Orange • Osceola • Seminole • Volusia • Polk • Hillsborough • Lake
TODAY’S
REALESTATE M A G A Z I N E
Now ! Open
55+ Active Adult Apartment Homes to Orlando
Vol. 2 No. 1
entary Complimpy Co
www.TodaysFloridaRealEstateMagazine.com
WHY MXPVISION? Our Google Certified photographers use top of the line technology to develop a state of the art 360 virtual tour of your property.
CONTACT US TODAY
407-437-2362 www.mxpvision.com
Publisher & Founder Editor-in-Chief
Maggie Rosario maggie@cmdmagazine.com Copy Editor: Raúl Morales
8
Contributing Writers: Maggie Rosario Melody Rivera
Contents VOL. 2 NO. 1 5
Save Money with Senior Citizen Discounts
6
2020 Interior Design Trends On The Horizon
8
Overture Brings 55+ Active Adult Apartment Homes to Orlando
10 Tips to Help You Sell Your Home Faster 12 Starting a Home Remodeling Project: 7 Tips for Choosing a Qualified Contractor 14
Freedom Mortgage
Mireya Guillaume
Graphic Design: Mary Fichera Contributing Photographer: Evelyn Rodríguez Circulation Manager: Kenpco Newsstand/Bookstore Distribution: Kenpco For Advertising Contact CMD Magazine at: Tel: 1-877-552-2263 Tel: 1-877-552-2CMD Tel: 407-509-8010 Fax: 1-888-544-2407 maggie@cmdmagazine.com todaysfloridarealestatemag@gmail.com www.todaysfloridarealestatemagazine.com
www.facebook.com/CMDMagazine
Patience
•
comPassion
•
ResPect
Winter Garden Senior Home Care Caregivers have a gift for helping other’s loved ones. Because trust and loyalty are essential, we support our caregivers with ongoing training, supervisory visits and dependable 24-hour office support. All Caregivers are employees – bonded and insured. Winter Garden Senior Home Care
PHone / 407-347-2050 FAx / 407-614-3771
112 S. Main St., Winter Garden, FL 34787
www.wintergardenseniorhomecare.com
Mailing Address: P. O. Box 691991 Orlando, FL 32869-1991 Today’s Florida Real Estate Magazine is published four times a year by CMD Magazine, LLC. All rights reserved. All texts, photos and logo are copyright materials. Reproduction whole or in part without the written consent of Today’s Florida Real Estate Magazine is strictly prohibited. Today’s Florida Real Estate Magazine will not be responsible for the accuracy of statements. Opinions expressed are those of writers and not necessarily those of Today’s Florida Real Estate Magazine.
by Melody Rivera
any senior citizens are not taking advantage of special discounts offered to them by fast-food and steak restaurants, certain retail stores, special programs, and other services beneficial to homeowners. The following are discounts senior citizens should take advantage of: > TRAVEL. From local public transportation to airlines, the discounts offered by various service providers can be significant. Some airlines can change their discounts without notice. Book your flight well in advance to secure your discount. This is most important if you’re traveling during the holidays. You don’t want to disappointment those relatives who are expecting you to join them for the holidays. There are also discounts if you travel by railroad. > Grocery Discounts. Many grocery stores, including large supermarkets, offer discounts to senior citizens, usually those over 55. You have to inquire with the store manager if they have discounts available. Discounts may vary depending on the store’s policy. Saving a few dollars every time you shop, will add up significantly at the end of the month. > Dining Out. Whether you prefer a favorite fastfood restaurant or enjoy dining at a fancy restaurant, ask the manager if they offer discounts. Most restaurants have a special discount for senior citizens. The food will surely taste better when you know you are saving money. Some restaurants have a 55+ menu. > Home Improvements. Homeowners can really save a lot of money. A government program allows some homeowners to receive $1,000 to install solar panels. The saving in the energy bill can be significant. The program is called the Federal Residential Renewable Energy Tax Credit, which provides subsidies that can cover most of the costs of installing solar panels. Check with your accountant for details. Homeowners can also save money by replacing their windows with new energy-efficient windows. Window replacement can lower your heating and AC bills. Your New Year’s resolution should be to save money by taking advantage of the many discounts offered to senior citizens.
