City Spotlight Miami Springs

I had the honor of hosting the City Spotlight for the City of Miami Springs with Mayor Maria Puente Mitchell and Miami Realtors. The Mayor shared some great information about the revitalization of the Miami Circle and 36th street. I was able to share a market update about the Miami Springs real estate market and our Miami Realtors CEO, Teresa Kinney, presented our new Global headquarters, which will be in the heart of Miami Springs!

Thank you to everyone who attended! Make sure to follow @themiamirealtors to learn about future City Spotlight events!


Aria Reserve Miami - The Tallest Residential Waterfront Dual Towers in the United States

Aria Reserve Miami

A pair of glass towers with flowing design profiles rise high above Miami’s chic Edgewater neighborhood. Directly on the shores of Biscayne Bay and surrounded by lush gardens and nature, Aria Reserve is immediately recognizable, yet feels like a private estate hidden away from the rest of the world. It is a first-of-its-kind relationship between design and nature, which creates an atmosphere of total serenity.

2 Tallest Waterfront Dual Towers in the United States

5+Acres of Waterfront Reserve

547 Linear Feet on the Water

2+Acres of Exclusive Amenities

Every unit has direct waterfront views

One to four-bedroom residences are priced from $850,000 to over $2 million. Only $50,000 to reserve your new home in the sky!


Pricing & Opportunities

  • One Bedroom - Sold Out!
  • Two Bedrooms - From $1,340,000
  • Three Bedrooms - From $1,364,900
  • Four Bedrooms - From $2,140,900

Payment Plan

  • Reservation $50,000
  • 20% Deposit at Contract
  • 5% Deposit at Groundbreaking
  • 10% Deposit at the 20th Floor
  • 5% Deposit at Top-off
  • 60% Deposit at closing (financing available)



Chandra Etienne Elected to Lead MIAMI Realtors Young Professionals Network

I had the honor and privilege of being installed as the 2022 Miami YPN President! There is still a lot of work to be done to ensure that our real estate leaders across the country at every level accurately represent the communities that they serve. So, I want to thank @themiamirealtors for giving this young, Black woman born of Haitian Immigrant parents the opportunity to serve as the 2022 President for Miami YPN at the nation's largest local Realtor association, and let’s admit, the best Realtor Association in the world. Although I’m the one on this stage, this is so much bigger than me. So, thank you. 🙏🏾🙌🏾

I look forward to serving alongside the other great leaders who are also installed -  Fernando Arencibia Jr., Brad Westover, Michael D Hinton, Enrique Teran and David Dweck. I’d also like to thank all of our loyal customers, agents, and affiliates for believing in us, my friends and family for supporting me.

It has been an honor, privilege and a blessing to be serving on the Miami YPN board since 2019. Serving alongside other professionals who are just as passionate about our association and our industry as a whole makes this even more of a fulfilling experience! As the 2022 Miami YPN President, the goal is to expand on our national global connections and relationships, improve and develop new educational curriculum and events to help with professional development, and to strategically collaborate with all of the other boards to provide even more value to our Realtor members. Together we are better, and I can't wait to see what our boards and associations accomplish together this year!


Baccarat Residences Miami

One of the most prestigious luxury hotel brands in the world, Baccarat Residences Miami. The three towers will feature 57, 77 and 82 stories. It will offer 360 residences.

The famous architecture firm Arquitectonica, designed the towers to resemble waves undulating in a sea of glass. All Residences have high ceilings, and impact-resistant windows that frame views of Biscayne Bay and Downtown Miami. As it is located practically in the center of Brickell, the views from the top floors in the complex are some of the best in Miami.


RESIDENCE 3005 (1540 SQ FT) USD 1,374,900
RESIDENCE 4805 (1540 SQ FT) USD 1,426,900
RESIDENCE 6805 (1540 SQ FT) USD 1,590,900

RESIDENCE 1904 (2018 SQ FT) USD 1,730,900
RESIDENCE 4203 (2157 SQ FT) USD 1,876,900
RESIDENCE 3502 (2189 SQ FT) USD 1,926,900

RESIDENCE 3806 (2662 SQ FT) USD 2,236,900
RESIDENCE 4106 (2662 SQ FT) USD 2,450,900

RESIDENCE 4701 (3654 SQ FT) USD 4,454,900


  • Lushly landscaped secluded private entrance leading to the riverfront arrival court and elegant porte-cochère entranceExquisitely appointed entrance lobby with grand high ceilings leading directly to three banks of double private elevators to each residence

  • Permanent installation of curated museum quality art collection throughout the building’s public spaces

  • Elevated 12th level amenities resort deck loaded with a dramatic zero-entry heated saline swimming pool, outdoor spa, pool-side cabanas, summer kitchen area and beautifully landscaped sun terrace

