they specialize in properties different than what you are selling.  In short, take your time and evaluate what everyone has to offer and pick the agent that is best qualified to sell YOUR home.

Questioning the First Offer - Many would be sellers feel the first offer is not the best and think that they can hold out for more money.  Educated buyers will usually make a fair offer quickly and are always looking so that when a new property is listed, they act quickly.  Don't try to over think it, an offer that would be good three months from now, is good today.


Start Planning Your Move - Make sure you know where you are going once your home sells.  Don't be in a bad position when you get an offer panic because you have no place to go.   Be ready to move. 

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Sometimes it Pays Not to be Part of the Top Ten

Every now and then a list is released and it is nice not to be on the list.  This is just one of those times.  Recently, RealtyTrac, an online market place released a list of the Ten Best Beach Towns to buy foreclosures and South Florida is not on the list.  Below is the list.  Sometimes it's nice not to be part of the best.
 

Metro Area	Q1 2012 Foreclosure Sales	% of All Sales	Avg Sales Price	Avg Foreclosure Discount %
Sebastian-Vero Beach, FL	227	21.46	$93,188	45.11
Corpus Christi, TX	152	11.44	$78,851	44.38
Naples-Marco Island, FL	564	16.17	$156,148	40.43
Santa Barbara, CA	537	46.78	$274,077	38.80
Charleston, SC	530	20.42	$159,065	34.42
Hilton Head Island, SC	159	19.78	$202,454	31.14
Atlantic City, NJ	114	12.68	$161,819	30.83
Honolulu, HI	140	6.09	$345,799	30.56
Barnstable, MA (Cape Cod)	151	6.83	$237,405	30.34
Santa Cruz, CA	326	38.81	$355,604	28.17

To view all of the Great Listings available on the Beach in South Florida use our Seach Tool

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Get out the Ladder - Spring Maintenance

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Memorial Day has passed and summer is just around the corner.  You have probably started to put away the winter clothes and get yourself ready for summer, now it is time to do the same thing for your home.  If you do it now, you avoid headaches and save money in the future.  Here are a few items to take address: 

• Check out the Air Conditioner.  Check the filters, reset the thermostat and have the unit checked by a professional.  
• Get out the ladder and clean out the gutters.  Clean out the leaves and debris and run a hose in them to make sure there are no leaks and that water is coming out the downspouts.  They are often overlooked and get clogged.  It can cause big problems. 
• While, you are up there, do a visual inspection of the roof, chimney, etc.  If anything looks suspect, call an expert to check it out.  Fixing a small issue now, can avoid big problems and damage outside and inside in the future. 
• Turn on your irrigation system and run it through each zone.  Make sure you have no broken sprinkler heads; ensure that they are all oriented correctly and not blocked. 
• Inspect all windows and doors.  Look for gaps and holes around them that need caulk.  Fill them to keep the heat and bugs that show up in the summer out of your home. 
• Cut back any landscaping that is touching your home.  It will help prevent damage and control insects and critters.  
• If you have a fireplace, have the chimney inspected and swept now so it will be ready for next year with no surprises. 
• Clean the dryer vent, if it is a long vent have it professionally cleaned.  
• Power wash and reseal any outside surfaces that need resealing.  Clean the house, driveway, patios, decks, etc.  While at it take the grill apart and power wash it as well. 

Taking care of these types of items will help ensure that you can enjoy the summer and your home will stay in good condition.  Think of it as an annual checkup for your home. 

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more athttp://www.voginteam.com

Time to Move - Do You Have a Checklist

Spring is here and it is moving time again.  Many families move in next few months when there is no school.  When you get ready to move there are so many things to take care of and it is easy to forget something.  The last thing that you want to deal with is when you forget something.  There is nothing worse than getting to your new home and realizing no one made arrangements for electricity or water.   There are countless items to address and trying to remember it all is not a good idea.  You need a list, something where you can check it out as you go. 

The Vogin Team has what you need.  Our moving checklist covers all the major and minor items.  Did you remember the pets, toothpaste and other essentials for the first night in your new home - those items are on the list and so are many more.  If you would like a copy of this checklist go to Buyers Resources and request a copy of the Moving Checklist. 

If you need any other help with your move feel free to call us at 561-862-9858 or EMAIL US. 

