Retirees Find That Tampa Active Adult Communities Are Perfect For Them

When looking for a place to rest and relax after years of hard work, there’s nothing better than Tampa active adult communities for retirees. Most retirees arriving in Tampa choose Sun City Center homes, because they provide a great variety of housing options for senior citizens that have been especially constructed with those over 55 years of age in mind. The houses built here are small, but beautiful, making them much easier to clean and maintain.

What makes this city center so special? Everything about it, but also because there are age restrictions, and no one under the age of 55 is allowed to live here. Community living in this self-sufficient city is catered to in every way possible, because you want a lifestyle that is convenient and pleasant. The community has everything you need, including its very own hairdressers, and grocery stores, hospitals, doctors and pharmacies, financial advisors and banks, all very conveniently located.

After a certain age, some people just don’t like the idea of driving their own vehicles due to poor eye-sight or other ailments. However, in this active adult community there’s no need to worry about that, because golf carts are provided that you can drive wherever you wish within the city.

Life in Florida’s Sun City can only be called heavenly with its naturally beautiful scenery and fantastic beaches that make living here the ultimate in luxury. It does not matter how you wish to spend your life, be it by walking the endless miles of sandy beaches, or by taking a dip in the silky smooth waters of Tampa Bay; there’s something for everyone who wants to escape from the mundane chores of their daily lives.

This beautiful paradise on earth has everything going for its Tampa active Adult communities with its well planned museums for anyone interested in history or night clubs that will enable you to shake a leg and enjoy the music. Thespians no doubt can visit the theatres that present the latest shows, while the many restaurants located in the city provide all the fine dining desired by the folks living in Sun City Center homes.

Retirement is the time in life that you look forward to, hoping you will be able to indulge in all the activities you had no time to do while working and raising a family. Each has his or her own dreams to fulfill. No one need be left behind at Sun City where various recreational activities, and community centers help you to meet and get to know others. Here you become a part of the close knit community that lives and enjoys the evening years of life.

With a total area comprising of 13 square miles of which 2 percent is water, there’s an increased demand for housing in the area with many retirees flocking to take advantage of the wonderful lifestyle offered at Sun City. Although a major part of the area has been fully developed, there is always some sort of construction going on to provide even more and better facilities to its residents.

Anyone hoping to retire soon should make it a point to pay a visit Sun City Center homes to see the number of ongoing activities that are in place for people with diverse tastes to enjoy. Whether you like to play a round of golf with your pals, engage in your favorite hobby of fishing in solitude, or boating in the calm blue waters, you’ll find that everything has been provided for Tampa Active Adult Communities to enjoy life to the fullest, including round the clock security to ensure your safety and well being at all times.

Why You Should Get a Home Appraisal Carried Out

Whether you intend to sell your home or buy a new one, a home appraisal of your property will be of benefit to you. This process enables you to know the current worth of your home, which in the case of the seller will give him an idea of what his property is worth; and in the case of the buyer, whether the price being asked is worth the property he’s hoping to buy. Don’t also forget that the bank involved will be asking for home appraisal documents in order to process the loan for the potential buyer.

The cost of home appraisal is usually paid by the buyer and will be based on the size and location of the property. A larger property in a prestigious location will have you paying more with anything between $350/- and $600/- being the usual appraisal rates. You can also get a separate appraisal done on neighborhood property for an additional $50 to get current market prices in the area.

The cost of your home appraisal will also depend on the type of appraiser you engage for this service. A professional appraiser who is certified for the job will quote a higher rate than a real estate agent who will be able to provide you with an estimate based on his level of experience. Most realtors who have been in the business for a long time are able to give a ballpark figure simply by looking at the property and its location. You can also get your home appraised online free of charge by providing the information requested by them.

When you request for an appraisal, the appraiser will visit your home, take measurements and photographs, make notes of any damages and various other aspects of your property after which he will include all his findings in a report that will be submitted to you in due course.

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FHA Update – The Government Is Still Hurting The Housing Recovery

Effective April 1, 2012, the Federal Housing Administration (FHA) will definitely alter the method it considers on-going credit disagreements– such as collection agency claims in a buyer’s credit score– when accepting FHA home loan applications. The improvement does not impact any sort of debt the homebuyer still owes– only debts in row.

