Programa de visas EB-5 expirara en Septiembre 30, 2016


WASHINGTON – 22 de de septiembre, 2016 – Sin una extensión del Congreso, el programa de visas EB-5 que otorga visas a los extranjeros que inviertan al menos $ 500.000 en una empresa americana que crea 10 puestos de trabajo expirará el 30 de septiembre. Más allá de los beneficios para el mercado residencial de bienes raíces producto de las ventas de viviendas a inmigrantes,  también se ha convertido en una fuente específica del capital en la industria de bienes raíces comerciales.

El futuro del programa EB-5 no está claro, aunque el Congreso podría decidir extender temporalmente por lo menos hasta las elecciones de noviembre. El programa fue dispuesto previamente para terminar el 30 de septiembre de 2015, antes que los legisladores lo extendieran a través de las cuentas provisionales.

Si bien el programa EB-5 tiene muchos partidarios, la forma actual del programa ha sido criticada, y algunos legisladores quieren ver cambios en lugar de una simple extensión.

Un senador de Iowa, por ejemplo, no quiere que proyectos de condominios en los barrios de altos ingresos califiquen para  fondos de EB-5 los cuales estaban destinados a apoyar a las zonas insuficientemente desarrolladas y beneficiar a las zonas rurales. Sin embargo, un senador de Nueva York se opone al cambio, lo que podría llevar a un punto muerto.

Además, un congresista de Virginia quiere aumentar el límite de la inversión para inmigración a través de una visa EB-5. El senador Bob Goodlatte patrocinó un proyecto de ley que aumentaría la inversión individual a un mínimo de $ 800,000 si el proyecto está previsto para un área con alta tasa de desempleo, pero tan alto como $ 1.2 millones para proyectos en zonas con un desempleo relativamente bajo.


Fuente: The Real Deal 21 de septiembre, 2016, Konrad Putzier


EB-5 visa program set to expire Sept. 30

WASHINGTON – Sept. 22, 2016 – Without a Congressional extension, the EB-5 visa program that grants visas to foreigners who invest at least $500,000 in an American business that creates 10 jobs will expire on Sept. 30. Beyond the benefits to the residential real estate market from immigrant home sales, it has also become a targeted source of capital in the commercial real estate industry.

The EB-5 program’s future isn’t clear, though Congress could decide to temporarily extend it at least through the November elections. The program was previously slated to end on Sept. 30, 2015, before lawmakers extended it through stopgap bills.

While the EB-5 program has many backers, the current form of the program has been criticized, and some lawmakers want to see changes rather than a simple extension.

One senator from Iowa for example, doesn’t want condo projects in high-income neighborhoods to qualify for EB-5 funds that were intended to support under-developed areas and benefit rural areas. However, a New York senator opposes that change, which could lead to a stalemate.

In addition, a Virginia congressman wants to raise the bar on immigration via an EB-5 visa. Sen. Bob Goodlatte sponsored a bill that would raise the minimum individual investment to $800,000 if the project is planned for an area with high unemployment but as high as $1.2 million for projects in areas with relatively low unemployment.

Source: The Real Deal, Sept. 21, 2016, Konrad Putzier

© 2016 Florida Realtors®



Before you start clicking through new home listings on the Internet, save yourself time upfront. Make sure you’re pre-approved by a reputable lender that knows our local market.

Not sure who to call? Let me help. I work with lenders every day and can share my experience.

As your local agent, I’m here to answer your questions – whether you’re just thinking about buying a new home or are ready to take the leap. Please send me an email or give me a call.



There’s a big checklist to go over when buying a home: school rankings, traffic patterns, noise level, Walk Score, crime rates. When you throw in competing buyers, possible multiple offers and lender requirements, the process can be overwhelming. But there’s no reason to go it alone.

That’s where I come in. As your local agent, I’m here to help you every step of the way. Whether you’ve just started thinking about buying a home or have already decided to take the leap, give me a call. Let’s see what’s possible.




¿Está pensando en comprar una casa?

Hay una gran lista de cosas  para revisar antes o durante la  comprar de una  una casa: clasificación de escuelas, patrones de tráfico, nivel de ruido,  las tasas de criminalidad, cercania a lugares de interes. Cuando agregamos a la lista muchos compradores interesados,  ofertas multiples compitiendo y los requisitos del prestamista, el proceso puede ser abrumador. Pero no hay razón para hacerlo solo.


Ahí es donde entro yo. Como su agente local, yo estoy aquí para ayudarle en cada paso del camino. Ya sea que usted recien esta pensando  en la compra de una casa o ya ha decidido dar el salto, llámeme. Vamos a ver lo que es posible.


More Millennials expected to buy in 2016

One of the biggest barriers to buying a home for Millennials is the down payment. A recent study from TD Bank showed that more than 70 percent of Millennials (those between the ages of 18-34 in 2015) say they don’t have enough funds for a down payment to buy a home.

The good news is that home buyers don’t need to have a 20 percent down payment to buy a home. FHA or loans that are insured by the Federal government allow as little as 3.5 percent down. And the government is making getting these loans less expensive. The Federal Housing Administration began reducing the mortgage insurance premium recently for these low down payment loans and that move is going to help Millennial buyers, according to research firm RealtyTrac.

Nearly one-in-four buyers used FHA loans in the second quarter of 2015, up from fewer than one-in-five buyers the year before. Researchers believe that lower down payment loans that cost less can help more Millennial buyers purchase their first homes this year.
Please use my website as a continued resource and if you need more information on anything, please feel free to call or email me.

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To Tell Or Not To Tell Your Landlord?


Once you’re ready to move from renting to owning, you have a big decision to make: When do you tell your landlord?

Frankly, honesty is always the best policy. Once you start getting serious about shopping for a home, it’s important to be open with your landlord, especially if you’re still under a lease.

By being open and honest, you won’t have to fret about your landlord finding out that you’re looking to buy.

One suggestion: Offer a positive review or serve as a testimonial on the management company’s website if you’ve had a good experience – good word of mouth will help them out and let you leave in good graces.

If you’re ready to make the jump, email or call me – we’ll get started.

Have a blessed day !
Maria J. Bagdadi-Garcia
The Right Agent Makes All The Difference In The World.


Spring is here and so is the “House Hunting Season.”

Did you know that more than 40% of all homes are typically sold in the months of April, May, June and July?
If you are thinking about buying or selling a home – or both – count me in. I can help you with advice on pricing, financing, neighborhoods, and answer any questions you may have about next steps. I’m here to help.
Please use my website as a continued resource and if you need more information on anything, please feel free to call or email me.