Tuesday, September 22, 2015
Wednesday, June 10, 2015
13318 JAUDON RANCH RD, DOVER, FL 33527
13318 JAUDON RANCH RD, DOVER, FL 33527
Custom Built Executive style home located in the highly desired community of Jaudon Ranch Estates. This Impressive custom home is situated on over an acre lot and has mature, plush manicured landscape. As you pull in the circular drive way, the Mediterranean style home with a tile roof exudes pure elegance. As you enter the home through the double doors with Imperial French antique glass, you can not miss the chandelier to fit a king's castle. As you walk through the foyer you will notice a large formal dining room which is surrounded by Poles. The hall way to the master bedroom has been hand painted with faua finish. There is oval double door entrance to the master bedroom. The master bedrooms boast his and hers walk in closets, a sitting room and a beautiful well designed stylish master bathroom. The breakfast nook has double pane bay windows which provides a view to the manicured landscape. THE INCREDIBLE KITCHEN WITH TOP OF THE LINE STAINLESS APPLIANCES,GRANITE,OVERSIZED ISLAND,UPGRADED SOLID WOOD CABINETRY,**Truly a Gourmet Chef's Kitchen** Incredible GREAT ROOM with Magnificent Wall-to-Wall Built-In EntertainmentCenter/Book Shelves/Storage - DOUBLE SET OF FRENCH that leads to the patio which has a built kitchen. The home also has surround sound and an intercom system. This will not last long.
Ainsley Daux
Florida Realty
Premier Real Estate Group
Dover Florida Real Estate
Tampa Bay Real Estate
Brandon Florida Real Estate
813-546-1954
Custom Built Executive style home located in the highly desired community of Jaudon Ranch Estates. This Impressive custom home is situated on over an acre lot and has mature, plush manicured landscape. As you pull in the circular drive way, the Mediterranean style home with a tile roof exudes pure elegance. As you enter the home through the double doors with Imperial French antique glass, you can not miss the chandelier to fit a king's castle. As you walk through the foyer you will notice a large formal dining room which is surrounded by Poles. The hall way to the master bedroom has been hand painted with faua finish. There is oval double door entrance to the master bedroom. The master bedrooms boast his and hers walk in closets, a sitting room and a beautiful well designed stylish master bathroom. The breakfast nook has double pane bay windows which provides a view to the manicured landscape. THE INCREDIBLE KITCHEN WITH TOP OF THE LINE STAINLESS APPLIANCES,GRANITE,OVERSIZED ISLAND,UPGRADED SOLID WOOD CABINETRY,**Truly a Gourmet Chef's Kitchen** Incredible GREAT ROOM with Magnificent Wall-to-Wall Built-In EntertainmentCenter/Book Shelves/Storage - DOUBLE SET OF FRENCH that leads to the patio which has a built kitchen. The home also has surround sound and an intercom system. This will not last long.
Ainsley Daux
Florida Realty
Premier Real Estate Group
Dover Florida Real Estate
Tampa Bay Real Estate
Brandon Florida Real Estate
813-546-1954
Saturday, June 6, 2015
Thursday, May 14, 2015
New Rules and Regulations of the Consumer Financial Protection Bureau as of August 1, 2015
New Rules and Regulations of the
Consumer Financial Protection Bureau as of August 1, 2015
By: Mercedes Hale and Cristen Messina
ESQ.
A new mortgage disclosure rule will become effective
on August 1, 2015.
The new rule is believed to solely affect lenders and
closing agents, but the agents do not realize how the changes will impact their
practices starting August 1, 2015.
The following are some changes that will be in effect:
· The Good
Faith Estimate and Initial TILA disclosure will no longer be used.
· A combined
Loan Estimate Form will replace the above forms.
· The HUD-1
Settlement Statement and the final TILA forms will be replaced by a single
Closing Disclosure Form. (Must be given to borrower at least three days prior
to the closing)
· Closing
timing will be impacted: borrowers have
3 days after receiving the disclosure to review contents.
