Foreign Home Buyers

Buying a luxury home in South Florida is about much more than finding the right location, architectural style, or view. Whether you are considering a waterfront estate, a golf community residence, or a luxury condominium, the purchase price is only one part of the financial picture. Before making an offer, today’s sophisticated buyer should understand the true cost of ownership. Planning ahead can help avoid surprises and ensure that your new home fits comfortably within your long-term lifestyle and financial goals.

1. Insurance Can Be a Significant Expense

Insurance is one of the first expenses luxury buyers should investigate—before the inspection period is over. The cost of homeowners, windstorm and, when applicable, flood insurance can vary dramatically based on a property’s location, age, construction and protective features.The age and condition of the roof, impact-resistant windows and doors, elevation, prior claims history and proximity to the coast can all affect coverage and premiums.

2. Property Taxes – May Differ Signifcantly After the Sale

A common mistake is assuming that the seller’s current property tax bill will be the same after you purchase the home. In Florida, a property’s assessed value and tax benefits can change following a sale. A home may appear to have relatively low property taxes simply because the current owner has benefited from assessment limitations or exemptions that may not transfer to the new owner.

3. Waterfront Living Comes With Additional Responsibilities

There is nothing quite like living on the water in South Florida—but waterfront ownership may involve additional expenses and maintenance.

Depending on the property, buyers may need to budget for the maintenance and eventual replacement of:

• Seawalls
• Docks
• Boat lifts
• Pilings
• Waterfront landscaping
• Irrigation systems
• Pools and outdoor entertainment areas

Before purchasing, it is important to understand the age and condition of these improvements. Replacing or repairing waterfront infrastructure can be a substantial investment.

4. Luxury Homes Require Specialized Maintenance

A larger, more sophisticated home typically comes with more systems to maintain. The true cost of ownership may include regular service for:

• Multiple air-conditioning systems
• Swimming pools and spas
• Generators
• Elevators
• Smart-home technology
• Security and surveillance systems
• Water treatment systems
• Extensive landscaping and outdoor lighting

For a luxury estate, it may also be appropriate to budget for a property manager, housekeeper, pool service or landscaping team.

5. The Inspection Should Go Beyond the Basics

A standard home inspection is important, but a luxury property may warrant additional specialists. Buyers may want specialied inspections of the roof, pool, dock, seawall, elevator, generator, HVAC systems, plumbing, electrical systems and smart-home equipment. Waterfront properties may require particularly careful evaluation of marine structures and drainage.

6. Condominium Buyers Need to Look Beyond Monthly Fees

For luxury condominium buyers, the monthly association fee is only part of the equation. Buyers should carefully review the building’s financial condition, reserves, planned maintenance and any pending or potential special assessments.

7. Climate Resilience Can Affect Both Cost and Value

Today’s South Florida luxury buyer is increasingly focused on how a home is built and protected. Features such as impact glass, a newer roof, a whole-house generator, appropriate drainage and modern construction standards can affect not only day-to-day peace of mind but potentially insurance availability, maintenance costs and future marketability.

The Bottom Line

The right luxury home should enhance your lifestyle—not create unexpected financial surprises.In South Florida’s luxury market, knowledge is a valuable asset. The more thoroughly you understand a property before you buy, the more confidently you can make a decision—and the better prepared you will be to enjoy the exceptional lifestyle that luxury homeownership can offer.

Thinking about buying a luxury home in South Florida? Before you make an offer, let us help you evaluate not only the home itself, but also the factors that can affect its long-term cost, value and enjoyment.

Filed under: 4 Point Inspection, Blog, Boca Raton real estate, CEBA, EBA, Energy efficient homes, Exclusive Buyer Agency, First Time Homebuyers, Flood Insurance, Florida Buyer Agent, Florida Exclusive Buyer Agent, Florida Real Estate, Foreign Home Buyers, home automation, Home Buyer Advice, Home Buyers, home Inspections, Home Maintenance, home safety, Homebuyer Advice, Homeowners Insurance, House Closings, Insurance Claims, International Home Buyers, International investors, Mortgage Information, new home construction, Real Estate, Real Estate Closings, Real Estate Investment, real estate news, second home, smart home, South Florida Real Estate, Termites, vacation home, WDO Inspection by Kim Bregman
Comments Off on Beyond the Purchase Price… Real Costs of Owning a Luxury Home

One of the biggest decisions homebuyers face is whether to purchase a brand-new build or an existing home. Each path offers distinct financial, lifestyle, and logistical trade-offs, and the right choice depends on your timeline, budget, and long-term priorities.

