My wonderful new listing in Tampa Bay Golf and Country Club, a gated, 55+ community.
Watch video
http://www.youtube.com/watch?v=cs8HyblRu5Q
Friday, January 31, 2014
29244 PRINCEVILLE DR, SAN ANTONIO, FL
My wonderful new listing in Tampa Bay Golf and Country Club, a gated, 55+ community.
Watch video
http://www.youtube.com/watch?v=cs8HyblRu5Q
Friday, October 11, 2013
5 WAYS THE GOVERNMENT SHUTDOWN IS AFFECTING THE HOUSEING MARKET?
1
Interest Rates - We are seeing rates move downward for the 3rd
straight week. That is a good thing.
2 FHA - is shut down for mortgages, so you can’t get a case number to start the process and order the appraisal. This is also causing delays in closing with loans that are already in process. Not good.
3 VA - is also shut down for mortgages. Not good.
4 Income and identity verification - For any mortgage there must be Social Security verification as well as one year IRS taxes verified by 4506T forms from the IRS. IRS is shut down so that is not going to happen. Not good.
5 Uncertainty is making some homeowners delay putting their home on the market and some buyers unsure of making an offer on a house right now.
So even though the interest rates are going down, there will be challenges with completing the mortgage process, until the shutdown is over. Meanwhile there are fewer homes going on the market and fewer buyers making offers.
For more DeeSmith@DeeSmith.com 813-714-9737 cell
Thursday, May 30, 2013
Wesley Chapel, FL - Buying a New Home?
Buying a new home?
Make sure you register your Realtor at the New Home Builders when you go.
There are many benefits, such as incentives they give to the Realtors for their buyers, knowledge of re-sale value on different builders, areas, lots, plans, etc., new communities that are opening in the area, and more.
Buyers who use their Realtor when dealing with the New Home Builders make better decisions and are happier with their choices after the sale. Also, it doesn’t cost you anything to keep your Realtor/advisor as a part of your New Home Buying Experience. The commission that is paid to the Realtor is not a negotiable part of the price of the home. In other words, you pay for a Realtor whether you use one, or not. So why not have that wealth of knowledge your Realtor has on your side.
Always rely heavily on your Realtors’ knowledge of the area, if you are moving from another area. Make sure you have a quality Realtor you are working with. Always discuss everything with them before making a decision.
For more information go to http://www.DeeSmith.com, email deesmith@deesmith.com, call or text 813-714-9737
Make sure you register your Realtor at the New Home Builders when you go.
There are many benefits, such as incentives they give to the Realtors for their buyers, knowledge of re-sale value on different builders, areas, lots, plans, etc., new communities that are opening in the area, and more.
Buyers who use their Realtor when dealing with the New Home Builders make better decisions and are happier with their choices after the sale. Also, it doesn’t cost you anything to keep your Realtor/advisor as a part of your New Home Buying Experience. The commission that is paid to the Realtor is not a negotiable part of the price of the home. In other words, you pay for a Realtor whether you use one, or not. So why not have that wealth of knowledge your Realtor has on your side.
Always rely heavily on your Realtors’ knowledge of the area, if you are moving from another area. Make sure you have a quality Realtor you are working with. Always discuss everything with them before making a decision.
For more information go to http://www.DeeSmith.com, email deesmith@deesmith.com, call or text 813-714-9737
Wednesday, December 26, 2012
NEED TO SELL AND OWE TOO MUCH?
OPTIONS YOU HAVE WHEN YOU MUST SELL AND YOU OWE MORE THAN THE PROPERTY IS WORTH.
BRING MONEY to the closing to make up the difference – By far the best and quickest way to go if you can manage it, and worth the money. If you have the money, the bank will know, because you have to send them your bank statements, and after waiting months on a short sale, you may still need to pay the bank some or all of the difference. A normal sale will produce a higher selling price and a quicker sale saving you time and money.
OUTCOME: No future tax, credit, or legal problems.
