Aventura & Sunny Isles Beach Luxury Real Estate

How interesting life might be if we were able to know before we said a word, did anything, or spent any money what the outcome would be. Imagine if you already knew what would happen as a result of any action you took. Would everyone choose to be rich, famous, or successful? Who knows? Unless it was to know a cure for illnesses and be able to spare a life, or to ward off any life-threatening disasters, and save so many from distress, our choices are probably better left decided based on what we know in the here and now. With intense projections and predictions well beyond what we ever knew before, we rely on the expertise of the educated in a vast amount of fields to guide us through our lives. We make our decisions and our choices based on facts, figures, likes, dislikes, availability, whims, and practicality. This is the game of LIFE. We take who we are, what we have, what we want, and move through the board partaking in all life has to offer us. Many choices face us each and every day of our lives. Buying a home is one decision you may have to make several times. If you had a crystal ball right now, and could use it to see where and how you would spend your money what would you do? Fortunately for you, that is why we are here. Koslovsky Realty can help you see the real estate market in a clear view. We can explain to you your options and show you what is available. We work from years of experience and although we cannot predict the future, we can guide you through what has historically been great value and where you might be best suited.
by
Susan Koslovsky

Has the ultimate American Dream of owning your own home has tarnished over the last few years? We hope not. In days of yesteryear that was the hope of every young couple planning a future together. Remember saving for the down payment and planning out each and every expense to be able to afford your dream home? Each piece of furniture was carefully planned and positioned, while family was invited over to help celebrate your real estate hold in this world. Having a mortgage was a status symbol and your dream come true. With tax laws changing over the years, the interest on your mortgage debt were the only thing you could claim so even those who eventually paid off their first mortgages refinanced and started over again perhaps with mortgages in shorter year amounts to accommodate plans for retirement with no mortgage payments in the picture. What a beautiful dream. But ramped spending, credit card debt beyond control, as well fallen house prices has shown us the realities of having a mortgage and home ownership. It’s scary out there for a lot of people; hard working people, who had a plan to work, save, invest for retirement, and enjoy the fruits of their labor. Many have homes worth less than they need to sell based on what they owe. How did everything get so upside down? For some, greed took the better of them and in order to further their spending needs, refinanced when the home values were high. Now they sit with mortgages exceeding the worth of the home. But for many, who continue to pay their mortgage and keep their credit in tact even though their homes may no longer be worth it, your honor is to be commended. Seek financial advice to help you make the right decision for you. No two situations are exactly alike, and don’t put yourself in someone else’s shoes. If and when you decide to sell, call us for advice, ideas, and most always results.

by
Susan Koslovsky

With real estate prices at an all time low, there are several myths circulating the conversations everywhere. They seem to be self perpetuating and really need to be deterred. The real estate market is the target of much criticism and unfortunate frowning at, but it should not be looked upon in quite the desperate portrayal that has been painted. The first myth on the street is that Sellers are Desperate. In fact only about 10% of the Sellers may be in that type of situation. Just because a house has been on the market for a long time does not a desperate Seller make. Sellers sell for a variety of reasons, and if you want to know why, just ask. The answer to that question will tell you if that seller is truly motivated and IF you can get a good deal. A Seller, who is selling because they want to see if they can buy a bigger home, is not as motivated as you might need to get a good deal. The next myth is that you shouldn’t buy until the prices have come all the way down. The problem with that is that by the time the prices have come down as low as they will go, they are already on their way back up. By that time the Best Is already gone and you don’t have the same choices. The better homes have already been sold. Another myth circulating is that you HAVE TO buy with 20% down. This is not true. Speak to your lender for financial advice to see the other options out there. The fourth myth scares homeowners across the board and that is that it is the absolute WORST time to sell. This couldn’t be farther from the truth. You will sell for less today than a few years ago but when you turn around and buy or rent you will be the recipient of a great deal on the other end. All of a sudden it doesn’t seem like the worst time to sell any more. Now, for those who want to refinance, the myth is that you should shop around to get the best deal on a new mortgage. Historically, shopping around for anything just makes people feel like they got the best deal in the end. The truth is most likely you will get the best deal with your current lender. They don’t want to lose you as a customer, and the closing costs will be far less. Save yourself a lot of time and energy. Lastly, there is no myth, only total truth that you will get the most from your agents at Koslovsky Realty.
by
Susan Koslovsky