New Construction Homes

The Pros

• Everything is brand new: From the roof and HVAC system to appliances and flooring, new builds require minimal maintenance during the first several years.
• Modern energy efficiency: Newer homes adhere to updated building codes and incorporate modern insulation, high-efficiency windows, and advanced HVAC systems, which can significantly lower monthly utility bills.
• Personalization and customization: Depending on when you purchase during the construction phase, you can often select your floor plan, finishes, cabinetry, countertops, and tech integrations before moving in.
• Builder warranties: Most builders offer structured warranties (often covering cosmetic defects for 1-year, mechanical systems for 2 years, and structural elements for up to 10 years), providing extra peace of mind.
• Financial incentives: Builders frequently partner with preferred lenders to offer rate buy-downs, closing cost credits, or design-center allowances that reduce upfront cash needs.
• Lower initial insurance premiums. Homeowners insurance is generally lower for new builds because all structural elements, roofing, plumbing, and electrical systems are brand-new and built to modern safety and building codes.

The Cons

• Higher price per square foot: New homes usually command a premium over comparable existing homes in the same general area.
• Upgrade costs add up: Model homes feature high-end finishes that aren’t included in the base price. Essential items like window blinds, pools, fencing, and fixtures often have to be paid for out-of-pocket after closing.
• Construction delays & uncertain timelines: Supply chain bottlenecks, weather, or labor shortages can push back your completion date, making it tricky to align lease endings or existing home sales.
• Developing surroundings: You may live in an active construction zone for month, complete with heavy machinery, dust, immature landscaping and a period without amenities.
• Construction phase coverage needs. If you build custom or purchase early in the build process, standard homeowners’ insurance won’t apply until completion, requiring specialized builder’s risk policies during construction.
• Uncertain initial property taxes and HO fees: Property taxes on new builds are initially assessed on the unimproved land value and will increase significantly once the home is fully built and reassessed.  HOA costs ae covered by the developer until such time as it transitions to the Homeowners Association.  Decisions made by the HOA can increase the fees over time.

Existing Homes

The Pros

• Established locations and character: Existing homes are often situated in mature neighborhoods with tree-lined streets, established school districts, and closer proximity to urban centers, dining, and shopping.
• Immediate move-in: Once your mortgage is cleared and escrow closes—typically in 30 to 45 days—you can move right in without construction delays.
• Larger lots and architectural variety: Older neighborhoods frequently offer larger lot sizes, setback distances, and distinct architectural features compared to uniform modern subdivisions.
• Greater negotiation power: Unlike builders who resist lowering base prices to protect neighborhood appraisal values, individual sellers may negotiate on price, request repairs, or grant seller concessions.
• Established claims & risk history. Existing properties have clear, predictable history and records that allow insurance carriers to assess baseline risk quickly.

The Cons

• Maintenance and deferred repairs: Major systems like the roof, plumbing, electrical, or HVAC may be near the end of their lifespan, requiring short-term capital outlay.
• Higher ongoing energy costs: Older insulation, windows, and aged appliances can lead to higher utility bills.
• Costly renovations: Modernizing a floor plan, opening walls, or updating kitchens and baths requires significant time, budget, and oversight.
• Higher premiums & insurability challenges. Older roofs, outdated wiring (like knob-and-tube or aluminum), galvanized plumbing, or aged heating systems can make premiums significantly higher—or require costly mandatory repairs before a carrier agrees to issue coverage.

To narrow down your decision, consider where you fall on these core priorities:

Filed under: Blog, Boca Raton real estate, Down Sizing, EBA, Exclusive Buyer Agency, First Time Homebuyers, Florida Buyer Agent, Florida Exclusive Buyer Agent, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Homebuyer Advice, International Home Buyers, new home construction, Real Estate, Real Estate Closings, Real Estate Investment, real estate news, Relocation, Retirement, second home, South Florida Real Estate, Uncategorized, vacation home by Kim Bregman
Comments Off on Build vs Buy

Real estate scams, including wire fraud, title theft, and fake listings, are increasingly common. Scammers impersonate professionals to steal funds or personal information, often using phishing or spoofed emails to steal closing costs or forge ownership documents. Protect yourself by independently verifying all wire instructions via phone and watching for urgent requests or too-good-to-be-true deals.

