Phew it's been a year of hard work and dedication to not only myself but to my clients and my business. Through that hard work and dedication I have been able to achieve RE/MAX's coveted Platinum Club Status.

I wasnt sure if I would be able to do it but with 40 days left in the year, it's official! I want to give a big Thank You to all my customers who continue to refer me to their friends and family and who allowed me to help them with their biggest and most special financial purchase in one's life.

It's been an honor working with and building relationships with each and everyone of you and I look forward to many more great years to come!

My grandmother always said when the streets run red with blood buy buy buy! Now is the time people, a down market is a great time to purchase, the sad part is most people do it backwards and jump on the band wagon when things are good and get into bad situations. Take advantage of this down market and invest in your future, plus for most of you Uncle Sam is giving out FREE money.

This month we have had the pleasure of helping many buyers purchase their first home to investment properties. As an reo listing agent I have the insider tips and tricks it takes to get my buyers deals accepted on bank owned homes in the Orlando area. Let's take a look at the amazing deals this past month that my buyers have had the opportunity in purchasing. Values represent homes in their current condition.

Address Purchase Price List Price Appraised Value

Beechdale Ct  $50,000 $67,500 $85,000

  Sugar Bend Dr    $18,000 $30,000

Belhaven Dr $200,000 $200,000 $222,000

S Old Mill Dr $130,000 $135,000 $137,000

Cunningham Dr $38,000 $39,000 $46,750

If you are ready to purchase your first home or investment property allow Heather Joubran and her team at Heather The Realtor show you how they cannot not only get you the best deal on a bank owned home, but get that deal accepted. We have a long list of REO/ Bank Owned Properties in our own inventory for quick purchase too!

As a first time home buyer there are generally many stresses that come along with purchasing that first home, almost like planning a wedding. You want everything to be perfect, you want the whole thing to be beautifully orchestrated and when it's not just right, when one little thing goes slightly in the wrong direction first time home buyers tend to freak out and go into panic mode.

With the right Buyer's Agent in your corner this shouldnt be the issue. The Realtor is there to help asses your fears and the situation and disseminate the problem. A good agent often times wont even let you know the hurdles or problems that occurred just like a good wedding planner. 

So here are some tips from working with hundreds of first time home buyers like yourself that might help calm your fears or anxiety.

1. Take a deep breath and step back for a second. There will most likely be a few events that arise in the process of purchasing your first time home that feel like major hurdles or road blocks. Remember when you have a good agent that is what they get paid to do is take care of those speed bumps and get you towards your finish line. So take a deep breath, now if your agent sucks completely freak out and RUN! (just kidding)

2. If you are unsure about a step in the home buying process or just want affirmation on purchasing your Orlando home ASK dont be afraid to speak up and say I dont understand or could you affirm something has been done, when will or should this take place. Sometimes even the best of agents can forget to mention something or often get caught up in their day to day Real Estate lingo and might say something you dont quite understand.

Remember no two deals are alike but your Orlando Buyers Agent has the training and knowledge to get you through your hurdles and on your way to home ownership. So it's important to not just choose any agent. It's important to interview the agent make sure you guys are going to mess and even throw in a scenario or two to see how that agent might react. You are spending your hard earned money on your new home and want to make sure your agent is working hard for you!

Heather Joubran   407-810-6304   Heather@HeathertheRealtor.com  www.HeatherTheRealtor.com

Just listed a new investment property in Clermont on the shores of Lake Minneola. This great REO property has 7 buildings and 9 rental units ranging from 1/1 to 2/1 units. All units have fresh paint and new carpet. In the past the 2/1 units have rented for as much as $1000/mo however a more realistic average is $600. Property is also a great investment for later tear down and rebuild as most homes that sit along this shore are million dollar properties.

This bank owned property is listed at $425,000 and the bank is looking for an offer. If you are looking for a 10% cap rate then this is the property for you.

Contact me for more information   Heather@HeatherTheRealtor.com  or 407 810 6304  or visit www.HeatherTheRealtor.com

 Have you dreamed about living in Oviedo? Looking for new construction? 

New Construction Town Homes in Oviedo for less then you pay in rent.

I have negotiated a deal with a local builder who is trying to sell off their inventory right here in Oviedo. There is a limited quantity of these units availble at this pre-negotiated price. These are NOT condo conversions and are newly built town homes.

Community features a pool and playground, easy access to 417, UCF and all that Oviedo has to offer.

