Frantz Richard Désir-Award Winning Miami Real Estate Consultant

Frantz Richard Désir-Award Winning Miami Real Estate Consultant Licensed Real Estate Broker In FL and GA-
Atlanta and M 🌴 A M I - REALTOR- Relocation Expert- Real Estate Consultant-ABR-AHWD-PSA-RRC-SFR.

11/25/2025

Debt falls on a spectrum. Mortgages and student loans can build long-term value, while high-interest credit cards and payday loans can strain budgets if not repaid quickly. NEW YORK -- Debt is often discussed in negative terms, but debt isn't just good or bad. It falls on a spectrum, and how you man...

11/24/2025

Adults age 23 to 28 are outpacing earlier generations by using incentives, builder deals, family help and affordable markets to purchase homes sooner than expected. NEW YORK – Shaky employment rates, affordability issues, high interest rates — despite these headwinds, Gen Z is quietly rewriting ...

11/21/2025

Rates on 30-year mortgages ticked up to 6.26% from 6.24% last week, while borrowing costs on 15-year mortgages averaged 5.54%, up from 5.49% last week. WASHINGTON — The average rate on a 30-year U.S. mortgage edged higher for the third week in a row, though it remains close to its low point this y...

11/20/2025

Homeowners have several ways to stay current on mortgage payments, from online portals to mail or phone. Extra payments can also shorten the loan term. NEW YORK – Paying your mortgage on time is good for your financial health in many different ways, including helping you build equity in your home ...

11/19/2025

New research shows 47% of renters think they’ll be ready to buy within four years, with modern credit tools helping ease concerns about qualifying. COSTA MESA, Calif. — Nearly half (47%) of renters in the U.S. believe they’ll be ready to purchase a home within the next four years. That figure ...

11/18/2025

NAR economists predict home sales will climb in 2026 as mortgage rates ease, buyer demand strengthens and price growth continues despite uneven market conditions. HOUSTON — Real estate professionals may finally see a long-awaited surge in activity in 2026, with home sales poised for a potential do...

11/17/2025

The IRS will allow workers to contribute more to 401(k), 403(b), 457 plans and IRAs in 2026, including higher catch-up amounts for people 50 and over. WASHINGTON — Americans will be allowed to contribute more of their money to 401(k) and similar retirement saving plans next year. The IRS said Thur...

11/15/2025

Federal housing programs are starting again after the shutdown ended, restoring FHA, VA, USDA and NFIP activity. Closings may still see delays due to backlogs. WASHINGTON — Federal programs critical to the U.S. housing market are set to resume after the U.S. House of Representatives on Wednesday a...

11/14/2025

Inflation, missing economic data and signs that companies plan to raise prices are raising doubts about whether the Fed will move forward with another rate cut. WASHINGTON — Two Federal Reserve officials expressed opposition Wednesday to another interest rate cut at the central bank's next meeting...

11/13/2025

Fewer homeowners are completing a For Sale By Owner transaction and are heavily turning to real estate agents for guidance, NAR found. CHICAGO — The number of homeowners trying to sell their home by themselves hit another record low this year, following last year’s previous low. That may be beca...

11/13/2025

Sizi te pase bò yon kay epi li te tonbe damou pou li. Li te rele ajan ki te sou afich Kay la epi li te mande pou l al wè kay la. Sizi pa t gen lèt pre-apwobasyon( pre-approval letter) men li te jis konnen li te vle kay la. Ajan an te fikse yon randevou pou vizite kay la, vandè a te oblije kite kay la pou yon èdtan, ak 3 timoun piti li yo ki poko gen 3 an epi jwenn yon kote pou l ale pou omwen yon èdtan.

Sizi te wè kay la, e li te tonbe damou Kay la e te vle kay la plis toujou, li te ka wè tout mèb li yo ladan l, li te mande ajan an konbyen kay la te ye, ajan an te di pri a se $350,000. Sizi ale nan yon enstitisyon finansye pou jwenn pre-apwobasyon( pre-approval letter ) epi li te dekouvri ke li te sèlman apwouve pou $200,000 e li pa t ka jwenn kay ke li te tonbe damou pou li a.

Pandansetan, Jozèf ki te gen pwòp ajan li, te jwenn pre-apwobasyon anvan li te gade menm kay la ke li te wè aprè Sizi epi li te tonbe damou tou. Kòm li te deja pre-apwouve pou $400,000, li te konnen li te kapab peye l, li te fè yon òf epi òf li a te aksepte epi li te finalize acha kay rèv li a ki se menm kay Sizi te wè e li pat kalifye pou li a. Si Sizi te pran tan pou li fè pre apwobasyon li anvan li te tonbe damou Kay la se tap li menm Kounya ki tap gen chans achte Kay rèv li a se patap Jozèf.

Se pou ou fè tankou Jozèf, pa tankou Sizi😉

© Ajan Imobilye ak Bwokè Frantz Richard Désir rele Kounya nan nimewo sa 786-304-5460

11/12/2025

Housing officials said the White House is developing a 50-year mortgage option to expand affordability as home prices and adjustable-rate loans rise. WASHINGTON — Federal Housing Finance Agency (FHFA) Director Bill Pulte on Saturday said the Trump administration is "working on" a plan to introduce...

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