Your best bet is to contact a mortgage professional because they can look at all aspects of your financial profile, and a good mortgage professional will be willing to give you advise on what you need to do to get where you need to be to qualify. I work with the two following lenders that provide exceptional customer service:
Jerry Ballentine at Bay-to-Bay Lending firstname.lastname@example.org 813-251-2700 x 117
Raul X. Alvarez, Loan Officer with Chase at http://homeloan.chase.com/raul.x.alvarez or by phone at 727-916-7147
It would certainly be an honor to be able to assist you in finding a home. If you provide me with the specific features, location, and price range, I will be happy to put together a custom search and email you a link to view homes that meet your specific criteria. For your convenience, you may use the form at http://homenetyouteam.blogspot.com/p/contact-us.html. Regarding the real estate services we offer to our customers, our team has served the Tampa Bay Areas of Hernando, Hillsborough, Pasco and Pinellas Counties for over 15 years. In this area we are known as the HomeNet â€œYOUâ€ Team, and the team of real estate professionals works together to ensure that your home purchase is a pleasurable experience. HomeNet never charges a transaction fee like many other real estate firms in the area saving HomeNet customers from $250 to $350. For purchases of $70,000 and more, HomeNet pays a $500.00 cash rebate at closing http://homenetyouteam.blogspot.com/p/500-customer-loyalty-re
Please visit our website at http://www.homenetyouteam.com to search for homes and use other resources that we have made available to our customers. You can also sign up for a free ListingBook account to search the MLS just like a Realtor, just look for the FREE ListingBook tab at HomeNetâ€™s website. Our team looks forward to assisting you in finding a great home at a great value.
Fred Strickroot, RealtorÂ®, MBA, CDPE
Florida Lic. Real Estate Brokerage
2154 Seven Springs Blvd, Suite 103
Trinity, FL 34655
There are some lenders that will allow qualified buyers to go up to 60% DTI.
You are starting at the right spot in your decision to buy real estate in Florida. Financing is critical to understand in the real estate purchase process. There is way too much we do not know about your situation to give reliable direction. That why websites like FloridaRealEstateMadeEASY.com were created.
Here, here is an excerpt from my recently completed Florida Home Buyers Guide, 25 pages of the stuff you really want to know from financing, to closing.
"There are several RULES OF THUMB that will give you an approximate idea of what
you will be able to spend.
The FIRST RULE states that you can afford a home with a price tag that is 2.5 times your annual salary. For example, if your annual salary is $50,000, applying this formula would mean that you can probably shop for a house with a price up to $125,000.
The SECOND RULE
says that you should be able to use 30% of your gross monthly income (before
taxes and deductions) for a house payment. Assuming, for example, that your gross monthly
income is $4,000 and using this formula as a guide, you may be able to comfortably afford a
monthly payment of $1,200."
These are generality and will be influenced by your credit history and presence or absence of red flags has noted in the guide.
Contact me if you would like a copy.
Annette Lawrence, Broker/Associate
Remax Realtec Group, Palm Harbor, FL
Chat with me at: http://www.FloridaRealEstateMadeEASY.com
If you are serious about purchasing real estate in Florida, you need to call.
Don't use the 'contact' button.
No, don't email.
Call if you are truly serious about real estate.
Good afternoon. Not a Licensed Lender or Mortgage Broker, I suggest you contact one.
Please feel free to contact me if you would like a list of several to choose from.
Husband, Father, Pop Warner Volunteer Football Coach
Actively Licensed Realtor
Gulf Harbors Resident-Specialist
I hope it works for you and we can certainly help you find that next home!
Joe & Carol Bell
Real Estate Consultants
Exceeding Your Expectations!
727-643-8134 - Joe's Cell
Carol's Cell 727-692-6008
1-866-765-6497 - FAX
8018 Old County Road 54
New Port Richey, FL 34653
Licensed in Florida