save Money WITH
M
Senior Citizen
Discounts
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
MONEY / VOL. 2 NO. 1
5
Courtesy of StatePoint
ON THE HORIZON The beginning of the New Year is a natural time to think about refreshing the look of your home, and in 2020, “cozy” and “warm” are trending keywords for interior design, according to experts, with luxurious textiles, inviting color palettes, and warm mixed metals found across all design styles. While a maximalism approach is on the horizon, clean and modern design schemes continue to reign. “Use a minimalist approach, allowing patterned décor to add pops of color,” advises Eliza Alkire, trend expert and product designer for Progress Lighting. “Accent this with hanging planters and potted greenery to enhance the character of any room with an organic look.” To make the most of your space this year, consider this design advice from Alkire and the experts at Progress Lighting: 6 VOL. 2 NO. 1 / DécOr
Materials, Shapes and Finishes While neutral color schemes are triedand-true, in 2020, you’ll want to turn to an updated palette consisting of warm, earthen undertones. Choose lighting finished in mixed metals to accent the neutral scheme while adding visual interest and depth. Recent years have seen lighting combine black chrome and gold finishes. Now, warm tones of natural brass, bronze and copper mixed with silver and black will be found across lighting designs, cabinet pulls and plumbing hardware. Move over, stainless steel. Just remember to keep the look uncluttered by not mixing more than two or three metals in one space. Geometric shapes are dominating design trends. Adding lighting in triangle, diamond, hexagonal or combination of geometric shapes is one of the easiest ways to trans-
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
form a space and add wow-factor. Make sure to balance statement-making lighting with clean, classic patterns and colors on furnishings and accessories. Create warmth with tactile elements. Luxurious, richly-textured fabrics like velvet, suede and leather work nicely with clean, contemporary interiors as well as rustic farmhouse spaces. Try vibrantly-colored velvets furnishings, pillows and throws. Wallpaper is making a comeback. Use it in small areas like powder room walls, or make a splash with a floral accent wall. Style Evolution Overall, design trends are evolving. Homes that were previously traditional are now termed “new traditional” as they take on fun, youthful elements that keep the design fresh. Lighting fixtures have mixed metal finishes or are designed in new takes on classic silhouettes, such as large lanterns and chandeliers done in linear shapes.
Mountain style goes beyond a rustic, cabin look to take on a modern form with clean lines, neutral color palettes and uncluttered interiors. With open layouts and tall ceilings, sweeping views command attention. Lighting is oversized, with airy, open designs meant to cast light without obstructing views from the plentiful windows in the space. For fans of farmhouse style, this look has taken a delightful turn, with fewer rustic details and more modern charm. Subtle hues go beyond a white and gray palette into the realm of soft greens and blush pinks. Lighting is inspired by historical design with industrial details like working pulleys, but is combined with clean lines for a relaxed, casual vibe. To stay on-trend in the New Year, think cozy, warm and inviting. For more tips and inspiration, visit Progress Lighting at www.progressltg.com /Inspiration.
