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Achieving multiple professional certifications and surpassing customer expectations has propelled Keyes Company Sunset Office Vice President Carlos Garcia to become Dade County's top producing real estate leader within The Keyes organization. Garcia's cumulative sales volume is more than $575 Million since he launched his Real Estate career in 1995. In recognition of his exceptional success, Garcia was appointed to The Keyes Company's prestigious President's Council. Garcia is a Certified Residential Specialist (CRS), a graduate of the Realtor Institute (GRI), a Certified Relocation Specialist and Luxury Homes Member. In 2010, Carlos Garcia was named Vice-Chairman and Communication Chair for the Master Brokers Forum (MBF) representing the top 250 agents in Miami-Dade County. To better serve his customers with Short Sales and Foreclosure guidance, Garcia obtained his Certified Distressed Property Expert (CDPE) designation. Prior to launching his career in Real Estate, Garcia served as Vice President of Operations for a major electrical Company in Miami. Carlos has achieved the Number ONE position again in Sales for Miami-Dade County and was awarded the President's Council Award in January 2014 for the 15th consecutive year at the Keyes Annual Awards and has always been ranked amongst the top FIVE sales associates in The Keyes Company which employs over 2,500 sales associates.(press release 2014)

The information on this web site has been obtained from the public record or the property owner and has not been verified. The information, documents and related graphics, may include inaccuracies or typographical errors and should be independently verified. The Keyes Company and/or Carlos Garcia (Associate) is not responsible or liable for the inaccuracy of the information.

Copyright ® 2007 Carlos Garcia, LLC.

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Updated: Tuesday, November 25, 2014


Religion In A Homeowners Association

America is engaged in a war of cultures. Almost daily there seems to be some crisis somewhere >

Homeowner associations have a unique opportunity to reverse or moderate these attacks on Americas traditional values and liberties. As private organizations, they have the right and flexibility to decide how issues of faith expression are dealt with and avoid the nonsense of political correctness.

While HOAs cant enact rules and regulations that contradict the Bill of Rights, they do have some latitude on how these rights are played out. Free speech can be restricted on private property. One example that comes to mind is limiting personal signs in the common area. In other words, the fact that America enjoys free speech doesnt entitle a citizen to crash a private party to express it. So it is with signs. HOAs can control or restrict signs in the common area if thats what the members want.

When it comes to >

>. HOA clubhouses are usually made available for private use by members and residents. If a resident wants to host a poker party, a quilting club or High Mass, they are all legal activities in every state of the country and, as such, the HOA should not have a policy restricting the activity.

The HOA is not obligated to allow private use of the clubhouse but since most clubhouses are ra>

Restricting Outside Groups. The HOA may have a restriction that limits use to residents and their guests and preclude outside groups from using the facility if no resident is involved. If outside groups are not allowed, the ban needs to extend to all of them.

Limiting Access to Schedule. There may be limitations placed on requests to monopolize the clubhouse schedule for a set time each week.

Limited to Legal Purpose. Use activity can be limited to those that are lawful and do not disturb the community noise, smell, lighting, etc..

Charging a Fee. The HOA can invoke a reasonable fee for private use since use creates wear and tear on the facilities.

Christmas Ornaments. Another controversial topic that comes up is whether the HOA should allow Christmas ornaments to be displayed. There seems to be an impression that all ornaments should be forbidden. The real answer is "yes and no": Its really up to the members to decide and that decision only should impact the general common area. If decorating the common area with Christmas decorations is something most of the residents feel appropriate, so be it. HOAs are private property controlled by democratic vote. Not everyone will get their way.

Demonstrations of >

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Ten Essential Steps to Buying a Home

Youre ready to take the leap and buy a home. If this is your first time, you may want to know what to do to make the process go more smoothly. Here are ten steps youll be going through to buy your next home.

Check Your Credit Reports and Scores - You get one free look at your credit reports annually. Go to AnnualCreditReport.com and see how easy it is to get credit reports from the three major credit bureaus, Experian, Transunion, and Equifax. Youll need all three because they each report differently, so you may find an error at one bureau but not the other two. You dont know which credit bureau your lender will use so you want all three bureau reports to be accurate. If you see a mistake, contact the bureau and alert them to the error. Send a copy of your proof, such as the paid balance.

Get prequalified - Your lender will "run your credit" to look at your credit reports and evaluate you for risk. Your income, credit scores, payment history, revolving debts, obligations such as child support as well as the type of loan you choose are all factors in determining your interest rate and other terms of the loan. The lender will also consider how much home you can buy based on your down payment; smaller down payments mean higher monthly payments. Last, the interest rate and terms 30-year, fixed or adjustable rate will determine what you can afford in monthly payments.

Make your wish list - Decide where you want to live and how many bedrooms and baths youll need. Consider life>

Hire a real estate professional - Your real estate professional should be expert in the area where you want to live and familiar with the type of home you want to buy. Your agent has house-by-house experience in your neighborhood and can offer the best advice on homes in your range. Ask for referrals from people you know who have recently bought or sold a home or choose an agent in the neighborhood who is less than five minutes from the neighborhood you want.

Select your home - No home is perfect, so expect to find a few things that are disappointing. Try to see past minor flaws such as bad paint colors or old carpet. Think long-term. Is this the house you would want if it were painted and recarpeted? Which home best suits the activities and needs of your household now and in the years ahead? Dont buy more than you need or can comfortably afford.

