**STUNNING PENTHOUSE W/DIRECT WATER VIEW** Beautifully REMODELED & SPACIOUS unit boasts large BALCONY, EAT-IN KITCH w/DISPOSAL, CROWN MOLDING THRU-OUT, TOP OF THE LINE HARD WOOD FLOORS, unbelievable CLOSET SPACE even fits an office inside!  FULLY RENOVATE, D building sits on the CANAL & features ZEN STYLE LOBBY, relaxing WATERFRONT POOL w/BBQ area, DOCKAGE AVAIL, SAUNA & only minutes to luxurious BAL HARBOR MALL, DINING & BEACHES.  Must see...

UNIQUE STUDIO on first floor of DESIRABLE BRICKELL PLACE.  Features MURPHY BED, TILE FLOORS, FULL KITCHEN.  Convenience of parking right next to entrance.  Owner claims it is possible to purchase an OCCUPATIONAL LICENSE for your business -- do your due di, ligence! These units almost never come on the market...fabulous opportunity to own in building w/world class amenities -- 2 POOLS, GYM, TENNIS, RAQUETBALL, 24HR SECURITY, 2 KIDS PLAY AREAS, BBQ & more!

STUNNING DIRECT WATER VIEWS of Biscayne Bay, marina and Key Biscayne in UNIQUE TOWNHOUSE  with DRAMATIC 20 FT CEILINGS.  BOAT LOVERS PARADISE!  Steps to MARINA & 2 PARKING SPOTS just outside your door.  Boasts SPACIOUS MASTER and 3 levels.  PRIVACY of single family home & convenience of FULL RESORT AMENITIES: 2 POOLS, MARINA (dockage avail), TENNIS, FITNESS CENTER, RACQUETBALL, BBQ & MORE.  Only blocks to MARY BRICKELL shopping and dining on Brickell Ave!

DRAMATIC PANORAMIC views of BAY & DOWNTOWN COCONUT GROVE!! Unit features WRAP AROUND TERRACE, WALK-IN CLOSET, GRANITE counter tops, LOTS OF LIGHT.  ONE-OF-A-KIND RENTAL OPPORTUNITY & FLEXIBILITY to utilize as a 2 BDRM or split into STUDIO + ONE BDRM so yo, u can rent one & enjoy the other!  UPSCALE CONDO HOTEL boasts resort style living w/WORLD CLASS AMENITIES: VALET, POOL, FITNESS CENTER, RACQUETBALL COURT & more. Located in the CENTER of COCONUT GROVE, walking distance to COCO WALK shopping & dining

STUNNING CITY & BAY views from SPACIOUS 1,395 SQ FT CORNER UNIT in one of most desirable lines in building!  Unit boasts WIDE GRANITE COUNTER TOPS, STAINLESS STEEL appliances, HIGH CEILINGS, large TERRACE, floor to ceiling WINDOWS and extra HALF BATH.  On, ly blocks to MARY BRICKELL VILLAGE dining & shopping.  Building boasts WORLD CLASS AMENITIES: FITNESS CENTER, POOL, PARTY ROOM, POOL TABLE, THEATER ROOM, BUSINESS CENTER, 24 HR VALET & more!!! (Square footage as per developer documents) Must see...

Centrally located MIAMI BEACH HOME boasts SOLID BONES & lots of charming BUILT IN CABINETRY.  Solidly maintained and awaiting personal touches/upgrades from new owner.  NEWER ROOF, 2 AC units, GENERATOR, ACCORDIAN SHUTTERS thru-out.  Features WOOD FLOORS,,  VAULTED ROOF, SUN ROOM, & plenty of ROOM FOR POOL.  LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST - Only one contract will be submitted to  the Bank! - See MLS attachments for instructions on submitting an offer for this property.

EXTRA LARGE TWO BEDROOM in desirable BAY HARBOR ISLANDS boasts spacious living area, bedrooms and plenty of STORAGE including addtl space on first floor.  Ready for new owner to update to own taste.  Located in WATERFRONT building w/REMODELED LOBBY, POOL , AREA & DOCKAGE available for boating lovers.  Walking distance to OCEAN and famous BAL HARBOR MALL.

Stunning REMODELED CORNER unit w/ STAINLESS STEEL APPLIANCES. Expansive BAY VIEWS, OVERSIZED BALCONY and cruise boat views in distance from DESIRABLE SOUTH VIEW. FULL SERVICE BUILDING offers 24 hour VALET PARKING, RESTAURANTS, waterfront POOLS, TENNIS, GY, M, SAUNA, MARINA (for rent.) Walk across Venetian Cswy to SOUTH BEACH & Lincoln Rd, across from OPERA HOUSE, ARENA. ELECTRICITY & CABLE included in maintenance.

Completely renovated TURN-KEY home. Spacious floor plan with 1,543 SQFT as per owner's architectural drawings.  New electric system, AC, plumbing, and more. Open designer kitchen with GRANITE COUNTERTOPS, LARGE ISLAND & NEW STAINLESS STEEL APPLIANCES. Top,  of the line bathrooms renovated to the taste of your most discriminating client. LARGE TERRACE FOR ENTERTAINMENT AND OUTDOOR ACTIVITIES. Great location, STEPS TO CORAL GABLES AND MIRACLE MILE, walking distance to shopping centers, restaurants and more.

LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST - Only one contract will be submitted to  the Bank! - MAJESTIC NEWER CONSTRUCTION on OVERSIZED LOT boasts HARD WOOD & MARBLE floors, GRANITE countertops, HI CEILINGS, CALIFORNIA CLOSETS and SUMPTUOUS PATI, O AREA great for entertaining. DOUBLE CAR GARAGE w/Chicago brick on entrance. Plenty of room for a pool. Home is located on outskirts of Coral Gables off of Red Road.  Enjoy the convenience of all the Gables has to offer, without having to pay the price!!

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

If you have not owned a home in three years, you qualify as a first time home buyer. If you buy a home after April 9, 2008 and before July 1, 2009, you qualify for this credit. Call your friends who just bought a home since April 9th and tell them they may take $8,000 off their tax bill if they qualify. It has to be your principal residence, so rentals do not count.

The tax credit is 10% of the cost of the home, up to a maximum of $8,000. This is not an additional deduction that lowers the amount of income to be taxed, it is a tax credit. In other words, you take $8,000 off your tax bill. But there is a catch; the credit you receive now is actually an interest-free loan that must be repaid.

The loan has no interest, and will be paid back over 15 years. You get the credit on your 2008 taxes, but you start paying it back on your 2010 taxes that are due in 2011, so you get at least two years without a payment. You pay back 6.67% of the credit each year, so for a $8,000 credit the payment is $502.50 per year. If you stay put for 15 years, you pay it off with no interest.

What happens if you sell the house? You pay the balance back at the closing. So, you get $8,000 now, and pay the rest of it back if you make money on the sale of your house. What happens if you do not make enough money when you sell your house? They forgive the rest of the debt.

Other restrictions stipulate that you have to buy your first house in three years before July 1, 2009, not have super high income, not use bond financing and buy anywhere in the US.

If you'd like to learn more about this program, please call me!