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Land O' Lakes : Real Estate Advice

  • All57
  • Local Info2
  • Home Buying17
  • Home Selling1
  • Market Conditions1

Activity 14
Thu Nov 19, 2015
Daniel Barto answered:
Yes, there are several loans available with no or little down payment. However, there is certain criteria that needs to be met.
Check out my blog here on Trulia to learn more about the homepath program:

Or, follow the link below to the website to read more.

There is also, FHA which requires 3.5% down minimum or a USDA loan which allows for 0% down.
You can research each program to see if it fits your needs.

Best of luck finding your first home!

Danny Barto
Galleon Real Estate
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0 votes 6 answers Share Flag
Thu Feb 21, 2013
Ryan Kessell answered:
This will vary from property to property.
In this region of Florida, the seller normally selects the title company and pays the majority of the closing fees. If the property is located in community with a HOA “Homeowner’s Association”, there could be a transfer or initiation fee.

When I represent a buyer, I contact the title company and request a estimated closing statement called a HUD1. This will break down all the fees associated with closing and show what fees are being paid by each party.

Hopefully this helps :)

Thank you,

Ryan Kessell, REALTOR®
Certified Distressed Property Expert®

Phone: (813)786-4252
Fax: (727)230-7517

Charles Rutenberg Realty
1545 S. Belcher Rd.
Clearwater, FL 33764
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Wed May 15, 2013
Dan Tabit answered:
The vast majority of buyers are using agents to assist them and look out for their interests. If your home is not listed in the local MLS it's lost amidst a sea of other postings and no agents are sending it to their buyers. Your visibility, despite your efforts may be 10% of what a properly listed home would be.
Next, buyer's who are willing to work with FSBO's (for sale by owners) want to save themselves the commission too. If you save yourself money, how can they save themselves any money? Something has to give.
The truth is, a well presented, well marketed, easy to see and appropriately priced home will sell quickly and for the highest possible price. By cutting back on marketing, you're not getting any showings to schedule, let alone an offer to negotiate.
Please, take some time to find an outstanding local agent. A good agent is worth more than their commission, but a bad one or none at all can cost you in ways beyond just a commission. Save yourself real time and money and hire a real pro. Best of luck.
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Mon Dec 30, 2013
Alma Kee answered:
Be VERY careful when renting from an individual. You MUST do a check to verify they are the true owner and that they do not owe substantially more than the property is worth because you will run the risk of the house becoming a Short Sale. It's not fun to have to allow Realtors in to show the house to potential buyers on a short sale. Also if the landlord is in financial difficulty then you may have trouble collecting your deposit and also if the A/C or Heater breaks he may not have the money to make repairs!

If your credit is ok but you lack the downpayment, we have State of Florida bond money that can get you up to $7,500. Pasco County also has downpayment money and you may even be able to buy a house with a half price mortgage (the other half pays no interest).

Contact me for further info.

All the best,
Alma Rose Kee, PA
Future Home Realty
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Tue Nov 6, 2012
Julie Rosenthal answered:
Hi, Barbara,
See for all listed properties. Julie Rosenthal Broker (561)827-6789 Property Brokers Intl
0 votes 1 answer Share Flag
Fri May 17, 2013
Lisa Gandy answered:
As a home seller, you would. There are some exceptions, mostly in distressed sale situations.
0 votes 8 answers Share Flag
Sun May 12, 2013
Alma Kee answered:
See if you can get a refinance, check out the programs here:

Hope you can!

All the best,
Alma Rose Kee, PA
Future Home Realty
0 votes 2 answers Share Flag
Thu Aug 16, 2012
Karen Hernandez answered:
Hi Melodie - What area are you looking to buy your new home in? Let me know I can help. You can call or email me directly! Karen
0 votes 2 answers Share Flag
Fri Feb 15, 2013
Alma Kee answered:
Hi Kim,

As you probably already know, nice rentals go FAST.

You have to be very careful about renting from an individual owner because there are many that are in pre-foreclosure status and you may have to move soon. Also your deposit may be difficult to collect.

So, if you are just renting "temporarily" until you are in a position to buy, you may want to consider renting in an apartment complex.

If you have sufficient credit and income and just need downpayment money to buy, the State of Florida has bond money and you can get up to $7,500 to buy a house. Nowadays it's usually cheaper to buy than rent a house--especially in LOL or Lutz.

If you have other credit issues that prevent you from buying right now, there is the NACA purchase program:

Also my tenant recently had a short sale and bankruptcy but was able to buy a home only 3 months after the short sale with a mortgage from GTE credit union:

If you decide to go ahead and rent from an owner, it's not unreasonable for you to ask for recent copy of the mortgage to be sure the landlord is up-to-date before handing over any money!

All the best,
Alma Kee
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Tue Nov 15, 2011
Ashley Mitchell answered:
My advice to you would be to speak with a trusted local loan officer. The magic number in lending these days is 640. More then likely you will need to build and/or repair your credit. Many lenders are now working closely with credit council and repair people. They can give you great advice on how to manage your credit repair to maximize your credit score. There is a possibility you could find some private money, however you would pay a very high interest rate. ... more
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Mon Aug 27, 2012
Thomas Bohlmann answered:

The best way is to CALL and SPEAK to a loan officer or local mortage broker.

Good clean credit, good job history are the starting points

Good Luck to you
0 votes 6 answers Share Flag
Sat Sep 17, 2011
Mikel DeFrancesco answered:

You should interview several competent local Realtors, paying special attention to their experience and marketing plan. Anyone who gives you a " quote " site unseen has probably disqualified themselves as a professional worthy of entering into a contract with.

Some businesses like Real Estate will just never become a clearing house / commodtiy type sale.. just ask
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Tue Jul 9, 2013
Lisa Reeves answered:
A log of subsidence - land activity - is kept with the property appraisers office. Whether they keep the report, I am unsure. If the property was fixed then the permits office would have a copy of the report with the permit request or at least the engineer who did the work. The engineer may keep a copy of the report for their records. ... more
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Mon May 16, 2011
x answered:
I would be happy to help you! Please email me at or call me at 727-967-4599..
Rose Vasilakis
Future Home Realty
0 votes 3 answers Share Flag
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