Make an offer - Youre either in a buyers market or a sellers market, so your offer depends on the current market conditions. If a home has been on the market a long time, you can ask the seller for a price reduction, repair concessions, and help with closing costs, but if its new on the market, the seller is unlikely to accept an offer lower than 95 to 97 percent of the asking price. Ask your real estate professional for advice and a CMA so you can determine a fair offer price. Be sure to make your offer contingent on a satisfactory inspection.

Get an inspection - A home inspection is a professional third-party opinion of the homes condition. The inspector works for you, so it is his job to point out problems big and small. He will check age of all systems, note large and small repairs that are needed, code violations, and so on. Some inspections are not included, so you will have to hire a separate experts to look for pests, or inspect the septic tank. You need to know what problems and expenses youll be facing as the next owner.

Renegotiate Terms - If the inspection reveals a problem that is more severe or is not noted on the sellers disclosure of the property, you should renegotiate terms. Either ask the seller to fix the problem or ask for a price reduction if you prefer to fix it yourself.

Get an appraisal - The bank appraisal determines market value. If the home doesnt appraise for the purchase price, the bank will refuse to make the loan unless you increase the size of your down payment or renegotiate a lower price with the seller. If the home meets the appraisal comparables, the lender will move toward closing. Pay close attention to the comparables that the appraisal uses -- they may skew the value in a different direction than you might be expecting.

Go to closing - Once final negotiations are complete, and youve done a final walk-through of the property to make sure all repairs have been made, the parties to the transaction meet at the escrow office. This office could be a title company, real estate attorney, or whatever is customary in your area. All paperwork is signed by both parties. The lender pays the seller, minus any liens against the home such as the sellers mortgage. Once all the disbursements have been made, you get the keys to your new home, according to your agreement.

Congratulations Youre ready to move into your new home.


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Benjamin Franklin Inspires Buyers to Succeed

Everyone is in a hurry these days and real estate buyers are no exception. In their haste to get the deal done, they can undermine the success of their significant purchase and their long-term goals.

Benjamin Franklins observation that "Haste makes waste" serves as an excellent summary for the tendency of many buyers to act too quickly and, therefore, not gain all the benefits available to them.

Haste to read listings and view properties can mean many buyers leap into the buying process before they are sure of what they want and need, and before they are aware of all their financial and real estate options;

Haste to squeeze a real estate purchase into already jam-packed schedules and smartphone-driven communication overload can add pressure that results in hastily-made, misguided and hard-to-live with decisions;

Haste to act in high-pressure and multiple-offer situations may lead buyers to jump at a property without a clear picture of what they are buying and what compromises they are making.

Slowing down the buying process once it gets started can be a challenge since real estate is all about acting on urgency. Once you view an acceptable property the question becomes, "Are you ready to make an offer or will you risk losing out?"

The key to success lies in developing "smarts" before you jump into the sales funnel and face the pressure of making an offer. Start by taking time to learn how to act in your own best interest beforeyou dig through listings, view properties, and make a choice then youll benefit on many levels.

Rush into the home buying processwhether you are intent on a condominium, a vacation property, or a detached home - and your lack of preparation can make you vulnerable to THREE COMMON BUYER MISTAKES that arise from acting in haste and regretting in hindsight:

1. Again Franklin hits the 21st-Century point on the head with his statement: "By failing to prepare, you are preparing to fail."

Work with your chosen real estate professional to familiarize yourself - and everybody who is part of your buying team - with the entire buying process, from start to finish, before you plunge in:

What are your "essentials" when analyzing your needs and wants?

How will the real estate professional match these parameters with potential neighborhoods, building >

What is involved in being pre-approved for financing and what are the benefits?

How do you view a prospective property to uncover its full value and potential, and to avoid being distracted by staging or by a property that shows poorly?

What is "an offer" and what does it legally commit you to and protect you from?

What strategies can compensate for typical "unexpected problems" like multiple offers, bad home inspection reports, last-minute financing issues etc.?

What happens between the day your offer to purchase has been accepted until the day you move into your new home?

What recourse will you have if problems pop up after youve settled into your house or condominium unit?

Once you understand what will happen, what rights you have, and how your real estate professional can head off and resolve problems that arise, youre ready. This knowledge will take some of the pressure off and provide self-preservation perspectives for the many decisions ahead.

2. "We are all born ignorant, but one must work hard to remain stupid," says Franklin and explains why knowing who is working in your best interest is essential to success. How the real estate industry works for buyers can be confusing.

Sellers have a listing salesperson and listing brokerage committed to placing their interestsfinancial, legal, and otherwisefirst, ahead of everything including real estate commission.

Buyers have to ask questions to find out which, if any, real estate professionals are legally bound to place the buyers interests first. The buyer agent >

not happen automatically for buyers.

Be smart. Clarify, in writing, who will negotiate for you at every step along the buying process before you start.

3. "He that can have patience can have what he will" said Franklin, long before smartphones and apps were even dreamt of, but he hit the mark when it comes to getting the right accurate information before you act.

Click on one of the growing number of real estate apps and you instantly have data at your fingertips. With information, faster is not necessarily better:

Often apps and online sources condense or generalize when a buyer really needs specific details >

Data can be incomplete or inaccurate, but the average buyer will may not be aware of these deficiencies until it is too late.

Significant issues like property condition, problems regarding abutting properties, liens or work orders, and unregistered changes are just a few details which may be lacking in digital offerings.

Take the time to listen to the local, experienced real estate professionals who work for you since they can provide >
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