Follow link to the left for some great Tampa foreclosures & steals! **Use free MLS search button to the left to see all current Tampa area listings. This service lists all homes for sale, regardless of which broker is listing the property & I can sell it.** Better yet, contact me so that I can set up a search for you- never an obligation! See Fall 2009 Update Below! |  Always on your side!
TRUSTWORTHY: Buying or selling your home is entirely too important to rely on someone who you’re not sure if you can trust. You need someone on your side. Trust is the most important element of the way I do business. KNOWLEDGABLE: I worked as a teacher for many years and I believe very strongly that the best decisions are informed decisions. I clearly explain market conditions, contracts, financing and all other aspects of the real estate buying and selling process. NO PRESSURE: No hard sell from me ever. Your needs are my first priority and I always explain all of your options. I would be delighted to be entrusted with the privilege of helping you find your perfect home and being your advocate through the entire home-buying process and beyond. You need someone informed and honest on your side for such an important life choice. Please use my site for free mls search, up-to-date Tampa real estate news, and great advice for buyers and sellers. You can also take advantage of my free first response notifier for Tampa area homes for sale. Just enter your criteria and email, and you'll recieve an email of new listings even before they are posted on other sites like Realtor.com. Feel free to email or call with any of your real estate, mortgage, or community questions. Visit my site often! I am also fluent in English and Spanish, which gives me the benefit of being able to communicate comfortably to clients of both languages. Para Español, toque el botón a la izquierda. Fall 2009 Tampa Real Estate UpdateTax Credit has been extended AND expanded!! Read details here: Thankfully, the market is continuing to improve! Prices are still low, but they’ve stopped falling and more and more houses are going to contract every day! There are many great loan options and interest rates remain low! People who want to use an FHA loan only need 3.5% down and a new great option for that was just passed! See “Use the $8K Tax Credit Toward Your Down Payment” below. Another great opportunity is the USDA loan which allows for over 100% financing in certain areas most affected by this crisis where it’s believed that the equity growth will be steep upon recovery. One of the places where these loans are available is in Pasco County where buyers get the advantage of newer homes, lower prices and lower taxes as well. Florida existing home sales:
(month-to-previous-year comparison) UP 28% Florida existing condo sales:
(month-to-previous-year comparison) UP 45% For more relevant information for Tampa area real estate, follow any of the links below: Help! Foreclosures are Blighting Our Neighborhood! Will the $8000 Tax Credit Be Renewed? Use the $8000 Tax Credit as Your Down Payment or Finance 102% on USDA! Short Sales? Foreclosures? What’s the Skinny on Types of Home Sales? http://ezinearticles.com/?The-Skinny-on-Types-of-Home-Sales&id=2686302 Low Interest Rates Make More Difference than Many People Know! Current rates are hovering at an unbelievable 4.78%!! To put that into perspective: If you owe $200K on your home loan, and you were paying a comfortable 6.5% (historically, this is a LOW rate), your principal & interest payments would be $1264.16/month, when compared with the current 4.78% which yields principal & interest payments of $1046.91/month. That’s a savings of $217.25 each month and $78,210. over the life of the loan!! If you don’t yet own a home, these interest rates, together with foreclosure prices and the $8000. tax credit, make this an opportunity of a lifetime! If you do own a home with equity, then you also have the opportunity to take out a Home Equity Line of Credit (HELOC) with even lower rates than a first mortgage. This money could be used to buy a new home during this low market and rent the old as an investment, it can be used to buy investment properties, or it can even be used to give a child a down payment for a first real estate purchase. Help for Upside-down Home-owners It’s not easy, but even people who’ve been turned down for loan modification or refinancing several months ago, might now be eligible for loan modifications. Please beware! There are so many scams out there that you should always remember that anything that sounds too good probably is. You should also never give anyone money up front! There are several new pieces of legislation that are making it possible to refinance as much as 125% of a home’s value. If you’d like to learn more, get FREE help from federally certified counselors at 888-995-4673 or visit www.995hope. Two other reputable resources are: Short Sale is an Alternative! If you do not want to refinance or can’t refinance, but you can’t keep up with payments, a short sale is a far better alternative than a bankruptcy. A bankruptcy is not easily overlooked on your credit history. You DO NOT want one. A short sale, on the other hand, will show that you skipped payments, but will eventually show your mortgage as a SATISFIED LIEN. It will be far easier to recover your credit worthiness if you short sale. I’ve had customers and friends frantically put every other part of their finances in jeopardy in attempts to make payments as long as possible. I’ve seen people cash in IRA’s (and face insane tax penalties), liquidate other assets, max out credit cards and more, only to eventually run out of ways to hold on to a house that is completely upside down. In the end, they lose the house and find themselves in much greater financial peril. While the decision to short sale should not be taken lightly, don’t think that anyone will give you an award for trying so hard first. On the contrary, you can kill your credit and your assets and wind up far worse for your efforts. If you look at your resources realistically and weigh them against the cost of keeping your present home and come up short, you should act sooner rather than later. During the time that you are not paying your mortgage, you can save that money to help with the expense of moving and possibly even help settle other debts as well. If your short sale is handled well, there will not be too many months of payments that are missed before your debt is settled. It’s not what anyone hopes for, but it’s a decent fresh start. Not only will you be helping yourself, but you'll be helping your community by having one less home abandoned to foreclosure. If you think this might be the best option for you or someone you know, please contact me with the utmost confidence that you will be in honest, diligent, and competent care.
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