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LUXURY HOMES
PG. 18-20
CHECK OUT THIS BEAUTIFUL LAKE MARY HOME! 3708 FARM BELL PL | Pg. 18
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TABLE OF CONTENTS HOME SECURITY
A/C SERVICE AND REPAIR U.S.H.A.C Sunshine Air & Plumbing Ambrose Air Inc.
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My AC Solution APPLIANCE REPAIR Dryer Vent & Appliance Repair
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Xpertise Appliance Repair Services
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ARTICLES Benefits of Buying or Selling a Home during the Holidays
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This is Why you Buy when Interest Rates are Low
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Pros and Cons of Refinancing your Mortgage
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The Perfect Christmas Gifts for a New Homeowner
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CABINETS Woodmaster’s Custom Cabinets
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COMMERCIAL & RESIDENTIAL CLEANING Linar Cleaning Services
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Solid Rock Cleaning Company
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CREDIT REPAIR SERVICES
1Stop Security Systematic Home Staging
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ELECTRICAL CONTRACTOR Apollo Electrical Services
2-10 Home Warranty
GARAGE DOOR SERVICES AA Same Day Garage Door Services Inc.
In & Out Professional Services Law Offices of Barry L. Miller MORTGAGE LENDER
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Citizen’s Bank
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GenNext Funding LLC
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PAINTING SERVICES
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CJPainting123
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PEST CONTROL Sterling Pest Control PLUMBING
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REAL ESTATE SERVICES Commercial & Land
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Homes For Sale
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East Coast Properties
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Luxury Listings
18-20
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Rental Homes and Condos
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BAA Inspections
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Ready 2 Inspect LLC
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Elite Home Inspections
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-Network with Associates & Clients -Network with Existing Members -Access to our Off ice Locations -Present at Company Meetings
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LEGAL SERVICES
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HOME INSPECTIONS
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LAWN CARE
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FLOORING Sanford Carpet & Flooring
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HOME WARRANTY
Associated Piping Services
Restore Your Life
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HOME STAGING
ROOFING Next Dimension Construction & Roofing TITLE COMPANY The Closing Agent
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-Various Membership Levels -Color Magazine Ad -Strategic Retail Distribution -Internet Advertising
For more information, contact Tony Legakis, 321-594-0070, Premium Partners Recruiting or contact Adriana Nelson, Designer and Editor of Premium Properties Magazine Information contained herein deemed reliable, however not warranted or guaranteed. Equal housing opportunity. Member FAR.
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We are the NEXT GENERATION in home financing. NMLS: 1725955
Get Pre-Approved Today! Scan the QR Code To Learn More
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First Time Homebuyers Investment Second Homes Veterans
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Police & Fire Essential Workers Foreign Nationals And Much More!
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MADE READY TO TURN DREAMS INTO HOMES Citizens offers competitive interest rates, prequalifications and a variety of mortgage products.
Ed Powell NMLS ID #1451724 Mortgage Sales Manager 828-736-6190 ed.powell@citizensbank.com lo.citizensbank.com/epowell
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Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. Equal Housing Lender. 1509050_HL21_EdPowell_LOAd
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BENEFITS OF BUYING OR SELLING A HOME DURING THE HOLIDAYS
Holiday time is here! This is a time of spending time with family, time off of work, going shopping, gifts, food and so much more! Imagine in addition to all of this, buying or selling your home. Typically, most people wait until after the holidays to continue their real estate pursuits, but for the ones that still want to get the job done during the holidays, keep on reading!
LESS COMPETITION Due to the fact that this year has been a huge boom in real estate, it isn’t guaranteed that this will be true, however in past years, this has been the case, and experts are predicting that real estate will experience a dip. This is because people want to just enjoy their holidays. They want to spend time with family and go shopping instead of going out to see homes and negotiating offers with their real estate agents in tow. This is the time of year that people spend the most money on gifts. From black Friday to Christmas coming up, people allocate their funds to that instead and decide to house hunt after New Years.
POTENTIAL FOR NEGOTIATION With less competition, comes less offers on the seller side, so this benefit caters to the buyer. Since it is predicted to be less offers on homes, the seller may be more open to negotiating. From the price to contract terms, to the closing date, these are all things the seller may be more lenient about negotiating. So play your cards right, get a good real estate agent and you may get yourself a good deal!