Scammers might use deepfake-generated audio or video to impersonate buyers, sellers, real estate agents, real estate lawyers, title agents or other professionals.

Common Real Estate Scams

• Wire Fraud: Fraudsters hack emails or spoof agents/title companies to send fake wiring instructions for closing costs and down payments.
• Title/Deed Fraud: Scammers forge documents to transfer ownership of a property into their name, often targeting vacant lots or rental properties.
• Rental/Vacant Land Scams: Fraudsters list homes or land they do not own for rent or sale, collecting deposits from unsuspecting victims.
• Foreclosure Relief: Scammers charge upfront fees promising to save homes from foreclosure, but do not provide any real help.
• Loan-flipping Scam: Scammers often target seniors by convincing homeowners to refinance their mortgage repeatedly. Each time they refinance, the borrower is charged elevated fees, a high interest rate, and expensive closing costs.
• Seller/Buyer Impersonation: Criminals pose as legitimate sellers (often via email only) to sell property quickly or pose as buyers to gather personal information.

Warning Signs and Prevention

• Verify Independently: Always call your escrow agent or attorney to verify wiring instructions using a trusted, independent phone number before sending money.
• Be Skeptical: Be wary of urgent, last-minute changes to financial instructions.
• Check Property Ownership: Contact your local county recorder’s office to confirm the seller is the legal owner.
• Inspect In-Person: Do not purchase or rent a property you have not seen in person.
• Beware of “Too Good to Be True”: Extremely low prices or demanding quick, high-dollar payments are major red flags.
• Work with trusted, licensed professionals. Always partner with real estate agents and lenders who are licensed and have strong reputations. If someone reaches out unexpectedly, take the time to verify their credentials before sharing any information or moving forward.

If you become a victim, report the fraud to the FBI’s Internet Crime Complaint Center (IC3) immediately, along with your bank and local law enforcement.

Filed under: Blog, First Time Homebuyers, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Home Financing, home Inspections, Homebuyer Advice, House Closings, International Home Buyers, Real Estate, Real Estate Closings, Real Estate Investment, real estate news, Real estate trends, Scam, South Florida Real Estate by Kim Bregman
Comments Off on Beware Of Real Estate Scams

Most people relocate to South Florida for a few reasons. Retirement, job opportunity, second home, tax savings, lifestyle, and to be closer to family to name just a few.

Relocating to a new state or region can feel overwhelming, especially when it comes to settling into an unfamiliar community. Whether you’ve moved locally before or this is your first big relocation, there’s more to it than just packing boxes and changing addresses.   Finding the right city or neighborhood will make all the difference in your satisfaction with your decisions.

Here are a few  key tips to help make the relocation transition smoother, from using online resources to connecting with locals, so you can start feeling at home before you even move.

If you have moved locally before, you know the bureaucracy that comes with every move:

• Change your address on your driver’s license and other ID
• Register to vote, if you are a citizen or becoming a Florida resident
• Move your utility services to the new location
• File a post office change of address
• Register your children in the local school
• Find new doctors…and more

Just like when you are moving locally, there will be lifestyle activities that you should explore before moving:

• What is the commute between work and home, school and home?
• Does the new location have access to activities you enjoy now?
• Where are the religious or social centers like those you belong to now?

How to explore potential places that I’ll enjoy in the new region.

Use Internet Resources: Start by seeking out the types of local information you rely on now, but specific to your new location.

Explore online news outlets like THE PATCH or local newspapers.  Join local social media groups, which often give a sense of the community. Just like in your current area, you’ll find a mix of people—some helpful, some not—but these groups can offer valuable insights.

Check out religious and cultural organizations that align with your interests. Their websites often list their mission and activities calendars, which can help you connect with like-minded people even before you arrive. Many also offer newsletters or online communication platforms that are great for staying in the loop. Research schools, crime statistics, demographic information, weather and more to fully understand how a move will impact your way of life.

