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Tampa Palms : Real Estate Advice

  • All10
  • Local Info0
  • Home Buying7
  • Home Selling1
  • Market Conditions0

Activity 10
Wed Sep 12, 2012
Alma Kee answered:
Your agent representing you in your purchase can assist you. If you're not compensating a Realtor then you can hire an appraiser.
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Tue Feb 28, 2012
John Walin answered:
Sat Nov 26, 2011
Robert Chomentowski answered:
Yes you can have a non-occupant co-borrower on a FHA loan. It may be a little more difficult to get a FHA loan at 600. I recommend having a loan officer check your credit and then go though your credit report with you to see if there are any things you can quickly correct to bump your score up. The most common things you can do to bump your credit score is to get mistakes removed and pay credit cards down to 30% of their credit limits. ... more
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Thu May 19, 2011
Alma Kee answered:

You're welcome to see all of the available rentals in Tampa listed on the Realtor MLS system by signing up for a free listingbook account on my website:

Just be very careful to be sure the person you rent from is not in foreclosure or you may have to allow Realtors and their buyers into the house with just minimal notice. It would be quite uncomfortable. Also it's not unreasonable to ask the owner to show you a recent mortgage statement to be sure they are paying their mortgage payments on time.

Hope this helps.

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Sat Mar 26, 2011
Lisa Reeves answered:
In regards to Tampa Palms and condominiums there are two fees. The Homeowners association fee for Tampa Palms is for the Master Plan Community which everyone living within Tampa Palms Subdivision must pay for the up keep and beautification of the Master Plan Community and extra ammenities if available like swimming pools, tennis courts, playgrounds, etc. The Condominium fee is your unit and property maintenance fee is for the actual condominium and covers exterior insurance, maintenance, water sewer trash, security to the complex, etc. Now Tampa Palms is a CDD community. Community Development Disctricts have an extra tax that is associated with the infrastructure of the community, roads, underground, sidewalks, lighting, schools, etc. If you would like to contact me I can get you better information which is more indepth about all the communities in the Tampa Bay area whether Pinellas, Pasco or Hillsborough County. ... more
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Wed Nov 3, 2010
Mott Marvin Kornicki answered:
Do your best in applying at the CU.... Banks and Lenders are more stringent than ever.

Too many people have walked away from their homes......
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Tue Apr 27, 2010
Rick Scherer and Kevin Reder answered:
I absolutely agree with the comments many have previously posted. Hiring an appraiser is an excellent start, there are several types of appraisals, make sure you tell the appraiser the purpose of this appraisal is for fair market value.
Exposure to the greatest audience is essential, when you interview agents, ask about their marketing plan, this can vary a great detail from brokerage to brokerage, as well as agent to agent. It is our policy to use professional photography, as the photos are the building block of all of your marketing material, virtual tours, updates every 24 hours to nearly 30 websites, an individual website for the subject property, mailers, advertised open houses on the internet and newspaper and full page color newspaper ads. The appraisal and traffic flow will tell you immediately if pricing is correct. We would be happy to go into more depth of how we service our sellers in this difficult, but still very sellable market.
Best of luck, Rick

Rick Scherer & Kevin Reder, ALHS, CLHMS, P.A,
Smith & Associates Real Estate
Tampa FL 33629
813. 892.7907
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Sat Jan 9, 2010
Carl Ashton answered:

Yes Alma is correct but they have changed to allow some properties here in florida that are occupied over 30% on a case by case basis, and it is a 91 day ownership requirement (Except Foreclosures thru federally chartered banks and other state banks registered with the OFR) so FHA financing will work in some cases.

Also if there are other problems, the FHA appraisal will note those items and the underwriter in my case (me) may require repair before the loan can close, and comps and appriasial will come in to play to get values in line, thier may be out of pocket expenses for these items so you can buy.
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Tue Dec 29, 2009
Sue Dannheim answered:
hi, Matt!

I am not in your area (I am in NJ), and I was going to tell you to find a local Realtor with experience with short sales. Then I read Nicole's post- you already found one!
I have completed a number of short sales here in S. NJ (we are close to Philadelphia), and can tell you to expect delays and frustration, mainly from the bank/ mortagor involved, who is losing its' shirt on the deal. Attorneys can also slow things down. So, stay close to your experienced realtor, don't blame her for the pace, and listen to her advice!

Good Luck!

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Mon Dec 14, 2009
Antonio answered:
Hello Matt,
I believe if you use your Dad purely as a co-signer, you still will qualify for the tax credit... which is 10% of the purchase price to a max of 8,000.
It's a great time to buy, and there're plenty of discounted inventory on townhomes.
Also if you think that you score is above 580, there might be a possibility to go on your own; I could even get you 7,500 downpayment assistance on top of the Tax credit!!!
Please contact me to nail details and your needs.
best regards,
... more
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