Osmell.realtor

www.osmell.realtor

Osmell Proenza Perez | osmell.realtor Contact us for all your real estate buying and selling needs.

Amigos:

Le escribo para informarle que me he incorporado a Expedia® Cruceros®, ¡y me complace ayudar a mis amigos y a mi familia a planificar vacaciones espectaculares!

Como parte de la marca número 1 en la industria del turismo, Expedia Cruceros ofrece la mejor relación costo-beneficio en la más amplia selección de cruceros, ¡todo a los precios de Expedia! Esto incluye los beneficios extra de Expedia, como créditos para gastar a bordo y otros beneficios exclusivos. Así mismo, dado que ofrecemos mucho más que cruceros, puedo ayudarle a planificar todo tipo de vacaciones, incluidos resorts, tours, vuelos y hoteles en todo el mundo.

Ya sea que sueñe con un crucero o unas vacaciones en tierra, me gustaría que se uniera a mi club 7SEAS® . Le enviaré ofertas exclusivas en función de sus preferencias personales de viajes. Además, ¡lo inscribiremos a nuestro sorteo para ganar un crucero para dos personas!

Visite mi sitio web en https://www.expediacruises.com/es-PR/OsmellProenza, y haga clic en el banner “Ingresar para ganar”. ¡Es así de fácil!

Como una persona apasionada por los viajes, espero ayudarle a planificar unas vacaciones espectaculares tomando en cuenta todos los detalles de su viaje, y le dejaré tiempo para desconectarse, relajarse y disfrutarlo.

Para recibir asesoramiento de confianza, comuníquese conmigo al 702.741.8271, o al número gratuito 954.359.1339 Ext. 4079, o por correo electrónico a [email protected] en cualquier momento.

OSMELL PROENZA
Tu Especialista de Vacaciones de Ensueño

www.expediacruises.com/es-PR/OsmellProenza

Expedia Cruceros en Weston - Agencia de Viajes - Aire, Tierra & Mar Nuestros agentes de viajes están aquí para ayudar – antes, durante, y después de su viaje. Llámanos 302 Indian Trace Weston, FL

https://www.expediacruises.com/en-US/OsmellProenza

Dear Friends ,

I am writing to let you know that I have joined Expedia® Cruises® and am excited to help my friends and family plan a spectacular vacation experience!

As part of the #1 brand in travel, Expedia Cruises offers the best value on the widest selection of cruises – all at Expedia prices. This includes Expedia Extras, such as onboard spending credit and other exclusive bonuses. Plus, since we are more than just cruises, I can help you plan any vacation including resorts, tours, flights and hotels worldwide.

Whether you’re dreaming of a cruise or land-based vacation, I would like you to join my 7SEAS® Club. I will then send you exclusive deals that are based on your personal travel preferences. Plus, you’ll be entered into our draw to win a cruise for two!

Just visit my website at https://www.expediacruises.com/en-US/OsmellProenza/, and click on the “Enter to Win” banner - it’s that easy!

As a passionate traveler, I look forward to helping you plan a spectacular vacation experience by looking after all of the travel details; leaving you with time to sit back, relax, and enjoy.

For advice you can trust, contact me at 702.741.8271 toll free at 9543491330 Ext. 4079, or via email at [email protected] anytime.

OSMELL PROENZA
Your Dream Vacation Specialists

Estimado amigo:

Le escribo para informarle que me he incorporado a Expedia® Cruceros®, ¡y me complace ayudar a mis amigos y a mi familia a planificar vacaciones espectaculares!

Como parte de la marca número 1 en la industria del turismo, Expedia Cruceros ofrece la mejor relación costo-beneficio en la más amplia selección de cruceros, ¡todo a los precios de Expedia! Esto incluye los beneficios extra de Expedia, como créditos para gastar a bordo y otros beneficios exclusivos. Así mismo, dado que ofrecemos mucho más que cruceros, puedo ayudarle a planificar todo tipo de vacaciones, incluidos resorts, tours, vuelos y hoteles en todo el mundo.

Ya sea que sueñe con un crucero o unas vacaciones en tierra, me gustaría que se uniera a mi club 7SEAS® . Le enviaré ofertas exclusivas en función de sus preferencias personales de viajes. Además, ¡lo inscribiremos a nuestro sorteo para ganar un crucero para dos personas!

Visite mi sitio web en https://www.expediacruises.com/es-PR/OsmellProenza/, y haga clic en el banner “Ingresar para ganar”. ¡Es así de fácil!

