LISTING AGENT IS A CERTIFIED SHORT SALE SPECIALIST - PRICED TO SELL QUICKLY!!  Great opportunity to own in prestigious Mar Del Plata condo. Oversized 1,412 square feet 1-bedroom with majestic OCEAN, INTRACOASTAL and CITY views, lots of light with FLOOR TO CEILING WINDOWS - Building boasts large heated pool, jacuzzi and PARTY ROOM WITH PANORAMIC VIEWS - MUST SEE...LISTING AGENT IS A CERTIFIED SHORT SALE SPECIALIST - PRICED TO SELL QUICKLY!!  Great opportunity to own in prestigious Mar Del Plata condo. Oversized 1,412 square feet 1-bedroom with majestic OCEAN, INTRACOASTAL and CITY views, lots of light with FLOOR TO CEILING WINDOWS - Building boasts large heated pool, jacuzzi and PARTY ROOM WITH PANORAMIC VIEWS - MUST SEE...

Priced to sell - Not a Short Sale! Great unit on strategically located and very well maintained Mantell Plaza Condo. Unit has tile floors throughout and complete kitchen. Building boasts GYM, POOL & elevator. Walking distance to Lincoln Road and minutes walk to the ocean over convenient footbridge. Ideally located near Publix, library and a plethora of restaurants and shopping. Do not miss seeing this lovely unit. Ideal beach pad and investor's dream!

Priced to sell - Not a short sale! SPLENDID condo w UNOBSTRUCTED OCEAN & CITY VIEWS throughout. PRIVATE luxury high-rise w only 4 condos/floor. 2/2 upgraded & reconfigured for BRIGHT, AIRY open floor plan w convertible den. 5 closets incl 2 his/her WALK-INs w safe box, mstr BA w DUAL SINKS, granite kitchen. Walk to restaurants and new Canyon Ranch or just minutes to Lincoln Rd, Surfside, Bal Harbour. Beach is just out your front door. Easy to show. Available designer furnished.

LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST. AMAZING DEAL for 2 bedroom unit in desirable Magnolia Lane lake front community.  Condo is in PRISTINE CONDITION and boasts DISHWASHER and spacious tranquil BALCONY.  Fabulous amenities include:  POOL, GUEST PARKING and CLUBHOUSE. Complex is conveniently located next to WELL RATED SCHOOLS, SHOPPING & TURNPIKE.  Priced to sell

Spectacular 525-sq. ft. wrap  around terrace with breathtaking views of Biscayne Bay & Downtown Miami. This unit features: High  ceilings, impact resistant windows and sliding glass doors, stainless steel appliances, European cherry  style cabinets and uba-tuba granite countertops. Full size Maytag washer and dryer in unit. Full ammenity  building which includes: State of the art gym, pool, spa, steamrooms/sauna, Valet, Security.

LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST - REMODELED, LOWER PH unit with 2 BALCONIES on most desirable location of the building facing EAST OVER SOUTH BEACH. Unit boasts DISHWASHER & NEWER AC UNIT.  Maintenance includes CABLE TV & PEST CONTROL. Building features POOL, 1 ASSIGNED PARKING SPOT to full time residents.  LARGE PETS & RENTING welcome and building just passed 40 year inspection!  One block to LINCOLN RD shopping, movie, restaurants. Hurricane panels for the balconies. MUST SEE!

LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST. Great opportunity to own a beautiful 3 BED+DEN / 2.5 BTH townhouse on very desirable International Princess complex. Great location very close to FIU, turnpike and Shopping centers, 2 assigned parking spots right in front of the unit, amazing vaulted ceilings, private patio and plenty of visitor parking. Must see!

LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST - DRASTIC PRICE REDUCTION!! - Beautifully remodeled home in the heart of Miami Beach. Wood and Italian Tile Floors, Natural Gas Fireplace, Walk in Closets, Custom Built-ins, Stainless Steel Appliances & Custom Modern Cabinetry in Kitchen, Lagoon Style Pool, Wood & Coral Decking, Natural Gas BBQ, Screened Patio, 1 Car Garage (car or workshop). Emergency Natural Gas 15 KW Generator, Shutters, Sprinkler & Alarm System.

LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST. STUNNING CONDO & WATER VIEWS in BEACH, KEY BISCAYNE. Remodeled kitchen boasts GRANITE COUNTER. WASHER/DRYER, WALK-IN CLOSETS, COVERED PARKING & CABLE INCLUDED IN RENT. Building boasts LARGE GYM AREA, POOL jACUZZI OVERLOOKING THE BAY, MEDIA ROOM. VACANT & EASY TO SHOW!!!

LISTING AGENT IS A CERTIFIED SHORT-SALE SPECIALIST** GORGEOUS BAY VIEWS from STUNNING REMODELED JUNIOR ONE BEDROOM in the HEART of SOUTH BEACH on desirable WEST AVE!!* Kitchen boasts GRANITE COUNTER TOPS, STAINLESS STEEL APPLIANCES, DISHWASHER, etc. CUSTOM ART DECO GLASS BLOCKS separate bedroom area, CALIFORNIA CLOSETS, extra shelving for storage in bathroom, NEW IMPACT RESISTANT WINDOWS w/ custom window treatments make this unit a MUST SEE! Building features BAYFRONT POOL and PARKING available for lease.

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!