Oswaldo Torres's (wallytorres) Blog

I am not a big fan of chain letters; as a matter of fact I hate them. They spread viruses and for the most part they are a waste of people's time. Today though, I received one from a friend who I had not heard from in a long time with the following subject line: ICE campaign - "In Case of Emergen...

One of the issues affecting homeownership is the lack of a down payment or closing cost money. It is estimated that 30% of prospective homebuyers with a credit score of 620 or better do not have adequate funds to cover the down payment and/or closing costs. Pasco County and Pinellas County have D...

Just a few days ago we held a 1031 exchange seminar at our beautiful new office in Wesley Chapel, Florida. The seminar was hosted by Brian C. Mannella, Account Executive of IPX 1031 Investment Property Exchange Services, Inc.  I have asked Brian for permission to share the information provided by...

Five Sources for New BusinessNetworking Groups - There are many networking groups. Some are industry related some are hobby oriented. For example you can join a real estate investment association and develop relationships with investors or lets say you love dogs, join a dog owner association and ...

How well do you roll the D.I.C.E.?There are four primary factors that lenders look at when considering the rate & term that a particular borrower may qualify for. They are Debt, Income, Credit, & Equity or D.I.C.E.When pre-qualifying a prospective buyer the acronym D.I.C.E simplifies the understa...

There are 3 financial reasons why people cannot buy a home or trade up1.  Lack of income or employment2.  Unsatisfactory credit history3.  Insufficient down payment and closing cost fundsEliminating #3, brings a 33% increase of prospects to the buying arena. That's not all! Our Family Grant Progr...