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33626 : Real Estate Advice

  • All28
  • Local Info4
  • Home Buying14
  • Home Selling2
  • Market Conditions0

Activity 23
Fri Mar 31, 2017
Hello, I'm a mortgage professional.

Your question is cutoff but if the bankruptcy was in 2012 it should not impact your ability to get a mortgage.

We have a lot of programs that are easy to qualify for.

If you have any other questions or would like help with this you are welcome to get in touch with me.
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0 votes 2 answers Share Flag
Mon Aug 22, 2016
Maricris A answered:

If you would like to post a rental on Trulia, you will be redirected to use our partner site, Zillow Rental Manager, to list your rental on Zillow, Trulia and other top sites. Please follow this link for instructions on how to post a rental listing:

If you have additional questions or have issues with posting your listing, please reply back to this email and I will be happy to help you.

Zillow Rental Manger Help:


Consumer Care Advocate
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0 votes 1 answer Share Flag
Fri May 8, 2015
xtigno asked:
sale" ? My realtor is Tom Kirschner:3802 Ehrlich Rd # 107, Tampa, FL 33624
Phone:(813) 908-8808
My name is Xenia Tigno
0 votes 0 Answers Share Flag
Tue Dec 16, 2014
John Connor answered:
I would talk to the city officials about that. I think that it wouldn't be to big a deal to store your equipment in a personal shed or garage. If not I would look into a cheap storage shed or even rentals. ... more
0 votes 4 answers Share Flag
Thu Aug 28, 2014
Simon Campbell answered:
Option #1: Negotiate a separate installment plan for the down payment. Sometimes the seller will allow you to pay the down payment on a monthly basis.

Option #2: Trade something other than cash. This could include land, a car, a boat, jewelry or valuable collectibles. Find out what they want and need. Maybe you have, or can get, just what they are looking for. You could also trade services such as carpentry, auto mechanics, painting, dental work and other services that you can do for the seller over time.

Option #3: Find an investment partner. Look for an investment partner who will put up some or all of the cash in an equity-sharing partnership. You make the monthly payments and the two of you split the eventual resale profits.

Option #4: Get owner financing or a land contract. Another option is to have the seller act as the bank. You make your payments, including interest, directly to the seller. Then after usually 3 to 5 years you make a lump sum payment to the seller. During this time, you should have enough equity to qualify for a standard bank loan.

Option #5: See if you qualify for any down payment assistance programs locally (though I think they are for owner occupied properties).

Option #6: Hit up mom and dad for an early inheritance payment.
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0 votes 2 answers Share Flag
Wed May 7, 2014
Alma Kee answered:
Dear James,

It's crucial to hire a highly experienced inspector to see if there are any visible signs of subsidence.

One of my clients was saved a lot of problems when a very experienced inspector was able to identify clues that may indicate a soil sinking problem. This was on a Westchase house and typically in Westchase we don't have a high incidents of sinkholes. Out in Pasco County you will find a more prevalent problem with sinkholes.

Here's the very detailed, highly qualified Inspector that helped my clients avoid buying the wrong house:

John Astl, Avail-A-Pro Home Inspection Services, Inc.813) 972-5206

This same inspector also helped another client that was purchasing a 9 year old house. The roofing structure was installled incorrectly and fortunatelly for the Sellers they were still within the 10 year structural warranty. The ceiling had to be opened up and the whole support structure had to be re-engineered! Was probably a $50k repair job! These Sellers did not hire a home inspection when they bought the house from the builder brand new. They thought they could rely on the county inspectors. It's crucial to get a home inspection, even on a brand new built property.

I also bought a house in Waterchase that was in the process of being built. My home inspector went out and discovered the builder had actually used a deteriorated, warped Truss!

Hope this helps.

All the best,
Alma Kee
Sold On Tampa Team
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0 votes 2 answers Share Flag
Tue Feb 18, 2014
SYRUS MOMENI - Call Now! answered:
It depends on your work location and budget!! Westchase, South Tampa, are two great areas that are considered real nice by many, and values have been increasing faster then other areas. Also a good value area is New Tampa and Wesley Chapel, and Brandon. ... more
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Wed Jan 8, 2014
Bill Eckler answered:
A. Wit,

I would encourage you to consider renting month-to-month for a period to allow yourself some time to get a good feel for what area(s) will best meet your needs.

The average home owner is Florida sells every 5-6 years. There are a number of reasons for this. One being that many northerners coming down settle into the first place they see with sunshine, warmth, nearby water, and palm a relatively short period people find the right and perfect location in another area.

We would be happy to hear from you and help you process this important life decision.

Best regards,

Bill Eckler
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2 votes 3 answers Share Flag
Sun Dec 15, 2013
Malayappan Shridhar answered:
You made a mistake when you closed the sale. That cannot be undone. If the neighborhood is good, then my suggestion is to fix up the mess and make the house your pride and joy. If you do that, a year form now, you will feel not so down. Your agent should have advised you of your options with regard to closing, but again that is now past history. Look ahead and best wishes.

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1 vote 14 answers Share Flag
Wed Jun 26, 2013
Rhonda Augustine answered:
Hi Rama,
Thankfully, you have good inspectors who are doing their jobs well and earning their fees. You are much better off spending a little up front to avoid a headache down the road. ... more
0 votes 7 answers Share Flag
Mon Apr 15, 2013
Trulia Customer Service answered:
Hi Ken!

