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Home Buying in 33174 : Real Estate Advice

  • All14
  • Local Info1
  • Home Buying7
  • Home Selling1
  • Market Conditions0

Activity 870
Thu May 8, 2014
Cristyle Egitto answered:
Typically agents who specialize in short sales and foreclosures will include it somewhere in their profile or website. There are also designations for short sale/REO specialists who have completed classes covering those types of transactions.

You can also search on Trulia. Go up to the top where it says "Find a Pro" and enter your location and keywords. For example, I just searched Miami Beach, FL and found Marc Middleton who lists Short Sales and REOs as his specialities. He has 15 recommendations, which is good.

Here is the link:

I don't know Marc, so I can't personally recommend him, but I just wanted to show you that there are ways to find agents who specialize in what you are looking for.

Good luck!
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0 votes 11 answers Share Flag
Fri Apr 19, 2013
Yanoska Diaz answered:
I will be listing a 3/2 very soon for around that price, the only issue may be that it is located across cemetery. If the location does not present a problem for you please feel free to contact me via my profile. ... more
0 votes 3 answers Share Flag
Sat Apr 13, 2013
John B. Anderson answered:

Awesome question! This is a subject that fits into a category I like to call the "heavy lifting". Short answer is, start by contacting a qualified attorney that specializes in these matters.

The reality of the situation is that there will be much work associated with this process and it will be costly, and....time consuming. Please understand that there are also important variables that will come to bear. Why did this association get dropped? We all know there was a major review of HUD approved list associations and multitudes were relieved of their approvals and often because of good reasons that are intended to protect borrowers. [and who else? you guessed it- lenders, who then will sell those new mortgages to Fannie Mae- the cycle continues] But I digress.

Are you a purchaser or an owner? A purchaser might have fallen in love with the home and would be seeking placement of conforming loan financing. An owner may be refinancing or trying to sell and finding out the bad news. All of these situations are worthy of our best attention.

What's important,

Cash reserves- Does the association meet the standards?
History- Is there a record of fiscal responsibility?
Complications- Have special assessments for needed improvements pushed the finances of the association over the margins of viability?
High foreclosure rate- non payment by owners no longer honoring their obligations?

The entire matter must be examined by quality professionals for viability to re-qualify. Our offices have been through this before and been successful in myriad situations.

Big job, choose your battles wisely. Let us know if you would like more help.
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0 votes 3 answers Share Flag
Wed Feb 8, 2017
Louis Urbina answered:
It should be 3 years after all the proceedings were finalized. But it also only effects whoever was on the mortgage, so for example if your wife was not on it she would be able to buy. But no worries, millions and millions of people are in the same situation. You'll be able to buy in no time!

Louis Urbina
Real Estate Consultant for EWM
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0 votes 15 answers Share Flag
Mon Jun 17, 2013
Ann Ryan answered:
Fam, give me a call, and let's chat about what you're looking for. The sad fact is that it can be very difficult to find a property right now.
0 votes 21 answers Share Flag
Sun Jun 23, 2013
marc jablon answered:
According to prognosticators in our industry, the next downturn is not due until around 2020. As real estate agents, we tend to follow the trends, rather than predict them.

During the past year, we've watched housing prices in the area make gains from 9% to 27%. Prices increases of homes in Miami are close to the top of those numbers.

Home prices in Miami, as well as in most of the hot markets around the nation, are likely to increase with inflation, even if the market cools down a bit. However, unless more inventory comes into the market to meet the demand for homes, prices are likely to remain high based on the limited supply.

Typically, a six month supply of Miami homes equals equilibrium in the market. Right now, supplies stand at 4 months or fewer. In addition, large numbers of investors from all over the world feel that the United States is a safe haven for their cash.

Real estate, at the moment, is providing higher rates of return than just about anything else. Also, real estate is an investment that most people can easily comprehend.

So, for the moment, the Miami housing market is likely to remain hot, and prices do not appear to be headed down anytime in the near future.

Marc Jablon, The Jablon Team
RE/MAX Complete Solutions

To find prices of currently available homes in Miami, go to:
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0 votes 10 answers Share Flag
Mon Apr 8, 2013
Nereida Figueroa answered:
Geodesic Dome House the view is Fantastic. (360 grades) No always at time of sale like to buyers. Last for ever in the market for sale. No too big some of them. Where you are thinking to do it. ... more
0 votes 5 answers Share Flag
Fri Jul 12, 2013
Meg Sahdala answered:
Dear Marisol, I work with Different banks and they have solutions even for clients with a very low credit score. Please contact me directly at
0 votes 9 answers Share Flag
Tue Apr 2, 2013
Pablo Torres answered:
Hello Beyersharon,

If you finance the property, you can pay monthly with your lender.

If you desire additional assistance, feel free to contact me.

