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Home Buying in Brandon : Real Estate Advice

  • All170
  • Local Info27
  • Home Buying44
  • Home Selling2
  • Market Conditions3

Activity 50
Fri May 27, 2016
phil asked:
We are applying for an FHA203K and an appraisal for it was done. We have a quote of $11,000 for putting on a new roof. The appraiser noted that the after repair value of the house was…
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Sun Apr 17, 2016
Jacquie Yekmalian answered:
Just because a home has been on the market 116 days does not mean it could not have multiple offers. If a seller has started at a higher price and then lowered it over time he could be at day 116 fair market value or below market value which could cause a multiple offer situation.

Your Realtors request is not unusual. Did your Realtor show you comparables to come up with an offer? When a buyer makes and offer and wants the seller to cover closing costs it tells the seller that the buyer has little cash money saved to cover full closing costs and downpayment. This is to a seller not a sign of a strong buyer. When you make an offer wanting the seller to cover closing costs, you are basically making an offer less then your offer. Example you offer $150,000 with $5000.00 closing costs, you are really offering the seller $145,000. But your seller is still paying taxes, title, etc... based on the higher amount

My suggestion is look at the recent comparables and have your offer come in so when the seller pays your closing costs it is close to those comps.

I have limited information on this situation but it seems that your Realtor is on the right path. They know the full story and guide the customer with their experience and knowledge.

Good Luck

Like my answer I would appreciate a thumbs up.

Jacquie Yekmalian

Blue to Green Realty,
from the sea to the 18th tee
Serving Palm Beach County since 2000
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Sat Mar 5, 2016
Karen Peyton answered:
My concern for you, is that the home you buy may be deemed a marital asset.
I suggest you contact an attorney who explain a "play by play" of what could possibly happen in the future.

Good luck!
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Mon Nov 23, 2015
Kathy Lewis answered:
Most of the area in South Pasco is still approved.

USDA Mortgage Hub
100% USDA Rural Housing Loans
Serving all 50 states
Ph: 800-691-8826 (7 days a week) ... more
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Sat Jun 6, 2015
Diane Christner answered:
The state of FL has certain disclosures that are required if the home is in a mandatory HOA. If the home was built before 1978 the federal government requires lead paint disclosures. Have a local real estate attorney review your contract to make sure the terms are consistent with what you worked out with the seller and all legally required disclosures are included.

The paperwork involved with buying and selling a home is not a do it yourself project, seek legal advice.
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Mon Aug 4, 2014
Alma Kee answered:
Hi Patricia,

This is pending sale with an expected closing date of Aug 15th. It doesn't appear to be requesting backup offers.

If you're not yet working with a Realtor, you're welcome to sign up for a free Listingbook account so you can "search like a Realtor" with full details on the HOA and Community Development District Taxes (if any).

All the best,
Alma Rose Kee, PA
Sold On Tampa Team
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Mon Jun 23, 2014
niceguy523 answered:
That happens when there is a problem with the loan. They see its you via caller id and refuse to answer the call or return your calls. Its typical in the loan industry
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Thu Jun 5, 2014
J.D. "Dan" & Carol Weisenburger answered:
You want laid back but big city too? Jacksonville area (not in the city but nearby.) Not as many old folks on the road until the "Early Bird" in the afternoon
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Thu May 1, 2014
Denise Brendle answered:
Hi Sharon, what area are you looking for this purchase? Can it be a townhome? Thank you
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Tue Mar 4, 2014
Alma Kee answered:
Did you ever buy a property? Just curious if you are still looking, prices are definitely higher now than they were a year ago..
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Thu Feb 20, 2014
John Warner answered:
Do you still have your house? Or is it now bank owned? It will be a little tougher to find something to rent. Are you currently employed? Or sustainable income coming in now?
Let me know and I will do my best to help you and your family.
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Fri Dec 27, 2013
Annette Lawrence answered:
This question was asked in Aug 2012. Go Lady has likely moved on.

There are overwhelmingly more protections in place for the buyer than for the seller. A buyer can exit a contract practically on a whim or as most contracts state. "At buyers sole discretion" leaving the seller with nothing but dust and an aged listing plus residual damage incurred due to disclosure requirement all because they trusted the buyer.
Imagine if you would, that a buyer could submit an offer on homes without a deposit. The buyer knows they can exit a contract on a whim. What prevents them (buyers) from papering the local market with offers knowing they will only buy the one that accepts a 'after offer' price beat down? A trail of ruins in left in the wake of such buyers that the seller inherits.
The presence of a monetary offer, as meager as the deposit is, suggests the buyer is not papering the market and could become a challenge for the buyer to write checks for multiple deposits. (THOSE CHECKS WILL BE CASHED) from their cash reserves.
The answer to your next questions are NO and NO!
If the home inspection finds flaws and the owner chooses not to fix...You do not get your inspection fee refunded.
If the fiat appraisal comes in below the negotiated price and the seller does not lower the price to match, you do not get your appraisal fee back.

Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
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Sun Dec 15, 2013
Elba Gonzalez answered:
if you go to county public records it should have the deed restrictions listed.
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Sun Jul 21, 2013
Stephen McRory answered:
Florida Mortgage Broker responding....

I am a supporter of an Exclusive Buyer's Agent Agreement. If I were a Realtor I would have one in place before I put anyone in my car to show homes.

I don't know why more Realtors don't have them signed.

Well, I know why, they're scared to ask for the commitment, but I believe a Realtor who is a true Professional and values their time and effort, should not be scared to insist that buyer's sign one.

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Thu Jun 20, 2013
Antonio Vega-Pacheco answered:
Agree with Tracy below.
The loan will be the biggest of the expenses, there will also be tax escrows, association escrows, title closing fees, insurance, etc. Ask your lender to provide you with a "good faith estimate" that will outline all the possible cost for the transaction. Was this answer helpful? If so please click on the "green thumbs up" or the "best answer".

Tony Vega
Antonelli Realty
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Thu Apr 11, 2013
Julie Horvath answered:
There are very strict rules around what fees a lender or title company can charge in connection with a mortgage being financed through VA. You should never have to pay a document storage fee. ... more
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Mon Mar 18, 2013
Dawnett Plagge answered:
Congratulations for being stationed at Macdill AFB. The Tampa Bay Area is a great place to live.The average sold homesinthe price range between 170 & 250k in the Apollo Beach, Brandon, Riverview, Gibsonton, areas are up 82% from Februaryof 2012compared to February 2013. It has been gaining in the last three months. New construction is also on the up swing, it will depend on the amentites that you are interested in as to which purchase would be your best and most economical.
The issue with "chinese drywall" has dimished due to the fact that if you know that you have chinese drywall you have to disclose it,but I would recommend a home inspection no matter which way you go, so that you don't have any major unexpected problems.
If I could be of any further assistance to you and your family please give me a call.
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