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Home Buying in Winter Haven : Real Estate Advice

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  • Home Buying51
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Activity 26
Tue Jul 21, 2015
Dan Tabit answered:
Paula,
Have you met with a lender and qualified for USDA? There are location and income limitations for this program. Your first step is to make sure you earn enough, but not too much to qualify. Then learn the areas where the program is available. Finally, a great local agent can set up a search and help you find the perfect home that meets the program guidelines as well as most of your wish list.
The pro's of USDA is no down payment. The con's are qualifying, liking the locations where the homes are and potentially waiting longer for a closing than with other loan products.
Make sure your lender not only has USDA available, but closes them on a frequent basis.
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Mon Jan 21, 2013
Dan & Barbara Hughey asked:
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This question was asked from this property: http://www.trulia.com/property/3106498536-7707-Waterview-Way-Winter-Haven-FL-33884?ecampaign=con_day_post_lead_welcome_fr&eurl=www.tru...
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Sat Nov 3, 2012
David D'Agostino answered:
Lake Lulu is behind the former Cleveland Indians spring training facilities. The lake sits somewhat lower than the land around it. I don't have any statistics. But, it seems that the likelihood of any flooding would be a non issue. Besides, there is a canal connected telling me it is one of the lakes on the chain of lakes. This offers control by authorities to adjust lake water levels. If I get any statistic I will make it public. ... more
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Fri Mar 15, 2013
Tim Moore answered:
Depends on what you are calling a foreclosure. Most people incorrectly use the term to mean a house that has gone through a foreclosure and is now owned by the bank. Bank owned home or REO home are the correct terms for these. A true foreclosed home goes to an auction at the courthouse where the buyer needs cash to buy it and so the bank is the usual buyer. Once they own it they can then sell it and they will do some investigation and appraisals to determine the value. Then they get around to listing it for sale with a Realtor which is when you can buy it. The bank usually discounts it so getting a lot below listed price is not often common, but a good experienced Realtor will be able to guide you. You must get prequalified by a lender and have a letter form them saying that they feel you could get a loan to be able to buy it. A prequalification is free and simple and is different than a pre approval. ... more
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Fri Jun 22, 2012
Kevin Tison answered:
5945 and 5942 were just over 1/4 +/- acre. 5942 was not found on my search.
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Sun Oct 30, 2011
Anna M Brocco answered:
Since no link is visible, either contact the listing agent, or any local agent/realty office can also help, they all have access to the same information, or if you know who management is, contact them directly. ... more
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Thu Feb 24, 2011
Nathan Tutas answered:
Hi Tabetha,

I'd be glad to help if you haven't found someone else already. My farm area is Haines City, Winter Haven, and Davenport. Just let me know. Have a great day.

Nathan Tutas ... more
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Sat Feb 19, 2011
Jane.Sweetpea.Sasinek, CHMS,CRS,SFR,SRES answered:
It sounds like it is a bank owned property. It's hard to answer your question without any details about the situation. Many title companies that work for the banks that have foreclosed homes are overwhelmed and seem to not have all their "ducks in a row", causing major issues with closings. We are currently having major issues with an out of town title company right now that has us all scratching our heads. Our buyer were to have closed by the end of Dec and it's almost March already! The buyers lender has their attorney involved and we're still having a difficult time with the title company...Long story.
It was just recently passed that now buyers have the right to choose a title company, instead of having to use the title company the bank is recommending-with extra fees paid by the buyers, but atleast it'll help eliminate the extra headaches. Hopefully yours will be resolved soon. Best of luck and wishes.
Jane "Sweetpea" Sasinek, Realtor, CRS, SFR, SRES Coldwell Banker Res.R.E. (863)241-9791
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Sat Nov 6, 2010
Bernard Scher asked:
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Wed Sep 8, 2010
Fran Rokicki answered:
If the home is listed, check with the agent. If it is not listed by a Realtor, then, check at the town hall. In the town clerk's office, you can find out who the current owner is and who holds liens against the property. The banks are so backed up with these types of files, that it does take them longer to come to a conclusion. Remember, the owner of the home, may be able to keep the home if he finds help, prior to the foreclosure. ... more
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Sun Feb 26, 2012
Bob McClure answered:
good evening...possibly... a ten year amortization...if for any reason you cannot qualify for it..then take a fifteen or thirty year, and pay the appropriate payment so the home is paid off in ten years..i would be happy to help you.best regards...bob mcclure- first preferred mortgage- southfield, michigan... ... more
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Sun Mar 28, 2010
Pat & Steve Pribisko answered:
You can ask any Realtor if the sale is complete. You could call the listing agent directly. Also, you can check on-line for the info by going to your local County Assessor's/Auditor's Web Site. ... more
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Fri Nov 20, 2009
Don Tepper answered:
I'm assuming you mean "gotchas" rather than "loopholes." Things to watch out for.

