FINE LIVING ELEVATED TO A NEW STANDARD
RIVIERA MODEL - TRANSITIONAL STYLE HOME WITH 7 BEDROOMS 7 BATHS, 1 POOL BATH AND 2 HALF BATHS. THE RIVIERA EMBRACES 7,400 SQUARE FEET OF INDOOR LIVING SPACE WITH A DOUBLE HEIGHT CEILINGS IN FOYER AND LIVING ROOM. PEACEFUL VIEWS OF OUTDOOR LANAI, POOL AND SPA FROM EVERY ROOM. THE DOWN STAIR MASTER WING HAS A PRIVATE LANAI WITH AN OFFICE OVERLOOKING THE 18TH HOLE. THE 2ND MASTER SUITE HAS A STAIRCASE THAT GOES DOWN TO THE POOL AREA AND A PRIVATE BALCONY. MOVIE THEATER WITH 3 TIER SEATING. A SPLIT GAME ROOM WITH OPEN BAR FOR SOCIAL PARTIES. BEAUTIFUL CEILING DETAILS THROUGHOUT THE HOME.
PINE VALLEY MODEL 8 BEDROOMS | 8 BATHS + 2 HALF BATHS DOUBLE ISLAND GOURMET KITCHEN OUTDOOR FIREPLACE ON LANAI SECRET ROOM BETWEEN TWO CHILDRENS ROOMS RAINWATER FOUNTAIN PERGOLA ON OVERSIZED POOL W/SPA OVERSIZED GATHERING ROOM OVERLOOKING THE PARK 5,785 LIVING SQ. FT. $1,936,270.00
MONTECITO MODEL 5 BEDROOMS | 5 BATHS + 1 HALF BATH DOUBLE HEIGHT STAIRCASE FOYER INTEGRATED DINING/KITCHEN EXPERIENCE INTO A PRIVATE COURTYARD FEATURED EXTERIOR ARCHITECTURE MASTER BEDROOM BALCONY OVERLOOKING PARK TIERED IN-HOME THEATER 4,485 LIVING SQ. FT. $1,427,300.00
LIVE THE LEGEND. HOMESITES ON THE NICKLAUS GOLF COURSE FROM $350K EXECUTIVE HOMES ON THE 17th FAIRWAY FROM LOW $700’s
Behind Bear’s Den’s grand entrance, our new model is now open. Be impressed with amazing floor plans and outstanding amenities in a one-of-a-kind gated enclave inside Reunion, situated along the famed Jack Nicklaus Golf Course. • Beautiful New Reunion Clubhouse on the Jack Nicklaus Signature Course • Homes available on the 18th Fairway & Golden Bear Park • Golf Membership with a New Home Purchase for a limited time* • Ask about our Bear’s Den Residence Club Fractional Ownership Program. Exchange for over 140 exotic locations and luxury homes worldwide
877-930-6628 • BEARSDENREUNION.COM 7880 NICKLAUS CLUBHOUSE LANE • REUNION, FL 34747 LOCATED 5 MINUTES FROM DISNEY *Offer and prices subject to change without notice.
10 06
SPECIALIST IN THE SUBJECT, JULIO CESAR SILVA EXPLAINS HOW THE MORTGAGE SYSTEM WORKS IN THE USA
EDITORIAL
BUSINESS &
Graphic design BrazilUsa Media Group
08
PABLO FARIAS RECEIVES AWARD BY WRA
Photos: July Valle
09
JOSE MEJIA RECEIVES AWARD BY NEW HOME PROGRAMS
Advertising (407) 680-9804 realestateorlando@brazilusamagazine.com
15
MEDICINE HEALTH & WELLNESS
The opinions expressed in articles signed by the contributing writers are the responsibility of the authors and do not necessarily reflect the views of the Magazine. Commercials are the total responsibility of advertisers.
18
5 TIPS TO AVOID WASTING MONEY AND TIME INVESTING AND IMMIGRATING TO THE UNITED STATES
04 BrazilUSA - Orlando Real Estate
BRAZILUSA MAGAZINE ® www.brazilusamagazine.com Published by ZB Media Group LLC.