· Disclosure
of title fees will change.
· New Closing
Disclosure will not have line numbers and instead, will have the fees and
charges included in seven areas.
· The Real
Estate Agent will be able to walk the buyers/sellers through the all the
charges on the Closing Disclosure.
4 Ways for Realtors can prepare for changes
1. Learn as
much as possible about the CFPB rules and new forms.
2. Meet with
lenders and learn about the more stringent underwriting requirements.
3. Meet with
the closing agents now and find out how they are preparing for the new changes.
4. Realtors
must be proactive from the beginning of the transaction and prepare for the
changes ahead of time.
Ainsley Daux
Florida Realty
813-546-1954
Dover FLorida Real Estate
Thursday, April 16, 2015
NEW LISTIN"""""""HUD HOME"""""OVER 1 ACRE""""""
NEW HUD LISTING in DOVER FLORIDA
15143 Caruthers Road Dover, FL, 33527
Bank Owned Home
HUD/HOME
Owner Occupants
This will not last long.
This home is situated in a convenient location, built in 1973 it boast 3 bedrooms, 2 bathrooms, over 1400 sq ft, open floor plan, tile floors ,a big lot and much much more.
Some work needed
Please call or email to see this home today.
Thank you,
Ainsley Daux
Florida Realty
813-546-1954
Dover Florida Real Estate
Tampa Bay Real Estate
HOUSING EDUCATION ALLIANCE
A
HUD CERTIFIED HOUSING COUNSELING AGENCY
The agency
was founded in 2002. It provided
culturally sensitive bilingual housing counseling services for our
community. The founder and executive
director is Sylvia Alvarez.
First
Time Home Buyer Classes
HEA
certifies First Time Home Buyers through attendance at a live, eight hour,
instructor-led class. The participants
learn the fundamentals of the home buying process. Some topics that are covered are: understanding credit and reading a credit
report, repairing credit, choosing and working with a lender and the mortgage
process. Also, understanding mortgage
terms and conditions, choosing a realtor and selecting the right home for you,
and the closing documents and what to expect at the closing.
Foreclosure
Prevention
All
foreclosure prevention services are free of charge no matter the length of time
required to reach a final conclusion.
Housing
Counseling
The goal is
to provide participants with the tools for household financial management and
budget enabling them to make informed decisions in the home purchasing process.
Financial
Literacy
The class
educates young adults and adults on financial matters, banking, goal setting,
budgeting, and understanding credit. The
project will engage the participants with fun and age appropriate classroom
exercises as well as online financial games that will help them develop good
behaviors and life skills.
The HEA has
delivered more than 400,000 hours of education and one-on-one counseling to
over 29,000 families and/or individuals on the subject of financial literacy
and the home buying process.
Ainsley Daux
Florida Realty
(813)546-1954
Dover Florida Real Estate
Tampa Bay Real Estate
Tuesday, February 24, 2015
City of Tampa Home Buyer Education and Down Payment Assistance
City of Tampa Home Buyer Education
and Down Payment Assistance
The City of Tampa’s Housing and Community Development
Division (HCD), through its Housing Counseling Agency partners, will be
providing Home Buyer Education classes (English and Spanish), Home Buyer
Counseling Services and Down Payment Assistance for qualified home buyers. To participate, contact any of the following
housing counseling agencies to begin the process:
Participating Housing Counseling
Agencies
CDC of Tampa, Inc.
1907 E. Hillsborough Avenue
Tampa, Florida 33610
(813) 231-4362
Center for Affordable Homeownership
5301 W. Cypress St.
Tampa, FL. 33607
(813) 341-9101
Solita’s House
3101 E. 7th Ave.
Tampa, FL. 33605
(813) 425-4847
Tampa Bay CDC
2139 NE Coachman Rd.
Clearwater, FL. 33765
(727) 446-6222
Ainsley Daux
Florida Realty
(813) 546-1954
Dover Florida Real Estate
Tampa Bay Real Estate
Tampa Bay Short Sale
Brandon, Florida Real Estate
Tuesday, February 17, 2015
Dover Florida Real Estate
Dover, Florida Real Estate
Dover is an unincorporated census-designated place in Hillsborough County, Florida. Dover is located 24 miles east of Tama Bay Business district...Its conveniently located near I4 and I75, it is home to the beautiful lush Dover Park.
