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Valrico : Real Estate Advice

  • All90
  • Local Info6
  • Home Buying32
  • Home Selling0
  • Market Conditions2

Activity 71
Sun May 7, 2017 asked:
0 votes 0 Answers Share Flag
Thu Feb 9, 2017
Loftonsangel asked:
Thu Feb 2, 2017
Tnguyen47 asked:
0 votes 0 Answers Share Flag
Sun Sep 25, 2016
Diane Christner answered:
Julie has probably sold her home by this time, but since someone has re-activated this older post, there are some safety tips I can suggest for owners showing/selling their homes without a real estate agent.

1. Pre-screen prospective buyers before allowing them into your home. Partner with a local lender or mortgage broker and ask everyone wanting to see your home to get pre-qualified first. That will weed out many of those with other ideas in mind than buying your home.

2. Safety in numbers. If you are alone, ask a friend or family member to come over for all showings. Also, carry your cell phone on you at all times during a showing in case you need it.

3. Always have prospective buyers sign a "guest book," get their names, addresses and phone numbers. Ask to see a photo ID.

4. Always plan ahead for showings -- lock up or hide valuables, prescription medicines.

5. Never lead the way when showing your home to strangers. Instead, point the way to guide them, letting them go first.

6. Never back yourself into a corner, always have an "escape route" in mind.

7. After all showings, check your windows and doors to make sure all are still secure. Criminals have been known to unlock windows while touring homes to come back later on and rob them.

8. Never tell a caller that you can't show your property because you won't be home at the time they indicated.

It is always better to be safe than sorry, so caution when showing your home is key.
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Sun May 15, 2016
Julie Ingraham asked:
Wed May 4, 2016
Gudrun Halbhuber answered:
We had construction work in our complex- work was completed association has conflict with contractor - Placed a sign "No trespassing" by the walk to my front door and roped off the area. No one can get to my front door for weeks. Association refused to give me access. Only entrance through my garage.
Area is not dangerous.
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0 votes 11 answers Share Flag
Sat Jan 30, 2016
Susan Wilson answered:
Good morning
I have a 2 bedroom/2 bath townhome, furnished, that will do a short term lease. It's in a nice gated community near Bloomingdale and Gornto Lake. It will be available by Feb. 15th. Please feel free to call me at 813-300-6800 if this would work for you. ... more
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Thu Nov 19, 2015
Diane Christner answered:
Hi Julie,

There are options if you can no longer afford your home.

A site where you can find foreclosure avoidance counseling agencies is:

There are 2 main government programs that may be of help to you. Home Affordable Modification Program (HAMP) is for hoemowners who want to remain in their homes if possible. The 2nd program is Home Affordable Alternatives (HAFA) for homeowners who are unable to keep their homes or no longer wish to keep their homes.

Now, as to options. There are a number of options that MAY be open to you, depending upon your specific circumstances. They include:

1) Refinancing if you are eligible for a loan modification.

2) Deed in Lieu of Foreclosure -- you offer to trade the property to the lender in exchange for cancellation of the note. Keep in mind you still should seek legal advice to make sure the lender does not try to make you liable for the balance owed as part of the deed in lieu.

3) You can request your lender to cooperate with you in doing a short sale. In a short sale you list the property with a real estate agent and try to sell it in order to partially pay off the lender. You want to make sure that any short sale approval by your lender includes language releasing you from responsibility for the balance owed. If you decide to do a short sale, be sure your listing agent has a good track record in handling short sales and is up to date with current short sale procedures.

4) Forbearance -- this is where the lender agrees to spread out the back payments & penalties over a fixed number of upcoming payments to allow the homeowner to catch up.

5) Foreclosure -- if you decide foreclosure is your best option, it is still important to consult a real estate attorney that handles foreclosures to assist you in dealing with the lender(s) to see if you can avoid a deficiency judgment.

There may also be tax consequences of a foreclosure, short sale or loan modification. The IRS has information about this on their website at

Short sales are generally preferable to foreclosures because short sales may not damage your credit history as much as a foreclosure and therefore your ability to obtain financing in the future.

Good luck, I hope things work out for you.
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Thu Nov 19, 2015
Julie Ingraham answered:
Refinancing is not an option I can consider. Thanks though.
0 votes 1 answer Share Flag
Tue Aug 18, 2015
Tarahayley answered:
If you don't pay HOA assessments, the homeowner's association can initiate foreclosure proceedings. An HOA foreclosure is similar to a foreclosure of your home by a mortgage lender. However, there are a few differences. ... more
2 votes 11 answers Share Flag
Thu Jul 30, 2015
Fosterd answered:
Hi there, I am currently seeking a tenant for my home in Valrico. All rooms have been freshly painted and new flooring is being installed this week. It is in Durant HS's boundaries. Here's the link: ... more
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Fri Apr 24, 2015
Annette asked:
My home went into Lis Pendens 2/2/2009 but the bank do not take it out of my name until 9/6/2013. I live in TX looking to move to FL.
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Mon Mar 2, 2015
Hi Cory - I would be glad to help you with finding your new home in Florida when you visit in April! In the meantime, let me know if I can help with getting the pre-approval process started and compare rates. I've visited Seattle in the winter before - hope you are keeping warm!

Anne Marie

Anne Marie West, Realtor
Coldwell Banker
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Mon Mar 2, 2015
I have found many properties on your website that are setup by a person committing fraud. So far I have found:
443 Summer Sails Drive, Valrico FL , 10305 Frog Pond Drive, Riverview FL,…
0 votes 0 Answers Share Flag
Wed Jan 14, 2015
Annette Lawrence answered:
SOME auctions will insure a clean title before ownership is transferred.
Others do not. The proverbial 'courthouse steps' auction provides the buyer no assurance.

You will need to review the documents provided to you, or to which you were directed to on-line, to assess what you purchased. Or have your REALTOR review those docs.

Finally, there is always the lawyer option.

Be aware, there may also be hidden in the shadows code violations and city maintenance charges, unpaid utility, waiting to be resolved. These, in addition to the HOA fees, are all routine issues commonly resolved by the professionals you have hired to represent you.
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Thu Dec 4, 2014
Dan Tabit answered:
An escrow or closing fee is still a necessity. Escrow is where all the money is collected and disbursed, ensuring that the lien holder(s) get paid off and the title is properly transferred into your name. They also ensure all the documents are signed properly, taxes are addressed and paid and there are no surprises. ... more
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Sat Oct 25, 2014
Sally Grenier answered:
Impossible for anyone here to say yes or no. It depends on what comes up during inspection and appraisal! Sorry, but it's very frustrating for buyers (and agents) when sellers say "as-is". What happens if there's an inspection item that comes up that HAS to be fixed before closing? If you want to sell the house, you should be open to fixing items that are going to be deal breakers with the lender. ... more
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