Presently, credit misunderstandings in a purchaser’s record bump the application to an FHA underwriter. Under the new guidelines, however, no FHA loan will definitely be approved for any sort of disagreement over $ 1,000. Volumes less than $ 1,000 shouldn’t impact loan approval unless it was ordered by a court, in which instance any volume should be paid in full.

If a possible shopper has a $ 1,000-plus credit conflict on file, he or she should either pay the debt before FHA loan approval, or get in into a repayment contract and make a minimum of 3 months of on-time payments.

We presume this revision will most certainly kick some customers from the markets, and we’re in on-going efforts to quantify precisely how exceptional the impact will certainly be, stated Lisa Jackson, senior vice president of research at John Burns Real Estate Consulting, contacting HousingWire.

FHA states the improvement will definitely defend the program and bolster its emergency fund that has indeed fallen below the amount mandated by Congress.

We found that many borrowers by having mortgage payment delinquencies had prior credit deficiencies, including unpaid assortments and unsettled disputed accounts prior to the approval of their loan, an FHA spokesperson said. This change was made to do away with this layer of hazard to FHA-insured loans and help safeguard our insurance fund.

What To Consider When Buying Your First Home

Buying your first home is exciting, as well as daunting. The most important aspect in this regard is to have your finances in order. Being pre-approved for a mortgage means that you know what you can afford. Be ready to pull down a 1 – 2% percent good faith deposit on the home, and don’t forget to take into account incidental expenses such as association fees, inspection fees, taxes etc. so that you will not be caught off guard with unexpected costs.

When buying a new home, real estate agents consider the location as the most important factor. Your choice of property will depend on many things such as your work place, children’s schooling, and proximity to the city etc. or, in the case of retirees, how secluded and peaceful it is. For those who prefer the hustle and bustle of city life might have to settle for a smaller house if the location is exactly right. Properties on busy streets tend to be cheaper because of the dust and noise, not forgetting the limited space children have for play. Houses in rural areas, on the other hand, are bigger and expensive but not quite what the office worker in the city wants.

The next thing to think about is the size of the house. Before making a move there are many things you must consider. If you’re planning to have children, a small two-room house may not be enough for your future plans, so you may wish to consider a larger home. Also, keep in mind that two bedroom houses have a lower resale value than bigger homes. Retirees, on the other hand, will find that a big house will be too much for them to keep clean and maintain even if they can afford it.

First time homebuyers have so many options today. However, in order to make the right choice for your future home needs, a lot of research and decision making should be done to determine what is most important to you.

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Tampa Luxury Homes For Those With a Discerning Eye For Quality

If you want to relocate to an elite location, then Tampa luxury homes can provide the kind of lifestyle you’re looking for. There are only a few places that are naturally suitable to construct luxury homes that have all the modern amenities, as well as beautiful landscaping, and the most pleasant settings imaginable. When buying a new home you should not only consider the proximity to good schools in the area, but also the best of neighbors, and the shopping and dining available. It’s worth remembering that Tampa has the most stunning coastlines in the United States.

When people invest in a luxury home, they expect to get the best services possible, and unparalleled views for which they are willing to spend a great deal of money. With Tampa luxury homes, you get all these and more. As a place to retire to and settle down, there couldn’t be a better place in the country. Beautifully located with miles of sandy beaches, perfect climatic conditions – Tampa has been drawing more and more visitors who are loath to leave this paradise once they get a taste of it.

Tampa, Florida is one of the most popular destinations in the United States for summer vacation. It’s stable economy has made it an increasingly popular business hub that keeps attracting big names to relocate or open branches. Additionally Tampa is known for having some of the best golf courses in the country, courses that provide endless sunny days to play all the golf that any lover of the sport would want.

Tampa has a good public school system that serves the neighborhood well, and also a number of private schools for those who prefer their children to be educated in an elite environment. Tampa is committed to providing a good education to children living in the area, and has a well placed system that follows to post secondary level.

There are many other reasons for you to decide to live in Tampa, Florida with a great number of neighborhoods to choose from. When you choose Tampa luxury homes to settle down, you will realize that it’s the kind of place where you can live for ever, without finding it boring or lonely even when your children have grown up and flown the nest. The soothing serenity of the place will make you want to spend your retirement enjoying the splendors of this amazingly beautiful location, and you can be sure your children will always want to visit you to experience the comforts of home they were used to during their childhood.