Como una persona apasionada por los viajes, espero ayudarle a planificar unas vacaciones espectaculares tomando en cuenta todos los detalles de su viaje, y le dejaré tiempo para desconectarse, relajarse y disfrutarlo.

Para recibir asesoramiento de confianza, comuníquese conmigo al 888-385-0001, o al número gratuito 888-385-0001, o por correo electrónico a [email protected] en cualquier momento.

OSMELL PROENZA
Tu Especialista de Vacaciones de Ensueño
Communicate

P. D.: a continuación, incluyo vínculos con información que puede resultarle de interés.

CruiseShipNews®: aproveche para leer artículos inspiradores y acceder a ofertas de cruceros. Asegúrese de suscribirse y le enviaré el boletín informativo de este mes por correo electrónico.

Excelentes ofertas: a todos les encantan las grandes ofertas, ¡y tenemos las mejores para ofrecerle! Incluso podrá reservar en línea y haré el seguimiento correspondiente para coordinar los detalles.

Líneas de cruceros más populares: descubra los barcos, las actividades y los itinerarios de estos resorts que se desplazan sobre el mar.

Vuelos/hoteles/autos: todo el inventario de Expedia también está disponible en mi sitio web personal.

Primera vez en un crucero: un gran recurso para aquellos que están pensando en la posibilidad de tomar un crucero por primera vez.

https://www.equifax.com/personal/education/credit/score/articles/-/learn/average-credit-score-state/

What’s the Average Credit Score in Each State? | Equifax The average credit score in the US is 705, but this score varies in each state. Compare your credit score with your state’s average score and learn more here.

https://www.floridarealtors.org/news-media/news-articles/2024/07/economists-housing-market-turnaround-soon?utm_campaign=7-10-24+Florida+Realtors+News&utm_medium=email&utm_source=iPost

Economists: Housing Market Turnaround Soon Economists at the National Association of Real Estate Editors conference said 2024 home sales are too low, and prices and interest rates are too high.

🌴✨ ¡Encuentra tu hogar perfecto en Miami con un Realtor Licenciado! ✨🌴

¿Buscando comprar una propiedad en Miami? ¡No caigas en manos de no licenciados! Confía en un experto con licencia que conoce el mercado y te guiará en cada paso del proceso.

🔑 Con mi experiencia y conocimiento local, te ayudaré a encontrar la propiedad ideal para ti.

🏡 ¡Hagamos realidad tus sueños de tener casa en Miami!

📲 Contáctame hoy al 702.741.8271
💻 Visita www.osmell.realtor para más información.

Florida has several programs available for first-time homebuyers that offer assistance with down payments and closing costs, often with no initial down payment required. Here are some notable programs:

1. **Hometown Heroes Program**: This program provides assistance to frontline workers such as teachers, firefighters, police officers, and healthcare workers. Eligible participants can receive up to $35,000 or 5% of the loan amount for down payment and closing costs. This assistance comes as a 0% interest, non-amortizing deferred second mortgage that doesn't require monthly payments but must be repaid if the home is sold, refinanced, or if the owner moves [oai_citation:1,
Homebuyer
](https://www.floridahousing.org/programs/homebuyer-overview-page) [oai_citation:2,Florida First-Time Home Buying Assistance Programs & Grants for 2024 | SoFi](https://www.sofi.com/first-time-home-buyer-programs-in-florida/).

2. **FL Assist**: This program offers up to $10,000 as a deferred second mortgage with no interest or monthly payments, which helps cover down payment and closing costs. The loan is only repaid when the homeowner sells, refinances, or finishes paying off the primary mortgage [oai_citation:3,
Homebuyer
](https://www.floridahousing.org/programs/homebuyer-overview-page).

3. **Florida First**: This initiative includes 30-year fixed-rate mortgages combined with down payment and closing cost assistance. Borrowers may also qualify for the FL Assist or other second mortgage programs [oai_citation:4,Florida First-Time Home Buyer Programs in 2024 | LendingTree](https://www.lendingtree.com/home/mortgage/florida-first-time-homebuyer-programs/).

4. **FL HFA Preferred and HFA Advantage PLUS**: These programs provide 3%, 4%, or 5% of the total loan amount as forgivable second mortgages, which are forgiven at a rate of 20% per year over five years. This effectively makes the assistance free if the homeowner stays in the home for at least five years [oai_citation:5,Florida First-Time Home Buyer Programs in 2024 | LendingTree](https://www.lendingtree.com/home/mortgage/florida-first-time-homebuyer-programs/).