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Selling your Home - The Sweet Smell of Success

Do you remember the last time you walked into a restaurant and it smelled a little funny and you ended up eating somewhere else.  Have you ever noticed how the big chain stores in the mall all have a specific scent.  These retailers have spent countless dollars researching and determining what scents will help increase sales.  The shoe store that smells like leather, the new car smell, fresh linen in a clothing store.  The list is endless.  Why, we have all heard of Aromatherapy – it will definitely affect your mood and your buyers mood.  

When you are selling your home, you are becoming a retailer.  The only difference is you have only 1 item to sell and it costs significantly more than what you buy in a store.  Take a minute and think about what would make you feel good when you walk into a home.  Would you like to smell wet dog, a litter box, onions cooking – probably not.  Since you come to your home everyday, you may not even notice an odor.  Instead, it is important to ask others what they are experiencing.  It should be part of your pre-listing evaluation and prep.  (hint: if your agent is not giving you an honest opinion and report of what it takes to get your home ready to sell, RUN and FIND SOMEONE ELSE, no amount of marketing will overcome a poorly prepared property.)

Once you have identified if there are any changes that need to be made, take care of getting rid of the odor, if it is a litter box, change it always, empty your trash cans every day before you leave for work and at the end of the day, before your go to bed.  


NOW COMES THE FUN PART!!!! 

Make a small investment in some of the plug in type of air fresheners and a variety of scents.  Just like different stores have different scents, so do different rooms.  Your kitchen could be vanilla or cinnamon, but maybe you want the bathroom to have more of a spa feel with spring rain or fresh linen.  Stay away from the strong floral scents and look for the scents that have universal appeal.  Have some fun and as an added benefit you get to enjoy until you sell.  Set them to a medium level so the scent is not overpowering.  Buy a few extra bottles.

 Here are a few other quick little tips:
* When it is open house time, bake some chocolate chip cookies before the opening.  You get the bonus of having whatever is leftover for yourself after the open house.
* Change your AC filter regularly to help keep the air fresh and remove dust
* Vacuum your home before showings, not only does it make the carpets look crisp and cushions fresh, but it helps filter the air (just make sure you have a clean bag and filter).
* Stay away from spray type air fresheners – they tend to be strong and overpowering at first, and then fade out quickly and have little effect.


Here is to the Sweet Smell of Success!!!!

If you would like more tips on selling your home email me at howard@voginteam.com or go to our Seller’s Resources section.

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Selling Your Home - Make a Grand Entrance

We have all heard how important it is to make a Great First Impression, yet when it comes to selling your home so many people seem to forget this idea.  If you have ever shopped for a home, you know what I mean.  You do your research, look at the pictures online, and then you go out and look at homes.  You pull up to the home and look out the window and think – that cannot be the same home that is in the picture. Don't let this be your home      

 If you want to know what your home should look like, go visit a new home builders models.  Spend some time looking around. You are competing with them.  Make sure you are on the same level.   

 

Now when you get home do a complete evaluation.  Start with the outside, go the beginning of your community and drive up to your home.  What do you see, be honest.

A few things to look at are:
* The Front Door and Hardware
* The Garage Door
* Your Sidewalk and Driveway
* Landscaping
* Lighting
* Fencing

In short, your home should look new, like a model.  It will help it sell faster.  Make a first great impression and get moving…
If you would like more information or need a complimentary home evaluation drop me a line at howard@voginteam.com or go to our web site and check out theSeller’s Resources section

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

More Great Investment Properties

Are you looking for rental properties.  Having a hard time finding good one.  Let us do the work for you.  I spent the first half of the day driving neighborhoods looking for good investment property and they are out there.  

Here  is an example:

1. Package of 3 condos for $118,000 - each unit is a 1 bedroom / 1 path.  This small complex is located in a great downtown area and has plenty of parking and a pool.  All three units are rented at a rate of $650/month.  This property has just recently been listed and will not last long.