Networking: Start by asking friends, family, or colleagues if they know anyone in your new area. Personal introductions can be invaluable in helping you get settled and learn more about your new community.

Pre-move Vacation: Consider spending a week or two in your new town or city to get a feel for the place. Use this time to meet with people who can assist with your move and try out activities you already enjoy—whether it’s sports, theater, religious services, hiking, or even attending a local event. Engaging in these activities will help you connect with locals and give you a sense of whether the area aligns with your lifestyle.

Consider a Two-Step Move: Evaluate whether it’s less stressful to rent for a year before buying a home. Each approach has its own benefits, costs, and challenges. Renting allows you to test the waters, while buying right away offers a sense of permanence—but either way, the decision should be based on your comfort level and finances.

Develop a Relationship with a Local Exclusive Buyer’s Agent: A local exclusive buyer’s agent is a valuable resource when moving to a new area. They have in-depth knowledge of the region and can guide you to community activities and resources that will ease your transition. Their expertise can help you navigate your home search while also connecting you with local networks.

Filed under: Blog, Boca Raton real estate, CEBA, Down Sizing, EBA, Exclusive Buyer Agency, First Time Homebuyers, Florida Buyer Agent, Florida Exclusive Buyer Agent, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Homebuyer Advice, International Home Buyers, Moving Apps, new home construction, Real Estate, real estate news, Relocation, Retirement, second home, South Florida Real Estate, vacation home by Kim Bregman
Comments Off on Preparing For A Relocation

People relocate to South Florida for a few reasons; retirement, job opportunity, second home, tax savings, lifestyle, and to be closer to family to name just a few.

Relocating to a new state or region can feel overwhelming, especially when it comes to settling into an unfamiliar community. Whether you’ve moved locally before or this is your first big relocation, there’s more to it than just packing boxes and changing addresses.   Finding the right city or neighborhood will make all the difference in your satisfaction with your decisions.

Here are a few  key tips to help make the transition smoother, from using online resources to connecting with locals, so you can start feeling at home before you even relocate.

If you have moved locally before, you know the bureaucracy that comes with every move:

• Change your address on your driver’s license and other ID
• Register to vote, if you are a citizen or becoming a Florida resident
• Move your utility services to the new location
• File a post office change of address
• Register your children in the local school
• Find new doctors…and more

Just like when you are moving locally, there will be lifestyle activities that you should explore before moving:

• What is the commute between work and home, school and home?
• Does the new location have access to activities you enjoy now?
• Where are the religious or social centers like those you belong to now?

How to explore potential places that I’ll enjoy in the new region.

Use Internet Resources: Start by seeking out the types of local information you rely on now, but specific to your new location.

Explore online news outlets like THE PATCH or local newspapers.  Join local social media groups, which often give a sense of the community. Just like in your current area, you’ll find a mix of people—some helpful, some not—but these groups can offer valuable insights.

Check out religious and cultural organizations that align with your interests. Their websites often list their mission and activities calendars, which can help you connect with like-minded people even before you arrive. Many also offer newsletters or online communication platforms that are great for staying in the loop. Research schools, crime statistics, demographic information, weather and more to fully understand how a move will impact your way of life.

Networking: Start by asking friends, family, or colleagues if they know anyone in your new area. Personal introductions can be invaluable in helping you get settled and learn more about your new community.

Pre-move Vacation: Consider spending a week or two in your new town or city to get a feel for the place. Use this time to meet with people who can assist with your move and try out activities you already enjoy—whether it’s sports, theater, religious services, hiking, or even attending a local event. Engaging in these activities will help you connect with locals and give you a sense of whether the area aligns with your lifestyle.

Consider a Two-Step Move: Evaluate whether it’s less stressful to rent for a year before buying a home. Each approach has its own benefits and challenges. Renting allows you to test the waters, while buying right away offers a sense of permanence—but either way, the decision should be based on your comfort level and finances.

Develop a Relationship with a Local Exclusive Buyer’s Agent: A local exclusive buyer’s agent is a valuable resource when moving to a new area. They have in-depth knowledge of the region and can guide you to community activities and resources that will ease your transition. Their expertise can help you navigate your home search while also connecting you with local networks.