END-OF-YEAR TAX BREAKS This is another plus for buyers. After purchasing your home, you have the opportunity to squeeze in a tax write off. Homeowners can deduct the mortgage interest on primary residences up to $750,000, as well as other deductions such as property taxes and more! For select states, you might also be able to deduct moving expenses! Do your research or reach out to a tax professional for more info.
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EXTRA-MOTIVATED BUYERS AND REALTORS When selling your home, it is great to deal with buyers and realtors that are extra motivated to get the deal closed. Of course, with the market we have been in, we have seen the motivation from these parties, but during the holidays, your realtor has more time to get creative with your marketing efforts, and make that home stand out more. In addition to there being less buyers, there are also less sellers. Sellers also tend to take the time off to enjoy the holidays, so buyers are super motivated to find that dream home and move through the process quickly. If you live in warmer area markets such as Florida, homes tend to sell even faster.
MORE TIME FOR HOUSE HUNTING With multiple breaks from work and school, it frees up more time for people to be able to go out and hunt for homes. This change in availability is a plus for all parties and allows more time to see more properties. The other plus for sellers in this case is that the can put up their beautiful Christmas lights or other holiday decor and provide a nicer curb appeal to potential buyers. Non-US buyers that are visiting may also be able to find time to house hunt as well! From the tax breaks to the decrease in competition and more, there are so many reasons why shopping for a home during the holidays is a steal! Here at Premium Properties, we have amazing agents ready to help you buy or sell your home year round! Now get out there and buy or sell that home!
Need some official home services? We encourage you to look at zurkel.com that offers local services rated the best in all of Florida! Any questions? Please feel free to reach out to us: Premium Properties Real Estate Services 564 N Semoran Blvd Orlando, FL 32807 Interested in buying, selling or renting? We are here to help! Call us (407) 380-2800 or visit PremiumProperties.com
- Adriana Nelson
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2221 Lee Rd, Suite 21, Winter Park, Fl 32789 Admin@NextDimensionConstruction.com
O: (855) 643-ROOF C: (689) 221-0043
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CHECK OUT OUR CENTRAL FLORIDA PROPERTIES
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SCAN ME
8445 WHITE POPLAR DR
1793 SCRUB JAY RD
2912 CIALELLA PASS
Check out our listings at: PremiumOrlandoProperties.com Also, check out our main company site: PremiumProperties.com 10
CHAD BORDNER, CPI
John McLaughlin 2553 Park Drive Sanford - Florida - 32746 Cell: (407) 446-2133 Store: (407) 322-3241 John@SanfordCarpet.com www.SanfordCarpet.com
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CHECK OUT OUR EAST COAST PROPERTIES Check out our exclusive list of East Coast Properties on the market right now! BREVARDPREMIUMPROPERTIES.COM
Melbourne Beach 3830 South Highway A1A, Suite A5 Melbourne Beach, Fl 32951 (321-372-7046)
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1087 ELMSFORD ST NW
175 S BROADWAY
Cocoa Beach 5675 N. Atlantic Ave. Suite 102 Cocoa Beach, Fl 32931 (321-613-4650)
SCAN ME
951 TOPE ST
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Zurkel provides you with a smart set of tools to showcase your business and connect to your Central Florida community. Check it out at Zurkel.com
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THIS IS WHY YOU BUY WHEN INTEREST RATES ARE LOW
We get it, being able to get that dream home at a lower price is amazing and what most people aim for. A part of a real estate agent’s job is to negotiate that fair price, but a bigger impact on that 30 year, 15 year mortgage is not the price that the home was sold at, but the mortgage rate. A mortgage rate is the rate of interest charged on a mortgage. This rate is determined by the lender, and it can be a fixed or variable rate (it fluctuates.) Here we will give you our top 3 reasons why you should pay attention to the rate of the mortgage, instead of the sales price.
