Real Estate Information Archive


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Todd is in our office regularly, as well as is available to chat by phone or meet with you about how he can best serve you. Be sure to let him know I suggested you talk with him before committing yourself to a loan. I am happy to share his latest newsletter:

~~Happy 2015!!

I could not think of a better way to start off 2015 except by sharing these pieces of great news.

The first bit of news you might have heard, rates are low! Typically low rates mean low home sales because low rates are brought on by a less than stellar economy. However, rates are low due to geopolitical issues and not negative US economic issues. This is great because we are going to have more homebuyers this year than last year, and these homebuyers can cash in on some super low rates.

The second piece of news might have gotten to you already (darn social media!)… FHA is lowering its monthly mortgage insurance. This is great because FHA is a solid mortgage option for many. Lenders have greater success getting buyers with higher debt to income ratios approved using FHA financing versus Conventional or USDA. FHA also does not impose higher interest rates for those with average credit. (Conventional financing has loan level pricing adjustments where someone with a 700 credit score gets a higher rate than someone with a 760). Lower monthly mortgage insurance makes the mortgage more affordable and more attractive to the homebuyer...

Please let me know how I can be of service to you and your clients.

Talk to you soon! 
Todd Richards | Loan Officer | NMLS #100086 |
 2699 Lee Rd. Suite 480 Winter Park, FL 32789   407.645.6312 OFFICE   407.628.2609 FAX   407.680.5717 MOBILE

Waterstone Mortgage Corporation (NMLS #186434) is a wholly owned subsidiary of WaterStone Bank SSB (NASDAQ: WSBF).

Information to Improve Home Ownership

by Pat Argo

After spending the Holidays with Family and Friends, this is a time of year to start thinking about changes to make lives, both personal and in business. We wanted to share one of ours with you.

Our Goal is to become your REALTOR for life. I want you to think of us when you need to buy or sell and that you recommend us to your friends and family too. That kind of trust has to be earned and I'm committed to helping you be a better homeowner even when you are not buying and selling. 

The strategy is simple. A well informed Homeowner will make better decisions. We'll periodically offer information through articles (such as my Blog here) and Social Media on a wide variety of home-related topics like maintenance tips, tax law changes, financing suggestions, insurance, equity building strategies, and rental property investments. As a Homeowner and Small Rental Investor myself, I like to stay current and enjoy sharing what I find.

Please contact me if you need a recommendation on a service provider. Our experience has built a list of reputable and reasonable contractors that you can rely upon. If you know of great servers in North-Central Brevard, I am always open to learning about them as well! I just went through my first Insurance Claim ever, (other than a roof when the hurricanes were here!) and it was an extreme learning experience.

Please contact me if you need a recommendation or service provider Experience has built a list of seasoned, reputable services that you can rely upon. When you have any kind of home related questions, I hope you'll have the confidence to call.

Happy New Year! I look forward to helping you or your friends when they have real estate needs or questions.


Displaying blog entries 1-2 of 2

Contact Information

Photo of Pat Argo, Broker Assoc, CRS, GRI, RECS, SFR, S Real Estate
Pat Argo, Broker Assoc, CRS, GRI, RECS, SFR, S
Keller Williams Realty of Brevard
6905 N Wickham Road #405
Melbourne FL 32940
Cell/Text: 321-537-4721
Office: 321-259-1170
Fax: 321-435-3124