Tampa’s economy does not rely only on tourism. It is steadily on its way to developing a strong base for telecommunications and various other industries. This means that high profile businessmen will need Luxury houses to live in, and there’s little doubt that most of them will prefer Tampa waterfront homes that are in high demand by those who are used to the luxury of living close to the sea.

Another valid reason to choose Tampa waterfront homes is the resale value, because that will keep on increasing year after year. If at any time you wish to move, selling your home at a good price will be unbelievably easy, as there’s always a waiting list of eager people wanting to grab these beautiful homes.

After spending most of your day working, it is great to be able to go home for the day relax in your own Tampa luxury homes; or even take retirement in style near beautiful Tampa Bay in luxurious Tampa waterfront homes. You can enjoy gorgeous scenery while basking in glorious sunshine throughout the year when you live in a Tampa Bay luxury home.

The Truth About Buying Vs. Renting a Home

image of tampa affordable housing chartSince the housing bubble explosion, it seems to be like everybody and their mother can’t cease discussing just what a fantastic time it is right now to get a residence, but how great is it really? After years of watching property prices drop like flies and rental markets tightening up far better than pair of Spanx, it’s safe to say that home ownership is really budget friendly practically all over. In fact, it is now less expensive to own than to lease in 98 of the 100 most populous metros– featuring (shocker!) pricey locations to live like New York, Los Angeles and Boston.

Who – you ask? Our Trulia’s Winter 2012 Rent vs Get Index– that’s who! To provide you a tad of background, this Index is what we make use of to figure out whether getting a house or renting in a given metro is easier on the pocketbook. To do this, we consider asking prices for rentals and properties for-sale on while additionally factoring additional fees like taxes, insurance and maintenance, etc.

Just view for yourself. After placing all the metros in order of where buying is most costly relative to leasing, the two metros at the top of the listing– Honolulu and San Francisco– are no where near being orange, let alone being in the red (read: renting is cheaper relative to getting). At best, they are a pleasant mustard yellow, which means that the asking price between renting and purchasing is not all that different. As an alternative, what actually matters if you’re only doing a basic expense comparison is (1) your tax bracket and whether you can easily benefit from the mortgage interest deduction and (2) exactly how long you actually arrange to stay in the home.

Lance Mohr Moves To Future Home Realty In Tampa

Lance Mohr has joined Future Home Realty as one of their real estate agents covering the Tampa Bay area. He is a fully licensed real estate broker of Florida and brings to the company over a decades’ experience handling real estate transactions in Florida, California, Utah and Texas.

Lance started his career in Southern California as a mechanical engineer in a national telecoms company before rising to the position of regional manager. After seven years in this field, he made the decision to enter into the mortgage industry. Within five years, Lance had acquired a solid reputation as a leading residential mortgage professional in the city. It is from here that his interest in real estate became much more serious, and he opted to make it his next career move.

In his work as a real estate expert, Lance has successfully handled the relocation of the employees of some top companies including Mary Kay, Cadbury Schweppes and Lockheed Martin. He has also provided the same expert service to many other residents of Tampa. With his extensive knowledge, experience and professionalism, Lance has managed to assist his clients complete a smooth process of buying and/or selling their homes.

Despite having worked for years as a banker and real estate agent, Lance does not rest on his laurels. He maintains a strong learning ethic and believes that it pays to keep up with the industry. He continuously makes an effort to gather more knowledge by attending seminars and courses such as ‘Foreclosure Solutions’ by Mike King and ‘Real Estate Investing’ by Lou Brown. Not only does the knowledge he gathers from such events help him to offer his clients the best service possible, it also gives him the opportunity to pass on his experience and information to other colleagues also in real estate.

Having worked for over a decade in some of the top relocation firms in the state, including Keller Williams, Cendant Mobility and Century 21, among others, Lance found that clients were becoming increasingly bogged down by procedures and paperwork. With Future Home Realty, he has found a like-minded team whose ultimate goal is to help clients attain their dream of owning a home with minimal hassle.

With his years of experience in investing, mortgage lending and house construction, Lance has been able to assist clients to identify a home that is a perfect fit, and saved them thousands of dollars on unnecessary expenditure. He works with each client to come up with a customized strategy that will suit his or her individual needs.