IMPACT ON YOUR DOWN PAYMENT Your down payment on your new home is essential to closing the deal. When you put down a larger down payment, your rate will be lower, because the way rates work is, it’s determined based on the level of risk the lender is taking by taking on your loan. If you put more down, it is less risk for them, so our advice here is to make the down payment as large as possible. We will go more into depth below why you want to aim for that lower rate. Rates are even better when you aim for 20% down. Know what is best for you and your budget and save as much money as possible prior to looking at homes.
IMPACT ON YOUR MONTHLY PAYMENT We all want that amazing home with a low monthly payment. The way loans work is there is the principal and the interest. The principal is the amount you agreed to pay (the home price) and the other factor is the interest, i.e the mortgage rate. After putting down a good down payment to get a low rate, this will be factored into your mortgage, so a lower interest rate = lower monthly mortgage payments.
HIGHER RATES MEANS YOU PAY MORE OVER THE LIFE OF THE LOAN Saving money is something that many people aspire to do. Let’s say you want a home that lists for 300,000 and you purchase it on a 30 year fixed mortgage. 30 years from now, would you rather have paid 485,000 for that home, or 579,000? No brainer right? You would definitely want the first option. This is the impact that interests rates have on the long run. The first price is with 3.5%, the second with 5%. So, long story short, having a lower interest rate should be your ultimate goal when purchasing a home (or when getting a loan in general.) Now that you have a better understanding, start saving and go get your dream home!
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A BETTER WAY TO SELL
REAL ESTATE Since 1999
RESIDENTIAL PROPERTY MANAGEMENT COMMERCIAL BUSINESS BROKERAGE
NO FEES NO FRANCHISE FEES We don't charge a fee to use our name for your success. We know people buy from people. NO MONTHLY FEES Use our technology, office, signs, agent support, and so much more!
OUR SERVICES PRINT MARKETING: Postcards, Flyers, Business Cards, Personal Marketing Material, and so much more!
TECHNOLOGY: Matterport,Video Marketing, Social Media, Virtual Tours, Virtual Staging, Photography
Education: We are focused on staying up-to-date with everything real estate. Our mentors provide assistance from start to finish for your first 3 sales.
WE ARE LOOKING TO GROW & WE NEED YOU! We have been in the business for more than 20 years, so we know what agents need from their brokerage. We want agents to have resources available to 15 use whenever they needPREMIUM it! PARTNERS . 407-380-2800 . PremiumProperties.com
CALL US: TONY LEGAKIS (321) 594-0070 564 N Semoran Blvd Orlando, Fl 32807
PROS AND CONS OF REFINANCING YOUR MORTGAGE
Now is the perfect time to ref inance your mortgage. With rates still very low, many homeowners have rushed to lenders to lower their monthly rate. Before you go in and get it done, we want to provide you with more information on what you’re getting yourself into. Keep reading on to get the pros and cons of ref inancing your mortgage.
THE PROS OF REFINANCING YOUR MORTGAGE First we’ll go into the pros. Below we detailed each one.
-Lock in a better interest rate: This is the obvious reason that people refinance their loan. If you for example purchased your home at 7% interest, refinancing allows you to decrease that to lets say, 4.5% so that you pay less over the life of the loan. This makes a big difference in the long run and will be more money in your pocket. This will also lower you monthly payments.
-Pay off your home sooner: Let’s say that you have a home at the common 30 year mortgage
contract. Now that your rate is lower and your monthly payments are lower, you may be able to afford doing a 15-year loan. This way, you not only will pay off your home sooner but you will pay less in interest.
-Tap into your equity: One of the pluses of being a homeowner is collecting equity from the
home. You can do a “cash out refinance” meaning that you can take out that equity and use it towards maybe paying off debt or other things. There are no limits on how you choose to spend your equity.
-Get rid of PMI (Private Mortgage Insurance): Private mortgage insurance is an additional payment on your mortgage when you put down less than 20%. This is the lender’s way of ensuring protection for lending out the money for your home and it is usually required by the lender and provided by private insurance companies. When you refinance, you have the option to remove this if you already have 20% of your loan paid off. Some home loans will have this automatically drop off but for home loans such as FHA, refinancing is required to remove it.
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THE CONS OF REFINANCING YOUR MORTGAGE Below we have detailed the cons. Keep reading on for more information!