ATTENTION PROPERTY MANAGERS SAVE MONEY AND TIME WHILE INCREASING YOUR RESERVATIONS!
For a minimal cost, our specialized and dedicated staff will collect and file your client's income tax, saving you time and money so you can focus on managing your client’s vacation homes and consequently it will increase the number of reservations. We collect all the necessary information directly from your software to prepare the sales and tourist tax returns and send payments on your behalf. You do not have to deal with it. We will do it for you!
(407) 374-2329
www.dominiumcs.com / info@dominiumcs.com 6965 Piazza Grande Ave, Unit 206 - Orlando, FL 32835
Editorial Hello readers! Welcome to our 31st edition. It’s always a great pleasure to be able to be here with you, for another month, providing newsworthy content about business in Orlando. For this month’s edition, we have in our cover a specialist in mortgage, Julio Cesar Filho. We know that this is a subject that prompts a lot of questions, so in a super interesting article, the expert explains how the financing system works in the United States and how foreigners can have access to mortgage credit. After five months of great joy, we’re getting to the end of our tributes to the winners of the party of Business & Real Estate BrazilUSA together with Creative Design, held in December 2018. And to finish on a high note, we’ll be telling the story of Pablo Farias and José Meija. There are many topics that will undoubtedly hold your attention. Thank you for your business! Visit our Facebook and Instagram page. Also, be sure to follow and share with friends and family our online edition.
@businessrebrazilusa @businessrebrazilusa “If thou shalt think anything, it shall be well with thee, and the light shall shine in thy ways.” (Job 22:28)
06 BrazilUSA - Orlando Real Estate
JOSE MEJIA RECEIVES AWARD BY NEW HOME PROGRAMS “Every day I woke up motivated to conquer my goals. It was a daily challenge!”, he said. His professional career is based on a lot persistence, study and willpower to achieve his goals. He came from a city where he had lived his whole life, arrived in a new place where he knew no one and had to start “from zero”.
To conclude our tributes to the winners of Orlando Creative Real Estate Awards 2018 on a high note, let’s talk about Jose Mejia, winner by New Home Programs. He’s one inspiring story! Born in San Pedro Sula, a city in Honduras, Central America, Jose arrived in the United States with his family when he was little. Having lived in Minnesota for many years, his career has always been linked to sales and numbers. For six years, he worked in a mortgage credit bank, without imagining how important this experience would be for his future. It all started to change when he decided to go visit his brother in Florida. Feeling passionate about the place, he understood that there was the place he should live. With that, he returned to Minnesota to sell his belongings, left his job at the bank and went back to Florida to follow his dreams. However, like most people, the beginning wasn’t easy. During the first five months in Florida, Jose kept thinking about what he could work in to build a future for his wife and son. As he had acquired much experience at the bank he worked in Minnesota, in 2009 he decided to get his first Realtor license, a market he fell in love with and has never gotten out.
His career at New Home Programs began in 2011, being its first agent in Florida. Today, he conducts several trainings for new agents, acting as manager of the Tampa unit and serving as a “role model” to those who want to be successful in Real Estate. With his experience in mortgage credit, Jose explains that his main advantage is to be able to assist his clients with sales and acquisition, as well as in financing and obtaining credit. “For the past ten years, I’ve helped people rent, buy and sell houses. With experience in financing and digital marketing, I have a complete understanding of the Real Estate market and know what’s necessary to defend the needs of a client.”, told Jose. To him, the award event at the Orlando Creative Real Estate Awards was great to get to know other professionals in the area. As he is based in Tampa, the party was a good way to chat, gain experience and fraternize with other colleagues of same profession. CONTACT: (727) 271-6900 BrazilUSA - Business & Real Estate
09
PABLO FARIAS RECEIVES AWARD BY WRA projects in the short, medium and long term. According to him, his priority is to find the viability of an acquisition that meets the desires and usage purposes of the property, valuation outlook and current/ future liquidity. Moreover, the Realtor has also taken to hundreds of people, tips, entertainments and curiosities about the United States through his pages on social media and his channel on YouTube.
