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Home Buying in Tampa : Real Estate Advice

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Activity 843
Fri Jul 14, 2017
Twirkus answered:
We bought a 3 year old West Bay home. Very high quality builder. We discovered a tile roof leak in the master bathroom and submitted a claim. Their home warranty stated the roof was covered for only 1 year. However, Dale, the warranty department manager responded immediately with questions; and said if it was caused by faulty installation, West Bay would take care of the issue. Their roofing company came out, diagnosed the problem and fixed the leak. Dale also scheduled his drywall contractor and painter to repair interior damage.

West Bay's response was professional, timely, and fair. They stood by their product and were very accommodating throughout the entire process. I would strongly recommend this quality builder.

Tony W.
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0 votes 37 answers Share Flag
Sat Jul 1, 2017
Alan May answered:
Kathy's tirade is directed at real estate agents.

Your complaint is about an incompetent title company. Title agents are not independent contractors... they are fully employed and under the oversight and supervision of the title company.

It sounds as though you're prepared to cut off your own nose to spite your face. The title company, whether they've been incompetent or not, tells you that you'll be closing less than a week late... it does ocassionally happen... and for that you're prepared to lose the house and money?

Maybe the title company screwed up... maybe they didn't. If you no longer want the house, that's one thing. But if you still want the house, don't make an emotional decision that you'll eventually regret. Just gird your loins, and go forward. After the closing make sure you let the title company know about your disatisfaction. Writing negative online reviews for a title company, regardless of what Kathy tells you, is likely to have zero impact.
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0 votes 2 answers Share Flag
Sat Jun 10, 2017
Isaac Hoskins asked:
Tue Jun 6, 2017
Crystal Moir Kirkendol answered:
Hey Kyla! We are building in the Saint Johns FL area and looking for lenders doing 10% down construction to perm loans. Just curious as to which four banks you found that do this? We're struggling at the moment... ... more
0 votes 9 answers Share Flag
Tue May 9, 2017
Jdmjeanpaul asked:
me and my wife are looking to buy in florida with out finding a job there first. we figured we buy a house in FL as our second home (currently live with my mom renting to save money )so…
0 votes 0 Answers Share Flag
Wed May 3, 2017
Katie Allen asked:
So I've filed taxes the last two years for a side cleaning business I have. I get 1099's which I file sch C taxes etc
I don't write off any as a business expenses either.

First year…
0 votes 0 Answers Share Flag
Sat Apr 29, 2017
Robert Greenblatt answered:
Hi Katie,
It is very common to negotiate a closing cost credit (to be paid by the seller) when purchasing a home. Closing costs in my service area tend to be approximately 3.5%-4.5% of the sale price. Depending on where you are shopping, a USDA loan does not require any down payment. A well-qualified local lender will be able to assist with additional details on what else may be available in your area.
- Robert Greenblatt
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1 vote 1 answer Share Flag
Wed Apr 26, 2017
Chris.partipilo answered:
Here in south Florida I spend about $100/ month for my pool service. I use Sentry Pool and Spa, they are wonderful. I can always count on them showing up, and my wife feels safe cause Sentry Pool and Spa is Veteran Owned.

You should call them if you are in South Florida.

Sentry Pool and Spa

561-264-1313

Www.facebook.com/sentrypoolandspa
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0 votes 18 answers Share Flag
Sun Apr 16, 2017
Scott Godzyk answered:
It will depend if the home was listed at a lower price to reflect all these items or priced at full price compared to an updated home. If priced the same as an updated hope i would ask. If priced lower to reflect these repairs already. They may not agree, bit you can ask anything ... more
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Thu Apr 13, 2017
Melvin List answered:
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
Sat Mar 25, 2017
Diane Christner answered:
Explaining FL property taxes can be a very complicated topic, especially for people moving here from another state.

First, any prospective buyer needs to understand that while you can look at homes in a specific price range to get an idea of what to expect for property taxes, a buyer should not rely on the seller's current property taxes as staying the same in the year following your purchase. A sale triggers a reassessment of the property -- if the new assessed value is higher, the taxes will go up as the largest portion of our tax bill is the ad valorem portion based on millage rates. The higher the assessed value, the higher the ad valorem portion of the tax bill.

If you notice home (a) has much lower property taxes than home (b) even though they are in the same area and are similar in size and condition, you need to know that a home where the owner has lived a number of years (and is their homesteaded property) may have lower property taxes due to the 3% per year cap on increases that is a benefit of having the homestead exemption. Homesteaded properties also have added assessment reductions which result in savings on the tax bills. As I mentioned above, the home with lower taxes will see the property reassessed after a sale, so the buyer should not assume that the taxes will remain at that lower tax rate. Same for a bank owned property that may have lower taxes due to the foreclosure.

By the way, the new assessed value will not necessarily be the same as your purchase price, the assessors have a formula they use that includes other recent sales in your neighborhood & other criteria such as replacement cost of improvements, location and condition.
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1 vote 1 answer Share Flag
Wed Mar 22, 2017
Jfxm2332 asked:
I'm a prospective buyer and don't want to waste my time if the Builder refuses to negotiate the Purchase and Sale document
0 votes 0 Answers Share Flag
Wed Mar 15, 2017
John Burke answered:
Hi Beth R,

Since you are not looking to purchase for a year or two your student loans will be rehabbed by then so they should not present a problem as long as you continue to make the payments. The good news is your student loans are private so you should have a clear CAIVRS which could have been a concern if you had government backed student loans.

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

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
http://www.trulia.com/mortgage-lender-profile/MTG%20Banker/#reviews
... more
1 vote 2 answers Share Flag
Sat Feb 25, 2017
Diane Christner answered:
If you are not happy with the level of service you are receiving, contact the broker of the real estate company with your complaints and see what other options are available to you. Perhaps the broker is willing to provide oversight on your transaction. Perhaps the broker is willing to assign a different agent to your transaction or add a 2nd agent that may be a better fit for you. Perhaps all that is required is the broker to communicate to your current agent that your expectations are not being met at this time. See what you can work out with the broker as your contract is actually with the broker and he/she does not want to have unhappy customers. ... more
0 votes 1 answer Share Flag
Fri Feb 24, 2017
Paul Carraro answered:
Hello Joan. Your best option is to connect with a top local real estate agent who can help you with options in Hillsborough County outside of Tampa. Having lived for years in the Tampa Bay area myself, I can share also that a top local agent can make a world of difference in your search for your new home. Often overlooked but also important is to research about the homeowners association including restrictions and assessments. Our licensed real estate company specializes in helping clients to connect with top agents in any market, including in Tampa Bay, and there is no charge for our service. Go to my website http://www.parkplaceconnects.com/pcarraro for more details, and please let me know for any questions. ... more
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