Filed under: Blog, Boca Raton real estate, Down Sizing, EBA, Exclusive Buyer Agency, First Time Homebuyers, Florida Buyer Agent, Florida Exclusive Buyer Agent, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Homebuyer Advice, International Home Buyers, Moving Apps, Real Estate, Relocation, Retirement, second home, South Florida Real Estate, Tax deductions, Uncategorized, vacation home by Kim Bregman
Comments Off on Preparing For A Relocation

An exclusive buyer’s agent (EBA)is hired to help you with a big monetary decision, which is also a big personal decision. There is a wide variety in the quality of that fiduciary (financial) advice you will get, depending on the agent you choose.

An EBA is required to help their client get the best price and the best terms for the property that they want to buy. They are bound to help protect their client’s financial interests throughout the buying process.

How does buyer brokerage work? 

The company – traditional offices:

An agent who works with a buyer — and has a contract to give that buyer representation — is a buyer’s agent. The vast majority of buyer’s agents work in companies alongside other agents who represent sellers. In those companies, most work with both buyers and sellers. Whenever a buyer puts in an offer for a house listed by that company, the head of that office is a dual agent. Both agents want the highest price for the Seller …they are sub-agents of the Seller.

The company – exclusive buyer brokerage:

That’s why exclusive buyer brokerages are different. They are a small number of companies who don’t help sellers get the highest price for their house or condo. Instead, exclusive buyer’s agents (EBAs) work in firms that only help buyers buy properties. Exclusive buyer’s agents have no colleagues in the office who are trying to sell any particular house or condo. They are not invested in you buying any particular home; they want you to use your money to get what works best for you.

How do exclusive buyers agents help buyers?

Because EBAs don’t list properties for sale, they become buyer experts. They work only in the financial interests of buyers, so they can think clearly about how to get the best place for the best price.

They become experts in what are typical good points and bad points of local housing stock and neighborhoods. They can tell you whether the house you like is typical in your price range or if it is really special. They are free to share negatives, too, to help you avoid problems later.

In order to be fiduciary advisors, EBAs provide a buyer-centered view of the current value of a property you might want to buy. EBAs provide a comparative market analysis to give you an idea of what the property is worth before you decide on a price. Based on the market analysis, and the potential competition for the property, and how much you like it, an EBA will help you decide on a negotiation plan.

Because EBAs work only with buyers, they develop a reputation in the real estate market for having exceptionally prepared buyers.

Because EBAs work with buyers only, they develop a network of lenders who get your mortgage done on time at a competitive price, inspectors who look long and hard for defects in the property, and attorneys who will protect your rights.

What should a buyer ask an agent before hiring them?

• In the past year, how many sellers have you represented? How many buyers have you represented?
• If you run into an unusual situation, who do you go to for advice?
• Tell me about a recent success.
• Tell me about a recent problem with a house and how you handled it.
• Can I have three references?

Filed under: 2024 real estate, Blog, Boca Raton real estate, CEBA, EBA, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Florida Buyer Agent, Florida Exclusive Buyer Agent, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Homebuyer Advice, NAR, NAR Legislation, Real Estate, Real Estate Closings, Real Estate Investment, real estate news, South Florida Real Estate by Kim Bregman
Comments Off on Why Hire An EXCLUSIVE Buyer’s Agent

If you’ve been house-hunting in recent years, you’ve really been through it. Maybe you were waiting out the market, hoping the rocketing prices would start to flatten. Now, of course, they have — but between 2021 and 2022, mortgage rates have more than doubled, from less than 3 percent to more than 7 percent.

If you are renting and trying to save for a down-payment, the cost of your rental has likely increased as well.

Sellers who are sitting on low mortgage rates are not listing their homes for sale and supply shortages, cost of land, and cost of lending, along with higher labor and building costs have slowed down new construction.

All these factors contribute to a continued shortage of desirable inventory and home prices are staying propped up and not decreasing as one would expect.

Buyers need to adjust their expectations…Every buyer needs to do a gut check on how much house they can afford now. That might seem daunting, but higher mortgage rates don’t have to derail your dream of buying a home. In fact, historically, today’s rates are not considered particularly high.