We’re coming to the end of our tributes to the winners of the amazing party of the magazine Business & Real Estate BrazilUSA along with Creative Design in December 2018. There have been many special Realtors that have passed here this far. Now, it’s time for Pablo Farias, winner by WRA – World Realtors Alliance. Seeing great investment opportunities in the United States in various segments, Pablo opted to move with his family in 2006. Today, naturalized American, he acts as Realtor since 2014 with focus in Central Florida, mostly in the Great Orlando area. “My work has gained emphasis on service quality which translates into sales volume, mainly in the cities of Winter Garden, Windermere, Orlando, Celebration, Clermont, Davenport and Kissimmee, despite conducting other transactions at several other cities in the state.”, he said. Pablo explains that his job consists in understanding the goals and needs of each of his clients, along with their
08 BrazilUSA - Business & Real Estate
About his award at the Orlando Creative Real Estate Awards 2018, he said he was very honored to have been chosen as winner by WRA. “This is a recognition of our daily effort. Besides, it works as a motivation factor to maintain the quality already recognized and seek a process of continuous improvement of our work!”, he said about his award. Without doubt, when reading the stories of all the Realtors so far, we can tell that the next edition of the event will be long awaited with great affection by all Real Estate professionals of Orlando. CONTACT: Mobile: 407-398-4262 E-mail: pablo@meucorretornaflorida.com Facebook: https://www.facebook.com/pablomeucorretornaflorida/ Instagram: @pfimoveisnaflorida Web Brazil: www.meucorretornaflorida.com http://www.comprarminhacasanaflorida.com/
SPECIALIST IN THE SUBJECT,
JULIO CESAR SILVA SILVA EXPLAINS HOW THE MORTGAGE SYSTEM WORKS IN THE USA
As we know, a few years ago the United States became the favorite spot for many foreigners, especially Brazilians. Whether as an option for tourism, permanent residence or investment, every day that passes the admiration for this country, known as “land of opportunities”, becomes bigger. Under the Real Estate aspect, the dream of owning your house or having a property as a source of income is the goal of countless people. Among the numerous advantages, the security and profitability that the U.S. market offers make this demand grow more and more. However, it is at the moment of doing the transaction that only a small portion of interested parties has the conditions to pay for it in cash, especially if they’re coming from a country whose currency is devalued before the dollar. Given this situation we remember the specialist in financing, Julio Cesar Silva. With more than 15 years of experience in the field, he recalls that the mortgage option is also viable for foreigners, being often even more advantageous. This is because, according to him, regardless of the amount the future buyer has available, in addition to not having to capitalize immediately, those who wish to live or have a business in the United States, the option of mortgage enables to create what’s called credit score. Julio Cesar Silva has full know-how to assist in all the procedures of the financing process, from start to finish. The purchase of a property is something that requires extreme precaution, when many times legislation issues and even the language can harm the process. Not having the adequate, correct and transparent support can cause your dream to go down the drain.
10 BrazilUSA - Business & Real Estate
“Problems always occur during the process, it’s normal. So, if you have a professional by your side who knows what he’s doing, the chances of your loan getting approved are big. I receive countless calls every month to try to save clients who have had problems with inexperienced people and ended up not getting their loan approved.”, he said. Brazilian, born in Belo Horizonte, living in Massachusetts for 20 years and for five residing in Florida, Julio has always been passionate about investments. His career began in 2001, when he used to work with operations at a mortgage credit office in Boston. In a short time, Julio switched to sales, working with customers and offering all kinds of financing. Today, along with Marcio Valadão and Tiago Quinamo, he owns two branches of CrossCountry Mortgage (Boston and Boca Raton), one of the largest mortgage banks in the United States, with annual billings of seven billion dollars.
Passionate about his profession, he has trained more than 3,000 credit agents and managed more than 300 over the years. He frequently travels to Brazil to hold lectures on Real Estate investments and financing in the United States. Julio Cesar has high standards when serving his clients, dedicating himself to each transaction with the support of his team. Fluent in all three major languages (Portuguese, English and Spanish), combined with honesty, integrity and ethics, the specialist is able to provide mortgages for commercial, residential and land, and refinancing through his branch. According to the expert, after delivery and evaluation of the documents, every conventional, domestic and governmental financing is done by the CrossCountry Mortgage. When the customer profile doesn’t fit with American standards, as for example in cases when foreigners who are not resident or have no income tax in America, the best conditions and interest rates are assessed through the other 40 partner banks.