Future Home Realty has long standing reputation of putting clients’ needs first. With its team of professional and knowledgeable real estate agents, it delivers honest and expert service every time. With Future Home Realty, Lance has discovered not only a business that shares his belief in offering personalized and straightforward service, but also giving back to the community. By lending its support to the Hope Children’s Home, the company helps to provide a sound beginning for thousands of at risk kids and help shape the next generation.

The $26 Billion Settlement Good for Florida

Although Florida has seen some positive trends in the housing market as from 2011, it still has the enormous backlog of over 350,000 foreclosure cases pending hearings in courts. The recent $26 billion dollar settlement deal reached with the five major banks will provide much needed funds to allow revaluation of the principal amounts outstanding on mortgages. Although there has been a slowdown in the number of foreclosure cases filed, there are new cases every day. This deal is just what is needed to stem the flow.

Many Florida home owners have still managed to hold on to their homes despite the drastic fall in equity. They are living in houses whose current worth is less than half what they paid for when they picked up their mortgages. Given that almost a million homeowners are set to benefit from this scheme and that Florida has been the worst hit state, it can be assumed that some of the sunshine state’s problems will be alleviated by this deal. Most of the money will go to re-evaluating the principal on outstanding loans meaning homeowners will be able to pay less on their mortgages and be reassured they are only paying for the current worth of the home.

With the housing market in Florida looking up, it can be expected that those who do benefit from this scheme will have something to smile about in a few years, when housing prices have finally risen. Although the $2000 compensation to homeowners who lost their homes to foreclosure over the last few years offers little compensation, especially to those who suffered under the robo-signing scandal, it is a small step in the right direction.

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Tampa Is One of the Best Rental Markets In US

Just this last year, Tampa Bay has been ranked as one of the best markets to have a rental property. The upsurge in job opportunities in the service sector has seen an increase in the number of renters in the area. Most Florida banks have been hard hit by the housing market meltdown and have grown increasingly difficult to borrow home loans from. Thus many are opting to simply rent. Many out of town folk have taken to purchasing residences in the area, fixing them up and renting them out. Most estate agent firms are reporting an occupancy rate of almost ninety percent with most new rental units finding occupants within a couple of months of going in the market.

The area has been badly hit by foreclosures and many of the properties are going for rock bottom prices. This is good news for people looking to make real estate investments. This is actually the best time to take advantage of the situation as the market is believed to be bottoming out meaning those low prices will not last forever. With Tampa rentals bringing in the highest gross rental yield across the nation, as per 2010 statistics, there has never been a more opportune moment to get in on this business.

The housing market offers a diverse range of homes in Tampa to invest in. From single family homes to waterfront homes, there are a diverse range of properties just waiting to be snapped up. The economy in the area is also beginning to recover with job opportunities on the rise. The major universities in close proximity also mean another market to explore when looking for tenants.

Florida Housing Trend Leads the Way

Data compiled by indicates that the national median age of housing inventories in January 2012 is down by almost the 5% compared to the same period last year. With all the negative reports that came out of Florida these last few years, it is good to see the state getting some positive publicity. Several cities including Tampa-St. Petersburg-Clearwater, Orlando, Miami and Fort Lauderdale have reported over 30% drop in sale inventory.

Another seven out of the top 10 cities with the highest rise in median housing prices were also from Florida. Miami, Fort Myers-Cape Coral, Punta Gorda, West Palm Beach-Boca Raton, Sarasota-Bradenton, Daytona Beach and Naples indicated an over 155 hike in prices compared to the same period in 2011. In fact, based on the released figures, no other state has made its way back on the path to recovery like Florida.

The recent fall in unemployment numbers, and reduced interest rates on mortgages means that there are many more buyers soon to join the market. The only issue likely to dampen these gains is the huge backlog of foreclosure cases still pending in the judicial system. Given that most of the sales accounting for the rise in housing prices are from regular sales, not short sales, it can only be hoped that when these foreclosure cases finally come to market, it will not cause a reversal in change. Many experts believe that the market has now just started making a turn for the better, but with over three hundred thousand cases still pending in court for Florida alone; a lot more needs to be done before all the encouraging gains turn into nought.