Feel fee to call me tomorrow at 813-352-6219. I can try to see what the problems with your new home are. It might just take some time for adjustment. Selling the house would incur cost for you and unless you got a great deal would probably cost you money out of pocket.
Sorry to hear about your bad experiences. When you look at homes, ask your Realtor for a seller's disclosure. If there is one you at least have a fair idea of what you are up against. As to square footage, tax records are close but not always accurate.
Genevieve Ramachandran... more
Yes. You can find properties that fit in your budget. I would be happy to help you find a home in Tampa. I work with many first time home buyers.
Please review my profile on Trulia and send me a message.
Prudential Tropical Realty... more
Here are some statistics I believe westchase is 33626. http://www.floridadreamloans.com/xSites/Mortgage/CharlesRutenbergRealtyInc/Content/UploadedFiles/market_watch_3rd_quarter_2008.pdf
# of sales increased slightly while avg. sale price dropped... more
Twin Branch attends Deer Park Elementary, Farnell Middle and Alonso High. It's a fairly safe area and does not have the cookie cutter feel like Westchase or Eastlake Woodlands and other neighboring developments. You will see residents riding horses through the neighborhood. This is a higher end neighborhood that most of the villages within Westchase.
If you're referencing the "active" short sale on Clydesdale, I know this property well as I helped my client sell it for $625k in 2005. That was before the kitchen was updated.
If you would like to see this property and you're not yet working with a Realtor, let me know and I'll show you what it has to offer. There is a separate apartment on the left side and it will need a little bit of renovation.
Here are the "active" listings in Twin Branch:
All the best,
Alma Rose Kee PA
Future Home Realty
I suggest explore at least 3 options, and preferably at least 1 mortgage broker, 1 mortgage loan officer who works for a bank, and also one that would work at a smaller direct mortgage lender (not a broker, and not a bank, just a mortgage lender who arranges loans and sells them afterwards - usually to the banks)... it wouldn't be a bad idea if you had the time to interview up to 6. That way you can get a feel for how each does business, because not every mortgage broker is the same as another mortgage broker, etc.
You'll want to ask what the pre-approval process entails and how long it takes. Will the underwriter who will be allowing your loan to close be the person reviewing your file as part of that process? Will it just be the loan officer reviewing your information? Will they even ask you for documentation?
You'll also want to ask what types of programs they offer, and once your documentation has been thoroughly examined you'd want to get what options would then apply to you, as well as ask what your loan officer thinks would be the best loan program for your situation. Ask about the other program that would be 2nd best (as if the first one didn't exist), so you can realize why the loan you are being suggested would be the best.
You'll want to ask what type of fees & costs you could expect to incur along the way (credit report, earnest money deposit, home inspection, appraisal fee, lender & 3rd party closing costs, etc.), how much those costs are estimated to be, and when they are expected to be paid (at the time the service is performed, at closing, etc). You'll want to ask how much of a down payment you'll need, and if you have to provide it or if a family member or relative can gift it to you. You'll want to know how much extra money you would need to have beyond those costs & down payment, which are called "reserves" (ie. 2 months of reserves = 2 times your proposed housing payment), some programs don't need them but a lot do. You should also consider yourself how much you want to have on hand after you close on the home, it will vary depending on your comfort level but personally I feel at least 6 times the proposed housing payment is a safe plan.
You'll also want to ask what type of loan terms can they offer you if you were to lock in your interest rate today (you should ask all lenders you are considering this question on the same day so you can have an exact comparison, as interest rates fluctuate day-to-date and even can be intraday).
You should also ask when & how they will be available - are you someone who likes to discuss things after the normal work hours on the phone? In person on a Saturday? Through email? Someone where or not where you live?
There are more variables to think of, some will have greater importance to you and others will not, however I truly believe that you will have a feeling of pure comfort inside of you when you have found the loan officer who will be the perfect fit. You will leave the conversation having a full understanding of the road ahead and what is expected of you, as well as you'll feel the loan officer has left no stone unturned when going over your situation, listening to and addressing your needs.... more
Typically the total sq ft comes from the assessors office. And sometimes they are not the best at measuring.
On most MLS sheet and listing info it will state "Square Footage taken from Intax, measurements are approximate" or "Total sq.ft. est., buyer to verify if important" are some examples.
After the fact there is not much you can do.
Hope this helps... more
You certainly will and need to tell your loan iofficer your job status, most loans do have a minimum length you need to be on the job to quailify, some loans will waive that if you are stayiong in the same field and making as much if noty more than the last job. It is better to be up front to know what you need to do to stay quailified, you certainly should have hung in that job until after you bought a house to make it easier.
Please see my blog for tips and advice on getting a mortgage... more
I am a Realtor in Wisconsin , part of Shorewest Realtors, the states largest Real Estate Offices.
I belong to the National relocation, and referral network, and If you would like to answer a few questions, I can get you connected with a professional in the area that you want to live, and someone that has the experience you need. I handle short sales myself, so I know what you mean when you ask that question.
Short Sales are NOT for all agents nor are they a good fit for Many Buyers.
Let me know if you'd like my assistance, and good luck on your House Hunting! :)
Shorewest Realtors... more
Are you working with a lender? They should be able to identify such resources for you. If not...maybe you should explore your options.
Disclaimer: I am a licensed real estate broker and property/casualty insurance agent in the State of Ohio, providing information and sharing experiences acquired over 15 years in the industries. I do not profess to be qualified to give advice in any other field, though will share opinions and information obtained during my course of work. It is always highly recommended that consumers seek counsel from a specialist in each area in which there is a question or concern.... more
I am not sure why you are being told such conflicitng information about your VA loan and inspection. When the governemt insures a loan on a property, they want to make sure that there are no health or safety issues with a home. Along with that, they want to make sure that the home has working appliances. Stains on carpet are not health issues so that's not going to be a problem. Of course they may want you to have appliances in the home you are buying but that can be done after the close as well with an escrow holdback.
It's possible that your agent had a problem with a VA purchase a while back and is just wanting to make the process smooth and avoid any pitfalls that arise. I doubt that you will see such difficulties if that is the home you ultimately choose.
If you have any questions, please let me know.
Apply Online @ flagstarloans.com/lallison... more