BrazilUSA - Business & Real Estate
41
“Then, for sure, we will have the solution to serve any and all kinds of clients!”, assured the branch manager.
Julio Cesar’s office offers: • FINANCING FOR FOREIGNERS • Down payments from 25%, 30%, 40%; • Simplified documentation; • Financing without need for reserves, bank statements, accountant letters, proof of funds; • Possibility of closing under a company or at the consulate of your country; • Closing within 45 days. • FINANCING FOR RESIDENTS IN THE UNITED STATES • Financing for first time buyers Conventional and FHA, VA, USDA; Down payments from 5%, 3.5%, 3% e 0%; Closing within 21 days; Best options and fees. • FINANCING WITH ITIN NUMBER Down payments from 15%; Simplified documentation; Closing within 30 days. FINANCING WITH BANK STATEMENTS (Required 12 or 24 months of bank statement.) Down payment of 10%; Competitive interest rates; • FINANCING FOR INVESTORS No proof of income. • HARD MONEY FINANCING Closing in 7 days. When we talk to some clients who have had business with Julio Cesar over these 15 years of career, it’s clear the extreme satisfaction with the results obtained, said by many as “the best banker in Florida”.
11 BrazilUSA - Business & Real Estate
“There are no words to express how grateful I am to my family and to this amazing professional! Julio is an example of commitment, experience, trust, knowledge and agility. My husband and I spent two months trying to get our mortgage approved with another lender and, after all this time, he told us he’d still need one more month. In other words, it meant that we would lose the only house we really loved. Then, thank God and a friend of mine, we met Julio. He and his incredible team were able to get my mortgage approved and our dream home in 20 days! It sounds impossible, but it’s 100% true! So, if you want to buy a house, don’t waste your time, speak directly to Julio Cesar Silva!”, Marila Vilela, client.
“I’ve known Julio for about two years, our professional paths crossed quite often. I’ve always been impressed by how fast he closes his deals. When I decided to buy a house, I contacted him to see if I would qualify and for how much. Immediately, Julio started my process and 20 days later I bought the house of my dreams. Throughout the process, he was very quick to answer my calls or return my messages, he was precise and straight to the point. I was very fortunate to have chosen him and the CrossCountry Mortgage. Since I began the process, I’ve been using Julio as a role model on my sales meetings. An example of approach, responsiveness and readiness. I recommend it!”, Ana Regina, client. “Julio has a vast knowledge and knew exactly what to do. In addition to regular financing (two years of tax return), he also has options with bank statement, among others. In other words, he will, one way or another, get your approval! My loan was approved in 25 days and the price was better than I expected it to be. There is no magic, just the mastery in the area in which you operate. It seems simple, doesn’t it? In fact, it’s all about competence, which Julio has plenty of.”, Fernanda Figue, client. According to Julio Cesar, every company in the market has access to the same products. What set them apart is the experience and knowledge on the subject. In his office, he and his team will be able to find the right loan or refinancing option that best suits the personal needs of each client. A variety of programs, fees and terms are available, allowing the best mortgage decision. “What motivates me is the fact that I can do my work by fulfilling other people’s dreams. Everyone comes as a client, but in the end becomes a friend!”, finished Julio Cesar. BrazilUSA - Business & Real Estate
13
CONTACT: Address: 600 West Hillsboro Boulevard Suite 201 - Deerfield Beach, FL 33441 Phone: (321) 732-2848 / (305) 508-6446 Instagram: @juliosilvafinance
14 BrazilUSA - Business & Real Estate
Cardiology
