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33809 : Real Estate Advice

  • All16
  • Local Info2
  • Home Buying10
  • Home Selling1
  • Market Conditions0

Activity 14
Sun Jul 9, 2017
Diane Christner answered:
Check with your local building department. Because FL has state building codes that take into consideration hurricane force winds, most repairs to roofs do require permits.

Taking the time to get required permits is always a good idea, for two reasons.
1. Your insurance company may not pay out claims for roof leaks/damage if you do repairs without a permit when one is required.
2. If and when you decide to sell your home, the lack of a permit would be something that should be disclosed to potential buyers of your property.
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Fri Dec 2, 2016
Maricris A answered:

Please note that if your property is inactive on Trulia, we do not have the option to add new photos. However, we do have the ability to remove your home photos. You may send your request via the link below.

If you intend to put your home on the market, you or your agent will have the ability to create a new listing and post new photos. This new listing will then override the property page with the outdated data.


Consumer Care Advocate
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Sat Jul 16, 2016
Sally Grenier answered:
Most lenders require a minimum of 620-640. The higher the better!
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Sun Jun 12, 2016
Five Stars answered:
Check the USDA map, many locations in Polk County are still USDA approved.

Five Stars Mortgage
Florida Home Loan Resource
7 days week - 9am-8pm
Ph: 800-871-2636 ... more
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Wed Feb 10, 2016
Tarahayley answered:
The status of a property which is in the early stages of being repossessed due to the property owner's inability to pay an outstanding mortgage obligation. Reaching pre-foreclosure status begins when the lender files a default notice on the property, which informs the property owner that the lender will proceed with pursuing legal action if the debt is not taken care of. At this point, the property owner has the opportunity to pay off the outstanding debt or sell the property before it is foreclosed.

BREAKING DOWN 'Pre-Foreclosure'
Property owners who are in the pre-foreclosure stage may enter into a short sale in order to pay off outstanding debts. Because the property owner is looking to avoid being foreclosed upon, an interested party may be able to purchase the property for less than if he or she waited until the property went into foreclosure. After a property is foreclosed upon, the lender is more likely to try to sell the property at lower prices.

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2 votes 8 answers Share Flag
Sun Mar 15, 2015
Wayne Weathersby answered:
I am a realtor in Polk county florida, Which includes Lakeland, Winter Haven area. I may be of some help to you.

Wayne Weathersby
Keller Williams Realty
0 votes 6 answers Share Flag
Sun Jan 18, 2015
Annette Lawrence answered:
It is frustrating.
Yes, homeowners can be harmed by the publication or reckless evaluations on entertainment websites like Zillow and Trulia.

What can you do to get this corrected? Call your attorney.
These two organization have an near monopoly on the information the public consumes. Hopefully your attorney sees a class action potential.

Finally, when it's time to put your home on the market, instruct your agent to not allow your homes data to appear on non-professional websites. REAL buyers are finding or confirming actionable data using the MLS. Just keep your homes data where you have control over it.

Once released to the entertainment sites, they can do whatever they please, for any purpose that pleases them, for as long as they choose, that may place you and or the new owner in great peril.

