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Home Buying in Cocoa : Real Estate Advice

  • All78
  • Local Info2
  • Home Buying24
  • Home Selling2
  • Market Conditions4

Activity 59
Wed Feb 1, 2017
Diane Christner answered:
You left out some details, but it sounds like you purchased the property in 2016 and your lender escrowed taxes based on the 2015 tax bill of the previous owner. Because the homestead exemption was voided as of January 1, 2016, the property was reassessed for tax purposes and the taxes went up, which caught you by surprise.

Unfortunately you will be responsible for paying the balance of the tax bill to your lender.

Every county property appraiser's office that I know of has at least one web page dedicated to explaining the homestead exemption process, including the fact that you cannot rely on the current owners tax bill as a reflection of what you will pay as a buyer because a sale triggers a new assessment of the property.
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Fri Jun 10, 2016
Jrmoore73 asked:
on her computer that she ( has shared with me, but I never receive anything. Yes, I've checked junk and spam folders. Any help would be greatly…
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Tue Oct 13, 2015
Roger answered:
I always use Florida Building & Land Surveying anywhere in FLORIDA 877-894-8001 Best prices and best service
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Tue Aug 18, 2015
Tyeshaolga answered:
Lis Pendens is Latin for "Suit Pending." Lis Pendens is a notice filed in the public record that a lawsuit has been filed against the property. Most likely the lawsuit filed is a foreclosure. So you can either approach the owner and payoff the outstanding loan to the bank or wait for the proeprty to emerge as an REO.
Web Reference:
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Sun Mar 15, 2015
Robin Ricker answered:
Yes, just give us a call and we can walk you through the process!
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Wed Jan 21, 2015
Jinger Knox answered:
I am not an attorney and this is just my personal opinion based on what I have experienced. You will probably not be evicted in 4 weeks. If they do file for eviction ANSWER it. Don't merely let them get a default judgement against you (in which case you would in fact be evicted within 4 weeks). If you answer the complaint you may get an opportunity to go in front of the judge and explain the situation to him, along with an attorney for the bank who will more than likely be of more help with your situation then a Realtor who can not negotiate directly with you regarding cash for keys. I'm not sure that a 2 year lease will hold up against an eviction, and if you have been paying no rent to anyone I would expect that the eviction would be upheld. Another risk of waiting for eviction to be filed is that with an eviction on your record it very difficult to rent another property.

If I can help you find a new rental please let me know

Jinger Knox
85 and Sunny
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Mon Sep 22, 2014
Helen answered:
cocoa beach is 20 minutes or more depending on how far
you want to go down the beach. You go have river & parks
in port st john & titusville.
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Tue Aug 19, 2014
Cheryl McDermott answered:
Let me know if you are still interested in a fixer upper. I will be more than happy to help.

Cheryl McDermott, CDPE
Coldwell Banker Sun Land Realty
(321) 704-1953 call or text ... more
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Wed Mar 19, 2014
Anna M Brocco answered:
Be aware that rent to own is not a good idea, therefore fix whatever is preventing you from purchasing outright. Rent to own can be risky and one could stand to lose a bit of money, therefore do inform yourself well, and consider consulting with an attorney who specializes in real estate beforehand. If you haven't done so yet, visit with any licensed loan officer, see if you can buy outright, or simply continue renting until a purchase can be made..... ... more
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Sun Feb 9, 2014
Laura Gray answered:
the pool is on the East side of the house, so it receives morning sun and in the afternoon has shade.
I am the listing agent, so if you want to see it call me 407 719 8103
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Tue Jan 21, 2014
Jim Simms answered:
Depends on the type of loan that the current owner has on the home. Some mortgages are assumable while others are not. I cannot think of a good reason to go this route today with rates as low as they are and other disposition methods are available to the seller, but let’s answer your question.

Maybe. As long as: 1. The loan is assumable 2. You qualify for the mortgage being assumed 3. The train wreck isn’t more complicated than just the first mortgage

It is my experience that many people caught up in the foreclosure process have more than just one problem. Judgments and tax liens are just a couple of examples of things that could complicate the deal.

If you are trying to go the assumption route because you know you do not meet the mortgage guidelines’ minimum requirements then this is not the solution. The lender cannot approve the assumption and you do not want to throw your money away trying to avoid the rules. They can and probably will foreclose on you if they are not part of the process. Good luck,

Jim Simms
NMLS # 6395
Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. This answer is my personal opinion, has not been reviewed or approved by the company I work for. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.
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Tue Dec 10, 2013
Ospilot asked:
Sat Nov 30, 2013
Don Tepper answered:
Most lenders won't be interested in making loans of under $50,000. There's too much overhead for the small amount of profit to be made.

Consider, instead, a private lender. Or a personal loan. Or ask the seller for owner financing.

Hope that helps.
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Sat Nov 30, 2013
Phil Rotondo answered:
The following link takes you to the Coldwell Banker Home Loan's website:
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Fri Nov 15, 2013
Valia Cruz answered:
Hi - If you can provide an address I can research this for you.

Valia Cruz
Lovera Realty LLC
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Mon Sep 23, 2013
Brian Nguyen answered:
By what you are saying it sounds like a VA loan would fit best for you. A VA loan is a mortgage exclusive to veterans. This loan has great benefits such as no required down payment. When it comes to credit scores, lenders like myself have been able to give out these loans with scores as low as 560. So if you are above 560, you have a much better past. So I recommend you speak with a lender like myself who would be glad to speak with you. Well I hope this helps! If you have any other questions or if you would like a loan, feel free to contact me. Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 ... more
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Thu Sep 19, 2013
Keith Jean-Pierre answered:
I would suggest you try the regular rental sites: (Rentals Section) (Rentals Section) (Rentals Section)

Between all of those, you will get a very clear picture if you can find what you are looking for. Good luck!
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Thu Sep 12, 2013
Phil Rotondo answered:
The average is 32.3% higher than the national average for towns of similar sizes.
It's also above the median for all of Florida.
Can I help you find properties in Cocoa?
Phil Rotondo, Realtor
Coldwell Banker Residential Real Estate
Melbourne, Fl.
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