Allergy and Immunology Dr. Patrick Klemawesch MD Languages: English, Spanish, Portuguese Specialty / Subspecialties: Allergy & Immunology / General Allergy & Immunology 6294 1st Ave N, Saint Petersburg, FL, 33710 +1 (727) 345-1900 Acupuncture Elly Tuchler AP Languages: English, Portuguese Integrative Medicine Acupuncturist & Homeopathic Physician 8615 Commodity Circle Orlando, FL (407) 373-0606 Chiropratic Jose J Mauricio Languages: English, Portuguese Chiropractor 4747 S Conway Rd, Orlando Florida, 32812-1245 407-240-8430 (?) 407 843 8900 / (407)297–3666 Imigration Spot Clinic 1132 Cypress Glen Circle, Kissimmee, FL 34741 (407)602-8813
16 BrazilUSA - Business & Real Estate
Dr. Rodrigo do Lago Languages: English, spanish, Portuguese Specialty / Subspecialties: Cardiology / General Cardiology, Adult Congenital Heart Disease, Echocardiography, Interventional Cardiology 2100 Ocoee Apopka Road Apopka, FL 32703 (407)614-0528 Bariatric Surgery Dr. Andre Teixeira MD English, spanish, Portuguese Specialty / Subspecialties: General Surgery / General Surgery, Bariatric Surgery 2820 SE 3rd Ct, suite 100, Ocala, FL, 34471 (321) 843-8900
Dermatology Dr. Mariela Salinas MD Languages: English, Spanish Specialty / Subspecialties: Dermatology / General Dermatology 7652 Ashley Park Ct,Ste 305, Orlando, FL, 32835 (786) 389-9353 Dentistry Dr. Gustavo De Oliveira DMD Languages : English, Spanish, Portuguese Specialty / Subspecialties: Dentistry / Student in an Organized Health Care Education/ Training Program 112 E Lucerne Cir, Orlando, FL, 32801-4401 (407) 425-4901 Endocrinology
Internal Medicine Dr. Gerardo Rojas MD Languages : English, French, Portuguese Specialty / Subspecialties: Internal Medicine / General Internal Medicine 8751 Commodity Circle, suite 15, Orlando, FL, 32819 (407) 517-4827
Orthopaedic Dr. Mark Buchman MD Languages: English, Spanish Specialty / Subspecialties: Orthopedic Surgery / Hand Surgery, Elbow Surgery 13800 Veterans Way, Orlando, FL, 32827 (407) 631-3216
Dr. Victor Roberts MD Languages : English, Spanish Specialty / Subspecialties: Endocrinology, Diabetes & Metabolism / General Endocrinology, Thyroid, Diabetes, Lipid Metabolism 766 North Sun Drive, Suite 2060, Lake Mary, FL, 32746 (407) 936-3860 Gastroenterology Dr. Douglas Sprung MD Languages: English, Spanish Specialty / Subspecialties: Gastroenterology / Gastrointestinal Functional & Motility Disorders, Inflammatory Bowel Disease, Nutrition, Esophagus Disease 205 Loraine Drive, Altamonte Springs, FL, 32714 (407) 261-0000
Oncology Dr. Ricardo CrisostomoMD Languages: English, Spanish, Portuguese Specialty / Subspecialties: Oncology / Cancer Genetics/ Cancer Risk Assessment, General Oncology, Breast Cancer, Gastrointestinal Cancer 201 Hilda Street, Kissimmee, Suite 33, FL, 34741 (407) 483-5836 Pediatrics Dr. Cassia PortugalMD Languages: English, Spanish, Chinese (Mandarin), French, Tagalog, Korean, Arabic, Portuguese, Dutch, Filipino, Greek, Chinese (Cantonese), Creole Specialty / Subspecialties: Pediatrics / General Pediatrics 1651 N Semoran Blvd, Orlando, FL, 32807 (407) 249-1234 Speech Therapist Talk Active - Therapy Clinic Languages : English, Spanish, Portuguese 1601 Park Center Dr #7 Orlando • FL • 32835 321-445-1287 Vascular Dr. Roger Murray MD Languages : English ( translate Portuguese ) Specialty / Subspecialties: Vascular Surgery / General Vascular Surgery 7932 W Sand Lake Rd, Suite 306, Orlando, FL, 32819 (407) 206-1500
Neurology Dr. Carlos GadiaMD Languages: English, Spanish, Portuguese Specialty / Subspecialties: Neurology / General Neurology 3200 SW 60th Ct, Miami, Suite 302. FL, 33155 (305) 662-8330 Ophthalmology Orlando Ear Nose & Throat Associates PA Dr. Michael Bibliowicz DO Languages: English, Spanish Specialty / Subspecialties: Otolaryngology (ENT) / General Otolaryngology/ENT, Head & Neck Plastic Surgery 5830 Lake Underhill Rd, Orlando, FL, 32807 (407) 658-0228 Urology Dr. Carlos Nazir MD Languages: English, Spanish, Portuguese Specialty / Subspecialties: Urology / General Urology, Male Sexual Dysfunction, Minimally Invasive Surgery 747 Ponce De Leon Blvd, Suite 410, Coral Gables, FL, 33134
