Solstice Realty

Hello everyone,

Let's welcome Mr. Spencer and his family to their new home!
May God continue to protect them.

Hello everyone,

Please open the following link to go to pages 2 and 3 to learn more about the down payment assistance.

https://www.canva.com/design/DAGeXWzQfTI/Tpd_lX53PtKB5gKqA0qm3w/view?utm_content=DAGeXWzQfTI&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=hb47187e301

Hello everyone,

May the Christmas holiday bring you inner peace, strength, good health, love, and everything you long for.🙏🏿
I found this article interesting about the reason we celebrate Christmas on December 25th.

Please enjoy a great read.

Why Is Christmas Celebrated on December 25? Based on the fact that Christmas takes place on December 25, one might deduce that this is the date of Jesus’ birth. The truth is a little more complicated.

Hello,

Are you looking for a newly built home?
There you go.

Greetings,

This home is just perfect for the family.

Hello,

Are you ready to come home? You just need to knock at the door of your ownership dream.

Greetings,
Are you ready to come home to this beautiful townhome? You just need to schedule an appointment to take a tour.

You are invited to stop by to tour this beautiful two-year old home. Click here for more details:
https://solsticerealty.net/

Thank you

Amazing opportunity to assume a low interest rate of 3.75% (FHA) mortgage.
Welcome home to this unique floor plan with high ceiling that appeals to everyone. Your future home features separate formal dining room and formal living room, view of the spacious family room from the open kitchen with nice countertop, stainless steel appliances, wood-look tiles, ceramic tiles, waterproof vinyl flooring, and more. You just need to come take a tour with the family.

Escrow Shortage!
Stay in the know with Solstice Realty!

You must have already received the 2024 Real Estate Tax Notice in the mail for your home. It shows you how much your property taxes are due for this month and beyond. Most of you have an escrow account with your lender.

Take Action : go to your lender's website to review your escrow balance.
For example, let's say that your escrow balance is $3,500.00 to cover your property taxes and hazard insurance.
Let's say that your property taxes are $2,500.00. That basically means that there is enough funds to pay the property taxes. However, what about your hazard insurance policy? If your hazard insurance is more than $1,000.00 per year, you may have an escrow shortage if it is due soon.

Call your insurance company to find out how much your insurance is going to be and when it is up for renewal.

Lender's action :
You will receive a letter or email from your lender very soon to let you know that your escrow account was short of $$ for 2024. Such shortage may have been a result of an increase in your property taxes and/or hazard insurance premium.

Escrow simply means that each time you pay your mortgage, your lender collects a small portion to cover your property taxes & hazard insurance. The ongoing increase in property value is directly proportional with the property taxes we pay in November of every year. Hazard insurance has been on the rise also.

Don't panic!:
Here is what you should do. You can login onto your lender’s portal (website) to review your escrow account. To be on the safe side, it would be better to call your lender to talk with a rep in the escrow department. Ask the rep for the amount to pay to prevent your mortgage from going up. Once that's done, you can pay the shortage for 2024 & the projected shortage for 2025 out of pocket.
With that said, your mortgage should not go up.

FYI ... If you bought your house early this year, if the shortage is significant, you need to look at your final Settlement Statement ( ALTA or HUD1) to see if the title company's or the attorney's property taxes estimate was too low. If that's the case, the title company will call the seller to request a reimbursement for the shortage. If in doubt, call your Realtor for assistance.

Thank You,
Jacques Guillaume/Broker
https://solsticerealty.net
https://mlsHaiti.com

MLS HAITI – Haiti Real Estate “Buying a home in this market is quite the task and can be extremely stressful. You need someone you can count on and trust, and will be in your corner when you need encouraging. Mr. Guillaume is not shy of fitting this character. He is professional, prompt, courteous, and reliable. Mr. Guillaume ...