5. **State Housing Initiatives Partnership (SHIP)**: This statewide program distributes funds to local governments to provide down payment and closing cost assistance. Specific terms and eligibility criteria can vary by county and municipality [oai_citation:6,18 Florida First-Time Home Buyer Assistance Programs - NerdWallet](https://www.nerdwallet.com/article/mortgages/florida-first-time-home-buyer-grants).

To apply for these programs, you'll need to meet certain eligibility criteria, such as completing a homebuyer education course, working with an approved lender, and meeting income and purchase price limits specific to the area where you plan to buy a home [oai_citation:7,Florida First-Time Home Buyer Programs in 2024 | LendingTree](https://www.lendingtree.com/home/mortgage/florida-first-time-homebuyer-programs/) [oai_citation:8,18 Florida First-Time Home Buyer Assistance Programs - NerdWallet](https://www.nerdwallet.com/article/mortgages/florida-first-time-home-buyer-grants).

For more details, visit the Florida Housing Finance Corporation website or consult with a participating lender to see which programs best suit your needs.

18 Florida First-Time Home Buyer Assistance Programs - NerdWallet Looking for first-time home buyer grants in Florida? Here are 18 statewide and local first-time home buyer assistance programs

https://miami.craigslist.org/mdc/roo/d/miami-room-for-rent/7727492185.html

Room for Rent - rooms & shares - apartment room roommate share rent - craigslist Room for rent during Miami March events Miami Open Miami Music Festival Ultra Music festival Private room with private bathroom and balcony Access to kitchen and entire house Laundry Room Internet...

If you've been holding out for the perfect home, look no further.

8058 NW 105th Ave Doral, FL 33178 Beautiful Townhouse in the gated community area, 3 bedroom, 2.5 bath, with beautiful porcelain title floors in the living room area and title in all rooms including stairs. Beautifully covered outdoor patio. Great schools, kids friendly, amazing neighborhood. One of the most sought-after areas in Do...

With an abundance of windows, this was built to take advantage of scenic views.

Mountain House / Chris Van Niekerk Completed in 2022 in Cape Town, South Africa.

Admit it: you wanna' take a look. Spacious 2 bed and 2 bath in Lake Worth, FL.

6850 10th Avenue N # 107 Lake Worth, FL 33467 Located on the first floor you'll find a spacious 2 bedroom 2 bathroom and screened balcony offering golf course and lake views. Master suite offers plenty of closet space and a step-in shower. Fully-equipped kitchen features plenty of storage with pantry. Exceptional amenities Centrally located nea...

Give your life a fresh boost with a home upgrade. Is this the one?

713 Nandina Dr Weston, FL 33327 Impeccably maintained two-story home sitting on premium private lakefront lot with 5 BR/4 BA plus loft. Gourmet kitchen with SS Bosh and GE appliances, premium granite countertops, induction stove top island, and bar with refrigerated wine cellar. Second floor: new flooring, ensuite, custom closets....

Imagine turning the key to open your beautiful new home.

3958 W Whitewater Ave Weston, FL 33332 STUNNING HOME FOR SALE IN WESTON FLORIDA!!! Discover this exquisite two-story,5-bedroom,4-bathroom home in the exclusive Isles at Weston, located in a tranquil cul-de-sac and boasting an exclusive prime location with a gorgeous wide lakeview.This property offers ample spaces and natural light though...

Are you planning a ? Here are some tips to make it more relaxing.

Tips for a Relaxing Road Trip If you're still feeling cautious about travel but cabin fever is closing in, a relaxing road trip can be the perfect escape.

Imagine turning the key to open your beautiful new home.

550 NW 214th St 204 Miami Gardens, FL 33169 Welcome to Misty Lake! A quiet and very well-kept gated community in Miami Gardens. This very spacious and cozy Condo is conveniently located near major highways. The iconic Hard Rock Stadium and luxurious Aventura Mall add to the appeal. This gorgeous unit is located on the 2nd floor. Enjoy your ev...

Here's a listing you won't want to miss!

608 Woodgate Cir E Sunrise, FL 33326 GREAT OPPORTUNITY!! 3/2 CORNER VILLA ON FANTASTIC WATERFRONT LOT, ENJOY YOUR MORNING COFFEE OVERLOKKING A RELAXING VIEW OF WATER AND NATURE. TILE FLOORS IN LIVING AREA AND WOOD FLOORS IN BEDROOMS. OPEN KITCHEN BEAUTIFULLY DONE WITH WOOD CABINETS, STAINLESS STEEL APPLIANCES, GRANITE COUNTERTOP AND TH...

