Continue reading »]]> Looking to buy a Home in Delray Beach?
Get your copy of 7 Reasons Why Now is a Great Time to Buy a Home!

A Smart Buyer’s Guide to Seizing the Market
It’s Prime Time! to buy a home

1. Homes have never been more affordable
2. Mortgage rates are at rock bottom and won’t stay there forever
3. Prices are trending back up
4. Sellers are motivated!
5. Lenders are back in the game!
6. Ownership costs are dropping below rental costs!
7. Home ownership remains at the core of the American Dream

561-859-9926

Contact me today for your complimentary copy!
7 Reasons Why Now is a Great Time to Buy a Home! by Keller Williams Realty, now is a great time to buy a home

Continue reading »]]> Looking for a rental in Boca Raton? Just listed in Boca Gardens a 3 bedroom 2 bath villa very private. Boca Gardens is a pet friendly community in west Boca Raton. For more information or to schedule a viewing call Eva Aliaga at 561-859-9926.

Eva Aliaga, CPDE, GRI | Keller Williams Realty | (561) 859-9926 9987 Boca Garden Trails A, Boca Raton, Fl, FL Spacious villa with patio enclosed with privacy fence 3BR/2BA Townhouse $1,400/month Bedrooms 3 Bathrooms 2 full, 0 partial Sq Footage Unspecified Parking 2 dedicated Pet Policy Dogs, Conditional Deposit $0 DESCRIPTION Spacious villa 3 bedroom 2 bath split plan with patio enclosed with privacy fence, private no rear neighbors or road. Title throughout with vaulted ceiling with skylights, bedrooms with built in closet organizers. Listing Courtesy of Eva Aliaga – Keller Williams Realty Boca Raton 561-859-9926 see additional photos below RENTAL FEATURES - Air conditioning - Central heat - High/Vaulted ceiling - Tile floor - Family room - Breakfast nook - Dishwasher - Refrigerator - Stove/Oven - Attic - Washer - Dryer - Laundry area – inside - Balcony, Deck, or Patio - Cable-ready COMMUNITY FEATURES - Guest parking - Clubhouse - Fitness center - Swimming pool(s) - Tennis court(s) - Playground ADDITIONAL PHOTOS living kitchen patio exterior storage community Contact info: Eva Aliaga, CPDE, GRI Keller Williams Realty (561) 859-9926 Equal Opportunity Housing Posted: Apr 13, 2011, 8:20am PDT

Continue reading »]]> Know your Options – With the economy today and the drop in value of your home in the Delray Beach area, are you worried that you maybe facing a foreclosure with your Delray Beach Home? Before you do or don’t do anything, is to educate youself on what are your options to foreclosure. Below you will a brief explanation of what is a foreclosure, short sale, reinstatement, deed in lieu, modification, etc.

Reinstatement
A reinstatement is the simplest solution for a foreclosure, however it is often the most difficult. The homeowner simply requests the total amount owed to the mortgage company to date and pays it. This solution does not require the lender’s approval and will ‘reinstate’ a mortgage up to the day before the final foreclosure sale.

Forbearance or Repayment Plan
A forbearance or repayment plan involves the homeowner negotiating with the mortgage company to allow them to repay back payments over a period of time. The homeowner typically makes their current mortgage payment in addition to a portion of the back payments they owe.

Mortgage Modification
A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these. These typically result in a lower payment to the homeowner and a more affordable mortgage.

Rent the Property
A homeowner who has a mortgage payment low enough that market rent will allow it to be paid, can convert their property to a rental and use the rental income to pay the mortgage.

Deed-in-Lieu of Foreclosure
Also known as a “friendly foreclosure,” a deed-in-lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process. Lender approval is required for this option, and the homeowner must also vacate the property.

Bankruptcy
Many have considered and marketed bankruptcy as a “foreclosure solution,” but this is only true in some states and situations. If the homeowner has non-mortgage debts that cause a shortfall of paying their mortgage payments and a personal bankruptcy will eliminate these debts, this may be a viable solution.

Refinance
If a homeowner has sufficient equity in their property and their credit is still in good standing, they may be able to refinance their mortgage.

Servicemembers Civil Relief Act (military personnel only)
If a member of the military is experiencing financial distress due to deployment, and that person can show that their debt was entered into prior to deployment, they may qualify for relief under the Servicemembers Civil Relief Act. The American Bar Association has a network of attorneys that will work with servicemembers in relation to qualifying for this relief.

Sell the Property
Homeowners with sufficient equity can list their property with a qualified agent that understands the foreclosure process in their area.

Short Sale
If a homeowner owes more on their property than it is currently worth, then they can hire a qualified real estate agent to market and sell their property through the negotiation of a short sale with their lender. This typically requires the property to be on the market and the homeowner must have a financial hardship to qualify. Hardship can be simply defined as a material change in the financial stability of the homeowner between the date of the home purchase and the date of the short sale negotiation. Acceptable hardships include but are not limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or unplanned relocation, and more.

This represents only a summary of some of the solutions available to Delray Beach homeowners facing foreclosure. As a CDPE in Delray Beach contact me for an evaluation of your individual situation, property value, and possible options.

Understanding your options now could mean all the difference in the world.

As a CDPE I can help!

561-859-9926

Continue reading »]]>

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  Hurricanes: Protect Your Windows and Doors

  Improvements that protect your windows and doors from hurricanes can lessen damage and lower homeowners insurance premiums. Read
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  Is the Cost of Hurricane Insurance Worth It?

  Decide whether to buy hurricane insurance long before the storm clouds appear. Read
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  Create a Home Inventory for Insurance

  Create a home inventory before disaster strikes to make filing an insurance claim a smoother process. Read
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  Create a Home Emergency Preparedness Kit

  Having a home emergency preparedness kit could be the key to your family’s safety if disaster strikes. Read
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  Portable Generators: Backup Power at a Lower Cost

  A lower-priced alternative to standby generators, portable generators can keep power running in an emergency, as long as you don’t mind a few inconveniences. Read

Continue reading »]]> Cash for Short Sales

Short Sales are More Valuable Than Ever!

Avoiding foreclosure is always a smart move, but now there are incentives that make it an even better one.

Short sales and deeds-in-lieu are dignified solutions to foreclosure, and now the government is making them easier and quicker through the Home Affordable Foreclosure Alternatives Program, or HAFA, which also gives the homeowner $3,000 for participating.

With the free report provided here, you can learn all the benefits of completing a HAFA short sale. Simply fill out your information below for details on the program and how you would benefit.

Please read this report to learn the facts, and contact me to start exploring solutions.

http://help.mybocahome.com/Cash-for-Short-Sales.aspx

Continue reading »]]> Welcome to the best resource for searching for homes, provided by Eva Aliaga, Keller Williams Realty of Boca Raton

A home is not a home because of its room dimensions or the color of the walls. It is about how you feel when you walk through the front door. And the way you can instantly envision your life unfolding there.

This is about more than real estate. It is about your life and your dreams.

Different by design

Keller Williams Realty takes a different approach to real estate, one that is built on personal touches, win-win deals and positive results.

Eva Aliaga utilizes the latest technologies, market research and business strategies to exceed your expectations. More importantly, we listen and that means we find solutions that are tailored to you.

How we can help

Thanks for starting your real estate search with us. This website is full of information for you whether you are looking to buy or sell.

After you have had the chance to review this information, contact me so we can tell you more about how we can help.

We appreciate the opportunity to earn your business.

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