 

We have identified several other properties that would be great rental properties.  They include single family, duplex, triplex and larger and are in every price range starting below $100,000.  Whether you are thinking of paying cash or financing these properties are great opportunities.  With interest rates low, it is also a great time to leverage your capital.  If you are looking for investment properties we have them.  For additional information call us at 561-862-9858 orEMAIL US

 The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

A Few Dollars Can Go A Long Way - Get Your Home Ready to Sell

I am sure you have thought, I do not want to put any money into my home, I am selling it.  At first, it sounds like it makes a lot of sense, but if you were going to sell your car, would you get it detailed to get the best price.  Of course you would, and this is no different.  If you have no problems investing in your car for a sale or trade, why would you have a problem investing in your home which you will sell for a FEW HUNDRED THOUSAND DOLLARS.  The trick is to spend the dollars wisely. 

Before tackling any project whether large or small, make a list of everything that you would want to do and determine where you get the most bang for your buck.  This list could come from the home evaluation that your listing agent provided for you (If they did not provide an evaluation you may have the wrong agent).  Next set priorities, what can you accomplish yourself and what work requires you to hire someone. 

Do not be afraid to spend a few dollars.  Fresh landscaping, paint and clean carpets, to name a few, go a long way.  If you take this crucial step at the beginning of the process, the price at which your home sells, will more than offset the initial investment in the preparation.  After you finished and until the sale is complete keep your home in tip top shape. Touch up the paint, trim the landscaping, keep windows clean, etc.  Remember, you are now in the sales business and need to make the best presentation possible.

Remember, you have only one chance to make a great first impression.  Do everything to make your home stand out from the rest when a potential buyer sees it for the first time. 

If you would a complete professional home evaluation or want to download our do it yourself home evaluation tools check out our Homes Seller Resources page or email tohoward@voginteam.com.

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

I Love It, What's Wrong with It

When buying a home we all get wrapped up in the beauty of the home, location, décor, etc.  What you need to remember is to not forget the importance of the home inspection.  It is one of those items that sometimes is overlooked or confused with the bank appraisal.  As a quick reminder, the appraisal is used by the bank to determine the market value of the property and whether they should lend on it.
A home inspection is an objective visual examination of the physical structure and systems of a house, from the roof to the foundation.  According to the American Society of Home Inspectors (ASHI) "The standard home inspector's report will cover the condition of the home's heating system; central air conditioning system (temperature permitting); interior plumbing and electrical systems; the roof, attic and visible insulation; walls, ceilings, floors, windows and doors; the foundation, basement and structural components."
 The inspection will cost you a few hundred dollars and it is definitely worth the investment when considering the cost of the home.  You should attend the inspection so that the inspector can answer questions and also show you what they have found. 
 Remember no home is perfect (this includes new homes), and you should expect the inspector to find some issues.  The key to evaluating the report is that it lets you know what to expect and then you can determine if you wish to undertake the repairs, negotiate with the seller, or if the property is not for you. 
 When looking for an inspector, you should use the same due diligence that you would for any other professional. Speak to a few of them, ask for references, find out if they are familiar with the area you are buying and the type of property you are purchasing.  Some sources for names are your agent, the local chamber of commerce and the ASHI website. 

Buying a new home can be fun and is exciting.  Just don't let the flash of the home cloud your judgment, get a home inspection and be safe.

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Mortgage Rates Drop, Inventory Shrinks, Housing Starts Up - What a Week

On Thursday Freddie Mac reported that mortgage rates have reached a new low of 3.79% on a 30 year fixed rate mortgage and 3.04% on a 15 year fixed rate mortgage.  Frank Nothaft, vice president and chief economist, Freddie Mac  noted   "The European debt crisis overshadowed improving economic indicators for the U.S. and allowed Treasury bond yields and fixed mortgage rates to ease for another week...."
On Wed the Mortgage Bankers Association reported that Mortgage Applications rose 9.2% from the previous week.  This trend has been continuing for a few weeks now.  While a percentage of this increase is due to refinance activity, it continues to put more money into the economy and foster continued growth.
On the home construction front there was also good news.  Housing starts rose to an annualized rate of 717,000 homes in April, well above the market consensus forecast, and construction on one-family homes increased to its strongest pace in three months.  Moreover, homebuilder confidence in May reached its highest reading since January 2008 according to the NAHB/Wells Fargo Housing Market Index.
According to the National Association of Realtors (NAR) the number of homes listed for sale in March fell to 2.37 million.  That equates to roughly a 6-month supply at the current sales pace, which is considered by NAR to be a balanced market.  "One of the most important developments in the past year for the residential real estate market has been the significant decline in the inventory of homes for sale. In West Palm and Boca Raton, the number of homes currently listed is down 21.61 percent from a year ago," said Tom O'Grady, president and CEO of Pro Teck Valuation Services.
Everywhere we look there is more evidence that the market is changing.  It is not an isolated figure or one part of the puzzle this time, but instead several indicators all pointing in the same direction. 
If you would like information about what is available or the value of your home just contact us at 561-862-9858 or send us an email to the Vogin Team and we will get you the information you need.