Kind regards,

Pablo Torres, MBA
AF Realty, LLC
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0 votes 7 answers Share Flag
Wed Aug 19, 2015
Annette Lawrence answered:
Identify the brokerage with the highest number of average transactions PER AGENT for that office.
This number VALIDATES the training, infrastructure and systems work for the agents in that office. Meet your mentor who has agreed to get you started. Now, here is the hard part........
Follow the isntructions given. It is not rocket science.
Your goal is to start making money!
If you save too much money (your stated prime objective) you WILL be out of businesss before you begin. Do not let others tell you what is and is not 'proper' conduct for a real estate sales associate. You and only you can determine if you will walk through the open doors of opportunity. They are all around you. The seasoned eyes of many old timers only recognize the doors with their names on them.

Lastly, the more you know the greater will be your confidence. Each morning, prepare a report on a community. (MLS and Tax Records) Place those results in a spread sheet. You will find yourself refering to this data frequently for direction and decision making. You will find yourself demonstrating the confidence of one "Who really does know what is going on." Folks are more receptive to those who REALLY know.

Best of succes to you.
Annette Lawrnce, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
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0 votes 5 answers Share Flag
Fri Mar 29, 2013
Yanoska Diaz answered:
You can read area reviews right here on Trulia. In addition you can check online sites for the many Municipalities, Cities and Villages of Miami Dade County and Unincorporated Miami Dade. Visiting the area at different hours of the day on weekdays and weekends is also a very good idea. ... more
0 votes 16 answers Share Flag
Thu Apr 13, 2017
Alfredo Yaffe answered:
We have several Russian Speakers in our office.
You can contact Berdy Hanov 786 352 2954
Yaffe International Realty
0 votes 57 answers Share Flag
Wed Mar 27, 2013
Anthony Khouri answered:
Hi Rick
Call me I can help you find what u want
305 300 8540,
0 votes 18 answers Share Flag
Mon Mar 25, 2013
Ann Ryan answered:
$310K, but it is already under contract. It was a short sale, so probably a little below what the price should be.
0 votes 7 answers Share Flag
Sat Mar 23, 2013
Ann Ryan answered:
It depends. But I'd guess that Coconut beach would be the better investment in the long term. If you want, give me a call tomorrow and we can discuss why I think this is true.
0 votes 7 answers Share Flag
Wed Nov 30, 2016
Stephen McRory answered:
See programs below, then contact me to talk about how to minimize payments and reduce out of pocket costs.

1) 100% LTV- VA / (VA Jumbo @ lower ltv)
2) 100% LTV- USDA/12 mo. into Chapter 13 BK…OK Too
3) 99% LTV- FHA / (FHA to 580 score @ lower ltv)

4) 97% LTV- No monthly MI-No FHA 1.75% Fee
5) 95% LTV- CONDO
6) 90% LTV- No PMI -2nd Home
7) 90% LTV- JUMBO w/cc
8) 85% LTV- No PMI - Super Jumbo
9) 80% LTV- Invest./Rental
10) 75% LTV- Foreign Nationals

--------STATED INCOME ALT up to Super Jumbo-----------
11) 80% LTV- FIX n’ FLIP Invest. Prop.
12) 75% LTV- Foreign Nationals
13) 75% CLTV- Short Sale, BK, Foreclosure Forgiveness
14) 70% LTV- Soft and Hard Money
16) COMMERCIAL PROGRAMS-available nationwide

Go to: WWW.PRO-OPTION-COM or call 888-662-4404

Steve McRory
Pro Option Mortgage/ Florida

Prior Service U.S. Marine Corps
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0 votes 10 answers Share Flag
Fri Oct 11, 2013
Stephen McRory answered:
YES, its always best to have an Attorney in your corner, especially if it can be paid for you!

Click here to see:

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0 votes 18 answers Share Flag
Sun Jun 23, 2013
Salman Ali answered:
Hey Morris,

Coral Gables, South Miami, Miami Beach, Doral, Palmetto Bay. You have a safe neighborhoods all over Miami. Let me know what sort of home you are looking for, and I would be able to assist you better. ... more
0 votes 21 answers Share Flag
Tue Mar 19, 2013
Louis Urbina answered:
Hi, it's your responsibitly to provide your lender with adequate documentation for them to qualify you for maximum within what your debt to income ratio.

It's also your responsibitly that after you've been approved for a loan or through the underwriting process you don't do anything that will disqualify you from that loan in order to close on X home. For example, stop paying a credit card, buying a new car, not paying student loan, etc.

I hope this helps, if you have any question please reach me at anytime.

Louis Urbina
Real Estate Consultant at EWM
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0 votes 4 answers Share Flag
Tue Mar 19, 2013
Nereida Figueroa answered:
Homeowner's Insurance is needed due to your lender is going ask you to insure your property. If you don't buy homeowner's insurance them no loan (required it all the time). If you paid all cash and no lender involved you can decided no to have it.

Bank/Lender need you to insure your property because, replacement costs.
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0 votes 10 answers Share Flag
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