My High Tech Mortgage Broker

Finding the Right Mortgage is Often Harder Than Finding the Right Home!

A critical factor in purchasing a house these days is getting the best possible mortgage.  

I need to keep very current on who to work with to help me find my buyer the best mortgage and where to get it. 

Steve Verrier of Lake State Mortgage is a great resource for me.  Check out his latest e-letter and see how he follows Mortgage-Backed Securities to help him with his market projections.  He also put me on to a book I will buy:  “...New York Times best seller “Zillow Talk” to see if it is a commercial for Zillow in disguise or provides useful market information.

He is a Palm Coast resident and specializes in these markets:

• Purchase Mortgages
• Refinance Mortgages
• Harp 2.0 Loans
• Construction (to Permanent) Loans and Mortgages
• (Both Conventional and Government)
• Cash Out Home Equity Mortgages
• Jumbo Home Loans and Mortgages
• FHA Loans / USDA Mortgages / VA Mortgages
• Reverse Mortgage Loans
• Private Money Mortgages
• Condos
• Rehab and Renovation Products for Primary Residences“

Check out Steve’s e-letter Realtor Market Insider:    

https://mail.google.com/mail/u/0/?hl=en&tab=wm#inbox/153761ab37923202

And his website:  

http://www.thefloridamortgagecenter.com/home.html

Granny Pods: Caring for Aging Relatives...

I am a great fan of the TV program “Tiny Houses”. And I just read this interesting post in RIS Media’s blog.

It discusses  tiny houses designed for caring for an aging relative. This can also be done using what we call a "Duplex", "Multi-Generational Home", or a regular but tricked out two or more bedroom home. I have been working in a Model Home and visiting other model homes in this week’s Parade of Homes and I have seen several floor plans that would work well as a "Granny Caves".  Or for a grown child who returns home to care for or be cared for. ( I know the situation.  My daughter just came to live with us a month and one half ago.) 

Here are some excerpts from the RIS blog:

“Granny Pods, aka MedCottages, are 12 x 24-foot prefabricated pods that sit conveniently in one's backyard. The structures hook up to existing plumbing and electrical systems and allow both the caregiver and senior citizen to have their own space while still being available and connected. The pods are quickly growing in popularity and are a win-win for both parties: the aging family member has his or her own space, while the caregiver doesn't have far to travel to assist family members in case of an emergency.”

“The mobile homes are built with safety in mind and include many of the basic amenities any adult would need. They include a small kitchen, a bedroom and a bathroom all designed in a small scale space with easy access in mind. The bathrooms are handicap accessible with railings and safety features, while the floors are padded to help lighten the load on joints.”

“Not only are they safe, but they're tech-savvy, too! Granny Pods can incorporate webcams for family members to monitor from afar. Even more impressive, robotic features can monitor vital signs, with alert systems armed to notify caregivers should a problem arise. The air can be monitored for contaminants and reminders can be sent to the inhabitant to remind them to take pills or supplements accordingly.  The MedCottages encapsulate all the functions of a proper nursing home, while providing grandma or grandpa with the freedom and privacy they may still desire.”

The blog is loaded with photos of interesting options.  Read it at:

http://blog.rismedia.com/2016/granny-pods/?utm_source=newsletter&utm_medium=email&utm_campaign=eNews

If you want to build or buy a home well designed to accommodate two generations, 

Talk To Ted!

Photo Credit: facebook.com/MEDCottage