The Wealth Report 2016 by Douglas Elliman & Knight Frank

We had an amazing time and met the owner of Douglas Elliman; Howard M. Lorber, CEO; Dottie Herman, Liam Bailey; Knight Frank Global Head of Research whose birthday was today as well and came all the way from London to spend it with us.

This was a great conference to keep up with what is happening with the UHNWI’s (ultra- high-net-worth individual) – who are they? someone with a net worth of over USv$30m excluding their primary residence. This report showed us how they affect the world’s economy with the way they invest and where they invest.

More details coming here soon, come back to get all the info I learned at this great conference at 1 Hotel South Beach.

Araceli Client’s Zillow Reviews…

I would like to thank my clients who have review my services in Zillow. This helps other potential clients to know what to expect with my services.

Thank you for your kind words, it was a pleasure being part of the biggest investment of your families!

Potential Clients… please call me and I’ll be happy to assist you in both the Mortgage Process and/or Real Estate Process 305-206-5144

Happy 2016! Asking you for Referrals…

I would like to ask you for referrals to assist them as a financial and credit analyst to then help them in either both; the real estate and mortgage loan process to buy their home or just the mortgage if you are a realtor.

I have the ability, expertise, commitment and care for my clients to help them structure their credit report and finances to find the best possible program for the home purchase.

As a real estate professional I have the knowledge to advise the best type of property and neighborhood according to the client’s lifestyle, priorities and ownership motivations. I would like to be able to do that for your friends, family, clients and colleagues as your referrals is the best compliment you can give me.

I am looking forward to working with your circle of friends, family, clients and colleagues, rest assure they will be my priority and I would strive for the best service for them because of your trust to referring me. Here a summary of my services:


* Credit Analyst & Credit Builder
* Mortgage Banker
* Search and structure deals to purchase residential & commercial properties
* Secure financing for current & new business
* Generate wealth for individuals by developing a constructive financial plan
Araceli Villanueva’s extensive experience with clients with no credit, limited credit, bad credit, good and great credit, has help her to develop and prove her credit analysis system which is personalized to the client’s own personal credit history. Credit is the first step to build a credit and financial plan to qualify for a mortgage loan and thus know their maximum potential purchasing power to find their biggest personal investment in their lives as well as their home.

Araceli Villanueva is a “Miami Lifestyle Specialist”. With over 19 years of experience as an investor, owner and a licensed realtor since 2001, Araceli’s wealth of experience and negotiation skills makes her a top performer in her field.

Additionally she has over 19 years of experience in mortgage finance from being a loan officer, processor, underwriter and lender rep she understands what lenders require when her clients need to do financing making her a “power house” professional.

Araceli is often referred by her clients as a “dream maker” as her skills to structure the deal that fits their finances and preferences along with her expert coaching, creative approach and resources, is what sets her apart from the rest in the industry, building an impressive reputation that consistently exceeds everyone’s expectations.

Araceli’s lives by this statement: “My clients are a very important part of my life, their needs are my needs”. They know this when they first meet her, they know she will work hard until she meets their needs. This personalize approach is what creates the lasting relationships with her clients that includes getting invited to family gatherings and clients referrals, this is the way she gets her reputation passed on to others.

Araceli’s professional success without a doubt is her commitment to maintain her work ethics to the highest level of excellence. She builds lasting relationships with buyers, sellers an everyone involved in the transaction by showing her trustworthiness, commitment and dedication from the pre-qualification, to the closing process; making her a “full service professional”.

Araceli has an extraordinary talented team that helps her to excel any clients expectations as she always goes the extra mile to achieve superb service. She is always available to answer any of her client’s questions.

She has been and is a highly recognized and a highly compensated Area Manager with a leading Mortgage Lender in the country where she consistently maintained a Top Producers Membership at the Platinum Producers Circle from 2002 to 2007 for personally generating over $500M in closing sales positioning her in the top 30 reps in the country from 2002 to to 2007. She is also in the Cambridge Who’s Who recognition since 2007 (Empowering Executives, Professionals and Entrepreneurs around the Globe.

Specialized in Miami-Dade County from the neighborhoods east of the I-95 from Aventura, Miami Beach, Design District to Brickell.

For more info go to:

Home Buyers & Market Outlook in 2016 – Millenials are In!

Here are a few things we can expect for the year to come:

First time Homebuyers will return to the market next year and they are millenials:The residual financial effects of recession-driven job losses and subsequent unemployment have impeded millennials’ entry into the home-owning market. In 2016, increases in employment opportunities will empower younger buyers to return to the market and fuel the continued housing recovery.

Both population and households will continue to grow at a slightly higher pace. Households headed by millenials will see significant growth as a reflection of economic gains. Millennials will also drive two-thirds of household formations over the next five years. Next year’s addition of millions of jobs and increased household formation will be the two key factors driving first-time buyer sales.

The Millenials are said to be about 90 million of the population, it is the largest generation we have ever seen in the USA. They make up about 29% of the population and 17% of households.  They are the dominant percentage of active home shoppers and are more interested in urban areas.

Existing Home Sales will increase: Existing sales will grow as more people are purchasing properties driven by the belief that rates will only keep on increasing. While the majority of housing activity next year will be driven by baby boomers preparing for retirement, millennials will account for the highest percent of first-time home buyer sales in 2016.

Home Prices will go up: While the demand will be driven up by improved employment opportunities, the fact that there is a low inventory will cause an increase in the market prices.

Mortgage rates are most likely to increase: Mortgage rates will increase by mid year if not earlier as the Federal Reserve increases its target rate. Thirty year fixed rate mortgages will incline. One year adjustable rate mortgages (ARMs) will rise as well.