If you are planning to relocate to Dover, Florida do not hesitate to call me. Here are my listings in the Dover Area....
Thank you,
Ainsley Daux
Florida Realty
(813)435-3013
Dover Florida Real Estate
Tampa Bay Real Estate
Brandon Florida Real Estate
1505 RHODESWELL LN DOVER, 33527
13102 SARA ANNA CT, DOVER FL
Dover is an unincorporated census-designated place in Hillsborough County, Florida. Dover is located 24 miles east of Tama Bay Business district...Its conveniently located near I4 and I75, it is home to the beautiful lush Dover Park.
If you are planning to relocate to Dover, Florida do not hesitate to call me. Here are my listings in the Dover Area....
Thank you,
Ainsley Daux
Florida Realty
(813)435-3013
Dover Florida Real Estate
Tampa Bay Real Estate
Brandon Florida Real Estate
1505 RHODESWELL LN DOVER, 33527
13318 JAUDON RANCH RD DOVER, 33527
Monday, February 16, 2015
Tampa Bay Area Tops in Final Foreclosures
Area Tops in final foreclosures
(Information provided by Times Senior Correspondent: Susan Taylor Martin)
Tampa led all major U.S. metro areas in completed foreclosures last year. Lenders took back nearly 18,400 homes, houses, and condos, 5.3% more than in 2013.
The areas include Pinellas, Hillsborough, Pasco, and Hernando Counties. Tampa’s increase isn’t necessarily bad.
“The sooner we clear out these properties that are the result of the bust, the quicker the market can resume its upward turn,” said Irwin Wilensky, whose SunRaye Realty has listings for 200 bank owned homes throughout the area.
Foreclosures are considered complete when the property is sold at auction to the bank or an investor even though it might be weeks before the homeowner actually moves out.
Nationally, completed foreclosures in 2014 were at their lowest point since November 2007 when the housing market crashed.
Out of the 18,399 Tampa homes that went in to foreclosure auction last year, hundreds already have found new owners as demand and prices for bank owned properties climb.
Broker Peter Chicouris, whose Equity Realty handles foreclosures throughout Tampa stated, “The market has been very active.” “Most properties have more than one offer when they hit the market, and average days on the market are less than 30 days. This is across the board from low-end all the way up to $1 million.”
In Hillsborough County, 3,259 single-family homes that had been foreclosed sold last year. This is up 32% from the previous year. The median price rose 9%, to $109,000.
In Pinellas, sales were up 34%, from 2,891 to 3,875. The median price rose 8%, to $81,000.
Unlike a few years ago, when many foreclosures went on the market (some in deplorable shape), banks often rehabilitate the properties now before offering them for sale.
The goal is to attract buyers who intend to live in the house instead of renting it out or flipping it for a quick profit.
Ainsley Daux
Florida Realty
(813)546-1954
Dover Florida Real Estate
Brandon Florida Real Estate
Tampa Bay Real Estate
(Information provided by Times Senior Correspondent: Susan Taylor Martin)
Tampa led all major U.S. metro areas in completed foreclosures last year. Lenders took back nearly 18,400 homes, houses, and condos, 5.3% more than in 2013.
The areas include Pinellas, Hillsborough, Pasco, and Hernando Counties. Tampa’s increase isn’t necessarily bad.
“The sooner we clear out these properties that are the result of the bust, the quicker the market can resume its upward turn,” said Irwin Wilensky, whose SunRaye Realty has listings for 200 bank owned homes throughout the area.
Foreclosures are considered complete when the property is sold at auction to the bank or an investor even though it might be weeks before the homeowner actually moves out.