STAY UPDATED ON REAL ESTATE NEWS & HOME IMPROVEMENT IDEAS TODAY’S FLORIDA REAL ESTATE MAGAZINE Print & Online Orange I Osceola I Seminole I Volusia I Polk I Hillsborough I Lake
Call / Text: Maggie Rosario 407-509-8010 maggie@cmdmagazine.com www.todaysfloridarealestatemagazine.com www.facebook.com/CMDMagazine WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
DécOr / VOL. 2 NO. 1
7
Courtesy of Overture 55+
Now ! Open
O
55+ Active Adult Apartment Homes to Orlando
verture Dr. Phillips is an active adult apartment home community for residents 55 and over. You will enjoy Overture’s 7 Dimensions of Wellness, an array of resort-inspired activities designed to inspire, connect, and delight. This program seeks to unify physical fitness, emotional wellness, spiritual awareness, intellectual pursuits, social connections, environmental stewardship and 8 VOL. 2 NO. 1 / cOMMuNitY
occupational artistry to give you the best life you deserve. Overture offers spacious 1- and 2-bedroom floor plans, and all the comforts of a well-appointed home, complete with contemporary designer finishes. Whether having family and friends over for a celebration or just a quiet night in, residents and guests will appreciate the modern kitchens with prep islands,
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
quartz countertops and stainless-steel appliances. The attention to detail is truly what makes these homes feel warm and sets them apart. Imagine starting the day off with a workout at the state-of-the-art fitness center and yoga studio. Follow that up with complimentary continental breakfast and then take a dip in our luxurious swimming pool. When the notion strikes, a game
of billiards in the game room or a round of bocce ball is just the ticket. As the sun goes down, residents can watch a movie in the theater room. A good life is not complete without friends and plenty of fun. This community makes socializing a breeze with group fitness classes, social hours, and events. Our team is available to help residents sort through the decisions needed to
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
help make a transition to this wonderful new 55+ lifestyle. From the maintenance-free lifestyle, to the upscale amenities that take 55+ active adult living to the next level, Overture Dr. Phillips has it all. Schedule your tour at Overture today! Call (407) 775-4717 or visit the Web site at OvertureDr Phillips.com for more information. cOMMuNitY / VOL. 2 NO. 1
9
B
Tips to Help You Sell Your Home Faster
uying a home is a very personal thing. Every buyer has different needs and taste. Some buyers may need more space. Those with children may be interested in a neighborhood with good schools and kids activities in the area. Senior buyers often look for smaller space in a quiet community, with health providers nearby. Almost all buyers have certain things in common that will impact their home-buying decision. To start with, the kitchen is a room that many buyers look at carefully in this important decision. It is the heart of many homes, where families gather to talk, enjoy meals, and entertain guests. So, it needs to be appealing to the prospective buyer. Therefore, before opening your home to potential buyers, make sure the kitchen shows well. It should be clean, and clutter free. All appliances should be in good condition with updated features. Consider painting the kitchen with a neutral color paint. If the cabinetry needs updating, panting it will go a long way to making it more appealing. Another room that impacts a buyer’s decision is the bathroom. Buyers need to feel like they can make it their own; it should be clean and updated. For starters, it needs to smell fresh and clean. All personal items need to be removed. Add modern bath10 VOL. 2 NO. 1 / rEAL EStAtE
Photos by Christa Grover from Burst
by Maggie Rosario / Realtor
room rugs and shower curtains, towels, and bathroom accessories. Bathtub, showers, mirrors, etc. need to be super clean. Consider updating fixtures to give it a more modern look. And again, neutral paint could make it feel newer. As buyers walk through your home, they will surely open closets to see how much space there is, so keep it neat. You might consider putting things in boxes or even better, rent a storage space to de-clutter. Buyers will also open up doors to the backyard and garage, so make sure they are in good condition. And don’t overlook the curb appearance. Buyers need to see the beauty before entering your home. Keeping a well-cared lawn is a must. Planting colorful flowers is always an inexpensive way to add charm to the entrance. And don’t forget about the front door; it needs to be in perfect condition. Consider painting or replacing if it is outdated. In conclusion, the most important things to remember is to remove all personal things; de-clutter, paint, and keep it smelling fresh. Lastly, don’t forget to use a Realtor who will help and guide you in your important decision to sell your home.
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
THINKING OF SELLING? NOW IS A GREAT TIME TO SELL!
Let Me Help You Get to Where You Have to Be Faster! Maggie Rosario REALTORÂŽ Since 2004 Gold Key Certified Sales Executive | Relocation Specialist
Homesforsale.Maggie@gmail.com English, Spanish, Italian and some Russian Spoken.
