Of course, it is a bit more complex than that, but it may be a good strategy for you to move, live in the home you'll eventually buy, build your credit back to a level where you'll be able to get a loan, and not have to move again in a year or two.
As for neighborhoods, depending upon the price range you'll be able to afford, eastern hillsborough county - Riverview and surrounding areas - are probably your best bet. The LeRoy Selman makes communing to downtown very fast and easy (10 to 20 minutes depending upon traffic) and the home prices out there have dropped considerably... Good value for the dollar on a relatively new home.
If you have any questions, please do not hesitate to call!
Pretty Dog Realty
If your credit is not good, i think you should move to Tampa, rent for one year and work to bring up your credit befor thinking of buying there. That should also give you the time to know the City and find the neighboorhood you want for your Family.The other options are rent to own or find a property with" owner financing"
You should consider from North Tampa to Bradenton/Sarasota area. Home inventories are more than we want to admit; but it is, what it is. Renting is s good idea just to get familiar with the area and review your objections while living in paradise. Your credit scores seem manageble to qualify for your home loan. Don't hesitiate to call or email questions you may have.
Jim Soda 941-809-7759
Jim Soda Group
Prudential Palms Realty
Greater Sarasota-Manatee Areas
11,457 homes for sale
Financing is a different story. From your last post it sounds like you have that part worked out. Rent for a year or two then look around. If houses prices are still falling, keep renting. Good luck