Niki from Trulia here. Trulia is a search engine for residential real estate listings that are indexed from agent/broker web pages. Our service is free, and there is no charge to agents to have listings posted on Trulia. At this time we do not add For Sale By Owner listings.

Thank you for taking the time to inquire about submitting your listing. Please feel free to contact us for further information at or by calling 1-888-466-3501.
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1 vote 7 answers Share Flag
Wed Mar 20, 2013
Lisa Reeves answered:
Depending on how long you have had your income and what type of income it is will determine if a lender considers all of it. If some of your income is based on your income property - you will have to show a two year rental history on your tax return. The biggest problem is that you have no down payment. Unless you are purchasing in a rural area or are a previous veteran you will need a minimum of 3.5%-5% of the purchase price plus any closing costs that you can't get as seller concessions. So total down payment and closing costs would be around 6-8%

Based upon your income and using a general number of 31% towards your housing debt ratio - you could afford about 1800 a month in a house payment. As a rough estimate - $250K home. However you will want 15K-20K in the bank to start this process. You can use other sources besides savings to help with your down payment. Contact me if I can answer any other questions.
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0 votes 3 answers Share Flag
Tue Mar 5, 2013
Ann Ryan answered:
Interesting, because the market is voting now... and in most place prices are increasing. If you can find a distressed property that has $100 per square foot, I suggest you buy it now... because I doubt it will last long.

Right now I'm hearing a lot of news media reporting that goes along the lines of "Is now the time to buy?" When I hear that, I know that the time to buy was last year, and that people are already paying higher prices. There's a significant lag between economic trends are reporting.
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0 votes 3 answers Share Flag
Tue Jan 31, 2012
Alma Kee answered:
Hi Corrieensom,

Twin Branch attends Deer Park Elementary, Farnell Middle and Alonso High. It's a fairly safe area and does not have the cookie cutter feel like Westchase or Eastlake Woodlands and other neighboring developments. You will see residents riding horses through the neighborhood. This is a higher end neighborhood that most of the villages within Westchase.

If you're referencing the "active" short sale on Clydesdale, I know this property well as I helped my client sell it for $625k in 2005. That was before the kitchen was updated.

If you would like to see this property and you're not yet working with a Realtor, let me know and I'll show you what it has to offer. There is a separate apartment on the left side and it will need a little bit of renovation.

Here are the "active" listings in Twin Branch:

All the best,
Alma Rose Kee PA
Future Home Realty
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0 votes 1 answer Share Flag
Wed Dec 7, 2011
Alma Kee answered:
Hi Rama,

Thank you for the "Best Answer"!

Also Iberia Bank has given low lender fees and low rates--especially since you have 20% down. My client shopped everywhere and actually decided on a 10 year adjustable mortgage because they are certain to move before 11 years.

Scott Slone
IBERIABANK Mortgage Company
Vice President/Senior Loan Officer NMLS#419375
Cell: (813) 295-4660
EFax: (813) 200-3650

All the best,
Alma Rose Kee, PA
Future Home Realty
Westchase Office
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0 votes 6 answers Share Flag
Tue Nov 29, 2011
Jeff Smith answered:
Hi Rama -

You have some good answers here already, so take it all in and assess your situation. There are different ways to measure a structure and even professionals will come up with different figures in measuring the same home. Although, they usually do not vary by over 300 sf on a house of this size? Go to the appraisal and see what that states, county records here in CA can be wrong. Always go back to your agent and see what he/she suggests and you may want to double check your comps and see if this is still a good deal if the final square footage is only 1550.
Good luck,

Jeff Smith | Realtor® | Your Best Choice!
HÔM Sotheby’s International Realty
16909 Avenida De Acacias | Rancho Santa Fe | CA | 92067
858.367.4333 direct | 858.756.1150 office | 858.756.1171 fax
DRE #01056750
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1 vote 18 answers Share Flag
Fri Apr 1, 2011
Alma Kee answered:
If you find a VA owned foreclosed home (not any available right now in Tampa), there is VA Vendee financing that would allow zero down even if you are not a Veteran.

Also as mentioned earlier if you and the property qualifies, there is the USDA mortgage with zero down required.

All the best,
Alma Rose Kee, PA
Future Home Realty, Inc.
13045 W Linebaugh Ave
Tampa, FL 33626
PS you're welcome to sign up for a free listingbook account on my website.
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0 votes 14 answers Share Flag
Thu Mar 10, 2011
Debra B Albert PA answered:
IF you are qualified for a loan and you make changes, you will need to be requalified.

Think about it, your mortgage qualification is a snapshot in time. If there are changes good or bad after that, it will show up. Time on your job is a factor. Maybe you should ask this question to your lender and get their best advise. After all, your new job could be a promotion!

Debbie Albert, PA
Keller Williams of the Treasure Coast
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0 votes 8 answers Share Flag
Mon Apr 19, 2010
Keith Sorem answered:
I recommend interviewing three Realtors. It is helpful if they have experience in real estate, however note that many new agents start in real estate by specializing in working with buyers. If they don't have a lot of experience ask them if they have a more experienced Realtor that mentors them, answers their questions, etc.

I recommend that you have them prepare a buyer broker representation agreement. Go over the details, particularly where it talks about how the Realtor is paid (commission, usually paid by the seller, not you) and also the type of property that you want to purchase.

Not all Realtors are the same, so by talking with a couple you will be able to see some of the differences and determine which one will best serve your needs.

Good luck.
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