Review your Budget: When you review your budget, keep in mind that newly built homes typically come with builder and manufacturer warranties and new energy-efficient appliances. Those advantages of a new home can lower your monthly housing costs. That’s especially true if you currently own an older home that needs repairs and has inefficient appliances.

Raise More Cash: Another option to buy a home with a higher rate is to spend more cash up-front. You can use cash to increase your down payment as a percentage of your loan amount, pay for builder upgrades in cash, or buy down your loan’s interest rate. You should work with your lender on the best use of your cash to achieve the lowest ongoing expenses to home ownership.

Evaluate Loan Options: A third strategy is to get a hybrid loan. This type of mortgage has a fixed rate that resets at the end of a specified period and is then fixed or adjustable for the remainder of the term. An example is a 7/1 hybrid adjustable-rate mortgage (ARM). This type of loan has a lower fixed rate for the first seven years. After that, the rate is adjusted annually (that’s the “1” part) for the remainder of the 30-year term.

Hybrid loans can be more affordable since the initial rate is usually lower. But there’s a risk: If you don’t refinance or sell your home before the rate resets, your payment could rise significantly for the rest of the term. If you can’t afford the higher payment, you could lose your home.

Rethink Your Needs and Wants:   Buying a less costly home is another way to cope with higher rates. Less costly doesn’t have to mean a home you don’t like or that doesn’t fit your needs.

Reconsider Your Timing: Interest rates fluctuate, sometimes dramatically, over time. If you postpone buying a home, rates might be lower in the future, making the home you want more affordable. Or they could be higher, putting the home you want further out of reach. Experts are predicting the latter. The question for homebuyers is whether waiting and hoping makes sense. The answer is never as clear as a crystal ball.

Experts recently polled project average 30-year mortgage rates to fall between 5-9.31%in 2023. No one is expecting a move downward in the next 5 years. Several factors could lead to unexpected rate movements in the coming year.

Owning a home has certain benefits that renting doesn’t offer. Renting means no control over future [home price or interest rate] increases, no accumulation of equity through price appreciation, no tax deduction for property taxes and mortgage interest if you itemize your deductions, and no benefit for improvements you make to the property. Waiting to buy while you hope rates move lower means forgoing those benefits.

The lost opportunity of not buying due to a fear of higher rates far outweighs the benefits of homeownership. It’s best to take advantage of what the rates are today and build equity sooner rather than later.

Filed under: 2022 Real Estate, Blog, Boca Raton real estate, cash out refinance, Exclusive Buyer Agency, Exclusive Buyer Agent, First Time Homebuyers, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Home Financing, Homebuyer Advice, House Closings, International Home Buyers, International investors, Mortgage Information, peer to peer lending, private money lender, Real Estate, Real Estate Closings, Real Estate Investment, real estate news, Real estate trends, Refinancing, Relocation, Retirement, second home, Self Directed IRA, Seller Financing, South Florida Real Estate by Kim Bregman
Comments Off on Planning for 2023 As Mortgage Rates Rise

Filed under: 2022 Real Estate, Blog, Boca Raton real estate, downtown boca raton, Exclusive Buyer Agency, Exclusive Buyer Agent, Florida Real Estate, Foreign Home Buyers, Home Buyer Advice, Home Buyers, Homebuyer Advice, Homeowners Insurance, International Home Buyers, International investors, Jupiter FL Gated Communities, Real Estate, Real Estate Investment, real estate news, Real estate trends, second home, short term rentals, South Florida Real Estate, vacation home by Kim Bregman
Comments Off on Short-Term Rentals As Investments

• Private money lenders
• Seller financing
• Peer-to-peer lending
• Hard Money Loans
• Personal Loans

Filed under: Blog, Boca Raton real estate, cash out refinance, contracts, Down Sizing, Exclusive Buyer Agency, First Time Homebuyers, Florida Real Estate, Foreign Home Buyers, HELOC, home equity, Home Financing, Homebuyer Advice, House Closings, International Home Buyers, International investors, Mortgage Information, peer to peer lending, private money lender, Real Estate, Real Estate Closings, Real Estate Investment, real estate news, Real estate trends, Refinancing, Retirement, Reverse Mortgage, second home, Self Directed IRA, Seller Financing, South Florida Real Estate, vacation home by Kim Bregman
Comments Off on Using Home Equity To Buy  Another Property