Nationally, completed foreclosures in 2014 were at their lowest point since November 2007 when the housing market crashed.
Out of the 18,399 Tampa homes that went in to foreclosure auction last year, hundreds already have found new owners as demand and prices for bank owned properties climb.
Broker Peter Chicouris, whose Equity Realty handles foreclosures throughout Tampa stated, “The market has been very active.” “Most properties have more than one offer when they hit the market, and average days on the market are less than 30 days. This is across the board from low-end all the way up to $1 million.”
In Hillsborough County, 3,259 single-family homes that had been foreclosed sold last year. This is up 32% from the previous year. The median price rose 9%, to $109,000.
In Pinellas, sales were up 34%, from 2,891 to 3,875. The median price rose 8%, to $81,000.
Unlike a few years ago, when many foreclosures went on the market (some in deplorable shape), banks often rehabilitate the properties now before offering them for sale.
The goal is to attract buyers who intend to live in the house instead of renting it out or flipping it for a quick profit.
Ainsley Daux
Florida Realty
(813)546-1954
Dover Florida Real Estate
Brandon Florida Real Estate
Tampa Bay Real Estate
DOVER, FLORIDA MANSION on 1.5 Acre LOT FOR SALE
Dover, Florida Mansion
Custom Built Executive style home located in the highly desired community of Jaudon Ranch Estates. This Impressive custom home is situated on over an acre lot and has mature, plush manicured landscape. As you pull in the circular drive way, the Mediterranean style home with a tile roof exudes pure elegance. As you enter the home through the double doors with Imperial French antique glass, you can not miss the chandelier to fit a king's castle. As you walk through the foyer you will notice a large formal dining room which is surrounded by Poles. The hall way to the master bedroom has been hand painted with faua finish. There is oval double door entrance to the master bedroom. The master bedrooms boast his and hers walk in closets, a sitting room and a beautiful well designed stylish master bathroom. The breakfast nook has double pane bay windows which provides a view to the manicured landscape. THE INCREDIBLE KITCHEN WITH TOP OF THE LINE STAINLESS APPLIANCES,GRANITE,OVERSIZED ISLAND,UPGRADED SOLID WOOD CABINETRY,**Truly a Gourmet Chef's Kitchen** Incredible GREAT ROOM with Magnificent Wall-to-Wall Built-In Entertainment Center/Book Shelves/Storage - DOUBLE SET OF FRENCH that leads to the patio which has a built kitchen. The home also has surround sound and an intercom system. This will not last long.
Ainsley Daux
Florida Realty
(813)435-3013
Dover Florida Real Estate
Thursday, February 12, 2015
Timeline to Reestablish your credit after a Foreclosure
Timeline to Reestablish your credit after a Foreclosure
Due to the economic and financial hardships that many people faced in 2009, they were forced to file bankruptcy, short sell their homes, and many just gave up and were foreclosed on.
Considering all of these situations, people were put in difficult positions when it came to their credit. Their credit ratings took a negative turn that affected their future home buying possibilities or anything involving credit scoring. The following information offers help for those who may have been in one of these situations:
Bankruptcy Chapter 7
The following loans can be obtained in certain amounts of time.
FHA Loan: 24 months
USDA Loan: 36 months
VA Loan: 24 months
Conventional Loan: 48 months
Bankruptcy Chapter 13
FHA Loan: 12 months has elapsed since BK. On time payments made while in Chapter 13, and written permission from the court to enter into a new mortgage.
USDA Loan: 36 months from discharge or dismissal
VA Loan: 12 months has elapsed since the BK. On time payments made while in Chapter 13, and written permission from the court to enter into a new mortgage.
Conventional Loan: Extenuating circumstances 24 months from dismissal or discharge date.
