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. 7^th 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

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

 

 

 

13318 JAUDON RANCH RD DOVER, 33527

13102 SARA ANNA CT, DOVER FL

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

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

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

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