Here are a few things:

Check the financials. See if the condo is in good financial shape. Check the reserves and see if there are adequate reserves for budgeted expenses and unbudgeted items. And check to see whether any special assessments are scheduled, and how often special assessments have been used in the past.

Certainly check the home owner association rules. Sometimes they're reasonable; sometimes they're incredibly restrictive. Know what you're getting into. Seriously, read them. I really don't have much patience for buyers who attempt to, say, paint their condo bright red and then "discover" that there's an architectural review committee that has to approve such paint colors.

Find out the number of owner-occupants, versus the number of rental units. That can affect your ability to obtain a mortgage. It can also affect your ability to sell and, thus, your buyer's ability to obtain a mortgage.

If you're planning on renting out the condo, either full-time or part-time, find out what condo rules and regulations apply.

Talk to some of the condo owners. Ask them if they like living there. Ask them what they like most. Ask them what they like least. Ask them what they would change, if they could. You may uncover some interesting things.

Hope that helps.
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Thu Dec 17, 2009
Nancy Lee answered:
Yes, but they do get paid for their efforts. One of the most important things to remember in a trade is that you are trading equity not sales price. If you have a 200K home that you owe $100,000 on and want to trade for a $300K home that is paid for, you need to swap your home plus the $200 difference and you would add your realtors commission on to that figure that you need to finance. Hope this helps. I have assisted in many trades but always use an attorney to help with the documents. ... more
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Thu Jan 28, 2010
Amber Carrillo answered:
Short sales often take longer because of the paperwork and the back and forth that happens between lien holders. Patience and a pushy realtor will go a long way towards getting it done. As long as your realtor stays on top of it there is a possiblity of it getting done.
Good Luck
Saul Carrillo Realtor
It Homes
832-527-2268
seeitsold@gmail.com
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Fri Sep 4, 2009
Bryant Tutas answered:
Hi Marty, That's a very good question. My suggestion would be to ask whoever does your taxes. You can also find info here that may help http://www.federalhousingtaxcredit.com/2009/faq.php

Good luck to you.
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Fri Jul 24, 2009
Hannah Fliegel answered:
Hi Ginam,

Hang in there. You can be agressive and pull your offer or threaten to pull your offer if you do not hear back by a certain date. I think that patience is key here. If you are getting a good deal just wait. If you do not get this deal there is more inventory coming and you can try again. ... more
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Wed Jul 8, 2009
Ginam asked:
costs.The bank did the appraisal and got all info from seller & now we wait for negotiator (lender asked her for deadline to be on July 21st)We are also the only offer on this house rig...
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Thu Jun 4, 2009
The Stones - Michael and Deanna Stone answered:
Lisa,

Unfortunately, when dealing with bank-owned properties the bank will not accept an offer contingent upon the sale of another property. What property is it that you the interest in?

You can reply to my business e-mail: Michael.Stone@floridamoves.com
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Sun Jan 16, 2011
Donna Barron answered:
Hi Anna,
Thank you for your inquiry on 3344 Livingston Way. The HOA dues there is $224/ mo, Approx. half of it is the mainenance dues and pays for the upkeep of the common areas, the lawn (including each homeowner, painting of each home once every 4 years. The other half is for membership in the clubhouse. If you have never visted the clubhouse and are considering Traditions, you really should. It contains several common areas, huge dining room, movie theatre, dance studio, incredible workout room, library, arts and crafts room, card room, pool room, computer center. The pool area is just fantastic. The view from the pool is Ruby Lake. There are two fishing piers for residents, one with a gazebo and a boat ramp. At this time, Traditions does not have the right to launch boats in the lake, but that is in the works.
It is a beautiful place to live. Freedom to enjoy life is what it is all about there.
This listing on Livingston Way is a very nice home. Please contact me if you would like to see it.
Donna (863) 224-4263
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