By sehlert January 05, 2015
Good evening, The phone number 813-837-2483 is not a valid number. Please let me know the correct number to call as I have a friend who wants to buy a condo Conventional 20% down. I am wondering if owners have had any problems with Conventional refinances/purchases. Is it a warrantable or non-warrantable condo? scott.ehlert@nlcmortgageloans.com ...read more
By sehlert January 05, 2015
Good evening, The phone number 813-837-2483 is not a valid number. Please let me know the correct number to call as I have a friend who wants to buy a condo Conventional 20% down. I am wondering if owners have had any problems with Conventional refinances/purchases. Is it a warrantable or non-warrantable condo? scott.ehlert@nlcmortgageloans.com ...read more
By Anonymous July 26, 2014
This place is infested with coach roaches! Wake up to get a drink in the middle of the night and you will be kindly greeted by your 50 coach roach friends that you are ever so familiar seeing. There is coach roaches in the bedrooms, bathrooms, kitchen, living room, on the ceilings, in the drawers, and all Over the dishes, cups as well as the dish washer. This place is full of gangsters and drug dealers who spend their days hanging out in the apartment parking lot. The parking lots are infected with hoodlums just as bad as the apartments are infected with coach roaches. This place should be shut down. Counting the days until the lease expires ...read more
Call The Maniecki Pro Team at 800-993-8326Click Here to find how much your Tampa Bay Home is worth in Today's Market!When you're looking for a partner to help you negotiate the complexities of selling a home, you've come to the right place. The experience, dedication and strong communication you'll receive here will help ensure the successful and profitable sale of your home:1. The Local Advantage - Take advantage of a broad spectrum of technologies and tools to support the sale of your home from start to close.2. Internet Advertising - Since the lion's share of home buyers starts their search on the internet, top placement on search engines is essential. You'll gain access to placement on Google, MSNBC, and other websites. This will maximize your exposure and bring a large number of potential buyers to view information about your home.3. Email Campaigns - It's important to "work the network." We can work together to identify the right people to target your home-and get in touch with them by email to drive excitement and interest.4. Personal Touch - Of course, technology alone won't sell your home. Face-to-face interaction provides the advantage to sell your home-and you won't have to worry about a thing. The details will be handled with care and constant communication, to ensure the marketing and sale of your home go smoothly.Home Listing SyndicationYour home can be advertised on websites all across the web, making sure buyers see your home and everything it offers. Here are some of the national sites where your home will appear:To find out more about selling your home, click here ...read more
By The Maniecki Pro Team March 08, 2012
Experts are optimistic that Tampa Bay's housing market may have turned the corner. The worst may be over for Tampa Bay's housing market. ...read more
By Janice Caldwell, Realtor®,CHMS,CNS January 19, 2012
Earlier this year the Federal Housing Administration (FHA) Commissioner David Stevens announced policy changes to FHA guidelines. When asked to write this article the first question that came to mind is why now. If the average American bank account could make noise it would sound like the straw scraping the bottom of a McDonald's shake. The official answer is the new measures will help FHA better manage risk, while maintaining support for the housing market and access for underserved communities. Unofficially - in 1993 I was showing houses to a man who was emigrating here from a country of undisclosed origin. An avid people watcher, I asked him what he found the most striking in North American culture when compared to his own. He answered, "North Americans don't own anything and borrow everything." Then he asked, "Sheila, do you ever wonder what would happen if everyone borrowed to the maximum of their capability without having the resources to pay it back?" I thought about it and shrugged. I dismissed the idea as highly unlikely and never brought it to mind again, until now. The siege on the banking industry is nothing less then terrorism. The origin is not some foreign shore. Just like removing our shoes before boarding a plane thanks to the shoe-bomber. I am still nervously anticipating new requirements in the aftermath of the underwear bomber. The new FHA guidelines are the Government response to counter financial terrorism. 1) The Monthly Insurance Premium (MIP) has gone from 1.75% of the loan amount to 2.25% of the loan amount. The mortgage insurance on government insured loans is paid over the lifetime of the loan. Based on a 30 year amortization with a 5% rate, no points on the maximum FHA loan for the Tampa area ($272500) the difference in payment is less than $10 per month. 2) A new borrower's minimum FICO score will need to be 580 or more. Please note most buyer/borrowers will quote you their highest score, lenders on the other hand take their middle score reported by the three credit repositories. Buyer/borrowers with a middle score of less than 580 will still be considered, however, they will need a minimum down payment of 10% of the purchase price, still more favorable than the 20% down payment required on conventional loans. 3) The seller or third party concessions to the buyer/borrower will be reduced from 6% to 3%. We all know that third party concessions artificially inflate the value of a property, a risk that FHA can no longer afford. 4) FHA is seeking to make lenders more accountable for the FHA loans that they originate and underwrite. I like to think of this portion of the new guidelines as a ‘you break it, you buy it'. In other words, if a Bank either regionally or nationally breaks faith with FHA they jeopardize future FHA access, forfeit government (that's all tax paying Americans) insurance protection, requiring them to buy back bad loans. The changes are scheduled to take place sometime in the spring/summer time frame. FHA will be sure to announce more exact dates as the process develops.Sheila DesautelsBroker/Owner RE/MAX Top Notch Associates.813-855-2800 ...read more
By RE/MAX Top Notch Associates February 11, 2010
Whether you have bad credit, or are just unable to purchase a townhouse at the moment, a lease-to-own agreement allows you to occupy the townhouse while you pay rent and prepare for the purchase. As with any transaction, there are a number of aspects that must be considered before signing any agreemen... ...read more
Buying a mobile home is a less expensive alternative to a home. You can save a lot of money and have your home paid off in a lot less time. Looking for a mobile home to buy is a bit different from finding a traditional house, but it can be done easily. ...read more