SHORT SALE – Make sure your Realtor is successful in this area, has SFR and CDPE designations and has testimonials and referrals. Talk to your CPA about tax issues. OUTCOME: Possible future tax and legal issues, and/or wage garnishment if not handled properly. You could still unknowingly owe the difference if not handled properly. Or, if handled properly, NO tax issues, legal issues, credit issues, or wage garnishment. The experience of the Realtor handling the short sale is the critical key. See Testimonial on www.DeeSmith.com
FORECLOSURE – Stop paying your mortgage, and do nothing.
OUTCOME: Surety of future legal issues, tax issues, credit issues, and/or wage garnishment.
DEED IN LIEU OF FROCLOSURE – you must negotiate your own satlisfaction of mortgage. OUTCOME: Possible legal issues, tax issues, credit issues and/or wage garnishment.
BANKRUPTCY – speak with a bankruptcy attorney. Every bankruptcy is different. This takes a long time.
OUTCOME: still may have some long term tax, credit, legal issues and/or wage garnishment. Ask bankruptcy attorney about future issues and get the answers in writing so you can remember what was said. Or take notes. Bankruptcy goes on for years and affects every aspect of your life. This should be your last resort.
IF YOU CHOOSE SHORT SALE - BE SURE YOU HAVE AN EXPERIENCED, SUCCESSFUL SHORT SALE SPECIALIST WITH CDPE AND SFR DESIGNATIONS, AND CAN SUPPLY REFERRALS & TESTIMONIALS.
For more information go to http://www.DeeSmith.com, email deesmith@deesmith.com or text 813-714-9737
BRING MONEY to the closing to make up the difference – By far the best and quickest way to go if you can manage it, and worth the money. If you have the money, the bank will know, because you have to send them your bank statements, and after waiting months on a short sale, you may still need to pay the bank some or all of the difference. A normal sale will produce a higher selling price and a quicker sale saving you time and money.
OUTCOME: No future tax, credit, or legal problems.
SHORT SALE – Make sure your Realtor is successful in this area, has SFR and CDPE designations and has testimonials and referrals. Talk to your CPA about tax issues. OUTCOME: Possible future tax and legal issues, and/or wage garnishment if not handled properly. You could still unknowingly owe the difference if not handled properly. Or, if handled properly, NO tax issues, legal issues, credit issues, or wage garnishment. The experience of the Realtor handling the short sale is the critical key. See Testimonial on www.DeeSmith.com
FORECLOSURE – Stop paying your mortgage, and do nothing.
OUTCOME: Surety of future legal issues, tax issues, credit issues, and/or wage garnishment.
DEED IN LIEU OF FROCLOSURE – you must negotiate your own satlisfaction of mortgage. OUTCOME: Possible legal issues, tax issues, credit issues and/or wage garnishment.
BANKRUPTCY – speak with a bankruptcy attorney. Every bankruptcy is different. This takes a long time.
OUTCOME: still may have some long term tax, credit, legal issues and/or wage garnishment. Ask bankruptcy attorney about future issues and get the answers in writing so you can remember what was said. Or take notes. Bankruptcy goes on for years and affects every aspect of your life. This should be your last resort.
IF YOU CHOOSE SHORT SALE - BE SURE YOU HAVE AN EXPERIENCED, SUCCESSFUL SHORT SALE SPECIALIST WITH CDPE AND SFR DESIGNATIONS, AND CAN SUPPLY REFERRALS & TESTIMONIALS.
For more information go to http://www.DeeSmith.com, email deesmith@deesmith.com or text 813-714-9737
Tuesday, July 3, 2012
DO YOU QUALIFY FOR A SHORT SALE?
DO YOU QUALIFY FOR A SHORT SALE.
