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Harvey Rosenberg | Blog

Friday, April 19, 2019   /   by Harvey Rosenberg

5 Steps to Improving Your Credit Score

It's no secret that in order to get the best rate on a mortgage loan, you need good credit. Even if you don't have stellar credit, you may still be able to buy a home with creative financing. However, you should still try to improve your credit score prior to applying for a mortgage to be at the best you can. Here are 5 steps to improving your credit score.

Pay On Time

This one should be obvious, but late payments are a huge red flag to a company trying to give you money. These days, you should set up your payments to happen automatically, either through the credit card or loan company or through your bank. Payment history has a high impact on your credit score and takes 2 years or more to clear from your account. 

Pay Down Balances

This is a little harder especially if you've racked up a lot of credit. However, moving your overall credit card usage down from 75% or more will impact your score. Move it to under 50% for an even greater gain in FICO points.& ...

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Friday, April 12, 2019   /   by Harvey Rosenberg

Passive Income by Investing in Rental Properties

Recently, we came across an article about how to make a passive income in 2019. Passive income, in theory, is income you generate by doing nothing, being passive rather than active. The idea is that you set something up and sit back while the money rolls in. You can read the full article here. 

The truth is, no income is truly passive, or we'd all be doing it. From that list, having a rental property is probably the closest you can get to having a passive income. Of course, there are a few things to note before you can make it a fully passive income.

Finding the Right Rental Property

Do your research. Does the area support a lot of rental homes? Would yours be one of many, or could it stand out in the crowd? Before finding a passive revenue stream, you'll need to be active in finding the right location. 

Hiring a real estate agent that's not only versed in buying homes but deals with rental homes, either leasing or managing, will help you find the ri ...

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Friday, April 05, 2019   /   by Harvey Rosenberg

What to do in the Clermont area This Spring

Spring is here, and with it, plenty to do in the Clermont area. Here are a few popular events to check out.

Clermont Water Festival

The Clermont Water Festival is in its sixth year and happening on May 18th from 7:30 - 4 PM. Taking place at Clermont Waterfront Park, everyone is invited to attend. The all-day festival includes dragon boat races, a 5k race, canoe races, live stage entertainment, and food and craft vendors. The dragon boats are an exciting thing to see on Lake Minneola. The event is sponsored by New Beginnings, 


It's blueberry season and many of the area farms are open for picking. In addition to bringing home pounds of fresh Florida blueberries, the farms often have family-friendly events on the weekends. Check out the events pages at these local farms.

Southern Hill Farm
Lake Catherine Blueberries
Blueberry Hill Farm

First Friday

It's the first Friday of the month and that means First Friday in downtown Clermont ...

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Friday, March 29, 2019   /   by Harvey Rosenberg

Should You Sell Your Home "As Is"?

Selling a home as-is may seem like a viable option to get out of repairs or other general obligations, but is it the right thing to do? It may seem like the easier choice, but there are some drawbacks to selling a home as-is.

What does Selling As-is Mean?

First, selling a home as-is means that you are selling the property in its current state. It's usually defined in the purchase agreement what the current faults and issues are. Additionally, an as-is sale usually means the owners are not responsible for any repairs or faults found in the home by a home inspection. 

However, that does not mean the owner can fail to list any known issues with the home. For example, if the roof leaks and you know about it, you must be honest when asked. 

Plus, a licensed realtor will need to disclose any defects or structural damage to the home.

Is it worth it to Sell As-Is?

There are pros to selling as-is. While it's not the most desirable way to sell a home, there a ...

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Friday, March 22, 2019   /   by Harvey Rosenberg

Where to Buy a Retirement Home in Lake County

Did you know there are over 26,000 homes in Clermont, Leesburg, Tavares, and Mount Dora that are in age-restricted active adult neighborhoods? Where do you begin? What do you look for? We'll take a look at some of the more popular communities in our area.

King's Ridge Clermont
Kings Ridge in Clermont is one of the most established 55+ communities in the Clermont area. Located on 27, the community is convenient to area shopping, even by golf cart. Golf is one of the prime attractions at the community, with two courses on site. Owners can choose a golf membership which grants exclusive access to residents three days a week.  
Trilogy Groveland
Located north on 27, Trilogy is a newer community that boasts plenty of luxurious amenities. energy efficient homes, active lifestyle, and health and wellness are just a few of the features this area offers. Trilogy has a large community center with an athletic club, pool, full restaurant, and entertainment options.

Baytree T ...

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