Richard, Other/Just Looking in

Contemplating a move to somewhere between Orlando and Tampa. Noted that many homes in Lakeland are on septic,

Asked by Richard, Sun May 18, 2008

even fairly newer ones. Why? Also, at what point should one obtain loan preapproval status?

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Answers

4
Between Tampa and Orlando lies Celebration and Champions Gate.
Both areas have sewer systems and not septic tanks.
If you would like information on either of those communities I would be glad to assist you.
Start your loan approval process by going to your local bank and let them know what you require.
If you have a credit union you can go there as well.
if you are a first time home buyer there are other avenues that you can take.
You need good credit scores (620+) at least 10% down payment if not more and a good job history and little outstanding debt.
You can go online to e-loan and they will ask some basic questions and you can get an idea of what yoou are qualified to purchase.
Please feel free to call or mail me with any questions.
Welcome to the area.

Robert
0 votes Thank Flag Link Mon May 19, 2008
Richard,
Septic systems are quite common in Florida and as my esteemed collegues have mentioned not an issue here. Keeping up with infrastructure is ongoing concerns in Florida. The link that Barbara supplied is excellent information.
Pre-Approval docs. Excellent to get started as mention by Bill, If you are serious this is an excellent way to show it. It also helps your Realtor know exactly what t look for in price ( and to help you save as much money) as possible. there are many homes out there right now and a great selection. Your Realtor should be trying to find the best value for your dollar.
Rick.
0 votes Thank Flag Link Sun May 18, 2008
Richard,
As a seriously motivated, we would recommend getting pre-approvaed as soon as possible. The initial approval will portray you as a more serious buyer to the sell and enhance your offer. Yesindeed, this region is a rapidly growing area which explains the "septic" issue. Municipal services have not yet caught up with the area's development...this is quite common in Florida as well as other locations across the country.

Good luck,
The "Eckler Team"
0 votes Thank Flag Link Sun May 18, 2008
good morning,

Yes plenty of homes in central florida are on septic. Unless there is "hard pan" septic is a decent way to go. When moved here from NJ I asked my Realtor to avoid sepric. It was foreign to me and well the thought of it turned me off. I missed a lot of great neighborhoods. I now live in a home with septic and its been 11 years with no problems. No sewer charges which can be very expensive- adding 50.00 or more to your monthly water bill.

If like to learn more go click on this: http://edis.ifas.ufl.edu/ss115

The area between Tampa and Orlando is growing like wild fire.

Best of Luck with your move,
Barbara
0 votes Thank Flag Link Sun May 18, 2008
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