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Home Buying in 33706 : Real Estate Advice

  • All35
  • Local Info5
  • Home Buying10
  • Home Selling4
  • Market Conditions1

Activity 10
Thu Apr 16, 2015
Budd Morris answered:
Seller financing is difficult to find but some is available.
What are you looking for Home or condo? What price range and how much do you have for down payment
0 votes 2 answers Share Flag
Sat May 10, 2014
Holly Young answered:
Did you ever find what you were looking for? I am SFR Certified – Short Sale and Foreclosure Resource Certified. Feel free to call me if you're still looking.

http://www.hollyyounghomes.com ... more
0 votes 6 answers Share Flag
Wed Oct 23, 2013
Terri Fritzel answered:
are you asking about the status as in "Is it still available or did it go under contract"?
0 votes 4 answers Share Flag
Mon Oct 7, 2013
Terri Fritzel answered:
The value of the home is not determined by the seller's motivation. It is determined by the sales activity in the surrounding neighborhood for the past six months.
0 votes 6 answers Share Flag
Sun Sep 15, 2013
Gary Hitchcock answered:
I would Google architects in that zip code and give them a call, I'm sure they'd be happy to help you.
0 votes 1 answer Share Flag
Sun Jun 6, 2010
Dan Chase answered:
As long as the disability is permanent and will continue that means the ssd will continue. That is then considered a stable income and a mortgage can be written based on your income.


No, there is no difference for a lender if your income comes from a job or from social security.
... more
1 vote 1 answer Share Flag
Fri Jan 1, 2010
Pamela Cohn answered:
87,

Checking with mortgage brokers and lenders for a possible solution, such as a renovation loan, is your best bet. As one person already stated you may need to take out mortgage insurance. I think Wells Fargo, Chase and Bank of America both have programs available. I don't know if 20% down would allow waiving the mortgage insurance in this case. One of the newer programs is set up with Lowes, where they come out and price the whole project.

I would NOT reccomend "Take the risk.... Complete the kitchen. Have your attorney hold escrow, etc.". Unless Miami is different than our side ....there are documents at closing that you must sign, for your loan, that state you have NOT done anything to the property that could incure any potential liens.

Are you currently looking for a home or just browsing on line for now? I have a free service called “Listingbook”, which I provide for my clients. It is like a back door into the MLS which updates daily: price changes, solds & withdrawns, allowing you to really be able to follow and learn the market. I set up a basic search according to your guidelines. Once you are in, you can change the parameters as you need. If this is something you would be interested in let me know.

Sincerely,

Pam Cohn
Broker Associate, GRI, CDM
Real Estate Consulting, Marketing & Sales
Prudential Tropical Realty
pcohn@prutropical.com
727-204-7155
... more
0 votes 8 answers Share Flag
Fri Jan 1, 2010
Pamela Cohn answered:
Hi Sharon,

Lenders do have debt ratios for both housing (principle, interest, taxes & Insurance often called PITI) and total monthly debt. Lenders are much more stringent now. Check out a couple of different lenders and mortgage brokers-different rates, different programs to determine which is best for you. It is not just your debt ratios but your credit score which affects what rate you will be able to get a loan at. Another reason to meet with a lender or mortgage broker. You can use the mortgage calculators on Trulia or even on most agents websites to get a general idea, but none of these will account for your credit score or what programs may be available. If you would like the names of some to contact email or call me.

Are you currently looking for a home or just browsing on line for now? I have a free service called “Listingbook”, which I provide for my clients. It is like a back door into the MLS which updates daily: price changes, solds & withdrawns, allowing you to really be able to follow and learn the market. I set up a basic search according to your guidelines. Once you are in, you can change the parameters as you need. If this is something you would be interested in let me know.

If you have any other questions feel free to email me directly or call.

Sincerely,

Pam Cohn
Broker Associate, GRI, CDM
Real Estate Consulting, Marketing & Sales
Prudential Tropical Realty
pcohn@prutropical.com
727-204-7155
... more
0 votes 11 answers Share Flag
Fri Jan 1, 2010
Pamela Cohn answered:
Hi Sharon,

Speak with a mortgage broker. It is not just your gross income. In determining the amount you will qualify for, they take into account any current debts you have. Your credit rating also affects the interest rate you will qualify for. If there are things that need to be repaired on your credit record, a good mortgage broker can assist you with this, or even building your credit record if you don't have one yet.

From here you want to determine a monthly payment that you are comfortable you can cover and the lender will be able to tell you how much that will buy. Your monthly payment will include: principle, interest, taxes, and insurance. With this under your belt, you will be ready to get a pre-approval letter right away when you see a property you are interested in making an offer on. We are seeing multiple offers on many bank owned or well priced homes. Being ready is your best edge.

Then begins the fun part looking for homes in your range. Interview agents. You are about to embark on your largest purchase. Choose an professional Realtor, who does this as their full time occupation. Ask questions, get a comfort level. You want an agent willing to take the necessary time to find YOU the home YOU want.

Whether you are currently looking for a home or just browsing on line for now, I have a free service called “Listingbook”, which I provide for my clients. It is like a back door into the MLS which updates daily: price changes, solds & withdrawns, allowing you to really be able to follow and learn the market. I set up a basic search according to your guidelines. Once you are in, you can change the parameters as you need. If this is something you would be interested in let me know. When you are ready to interview agents give me a call. I look forward to speaking with you.

Sincerely,

Pam Cohn
Broker Associate, GRI, CDM
Real Estate Consulting, Marketing & Sales
Prudential Tropical Realty
pcohn@prutropical.com
727-204-7155
... more
0 votes 3 answers Share Flag
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