Home Buying in Valrico : Advice

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Ylivette Hoe…, Real Estate Pro in 33594
Ylivette Hoepelman answered:
what's the best way to get a home financing when buying out of state can you get a FHA loan if you reside out of state but relocating?
Yes, if it will be your primary home. If you need further details I would be happy to refer you to a mortgage specialist in the area.
Thanks and good luck in your home search.
0 votes Share Flag Thu Jul 10, 2014 Home Buying in 33594
Usda Mortgage…, Real Estate Pro in Jacksonville, FL
Usda Mortgage Source answered:
We will be selling our house soon, and want to move to the rural area of Tampa within 6 months. When is the best time to connect with a Realtor?
Be sure to take a look at the USDA loan advantages if you plan to put little money down. Most of east Hillsborough county is eligible for the program. Learn more at www.usdamortgagesou ... more
0 votes Share Flag Sun Jun 15, 2014 Home Buying in Valrico
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
My mother & I rent, paying 1900.to buy a home,what credit score do each of us need?Income is $160,000 a year.Looking for between $180-$250,000
Evans,
Credit scores are just the beginning. There are programs that will "consider" a borrower as low as 580 middle score, but that does not guarantee a mortgage. Lenders will use ... more
0 votes Share Flag Thu Jun 5, 2014 Home Buying in Valrico
Denise Brend…, Real Estate Pro in 33579
Denise Brendle answered:
Can I get a house with 622 credit score? My salary is about $70,000 per year. I have a discharge from bankruptcy on 2009.
Yes, you can!! Call me at 813-390-6120 and I can explain how!!
0 votes Share Flag Wed Apr 30, 2014 Home Buying in Valrico
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
Optimal price for an investment property
There isn't a simple answer to your question. It really depends on location and what the ratio of rental income to purchase price is. And that varies.

You'd asked whether it's better ... more
1 vote Share Flag Thu Mar 6, 2014 Home Buying in Valrico
Carol Jacob, Real Estate Pro in Tampa, FL
Carol Jacob answered:
There was a home shown as Foreclosure located in Valrico, FL - and purchased by Deutsche Bank, how does one find out if the home is up for sale?
Hello Jack,

All the information you have already received is true and accurate. One more item I would like to add is that a bank may sit on a property for a period of time with no a ... more
1 vote Share Flag Mon Dec 9, 2013 Home Buying in 33594
Randall Yates, Real Estate Pro in Los Angeles, CA
Randall Yates answered:
I'm looking at a house that I like , It listed at $365,000.00 and I want to pay cash for the house ,I have 275,000.00 cash would I be able to
Probably not with the market in that area, I can get you with a buyers agent to look up comparables to see if it's possible. If not just get a loan for the remaining amount..
0 votes Share Flag Sat Nov 16, 2013 Home Buying in 33594
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
hoa rate $517.00 is that every month?
With new Construction, builders will typically offer an incentive to finance through their chosen lender so you may not need to immediately get preapproved.

To lean the ins and out ... more
0 votes Share Flag Mon Oct 14, 2013 Home Buying in Valrico
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
I AM THE SELLER - WHAT ARE MY CLOSING COSTS?
As a Seller in Hillsborough County, FL, you normally get to select the title company. If you haven't already decided on a Title Company to do your closing, ask your Realtor for recom ... more
0 votes Share Flag Fri Oct 4, 2013 Home Buying in Valrico
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
what does lis pendens mean?
Hi Donna,

Cute kitty cat photo.

All good answers. Was a Lis Pendens filed against you and your property? If so you may want to attempt a pre-foreclosure short sale or loan modif ... more
0 votes Share Flag Wed Sep 25, 2013 Home Buying in Valrico
Ruth Babel, Real Estate Pro in Sarasota, FL
Ruth Babel answered:
•Subdivision: HAMNER'S W is there homeowners association-just inquiring. Thank you
If you are asking about the Hamner's W in Tampa, then no there are no HOA or CDD fees. If you would like more help or have more questions, please feel free to call me at 813-545-5711, R ... more
0 votes Share Flag Fri Sep 6, 2013 Home Buying in Valrico
Shoehoard, Home Seller in 06516
Shoehoard answered:
Question on Homeowner's insurance process of cashing check before closing
I totally see where you are coming from, Alma. We actually put a list together of houses we wanted to see. We did that with our last house in another state as well. Since we know what w ... more
1 vote Share Flag Fri Aug 2, 2013 Home Buying in 33596
Shoehoard, Home Seller in 06516
Shoehoard answered:
Pay taxes at 2012 rate at closing?
Thanks everyone! I appreciate your answers
0 votes Share Flag Tue Jul 23, 2013 Home Buying in 33596
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
I am looking at this house that I saw online www.trulia.com on my cell phone but on the webiste on a laptop I don't see it, off of Squirel Run Valrico
Your first step is to get a loan comittment. If you can't get qualified by a bank or lender then try a credit union. Credit Unions have different rules. If a credit union finds you t ... more
0 votes Share Flag Mon Jul 22, 2013 Home Buying in Valrico
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
If a HOA forecloses on a property, and the HOA fixes up the house for resale, can the Lender come back and claim the property?
Yes of course. You see an HOA foreclosure does not extinguish the 1st mortgage. Hopefully your HOA has gotten competent legal advice from the attorneys that made a lot of money forecl ... more
0 votes Share Flag Mon May 6, 2013 Foreclosure in Valrico
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
If an HOA files a foreclosure on a persons Homestead (Texas) for unpaid fees,penalties,etc. can that HOA then forcibly evict that Homeowner?
If the property is in Florida then yes the HOA can foreclose and take ownership and then the HOA has control and can rent it out.

Not sure of the Texas laws about HOAs so you may nee ... more
0 votes Share Flag Mon May 6, 2013 Foreclosure in Valrico
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
We are looking for an HOA Real Estate Attorney in the Tampa FL area - can you reccomend any firm?
Lawrence Fuentes with Fuentes & Kreischer, you can't get a more experienced Real Estate attorney:

http://www.fklaw.net/real-estate-attorneys/

lef@fklaw.net

813-933-6647
0 votes Share Flag Wed May 1, 2013 Foreclosure in Valrico
Lisa Reeves, Real Estate Pro in Tampa, FL
Lisa Reeves answered:
If third party buys an HOA foreclosure and holds title, how does subsequent bank foreclosure affect the third party credit ratings?
There is an off chance that the foreclosure action will show up on all party credit reports as a legal action. Similar to a spouse who had deed interest but not on the mortgage - you as ... more
1 vote Share Flag Sun Mar 17, 2013 Foreclosure in Valrico
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
Can you attach an addendum to a home sale contract and can that addendum include after the sale financial agreements between the seller and buyer?
If you're talking about a short sale then normally the lender taking the loss will require an affidavit stating there are no "side agreements".

Realtor Tim Moore is correct, contact ... more
0 votes Share Flag Thu Feb 21, 2013 Home Buying in Valrico
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
if my credit is 530 and i can put down 10,000 can i still get a home
Hi Michael,

Also we have Military Heroes money (up to $7,500) from the State of Florida and you would need a 640 credit score.

Contact Gina Harris at IberiaBank, she is an "appro ... more
0 votes Share Flag Thu Feb 21, 2013 Home Buying in 33594
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