Since the recent lawsuit settlement between the 5 major banks(Ally, Bank of America, Chase, CitiBank, Wells Fargo) and the government (Federal as well as 49 states), the major banks have indicated that they plan to go forward more quickly with foreclosures on borrowers who are behind on their payments. However, the settlement states they cannot foreclose on you AND attempt to do a short sale or loan modification AT THE SAME TIME. If you are behind on your mortgage, you need to contact a Short Sale Specialist and get your home on the market ASAP to avoid a foreclosure, or start a loan modification.
WHY NOT JUST LET IT GO? Foreclosure has a great adverse effects on your future credit, and many other aspects… forever! Foreclosure can affect your present job security as well as future job opportunities, insurance rates, and future credit opportunities. With a Foreclosure you are still reponsible for the balance of your mortgage not paid off by the bank's sale of your home, and they can come after you for that balance for years to come, even garnish your wages. Foreclosure never goes away. Short sales usually go away in a matter of months.
Your Short Sale Specialist can secure a satisfaction of mortgage, so there is no future wage garnishment. We have helped many families put this nightmare behind them and move on with their lives. http:www.DeeSmith.com click on Testimonials
NOT BEHIND ON PAYMENTS AND NEED TO MOVE. You don't want to ruin your credit. A short Sale Specialist can most times manage a short sale without getting you behind on your payments, thereby not damaging your credit. Consult with a Short Sale Specialist to see if your mortgage qualifies.
LIFE AFTER SHORT SALES. You can then go on to buy another home within a few months after their short sale closes. Short Sale Specialists have resources to help you get your credit back in shape, and go on with your life.
SHORT SALE FLIPS? THEY ARE ILLEGAL. Beware of anyone who approaches you and says they will buy your property and short sale it. IT IS A SCAM! Do not sign a power of attorney. Do not sign over your deed to anyone. Do not sign a contract to sell to someone who will then find a buyer before you close. You can lose your home and still be financially responsible for the entire mortgage balance.
For more go to www.DeeSmith.com, email deesmith@deesmith.com or text 813-714-9737
Since the recent lawsuit settlement between the 5 major banks(Ally, Bank of America, Chase, CitiBank, Wells Fargo) and the government (Federal as well as 49 states), the major banks have indicated that they plan to go forward more quickly with foreclosures on borrowers who are behind on their payments. However, the settlement states they cannot foreclose on you AND attempt to do a short sale or loan modification AT THE SAME TIME. If you are behind on your mortgage, you need to contact a Short Sale Specialist and get your home on the market ASAP to avoid a foreclosure, or start a loan modification.
WHY NOT JUST LET IT GO? Foreclosure has a great adverse effects on your future credit, and many other aspects… forever! Foreclosure can affect your present job security as well as future job opportunities, insurance rates, and future credit opportunities. With a Foreclosure you are still reponsible for the balance of your mortgage not paid off by the bank's sale of your home, and they can come after you for that balance for years to come, even garnish your wages. Foreclosure never goes away. Short sales usually go away in a matter of months.
Your Short Sale Specialist can secure a satisfaction of mortgage, so there is no future wage garnishment. We have helped many families put this nightmare behind them and move on with their lives. http:www.DeeSmith.com click on Testimonials
NOT BEHIND ON PAYMENTS AND NEED TO MOVE. You don't want to ruin your credit. A short Sale Specialist can most times manage a short sale without getting you behind on your payments, thereby not damaging your credit. Consult with a Short Sale Specialist to see if your mortgage qualifies.
LIFE AFTER SHORT SALES. You can then go on to buy another home within a few months after their short sale closes. Short Sale Specialists have resources to help you get your credit back in shape, and go on with your life.
SHORT SALE FLIPS? THEY ARE ILLEGAL. Beware of anyone who approaches you and says they will buy your property and short sale it. IT IS A SCAM! Do not sign a power of attorney. Do not sign over your deed to anyone. Do not sign a contract to sell to someone who will then find a buyer before you close. You can lose your home and still be financially responsible for the entire mortgage balance.
For more go to www.DeeSmith.com, email deesmith@deesmith.com or text 813-714-9737
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