Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

33609 : Real Estate Advice

  • All21
  • Local Info2
  • Home Buying12
  • Home Selling3
  • Market Conditions0

Activity 21
Fri Aug 25, 2017
Sally Grenier answered:
Are you talking about an active listing for sale? Or something that has sold already? If it's listed for sale, your agent should have made the price change in the MLS, and eventually these sites will get updated. Or your agent can manually update the list price.

If you're talking about the sales price of something that has already sold....I'm not sure why you need to change the info on that. This is just a marketing website and the data here is often inaccurate. The sale of your property will be reflected in your county records.
... more
0 votes 1 answer Share Flag
Thu Apr 13, 2017
Yes I would find a mortgage broker that works with lenders with no Overlays for FHA loans and have them do a full pre approval.
0 votes 1 answer Share Flag
Sun Feb 19, 2017
Alysse Musgrave answered:
FHA will approve loans with a 580 credit score and a 3.5% down payment. However, interest rates and the cost of financing are based on the lender's risk. The higher the risk to the lender, the higher the cost to the borrower. Wait until your scores are around 640 before you try to buy a home.

Buying a Home? Don't Let Them Make a Monkey Out of You! Follow the link below.

Alysse Musgrave
Consumer Advocate/
Exclusive Buyer Broker

Best selling author of Buying a Home: Don't Let Them Make a Monkey Out of You!
... more
0 votes 2 answers Share Flag
Mon Jan 23, 2017
UpNest answered:
Yes, there are flat free realtors in the Tampa area but you need to know where to look. Have you tried utilizing the platform You can find a realtor who only charges a flat fee in Tampa and ask them questions prior to hiring. Sign up is free! ... more
0 votes 17 answers Share Flag
Mon Oct 31, 2016
Try to work with a local Florida lender, get pre approved weeks in advance. Please reach out to us if we can help.
0 votes 24 answers Share Flag
Sun Oct 23, 2016
josh campbell answered:

here is the list of states where foreclosure just started this month october 2016
1 Delaware
2 New Jersey
3. Maryland
4. Nevada
5. Florida
6. Illinois
7. South Carolina
8. Connecticut
9. Ohio
10. Massachusetts
... more
0 votes 1 answer Share Flag
Tue Oct 11, 2016
Lola H Walker answered:
Cost depends on the size of the house and what inspections you request: You may want not only a home inspection but also a 4-pt Inspection if the house is over 50 years old and you are getting a loan. Lenders require insurance on the property and insurance companies require 4-Pt inspections per the above. Costs can range from $250-$300 for a condo inspection or up to $450 or $500 for a home over 2500 sq ft. You may also want a pool inspection, a wind mitigation inspection (which gives points toward the cost of insurance, possibly), and a WDO (wood destroying organism - for dryrot and termites) is recommended. ... more
1 vote 10 answers Share Flag
Thu Nov 19, 2015
Fscballer asked:
I have approx. 25% equity in the first house. It has been rented consistently for more than the mortgage and income is reported on Schedule E.
My FICO score, depending on the source, ranges…
0 votes 0 Answers Share Flag
Wed May 21, 2014
Robert Krop answered:
Some realtors may accept that. Make sure to ask when you interview agents. Depending on the activity in the area or what type of marketing the agent will need to do on your behalf can depend on how long a time they have for a listing contract. ... more
0 votes 7 answers Share Flag
Tue Aug 27, 2013
Jim Steele answered:
Suntrust is known for having some difficult overlays. I would be glad to help you with this.

Jim Steele
Gateway Funding
0 votes 12 answers Share Flag
Mon Jun 10, 2013
Alma Kee answered:
Ask your Realtor to post it to the Tampa Craigslist. If you're not working with a Realtor then go and post it yourself.
0 votes 1 answer Share Flag
Mon Jun 3, 2013
Manuel Brown answered:
Dear RH,

Hopefully you are working with a broker who can guide you through this process. Short Sales especially depending where they are located the bank will accept a discounted price to get the non-performing asset of the books. What you need to know is not only what fixed up home with the same number of bedrooms, baths, and square footage have sold for but also know what other short sales have sold for in the last three to six months. The data is available. ... more
0 votes 9 answers Share Flag
Mon Jun 3, 2013
Kawain Payne answered:
Hello Cathy,

You should budget for approx. $200 to $250.

Kawain Payne, Realtor
Prudential California Realty
0 votes 4 answers Share Flag
Wed Apr 3, 2013
Fawn Neun answered:
There are a number of 55+ communities in the Tampa Bay area that cater to retired persons. They are generally very low maintenance and inexpensive. Depending on how much room you need, you should be able to find a condo or manufactured home with great amenities at that price. ... more
0 votes 5 answers Share Flag
Mon Apr 1, 2013
Michael Gingras answered:
Condo's are still financable with the Lender that I use. If the Condo complex is Fannie approved you can do 90% financing, Home Path as low as 3% down, and if not approved you can buy with 25% down . My lender is Matt Kenna with Res-mac Mortgage and he can be reached at 813-465-0059 direct line ... more
0 votes 7 answers Share Flag
Tue Jul 3, 2012
Robert Wilson answered:
You might qualify for reduced payments thought some of the loan workout programs available right now, however as the other responders have replied that will probably reduce your interest rate and not the total due on the property. A short sale might be a possibility if you are struggling financially, and there are certain incentives that expire at the end of 2012 that I could make you aware of as well if you like. ... more
0 votes 4 answers Share Flag
Mon May 7, 2012
Antonio Vega-Pacheco answered:
In Florida after the owner has defaulted on payments for 3 consecutive months the Lender starts the pre-foreclosure process by filling with the county something called a lis-pendens. Then they could foreclose in as little of 6 months or take years. In Florida many foreclosures are taking about 2 years but some happen very soon, it all depends on the Lender/Bank.

A home can be in pre-foreclosure process and not be listed as a Short-sale. A short-sale only happens when the current owner contacts the bank and gets permission to sell it while it is going thru the pre-foreclosure process as a way to not damage their credit rating. Was this answer helpful? If so please click on the "thumbs up" or the "best answer".

Tony Vega
Charles Rutenberg Realty
... more
0 votes 6 answers Share Flag
Tue Jun 23, 2009
Carol Jacob answered:

Only your homeowners insurance agent will be able to advise you on sinkhole insurance requirements. I have found in obtaining quotes very recently for two of my buyer polices, and my own home insurance renewal, that sinkhole insurance was automatically being quoted. In some cases, you can request it be deleted if you don't want it, but it's so inexpensive, why not have it -- that is, if it's an option in a particular zip code. In some areas, it is a requirement, so there is no option. In other cases, insurors may not even write a policy if they feel it is a particularly high risk area, or they may increase a premium due to the higher risk.

As well, insurors will sometimes write only a limited number of policies in a particular zip code during a month and then no more for that month. It's very much an unknown as to whether a particular insuror will write in any given month. That is why it is good to have a very good insurance agent one can depend upon for the latest and most honest information. I have a good one I use, who is really on top of it, so if you would like his contact information, please contact me, and I will get the two of you in touch. Good luck to you. Now is the time to buy! Give the insurance issue to a good agent . . . and happy house hunting!
Carol Jacob
Signature Realty Associates
On the web at:
... more
1 vote 3 answers Share Flag
1 2
Search Advice