All monthly payments include (HOA, Taxes, interest, insurance and mortgage principle), all you need is $6000 to move in. Or better yet qualify for a $5000/$7500 free government Bond Down Payment Program. With this home purchase you qualify for the $8000 First Time Home Buyer Tax Credit available to Oviedo First Time Home Buyers.

Unit A   3 Bedrooms/2.5 Bathrooms  1 Car Garage - Covered Patio, 42" Cherry Cabinets, Silestone Countertops, SS appliances $162,900 or $1397/mo

Oh yeah forgot to mention.... ALL CLOSING COSTS PAID 

 Using the bond program and closing cost assistance it's possible to move into this home for as little as $1700 and get $8000 back from the Government

If you are an Oviedo First Time Home Buyer looking for a steal of a deal, then look no further, contact me today and start packing!

Heather Joubran   407-810-6304   Heather@HeathertheRealtor.com  www.HeatherTheRealtor.com

Downtown Orlando has a new Mexican Restaurant in town Mucho Tequila Mexican Kitchen. The name will be a tongue twister after a few drinks at this place. Also dubs as a tequila bar. The new restaurant is having their grand opening Thursday November 19 2009 from 6-9 pm. This restaurant is brought to you by the owners of Stardust Lounge and will surely be the next hot spot in Thornton Park.

The Mucho Tequila Mexican Kitchen is located across from the Sanctuary and below 101 Eola. Hope to see all the local urbanites at this new restaurant and bar!

Orlando Home buyers you have heard it hear first. The Extension of the First time Home Buyer tax credit and addition of the move up buyer credit is official it has passed the house and senate and sits for the President to sign tomorrow. IF you want to go to my previous post to read more about the Home Buyer Tax Credit. 

This is great news for people selling Orlando Real Estate and Lake Mary Real Estate and for home buyers of all kinds to take advantage of the low prices, low rates and now the free money. 

Orlando & Lake Mary First Time Home Buyers have something to be happy about this morning. The First Time Home Buyer Tax Credit has passed the Senate last night with a majority vote of 98-0. Now the bill goes to the House where it could be voted on as early as today.

The passing of this bill is great news, but what's even better is this tax credit not only applies to first time home buyers but to home owners looking to purchase a move up home. I think this is the last little boost the housing sector needs to keep the ball rolling in the right direction and help it stabilize some. Lets take a look at what this Home Buying Tax Credit entails. 

First Time & Move Up Buyer Tax Credit

$8000 for First Time Home Buyer*

$6500 for Move Up Buyers*

Homes must be under contract by April 30, 2010 and close by June 30, 2010

For Men/Women serving our country outside the US the tax credit is extended an additional year til April 30, 2011

* What makes you a first time home buyer - anyone who hasnt  owned a home in the last three years and as a single filer makes less then $125,000/yr or joint $225,000

** What makes you a move up home buyer - Someone who has owned their current home at least five years and same income limits apply.

It's not a done deal yet but with the large support in the Senate it's said to pass the House quite easily. If you have been thinking about purchasing Lake Mary Real Estate or even Orlando Real Estate then now is the time. Leaders are saying this tax credit will not be extended again. 

Real Estate in the Central Florida area is some of the lowest it has been in years, coupled with the tax incentive and very low interest rates you have the perfect home buying storm.

For more information on being a First Time Home Buyer and how to get started read my guide to Buying your First Home - You only get one First.

But if you're a more saavy and experienced Home Buyer looking to move up and tax advantage of the new tax credit read my site on Moving with Families & Relocation.

Get started on your search visit HEATHER THE REALTOR stop by the site to chat live, give me a call at 407-218-5099 or email me at Heather@HeatherTheRealtor.com

Downtown Orlando well to be exact SODO is welcoming the newest addition to the Chick-Fil-A chain on Orange and Michigan Ave tomorrow. As part of this great opening celebration Chick-FiL-A in downtown Orlando will be hosting their First 100 Fans promotion. This promotion gives the first 100 people in line free Chick-Fil-A for a year. Yup for a full Year! 

Anyone 18 and over will receive vouchers for 52 weeks towards the use of a free combo meal. I am half tempted by this deal to go camp out, I love Chick-Fil-A just not sure my waist line can handle that :)

If your in the Downtown area and feeling like a free year of Chick-Fil-A then stop by their grand opening and be one of the first 100 fans in the door.