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Great Investment Property Opportunity

South Palm Beach County – Brand New 1200 square foot town home available now.  This unique opportunity features a 3 bedroom / 3 bath town home. This home features 2 bedrooms and 2 baths on the second floor and one bedroom and bath on the first floor perfect for someone who does not want to walk stairs or it can be used as a den.   Priced at $150,000 this unit will provide a good return and should rent easily.  The builder is offering incentives which helps to minimize out of pocket closing costs.

  

 

Ideal Location:

• Centrally Located in Palm Beach county:
• Close to I-95, World Class Downtown Delray Beaches
• Community Features:

Gated Community

• Pool
• Cabana
• Tot Lot

For more information, call Howard Vogin @ 727-244-3664 or email me howard@voginteam.com

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com

Turn Your Kids College Housing into an Investment Property

The fall school year is just around the corner and if you have a child getting ready to enter college, skip the dorm and instead turn their housing into an investment.   With prices and interest rates low, instead of paying for a dorm room, invest in a town home or condo that your child can use during their years in school.  If there is extra room, even better, you can rent it out to other students and help cover the mortgage and other expenses. 

All around this is a great investment:

• Instead of paying rent to the university or landlord, you get the advantage of making an investment in a property and building equity.
• There are several tax advantages related to owning an investment property that your accountant can explain to you - mortgage interest, ownership expenses, loses, depreciation, etc..
  
• Once your child is no longer in school, you can keep the property and rent it out to other students or sell it - there is always demand for student housing.

Now is the time to get started, the spring semester is almost over, parents that have taken advantage of this investment in the past are getting ready to sell and by acting now you will be ready when your child starts the fall semester.

All around it may be the perfect idea for you.  Your child gets a nice place to live during their time at school and you get a nice investment.  If you would help identifying properties, call us at 561-862-9858 or email to howard@voginteam.com. 

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WOW - Mortgage Rates Drop Again - Now is the time to buy

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On Thursday, Freddie Mac reported the rate on a 30 year mortgage fell to 3.83% and the 15 year fell to 3.05%.  These are all time new lows.   In comparison, last year during the spring selling season rates were 4.63 %.   According to Frank Nothaft, vice president and chief economist, Freddie Mac. "Following April's weaker than expected employment report, and the French and Greek election results raising concerns over the stability of the Euro currency zone, long-term Treasury bond yields declined allowing fixed mortgage rates to ease to new all-time record lows this week. The economy added just 115,000 jobs, below the market consensus forecast and less than in March. And although the unemployment rate declined, it reflected fewer people actively seeking jobs."

While this is great news if you are in the market for a new home, how long these rates will last is an unknown.  On a $300,000 mortgage the difference in payment from last years to this year would be $140 per month.  Or looked at a different way, a $1800 per month mortgage payment will buy $35,000 more home at a rate of 3.84% vs 4.63%.   While no one can predict interest rates into the future, all signs point to increase in the future and as the example illustrates the same home will cost more money.  Just as we are starting to see increasing prices for homes due to limited supply and large demand, it is inevitable that we will see the same occur in the mortgage market.  These two combined together have all the signs of quickly turning the environment into a "Sellers Market." 

More information about mortgage and finance including Home Affordability Calculators and Detailed Interest Rate Information and Mortgage New can be found at Mortgages and Financing or call us at 561-862-9858

The Vogin Team is your one stop choice for all of your real estate needs. With over 10 years of experience in real estate we have the expertise and experience to give the professional service your desire. Whether you are looking to buy or sell a home in South Florida we can help you. Learn more at http://www.voginteam.com