-You will have to pay closing costs Just like when you first purchase a home, you will have to pay closing costs. Closing costs include things like legal fees, to an appraisal to a loan origination fee. These costs are typically 3-6 percent of your mortgage principle, so you have to be ready to pay at least a few thousand dollars. Some lenders will advertise doing a no closing cost refinance but they will still factor in the cost overtime, such as a higher interest rate or paying a little bit extra every month. Regardless, do your research and calculations so that you are prepared when they present you with the bill for refinancing.
-Monthly payments could be higher Refinancing into a shorter term mortgage is a great way to pay it off sooner and save money in the long run. If you have 25 years left out of a 30 year mortgage and refinance to a 15 year mortgage with that goal in mind, your monthly payments will increase. If this is an option you want to do (you don’t have to refinance to a shorter term loan) make sure to factor it into your monthly budget.
-Increasing your term length will cost you in the long run Lets say you want to do the opposite and extend the term of your loan. You have a 30 year loan, with 22 years left to pay, but want to make it 25 so that you have a lower monthly payment. Although your rate will probably be lower than it was prior to the refinance, you will have another 3 years of paying interest. When taking this route, be aware of what you’re getting into and although the monthly payments will be less, know that it will be more expensive in the long run. Now that you’re more equipped with the knowledge of refinancing your mortgage, it will help you make better decisions when negotiating with your lender. Refinancing can be a great opportunity for you and possibly save you tons of cash in the long run. Just know that you have other options as well and empowering yourself with research will help you decide what is best for you.
-Adriana Nelson
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PREMIUM PROPERTIES LUXURY HOMES 3708 FARM BELL PL, LAKE MARY, FL 32746 5 Bedrm | 8 Bath | 5,467 Sq Ft O5972460 | $2,600,000
Exotic house in excellent location on Lake Mary Blvd. Fully Furnished, Beautiful infinity pool design fully equipped , summer kitchen, beautiful night lights at pool area , large size enclosure screen. Beautiful landscaping with night lights. Excellent Neighborhood. Italian design property in Steeple Chase community, over one acre ,Fully upgraded.
ABDELHAMID DGHIRNI Direct: 407-575-2891 hamiddghirni@gmail.com
7463 MARKER AVE, KISSIMMEE, FL 34747 8 Bedrm | 8 Bath |4,733 SqFt O5970253 | $989,000
Welcome home to this gorgeous fully furnished, spacious 8 bedroom and 8 bath luxury vacation property!! Walk into a modern open floor plan that is professionally decorated, features a theatre room with a popcorn machine perfect for after a long day at your personal pool or the community private waterpark!
JASON ACUNA
Direct 407-760-3077 jacuna1premiumrealtor@gmail.com
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PREMIUM PROPERTIES LUXURY HOMES 315 N SWEETWATER BLVD, LONGWOOD, FL 32779 4 Bedrm | 3/1 Bath | 2,560 Sq Ft O5978222 | $684,900
Traditional home on corner lot in beautiful Sweetwater Oaks. The yard is meticulously maintained. As you enter through the leaded glass doors, you have an elegantly appointed sunken living room with white baseboard and ceiling crown molding throughout and eight Tuscan columns. Complete with two large secondary bedrooms.
TIM VAN ANTWERP Direct: 407-758-8529 envisionthewin@gmail.com
6508 FAIRWAY HILL COURT, ORLANDO, FL 32835 5 Bedrm | 3 Bath |2,986 SqFt O5975431 | $610,000
Welcome home! If you are looking for a beautiful 5 bedroom 3 full bathroom detached home in the affluent side of Metro West, then look no further. This beautiful, updated family home is the epitome of living in Florida. With a private, screened, saltwater pool that is solar panel heated. This home is Just shy of 3,000 sqft,
RAJ WASU
Direct 321-301-6881 ranjit@ranjitrealty.com
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PREMIUM PROPERTIES LUXURY HOMES 4460 CYPRESS CREEK RANCH ROAD, SAINT CLOUD, Florida 34771
4500 CYPRESS CREEK RANCH RD, SAINT CLOUD, FL 34771
3 Bedrm | 2 Bath | 980 Sq Ft O5941113 | $550,000
3 Bedrm | 2 Bath |4,954 SqFt O5940485 | $1,500,000
Located in the highly sought after community of Debary Golf & Country Club. Upon entering, you will find detailed craftsmanship that was carefully selected throughout the home. The family room displays a custom- built entertainment cabinet, a gas fireplace and surround sound making this room perfect for memorable family gatherings.