Free Consultation
407-509-8010 www.maggierosario.com Photos, illustrations and plans are shown for reference only. Photos may depict upgraded kitchens, landscaping, furnishings and other options NOT included in prices. Lots may not be included in prices as well as Community Association fees. Square footage, dimensions may vary, too. Please contact the property builders’ developers for exact pricing at time of purchase and for details of what is included and not included in home purchase. Builders reserve the right to make any modification to plans and increase price of home.
Courtesy of Family Features
O
utside of the home itself, remodeling is typically one of the largest investments you can make as a homeowner. While some projects can be tempting to tackle yourself, many larger-scale projects may require hiring a qualified professional. Because remodeling your home is a big undertaking, it’s important to take steps to ensure the professional you hire to perform the work is qualified to complete it to the highest standards of quality and integrity. Consider these 7 tips from the experts at the National Association of the Remodeling Industry to help you make an informed decision when hiring a remodeling contractor.
1 I Get Recommendations One of the best ways to find qualified, professional help is through word-of-mouth referrals. Ask your relatives, friends, neighbors or co-workers, particularly if they’ve recently renovated their own homes, if they 12 VOL. 2 NO. 1 / DécOr
Starting a Home Remodeling Project 7 Tips for Choosing a Qualified Contractor
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
Most states also require contractors to carry worker’s compensation, property damage and personal liability insurance for their crews. Contact your state or local licensing agencies to ensure the contractor meets the minimum requirements.
5 I Check References
have any previous experience with companies they would recommend. Also, consider searching online for reviews of companies in your area.
2 I Stay Local It’s often best to consider established local remodeling companies first, as they are typically more compelled to perform high-quality work, which allows their businesses to thrive and remain in the community. Local professionals are also likely to know permit requirements and building codes in your city or county, which can change from year to year.
3 I Follow Your Design Aesthetic Whether your home features a mid-century modern, contemporary or farmhouse design style, it’s critical to choose a remodeler who is knowledgeable in the construction and design of the style of your home. Additionally, a company that specializes in remodeling kitchens may not be suited for a bathroom or bedroom project.
4 I Ask for Licenses and Insurance Many states, but not all, require contractors to be licensed, bonded and insured. Ask for copies of licenses and insurance certificates for any remodelers you’re considering to make sure they are current.
Once you have narrowed your list of potential contractors, ask for a list of references you can contact and a portfolio of work. A typical reference list includes 10 or more jobs with dates as well as the customer’s name, address and phone number, and a portfolio should also contain at least 10 projects with photos of the space before work began, during the project and after completion. If possible, also consider visiting a current job site to see first-hand how the contractor operates.
6 I Search for Violations or Complaints Because you can’t always rely on a portfolio or references, it’s important to also check with your local consumer affairs office or the Better Business Bureau to ensure there are no complaints on record for the contractors you’re considering, which may help further narrow your list.
7 I Compare Apples to Apples While a number of different factors goes into every remodeling project, be sure all contractors you solicit bids from are using the same scope and quality of work requirements. Discuss any significant variations in price or timelines, and be wary of any substantially lower estimates. Find more tips for selecting a contractor at www.remodelingdoneright.com.