Now, go to Google maps and blur your homes street view BEFORE you put it on the market.
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Sat Nov 30, 2013
James Trow answered:
Yes Diane, you can certainly set your own price, but a market analysis should be done in order to better determine the price. I can help you with that. Is your mobile home currently listed with another realtor? ... more
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Sun Nov 24, 2013
Usda Mortgage Source answered:
Please contact us below, we would be happy to help with anything in Florida.
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Wed Jan 18, 2012
Allison Fishwick answered:
If your wifes name is not on the Mortgage she should not be part of the judgement. But your safest bet would be to contact an attorney to make sure for you before you default.
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Wed Aug 25, 2010
Ruben Pizarro answered:
Thomas I understand where you're coming from as well as where Daniel Burrows is coming from. As a short sale specialist sometimes i feel as if it doesn't make much since to keep a Lost, Depreciating, Expense Investment, it's like renting.... BUT... The market will eventually rebound. Think outside the box for a second. You need to look at what could potentially happen if you let go of this property. I'm not an attorney but i always research to better sooth my customers frustration with these situations its my job... It is true that on a Primary Home, commonly referred to as a homesteaded property, unless it's a tax lien the banks cannot force the sale to satisfy a lien. *Florida* But they can attach a deficency judgement, and all it's little goodies (attorney fees) to your primary resident, and even though they cannot foreclose on you if you ever try to sell it, the lien must be satisifed before you can offer clear title. Something to really think about.
So lets estimate $400 x 12 = $4,800 a year for 7 years which is $33,600.00; It could goto auction and sell for $70k, now you have a $50k deficency. Best of luck, call me if you need to talk 863-409-1734, i know $400 goes a long ways in this economy, but simply said if you can afford it, keep paying it. Best of Luck :-)
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Wed Aug 25, 2010
Ruben Pizarro answered:
Before the bank can start any process of the foreclosure. You have your redemption period which is 4 months. After the fourth month the bank can actually start the foreclosure process or more commonly refered to as Lis Pendens,, even if your 3 months behind and you keep paying your mortgage, they cannot start the foreclosure process. I'm a short sale specialist in Lakeland, if you have any more questions, feel free to contact me in person. Ruben Pizarro - 863-409-1734 ... more
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Thu Sep 4, 2008
Myrtle Dawkins answered:
This is for Mike. I had another question. Should my Realtor work with the Buyer"s Realtor to benefit the buyer.
house listed 279,900-received offer 269,900 pre-approved-we dropped price. Buyer with Ameridream 3%dwn pmt and 4% closing-okay with that-after pying commission-walk away price near 234,000.okay with that. Asked for HUD Settlement-prolems began then. 2 loans-265,000 and 269,900 ours. We are selling not buying. We are on buyers insurance and she will provide reciept property tax pd by March of each yr. Then something about a buyer will executea purchase money note in form agreeable to Seller.Buyer will authorize Seller to obtain credit, etc We never agreed to any of this. I spoke with title agent-refused to answer questions. Then called my agent said did not know about Ameridream program and to stop caling her-after all she had other clients. mortgage Broker called me at 9pm-said Myrtle you ar BiPolar and we don't expect you to understand something as complicated as a contract. Why don't you just take one of your little pills and let us do our job. After all you have been hospitalized several times for depression. I said yes, I have been in some of the best mental facilities that BellSouth could pay for and not one of them taught me how to be stupid. If I were stupid, I would not be asking questions. I received a very-or I should say my husband-email with a threatened lawsuit from all parties involved-brokers,lender,title agent, both realtors, attorney fees etc.
I thought about that email-I do my best work after 12:00 am. I sent a 6 page email to Sen. Nelson and Martinex, Congresswoman Ginny Brown-Waite, HUD, FHA, Ameridream-all of above,FBI. a special one for the BUYER-she had already moved in my HOME. Due to close May 30,08.This was May 21.08. I emailed some other folks but can't remember now-remember I am Bi-polar . This was sent at 05-21,08 10:55 am. At 1:30pm 05-21,08, My husband received Buyer cancellation of contract and form for removal from MLS and to remove sign from home. My question to my representatives-should I not tell the truth on the HUD Settlement Statement. Truly I did not understand, or take my chance in State court. I choose the latter. I told my agent to pursue with the lawsuit because I did not think a judge would find me at fault if I did not understand the contract and I could not get any straight answers. A new contract with simple language that I could understand would be needed in order to close. I also included all of her emails-I needed clarification on 4 letters-ASAP. She stated on her emails that she always gave me extra time because of my illness which made the contract difficult for me to understand. I am a 2-yr college student with a 4.0 GPA, member of the PHI Theta Kappa Honor Society and a member of the National Dean's List.. Of couse, it has taken 3years due to my illness-I do have relapes from time to time.I call it my crisis time. My son was in the Navy and was kiled in 2005 on Mother's Day(crisis time) Because he had been to a Night club-his death was considered willful misconduct. I was told tht once the Rear Admiral rended a decision-it was never overturned. I had the right to respond-Military calls it a Reclama. It was overturned. It took me 3 months instead of 1.I successfully adopted my grandson Pro Se. Refused to Pay an attorney. I didn't mean to get into all of this,but it bothers me that the public at large still do not have a clue or understand what Mental ILLiness is. Thanks for being my sounding board today. I attended the DNC last week as a Delegate. I am also a Political Activist. Please don't consider this my resume. Sorry

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