This 3 BED home won't last long! Ping me for details or a showing.

12422 SW 251st Ter Homestead, FL 33032 Discover the perfect blend of natural beauty and modern comfort in this charming 3-bedroom, 3-bathroom home, ideally situated near excellent schools, less than 20 miles from Biscayne National Park and just 4 miles from Black Point Marina. This property is a haven for nature enthusiasts and outdoor l...

See what this home has to offer! Contact me for a showing today.

4208 Mahogany Ridge Dr Weston, FL 33331 Don't miss out on this One owner home in the beautiful community of The Ridges! With 3 bedrooms and 2 baths, this house is loaded with potential. Conveniently located, it's just a few steps away from the school's Bus Stop and it's within walking distance of top-rated middle and high schools, as well...

Tension rods are extremely versatile! Try them in your home.

17 Smart Ways To Use Tension Rods Around Your House Tension rods are one of the most useful and versatile tools you can use to organize your home! Check out these 17 brilliant uses for tension rods.

Give your life a fresh boost with a home upgrade. Is this the one?

5706 Candlewood Avenue Mangonia Park, FL 33407 This spacious 2 bedroom 2 bathroom newly renovated home with updated sought after white kitchen with stainless steel appliances. This home is located on a large lot with room for pool, has NO HOA and driveway has accessibility to accommodate 8 cars . Don't miss out on the opportunity to make this yo...

A policy should cover at least the replacement cost of your house. Learn more here.

How Much Insurance Do I Need When I Buy a Home? A standard homeowners insurance policy protects your home in case an unexpected disaster occurs, but only if you have enough coverage.

This in the forest has a lot going for it.

This Home Hidden In The Forest Appears Like A Stack Of Illuminated Boxes William / Kaven Architecture has designed a modern black house that's perched on a steep slope in the forest.

Finally - open the door to a place you and your family will love to call home.

9833 N Grand Duke Cir Tamarac, FL 33321 Single Family Home in Plum Bay Harbor in Tamarac with 3 Bedrooms and 2.5 bathrooms. It’s being sold as-is with the right to inspect, the roof was replaced for 2 years ago

Knowing how to read a is something everyone should know how to do.

How To Read Your Credit Report It can be a challenge to understand everything contained in your credit report. Here's how to decipher each section so you can manage your credit.

You can make this house your home! Ask me for more info.

11605 NW 89th St 205 Doral, FL 33178 Unlock an exceptional investment opportunity in the heart of Doral with this impeccable 2-story condo—spacious open kitchen with stainless steel appliances and granite countertops. High-impact windows, ensure safety and tranquility. The convenience of in-unit washer and dryer, NO carpet for a clea...

This home will wait for no one. Be the first to see it!

5790 SW 130th Ave Southwest Ranches, FL 33330 Stunning fully fenced in and gated home in the desirable Southwest Ranches. This spacious property is on a well manicured 1.85 acres that includes a small pond. The main house features 4 bedrooms, 2.5 baths, and a spacious 4 car garage with AC. Additional 2 bedroom 1 bath apartment with its own kitc...

If you've been holding out for the perfect home, look no further.

3374 W 104th Ter Hialeah, FL 33018 This is a stunning 4 bedroom, 2.5 bath home in a vibrant community. This beautiful property offers a spacious layout. Discover a bright and inviting living space, complemented by a modern kitchen featuring sleek appliances and ample storage. The master suite provides a peaceful retreat with its luxu...

Admit it: you wanna' take a look. Spacious 3 bed and 3 bath in Coral Springs, FL.

11201 Lakeview Dr 48-M Coral Springs, FL 33071 Don’t miss this opportunity!! This well-maintained 3-bedroom, 2.5-bathroom plus Den townhouse in the Portofino community of Coral Springs not only offers an attractive income stream but also boastsunique features that set it apart. This property’s location combines the sense of spaciousness andp...

A beautiful home like this won't stay on the market for very long. 2 bed and 2 bath in great neighborhood! Call, text or direct message me for details.

16313 Malibu Dr # 73 Weston, FL 33326 LOCATION, PRICE & VIEW!! Largest and lowest-priced 2/2 villa (just under 1,700 sqft) PLUS FAMILY RM/DEN on the Bonaventure golf course in California Courts of Weston! $5K BUYER CREDIT to update kitchen. This open flow floorplan feels more like a home and is rarely available- one story (NO stairs) wi...