Foreclosure
FHA Loan: 36 months
USDA Loan: 36 months
VA Loan: 2 years, while exceptions on extenuating circumstances-can be less
Conventional Loan: 7 years
Short Sale
FHA Loan: 36 months
USDA Loan: 36 months
VA Loan: 2 years, with exceptions on extenuating circumstances-can be less
Conventional Loan: *2 years- 80% LTV, * 4 years- 90% LTV, *7 years-can follow standard guides
Re-Established Credit
FHA Loan: 3 trade lines open active for 24 months paid as agreed. No derogatory accounts since the event. 12 month verified residential NO late payments.
USDA Loan: 3 trade lines open active for 24 months paid as agreed. No derogatory accounts since the event. Must have a 24 months verifiable residential history NO late payments.
VA Loan: 3 trade lines open active for 24 months paid as agreed. No derogatory accounts since the event, 12 month verifiable residential NO late payments.
Conventional Loan: 3 trade lines open and active for 24 months paid as agreed. No derogatory accounts since the event. 12 month verifiable residential history NO late payments.
Ainsley Daux
Florida Realty
(813)546-1954
Serving the Tampa Bay Area
Dover Real Estate
Brandon Real Estate
Due to the economic and financial hardships that many people faced in 2009, they were forced to file bankruptcy, short sell their homes, and many just gave up and were foreclosed on.
Considering all of these situations, people were put in difficult positions when it came to their credit. Their credit ratings took a negative turn that affected their future home buying possibilities or anything involving credit scoring. The following information offers help for those who may have been in one of these situations:
Bankruptcy Chapter 7
The following loans can be obtained in certain amounts of time.
FHA Loan: 24 months
USDA Loan: 36 months
VA Loan: 24 months
Conventional Loan: 48 months
Bankruptcy Chapter 13
FHA Loan: 12 months has elapsed since BK. On time payments made while in Chapter 13, and written permission from the court to enter into a new mortgage.
USDA Loan: 36 months from discharge or dismissal
VA Loan: 12 months has elapsed since the BK. On time payments made while in Chapter 13, and written permission from the court to enter into a new mortgage.
Conventional Loan: Extenuating circumstances 24 months from dismissal or discharge date.
Foreclosure
FHA Loan: 36 months
USDA Loan: 36 months
VA Loan: 2 years, while exceptions on extenuating circumstances-can be less
Conventional Loan: 7 years
Short Sale
FHA Loan: 36 months
USDA Loan: 36 months
VA Loan: 2 years, with exceptions on extenuating circumstances-can be less
Conventional Loan: *2 years- 80% LTV, * 4 years- 90% LTV, *7 years-can follow standard guides
Re-Established Credit
FHA Loan: 3 trade lines open active for 24 months paid as agreed. No derogatory accounts since the event. 12 month verified residential NO late payments.
USDA Loan: 3 trade lines open active for 24 months paid as agreed. No derogatory accounts since the event. Must have a 24 months verifiable residential history NO late payments.
VA Loan: 3 trade lines open active for 24 months paid as agreed. No derogatory accounts since the event, 12 month verifiable residential NO late payments.
Conventional Loan: 3 trade lines open and active for 24 months paid as agreed. No derogatory accounts since the event. 12 month verifiable residential history NO late payments.
Ainsley Daux
Florida Realty
(813)546-1954
Serving the Tampa Bay Area
Dover Real Estate
Brandon Real Estate
Tuesday, February 10, 2015
New DOVER LISTING (ALMOST 2 ACRE LOT)
New DOVER LISTING (ALMOST 2 ACRE LOT)
Secluded mobile home, located on a one acre wooded lot. Home will need work, but has some very nice features, including a large kitchen and laminate floors through most of home. Exterior has an open wood deck. Located not far from local roadways and amenities...
Please call or email
Ainsley Daux
Florida Realty
Tampa Bay Real Estate
Dover, Florida Real Estate
813-546-1954
Secluded mobile home, located on a one acre wooded lot. Home will need work, but has some very nice features, including a large kitchen and laminate floors through most of home. Exterior has an open wood deck. Located not far from local roadways and amenities...
Please call or email
Ainsley Daux
Florida Realty
Tampa Bay Real Estate
Dover, Florida Real Estate
813-546-1954
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