Interview with Maria Howard of First American Natural Hazard Part 2

Interview with Maria Howard of First American Natural Hazard Part 2

Yesterday, we sent you the first part of our interview with Maria Howard of First American Natural Hazard Company.

Today, we have continued our interview with Maria. Watch part two of our video to learn more about the terms and conditions of the “Natural Hazard Disclosure Report.”

 As always, if you ever know of a friend, co-worker, relative or even a member of your social communities like Facebook, interested in buying or selling property, connect with me today!

AND REMEMBER-"MONICA MAKES IT HAPPEN"!!!'

Interview with Maria Howard of First American Natural Hazard Part 1

Interview with Maria Howard of First American Natural Hazard Part 1

Today, I would like to introduce you to Maria Howard of First American Natural Hazard Disclosure Company. Watch part one of our interview with Maria to understand how it affects you as a buyer or a seller!

As always, if you ever know of a friend, co-worker, relative or even a member of your social communities like Facebook who is interested in buying or selling property, connect with me today!

AND REMEMBER-"MONICA MAKES IT HAPPEN!!!"

Why a Trust?

Why a Trust?

Hey, everyone! Welcome back to my video blog! Today, I wanted to talk about trusts and why they are preferred over wills.

So, what is a trust? A trust divides ownership of a property into two parts.
1.    Trustee. The trustee holds ownership and control of the property.
2.    Beneficiary. The beneficiary holds the soul right of the enjoyment of the property.

Did you know that often trusts are preferred over wills when ensuring the orderly transfer of property in case of a death? Trusts can be executed immediately and can handle a variety of different circumstances. If you are injured or become incapacitated, a trustee can take over your finances.

Another great thing about trusts is the assets such as personal property are not subject to probate proceedings. This is a HUGE relief in avoiding expensive fees from both attorneys and probate court.

Trusts can also be changed much easier than a will. One simple notarized page from both the trustee and beneficiary is all it takes!

The BEST part about a trust, though, is getting favorable tax treatment! If you have a personal net worth of $100,000 or more, a trust will maximize your estate tax exemptions. It will also ensure at the time of your death, your heirs can inherit the estate and avoid any penalties and fees from our good friends, the IRS.

Take it from me. You don’t want your loved one to lose their home at the time of death to the state due to lack of estate preparation.

As, always if you ever know of a friend, a coworker, relative or even a Facebook friend that is interested in buying or selling a property, connect with us today!

And remember, MONICA MAKES IT HAPPEN!

The Truth About Interest Rates

The Truth About Interest Rates

Hello it's Monica Diaz!  Welcome to my video blog.  Today I want to talk about interest rates and their relevance to the current market.

As you have likely heard recently, rates moved up a bit from the historic lows of early spring.  So what does this actually mean to the average home buyer or someone thinking about a re-fi?

In the overall scope of monthly payments and lifetime cost of the loan-NOT MUCH AT ALL.  It's important to look at everything from this macro viewpoint.  If any of my viewers can remember the market from 10 years ago, (where a 6.5-7% interest rate was something to be really excited about) we should all feel ECSTATIC about current average rates which are anywhere from 4.25-4.75% for 30 year fixed loans.  Doing the math, you are still saving more than $500/month on a similar loan of equal value based on rates from the mid-2000's.

So it's important to keep this is mind when attempting to decide whether you should buy/sell now or wait.

I am very confident if you choose to purchase or Re-Fi with Team Diaz, you will receive the lowest rate possible via our exclusive Lender friends at American Financial Network.

As always, if you ever know of a friend, co-worker, relative or even a member of your social communities like Facebook, interested in buying or selling property, connect with me today!

AND REMEMBER-"MONICA MAKES IT HAPPEN"!!!