JACOB EASON
Direct: 352-360-3494 jacob.eason.realtor@gmail.com
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26.57 acres! Charming mini ranch with plenty of green grass for livestock and ponds for water. Fenced and cross-fenced with a privacy buffer of beautiful cypress trees. Full of beautiful birds and graceful deer. The property has been sub-divided into five 5 acre lots. You can sell part of the land or keep it all for yourself! The 3 bedroom house sits back from the road with a view of the pasture.
CINDY LEE MOORE Direct 407-922-7355 cindyleem2@gmail.com
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CHECK OUT OUR LAND & COMMERCIAL PROPERTIES
SCAN ME
Concord Rd.
Westbrock Rd.
2039 N 6th St
Check out our listings at: PremiumOrlandoProperties.com Also, check out our Commercial Property Site: CommercialPropertyOrlando.com
SCAN ME
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THE PERFECT CHRISTMAS GIFTS FOR A NEW HOMEOWNER
There’s nothing like moving into a new house. One way to help f riends and family make their homes feel more like home is a great housewarming gift. With the holidays coming up and stores releasing amazing deals, there are many options to doing just that on a budget. Below we have provided a couple gift ideas you can take advantage of to give them the best Christmas gift and make their home feel more like home.
FOR THE KITCHEN 1. Cheese board set 2. Kitchen dish towel set 3. A coaster set 4. Microwave rice cooker 5. Freestanding wine rack 6. Bartender kit to make drinks after a long day at work 7. Purify air f ryer
FOR THE LIVINGROOM 1. Floral Bouquet Ceramic Diffuser 2. Personalized Throw Blankets and pillows 3. Family name sign 4. Pineapple candle (or any candles in general) 5. Storage baskets 6. Sunset vase
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FOR THE HOME OFFICE 1. Custom return address stamp 2. Salt lamp to give the room a nice glow 3. A magazine subscription 4. Round memo board
FOR THE BATHROOM 1. Bathtub tray with wine holder 2. Towel set 3. Nice shower curtains based on their home theme or something they like 4. Backlit LED mirror 5. Personalized bathroom accessories Now that you have this amazing list to get for a new homeowner for the Christmas time, get out there and research deals! From online platforms like Amazon, to store deals at the malls, to sites like Etsy to get personalized items, there are so many options to get your loved ones the perfect gift! Happy holidays!
-Adriana Nelson
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CHECK OUT OUR RENTAL PROPERTIES
SCAN ME
4418 Azure Isle Way
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We have a great list of not only From Downtown Orlando commercial properties, but also to Kissimmee tobuild Eustis, we have residential lots to your dream homes all over Central Florida! homes! Scan the QR Code below to see our most Check out the link below or up-to-date list of available rental scan the QR code! properties!
4823 Marcos Cir.
8850 Grand Palms Cir.
Check out our move-in ready rentals: PremiumRentalMgmt.com If you’re interested in renting your home through us, learn more about our services here: PremiumRentalMgmt.com/Property-Owners
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8 LOCATIONS SERVING CENTRAL FLORIDA AND THE SURROUNDING AREAS Main Off ice: 564 N. Semoran Blvd., Orlando, FL 32807 Lake Mary: 4227 W. Lake Mary Blvd., Lake Mary, FL 32746 Lake Nona: 10645 Narcoossee Rd., Orlando, FL 32832 Cocoa Beach: 5675 N. Atlantic Ave. # 102, Cocoa Beach, FL 32931 Melbourne Beach: 3830 South Highway A1A, Suite A5 Melbourne Beach, FL 32951 Seminole Towne Center: 200 Towne Center Cir, Sanford, FL 32771 Dr. Phillips: 7521 W Sand Lake Rd., Orlando FL 32819 Altamonte Mall: 451 E Altamonte Dr. Altamonte Springs, FL 32701
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