If you are a first time homebuyer you may be able to get up to $7,500 from the State of Florida Bond program if you can do what is necessary to raise your score to 640 and qualify for an FHA, USDA, VA or conventional mortgage.
One of my clients just bought a very nice single family home and only had to put $1,000 deposit and then got a check back for $375 at closing for her appraisal fee.
Call me if you need help.
All the best,
Alma Kee http://www.SoldOnTampa.com
Future Home Realty
Meet with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for.
Get a referral to a good, local, real estate attorney. Call the attorney, retain the attorney so you have her information handy when you make an offer. Having that information at time of offer helps you demonstrate to the Seller how serious you are, and they will consider your offer with more interest.
NEW YORK ONLY
Line up a Home Inspector. A good home inspector will scare the heck out of you: that's what you pay him for! But you'll concentrate on the fundamentals of the property: roof free of leaks, plumbing, heating and electrical up to code and in good working order. Again, when you make an offer and you have your Home Inspector ready to go, your offer will be considered with much more interest by a Seller because you truly have your "ducks in a row" and your preparation demonstrates your serious attitude about conducting the purchase transaction in a timely manner.
Find an experienced Local Realtor who works in your desired shopping area. A serious pro Realtor will refuse to show you homes until you are Prequalified for mortgage financing. Don't take offense! That Realtor doesn't want you to be disappointed and wants you to have a smooth experience as you shop for your new home.
Put together your Team of real estate professionals and shop 'til you drop!
PowerHouse Solutions, Inc.
185 Great Neck Rd, Suite 240
Great Neck NY 11021
Licensed Mortgage Banker – NYS Dept. of Financial Services
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So contact a credit union if your credit history is preventing you from getting a mortgage from Wells Fargo.
Zac Tapp 561-308-1398
If you don't already have a realtor helping you, there is a fabulous large townhouse that is owned by Fannie Mae that you can absolutely buy with 3% down (not even 3.5% down). It's in a great school district and very convenient to Tampa Int'l Airport, Westshore Business, Int'l Mall and Citrus Park Mall.
Ask your Realtor to show you today as it is bank-owned and will go FAST. You cannot delay on that one.
All the best,
Alma Rose Kee, P.A. http://www.SoldOnTampa.com
Please call me at 727-403-8948, Octavia
You might also look at properties that are offering "owner financing". Many owners are doing everything possible to get their condo or townhouse sold so they are willing to finance the mortgage.
Once you establish whether or not you can get financing and if the answer is "no" find a Realtor to find a property with owner-financing. Expecially if you can offer the owner all or part of your first time homebuyer money once you amend your tax return, you should have no problem.
Hope this helps.
Alma Rose Kee, P.A.
Charles Rutenberg Realty, Inc.
HAVE OWNED A HOME IN THE PAST 3 YEARS? IF NOT.... YOU QUALIFY FOR A $8,000 CREDIT!!!
there's an abudance of Townhomes........ which side of town would you like to be in, considering job commute schools or other needs you might have?
We at prudential have one stop shop, including Title company, and back that up with a $1,000 dollar guarantee.
Also you can log in into my site and create auto notifications, price changes alerts etc....
Feel free to contact me and I'll gladly send a customized search, Antonio 813-785-7529.
Web Reference: http://www.hothomespot.com/
I don't think your going to find a Townhome in the Tampa area for $32k. You're going to have to look at at least $50k if you need to move in fast. You can get a condo for around $32k and still move in within a reasonable amount of time.
Phone#: (813) 333-9397
Do you have a down payment and enough for closing costs saved up? If you can find a home and close on it before December 1st, you can get in on the $8k tax credit, but if you'll be purchasing a short sale you really need to get moving on it now as they can take several months for approval.
If you have further questions please don't hesitate to contact me.