  • Glamorously designed Grand Salon, set as the ideal location for both intimate gatherings and grand celebrations

  • Luxurious Clubroom with bar and billiards, catering kitchen, and multimedia facilities

  • State-of-the-art fully equipped fitness center curated by Altitude Fitness with cardio theater, spinning room, yoga and meditation rooms, all overlooking the pool deck resort area

  • Hammam spa with men’s and women’s steam and sauna facilities, luxurious treatment rooms and spa shop

  • Private screening room with cutting-edge audiovisual equipment and theater-style seating

  • Game room with multimedia facilities and children’s playroom

  • Business Center with conference facilities and private work spaces

  • Gourmet market

  • Wine Cellar and Tasting Room

  • State-of-the-art Chef’s Kitchen and Private Dining room

  • Pet friendly community with Pet Spa, Grooming and Walk Service

  • Hair Salon & Barber Station

  • High-speed internet access in all public areas

  • Electric vehicle charging stations

  • Air-conditioned storage rooms

  • Bicycle storage spaces

  • Highly attentive concierge, with convenient mail and receiving desk

  • Luxury house car limousine service for convenient transport within a three-mil radius

  • 24-hour complimentary valet and optional self-parking in assigned spaces in covered and secured parking garage

  • 24-hour attended security services and controlled access

  • Residential oversight including pet care, plant care, and away from home maintenance

  • 24 hour room service

  • Planned signature riverfront restaurant

  • Lushly landscaped wide promenade along the Miami River connecting to the Miami Circle National Historic Landmark park

  • Elevated waterfront amenities deck with infinity pool offering unparalleled views across the Miami River and Biscayne Bay

  • Private marina with over 300 linear feet dockage with resident yacht for on-demand reservation services and private water taxi

  • Beach Club Membership to 1 Hotel South Beach


Fixed Deposit Amount at Reservation per Type of Residence

One-Bedroom Residences - USD 50,000 Deposit
Two-Bedroom Residences - USD 75,000 Deposit
Three-Bedroom Residences - USD 100,000 Deposit
Four Bedroom Residences - USD 150,000 Deposit

Balance of 10% after applying Reservation Deposit at Contract10% Deposit in 2 Months10% Deposit at Groundbreaking 10% Deposit at Top-off 60% Deposit at Closing (Fall 2025)


Whether it is your first home or your tenth home, a retirement home, or an investment property, we will work hard to make your home buying experience a positive one. We can help you find the ideal home with the least amount of hassle; and I am devoted to using my expertise and the full resources of my team and office to achieve these results!​ Are you in the market to purchase a new home or sell your existing home? Want to discuss your real estate needs? Click here to schedule your FREE consultation to get started on the process!

Conventional Loan Limits have Increased!

The surge in home prices during the pandemic has fueled the biggest dollar increase in the conforming loan limit for Fannie Mae and Freddie Mac, making it the highest increase since 1970!

Conventional loan limits have increased from $548,250 to $625,000! What does this mean for homebuyers?

As a buyer, this gives you more buying power! First-time homebuyers can buy a home with a little as 3% down on a $645,000 home!

Only certain lenders are currently accepting these loan limit changes effective immediately. If you or someone you know who is looking to purchase a home has questions regarding the home buying process, please contact me asap to see how much you can qualify for towards the purchase of your new home!

Florida Realtors Magazine!

Creating Customers for Life

I had the pleasure of being interviewed for a featured in award-winning Florida Realtors Magazine! The article is called "Creating Customers for Life" where myself and other amazing real estate professionals share tactics within our business, which has helped us create life-long customers.

The article is also published online on the Florida Realtor website, and I encourage you to read it and share it on your social media channels!


Corsica - New Construction Community in Miami

Located in the bustling city of Miami, FL, Corsica is a masterplan community that offers family-friendly amenities and outdoor living. Just four miles from the Black Point Marina and the lush mangrove preserves along Biscayne Bay, the community's location offers plenty of opportunity for boating and water sports. Plus, the nearby FL Turnpike and US-1 provide for easy access to Miami and other popular destinations.

Prices and features may vary and are subject to change.


3 Bedrooms | $304,990 - $323,990 | 1,334-1,668 sq. ft.


3-4 Bedrooms | $323,990 - $355,990 | 1,334-1,828 sq. ft.



3-5 Bedrooms | $415,990 - $495,990 | 1,732-2,987 sq. ft.

Whether it is your first home or your tenth home, a retirement home, or an investment property, we will work hard to make your home buying experience a positive one. We can help you find the ideal home with the least amount of hassle; and I am devoted to using my expertise and the full resources of my team and office to achieve these results!​ Are you in the market to purchase a new home or sell your existing home? Want to discuss your real estate needs? Click here to schedule your FREE consultation to get started on the process!