Psychiatry Dr. Jose Mendez MD Languages : English, Spanish, Portuguese Specialty / Subspecialties: Psychiatry / General Psychiatry, Neuropsychiatry 8615 Commodity Circle,Suite 12, Orlando, FL, 32819 (407) 476-1212
Obstetrics & Gynecology Dra. Andreia Moraes Acuna Languages: English, Spanish, Portuguese Specialty / Subspecialties: Breastfeeding Problems, Infertility, Weight Loss, Hot Flashes, Child Birth, Women’s Health, Menopause, Pelvic Exam, Nutritional Support, Preconception Care, Menstrual Pain, Birth Control, Pregnancy, C-section, Tubal Ligation (Permanent in Women), Colposcopy, Pap Smea 7157 University Blvd, Winter Park, FL 32792 (407) 571-9185 Family Medicine Dr. Daniel Hay DO Languages: English ( has translate to Portuguese) Specialty / Subspecialties: Family Medicine / General Family Medicine 5979 Vineland Rd, suite 111, Orlando, FL, 32819 (407) 802-3233 Psychology Alexandra T. Azevedo, LMHC, CTCT, CST, NCC Languages: English, Portuguese Specialty / Subspecialties: Licensed Mental Health Counselor, Certified Transgender Care Therapist and Certified Sex Therapist, National Certified Counselor 7345 W. Sand Lake Rd. Suite 310 Orlando, FL 32819 and 6919 SW 18th St. suite 201-235 Boca Raton, FL 33433 (561) 866-9246 BrazilUSA - Business & Real Estate
17
5
tips to avoid wasting money and time investing and immigrating to the United States
It is becoming increasingly harder to trust anyone and the information available on the internet. That is true in all areas, even in the legal field where knowledge of the law is the top priority. Those who are looking to invest or live in the United states should not limit their options. Before investing money and time, one should consult knowledgeable and competent professionals, research and consider options. Over the years, our office worked with many clients who are frustrated, disappointed and many times hopeless because they invested in false opportunities. For those reasons, we created 5 easy to understand tips to avoid wasting time and money: 1- Do not believe everything you read on the internet. A lot of information is wrong and outdated. US Immigration rules are constantly changing. Each case is different and what applies to one person or investment may not apply to another; 2- Beware of business partnerships and consulting. Many offer services related to business and investment in the United States, that may turn out to be misguided or even scams;
18 BrazilUSA - Business & Real Estate
3- If you are looking to invest or live in the United States, hire a lawyer that is licensed to practice in the United States. It is illegal for consultants, paralegals or notaries to give legal advice. They are not licensed or regulated; 4- Consult more than one professional. After all, professional opinions vastly diverge and it is important to feel comfortable with your lawyer’s strategy; 5If it seems too good to be true, it is probably not true. Immigration, businesses and investments are complicated, time consuming and require effort. These are simple and important tips for anyone who is planning to immigrate, invest or do business in the United States.
Pedro Dearaujo, Advogado PD Law Firm, P.A. contact@pdlaworlando.com +1 (407) 793-9455
www.dominiumcs.com
OPEN YOUR
BUSINESS IN THE UNITED STATES Dominium Consulting Services is a consulting company focused on forming and developing businesses in America. We offer a wide range of services such as accounting, income tax, bookkeeping, and many others, to support individuals who are or intend to do businesses in the USA.
CertiďŹ ed professionals
Highly-skilled executives
Online consulting
Appointment of a proxy
Bank account opening
OfďŹ ces in Miami and Orlando
(407) 374-2329
info@dominiumcs.com
6965 Piazza Grande Ave, Unit 206 - Orlando, FL 32835