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Home Buying in 33990 : Real Estate Advice

  • All39
  • Local Info0
  • Home Buying22
  • Home Selling4
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Activity 17
Tue Sep 20, 2016
John Burke answered:
Wow, I know this is an old question but good grief there are a ton of incorrect answers here.

FHA only requires a 2 year wait after a chapter 7 bankruptcy to be eligible. If you did a chapter 13, you may be eligible 12 months in to your payment on it!

The only time the period is long is if you included a mortgage in your bk in which case FHA defers to their foreclosure guidelines which require a 3 year wait from when the bank takes back title to the home.

VA guidelines on the other hand are just a straight 2 years for chapter 7 with or without a mortgage being included & the exact same as FHA for a chapter 13.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online:
NMLS# 787231
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0 votes 11 answers Share Flag
Tue Sep 13, 2016
Robert Guth answered:
Though Maronda Homes has been around since the early 70's, they have a pretty healthy base of unhappy customers and bad reviews. As you know, every builder is going to have their share of unhappy or even unreasonable clients, but in their case the extent of their complaints is hard to ignore. Most of the complaints seem to be about sub-contractors, consistency, follow up, and overall quality of work with problems arising after construction.

If you are looking to build in the area, I'll be happy to help. I'm a local Realtor, I have built spec homes myself, work with many builders, and having been a licensed mortgage broker in the past for 16 years, I have originated countless construction loans. Builders have a commission built in to their price, and if you work with them unrepresented, they very well may retain that entire commission. Otherwise they will compensate your Realtor, and now you have unbiased protection and representation by a professional who will have your best interests in mind, and who has the capacity and experience to review contracts, understand draw schedules, and in my case, make sure the loan you are getting is healthy for you and your family.

I work with Buyers and Sellers, and I am on call 7 days per week for my clients. Seller/builders pay me, not the Buyer.

You can visit my website and contact me any time. Regardless, best of luck, and I hope your construction experience is a good one!

Robert Guth, Realtor
Re/Max Realty Partners
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0 votes 1 answer Share Flag
Wed Apr 8, 2015
Jelena Foskey answered:
Hello Elizabeth, it really all depends on the location, type of house (pool, sqft, upgrades, etc) and of course the builder. If you are in Cape Coral/Ft Myers area I would love to meet you and visit some builders in the area. Consultation and my service is absolutely free to buyers with no obligation or catch involved. I also can provide you with some floor plans and specifications of local builders via email. Please contact me via phone/text 239 357 8969 or email me ... more
0 votes 1 answer Share Flag
Fri Mar 21, 2014
Tammy Hayes answered:
Contact the City of Cape Coral building department or Lee County Building Department. You would have to check with zoning first.

Tammy Hayes, Realtor
Re/Max Palm Realty
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0 votes 4 answers Share Flag
Thu Jan 16, 2014
Jennifer Ferri answered:
Since I am not a real estate agent and I work with a whole bunch, I believe that integrity and communication is key. Sometimes they may not have an answer, if they are honest about it and get you one and keep lines of communication open the client realtor relationship works best. Good luck!!!

Jennifer Ferri
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0 votes 14 answers Share Flag
Tue Jan 7, 2014
Terry McCarley answered:
0 votes 13 answers Share Flag
Mon Jan 6, 2014
James Deskins answered:
So, let me get this straight: you are loosing your home to a short-sale, haven't made payments "for a while" and you think a lender is going to give you a loan for another property? Seriously?

Health insurance may be free in America now but home loans still "cost" something. You have ZERO chance of getting a loan. I'm not afraid to tell you that.

Of course this question is a month old and you've figured this out by now. Oops, it's 2 years old! Why am I answering this! AAAAHHHHHHHHH! Cause Ray started it!!!!!
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0 votes 14 answers Share Flag
Sun Mar 10, 2013
Terri answered:
I;m am trying to find out the same information. I owe $79,000 on my home, it is currently valued at approximately $40,000. I had an accident 5 years ago, and am now permanently disabled,. My only income is Social Security Disability making $1100/month with a house payment of $800. I have been able to stay current on my house payment for the last 5 years by taking the money from my savings. My savings is now close to gone. I've tried talking to my mortgage company asking for an interest rate reduction or some type of loan modification to no avail. At the rate I've been going through my savings, it will be depleted in 20 months, and I will still have a huge mortgage to pay off. I would like to take what little savings I have left and buy another house. Of course, I'd never qualify for another loan with my current debt to income ratio.

I've worked hard all my life, always paying my bills, and I find it horrifying that I can't find a way to avoid being homeless within the next couple years.
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0 votes 33 answers Share Flag
Tue May 22, 2012
James Ryan answered:
FHA financing does allow Chapter 13, however, a 12 month payment history, permission from the BK court all must be obtained, plus most lenders will add overlays regarding your score(s).
Best wishes, Jim 703 615 4675
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0 votes 7 answers Share Flag
Sun Jan 15, 2012
Andrew Warburton answered:
Depending on your income short sale is probably an option. Find a local Realtor who has closed short sales with YOUR BANK. Complete the "hardship package" (its quite a lot of work) and then see what the bank says. Good luck! ... more
0 votes 21 answers Share Flag
Tue Sep 13, 2011
Gatorrn answered:
Here is some additional information...the house was refinanced back in 2007 prior to my husband leaving me.
0 votes 7 answers Share Flag
Mon Jun 27, 2011
Mark Campbell answered:
With regards to your Question I work for a National Lender and based on your situation you would most likely meet the acid tests. Job ouside of current area and current over last 12 months on your current mortgage.
FHA will be the best program if you meet other standard FHA Guidelines.

Good Luck!
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0 votes 6 answers Share Flag
Sat Jun 11, 2011
Mark Fleysher answered:
Hi Robin,

Interesting... why are you asking Licensed Real Estate Professionals if you should use them? Hmmmm....

You are a Real Estate Buyer, and the Seller has an agent... and the Seller's Agent is willing to pay for you to have an Agent, who is independent of themselves, represent you... their agreement with their agent probably says you either have to be represented by their Agent or another Agent, as Licensed Real Estate Professionals know what forms, tasks, and... well, we know the whole process.

So you can try to represent yourself, and end up having the seller's agent represent you, but wouldn't you have someone on your side who is separate from the Seller?

Perhaps you need to shop around for Agents, and I think Trulia is a great starting place:

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0 votes 7 answers Share Flag
Sat Jun 11, 2011
Mark Fleysher answered:
You're in Florida, and I believe the answer you seek is specific to your state. Alma provided a direct link that should help you. Cheers.
0 votes 8 answers Share Flag
Sat Nov 20, 2010
Alma Kee answered:
Hi V Lady,

If you contact Kristine Bredeau with HomeBanc, she will definitely give you the correct answer.

Also she can give you a great loan with low interest and low "lender" related fees.

Apply online:

All my best,
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0 votes 8 answers Share Flag
Mon Jun 22, 2009
Mark Washburn answered:
Looks like your question about 200906398 has been answered, here is a resource to view all the waterfront property for sale in Cape Coral:

Good luck with your search!
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0 votes 4 answers Share Flag
Thu Oct 16, 2008
Carolyn Giandonato, Realtor answered:
Log onto
and you can find out all of the info you are looking for.
Good Luck
0 votes 4 answers Share Flag
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