FHA Updates to Student Loan Debt Calculations

Did you know that homeownership was lower for black college graduates than for white high school dropouts? 👈🏾 This little, yet disturbing fact is extremely relevant. “As our country comes together to remember Juneteenth and acknowledge National Homeownership Month, we are reminded of a basic truth: that, too often in our history, the march toward freedom has been a long, halting, and uneven journey,” said Housing and Urban Development Secretary Marcia L. Fudge.I cannot begin to explain just how pivotal this change is. So many have been denied the opportunity of homeownership due to student loan debt. Black college graduates have 46% more student loan debt on average, compared to white college graduates.


Lenders may implement the changes immediately but must implement the changes for FHA Case Numbers assigned on or after August 16, 2021.

So what are the changes? The policy change centers on the removal of the current requirement that FHA mortgage lenders calculate a borrower’s monthly student loan payment as 1% of their outstanding student loan balance for loans that are not fully amortizing or are not in repayment.

Prior to this change, FHA borrowers would have 1% of their student loan debt calculated against them. This meant that if someone had $50,000 in student loan debt, $500 would automatically be added as a monthly debt, severely affecting the borrower's debt-to-income (DTI) ratio. May times, it would not allow the potential buyer to qualify for enough to purchase, or the DTI would be too high and the option to purchase is removed altogether due to not qualifying. With the new changes, FHA will calculate student loans very similarly to the way conventional loans do. If the borrower is on an income-based repayment (IBR) or income-driven repayment (IDR) plan of $1/month or more, then FHA will calculate that amount. If the borrower is not on an IBR or IDR, then 0.5% of the student loan balance will be calculated towards the monthly DTI.


Click here to read the press release by the U.S. Department of Housing and Urban Development.

For the full mortgagee letter regarding the changes, click here.



New Home Mortgage Applications Increased 31% in U.S.

By David Barley, World Property Journal on May 20, 2021 at 8:15 AM

The latest Mortgage Bankers Association Builder Application Survey for April 2021 shows U.S. mortgage applications for new home purchases increased 30.8 percent compared from a year ago. Compared to March 2021, applications decreased by 9 percent. This change does not include any adjustment for typical seasonal patterns.

"Purchase applications for new homes, unadjusted for typical seasonal patterns, declined in April, but the average loan size increased to its highest level in MBA's survey," said Joel Kan, MBA's Associate Vice President of Economic and Industry Forecasting. "The purchase market remains strong overall, but low housing inventory and accelerating home prices have started to adversely impact purchase activity. Additionally, homebuilders have reported significantly higher input prices, which is contributing to the ongoing rise in sales prices and average loan sizes."

Added Kan, "Adjusting for these seasonal effects, MBA estimates that new home sales in April rebounded from a two-month slump, increasing 8 percent to an annualized pace of 770,000 units. While still strong, this sales pace remains below the 877,000-sales pace seen in the second half of 2020."

MBA estimates new single-family home sales were running at a seasonally adjusted annual rate of 770,000 units in April 2021, based on data from the BAS. The new home sales estimate is derived using mortgage application information from the BAS, as well as assumptions regarding market coverage and other factors.

The seasonally adjusted estimate for April is an increase of 7.8 percent from the March pace of 714,000 units. On an unadjusted basis, MBA estimates that there were 72,000 new home sales in April 2021, unchanged from March.

By product type, conventional loans composed 72.9 percent of loan applications, FHA loans composed 15.8 percent, RHS/USDA loans composed 1.0 percent and VA loans composed 10.3 percent. The average loan size of new homes increased from $374,353 in March to $377,434 in April.


Fair Housing Month YPN Mastermind | Natiivo Development

April is National Fair Housing Month! Fair housing is more than a list of dos and don’ts, rights and penalties, and mandatory continuing education. As stewards of the right to own, use and transfer private property, fair housing protects our livelihood and business as REALTORS® and depends on a free, open market that embraces equal opportunity. REALTORS® recognize the significance of the Fair Housing Act and reconfirm their commitment to upholding fair housing law as well as their commitment to offering equal professional service to all in their search for real property.

I thought it was very important to discuss fair housing with some leaders in the real estate industry representing various organizations:

To hear a little about the history of each organization, why their existence is still necessary today, and how these agents are crushing it in today's market, make sure to watch the video below!

This panel discussion was held at the Natiivo Sales Center: an amazing luxury building that is perfect who anyone who wants to live close to the Miami scene, investors, those who live in Miami for a couple of months during the year, anyone! There is literally something for everyone in this building! It is currently 70% sold out and the building will be completed in 2022. To learn more about Natiivo, reach out to us today!

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