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
DécOr / VOL. 2 NO. 1 13
Freedom Mortgage
by Melody Rivera
Mireya Guillaume
M
ireya Guillaume is a loan officer at Freedom Mortgage, where she specializes in originating mortgage loans. Born and raised in New Jersey, Mireya moved to Florida twenty-one years ago from New Jersey. She earned her bachelor’s degree in Business Administration with a minor in Finance from the University of Central Florida. Mireya is bilingual which allows her to have a broader outreach to the communities in Central Florida. Her education and background in business has allowed her ownership of a successful franchise, Planet Smoothie, for over fourteen years; it has equipped her with the skills required to provide exceptional service. Mireya takes pride in alleviating the stress of purchasing or refinancing a home by guiding her clients in the entirety of the buying and refinancing process, while still providing her expertise in every step of the way. As much as Mireya loves the busy life as a loan officer with Freedom Mortgage, her personal life is just as animated. Mireya is a loving wife and mother of two beautiful children: Ahmanie Gabrielle Guillaume, 20, and 14 VOL. 2 NO. 1 / MONEY
Anthony Gestin Guillaume, 16. Her daughter attends Agnes Scott in Decatur, GA, and son attends Central Florida Christian Academy in Orlando, FL. Life is never a dull moment in the day of Mireya as she enjoys running her small business and modeling career; her image has been used in the United States and internationally for multiple commercial and print advertising. In her free time, you will find Mireya exercising, on the beach or spending time with friends and family. Freedom Mortgage is a full spectrum lender and a national company with offices in many states. Freedom Mortgage is dedicated to assist borrowers on purchasing and to lower their monthly mortgage payment through refinancing. Mireya Guillaume is located in the Dr. Phillips/MetroWest location at 2813 S. Hiawassee Rd. Units 202-204, Orlando, FL 32835. Cell: 407-963-0023. Office: 407-4872592. FAX: 877-314-7794 For more information, visit: www.freedom mortgage.com. E-mail: mireya.guillaume@ freedommortgage.com
WWW.TODAYSFLORIDAREALESTATEMAGAZINE.COM
We are Committed The 7 Best Mortgage Refinance Lenders of 2020 • Best for Government-Backed Options Loan Options: • Conventional Loans • VA Loans • VA Streamline Refinance • FHA Loans • FHA Streamline Refinance • USDA Loans When looking for home financing, it’s important to find a company that specializes in mortgages above all else, and can address your particular home buying or refinancing needs, regardless of your unique circumstances. Freedom Mortgage is dedicated to fostering homeownership across America. We are focused on helping our service men and women achieve the American dream of home ownership. And, we’ll help you use your home for better living in every stage of life. Whether you are buying your first home or your forever home: • We are proud to be a top national mortgage provider. • We are proud to be a strong leader in government-insured lending. • We are honored to be a leading VA lender in the U.S.A. • For more than 25 years, we have helped veterans and military service men and women. • We are licensed in all 50 states, the District of Columbia, Puerto Rico and the Virgin Islands. We are committed to making your home purchase or refinance as easy as possible. Our dedicated loan specialists will guide you every step of the way—from eligibility to
closing. After you close your loan, we'll activate our Eagle Eye pledge to keep an eye out to help you find ways to put more money in your pocket by finding lower rates during the time you own your home, or by helping you capitalize on your increasing home equity. We'll give you the Freedom to focus on your home and your life, while we keep an eye on your mortgage. • Rates drop and we may be able to lower your monthly payment. • The value of your home increases, and we can help give you access to more cash. • We have a special program or other offers that may benefit you. Freddie Mac Announces 2019 SHARP Award Winners Silver: Freedom Mortgage Corporation Servicing takes silver! Freedom Mortgage’s servicing team was recognized at the MBA National Servicing Convention in Orlando, FL. Freedom won the ‘silver’ award for their 2019 outstanding servicing performance. They rank at the top of performers for Fannie Mae, and consistently achieve very high scores in the HUD/FHA Tier ranking.
2813 S. Hiawassee Rd. Units 202-204 Orlando, FL 32835
407-487-2592 Mireya Guillaume Loan Officer
Cell 407-963-0023 mireya.guillaume@freedommortgage.com
www.freedommortgage.com
Ways
TO EXPAND & BUILD YOUR BUSINESS BRAND IN 2020
COMMUNITY I MEDICAL I DÉCOR www.cmdmagazine.com
EVENTS I LIFESTYLE I BUSINESSES www.thedrphillipspost.com
REAL ESTATE I HOME IMPROVEMENT I DÉCOR www.todaysfloridarealestatemagazine.com
Print & online
CMD Magazine LLC Serving Orlando Since 2005
Call / Text: Maggie Rosario
407-509-8010 maggie@cmdmagazine.com www.facebook.com/CMDMagazine