• Wed, 29 May 2019 05:00:00 +0000: Time to Buy Again - InTouch

    For people who have experienced a distressed sale of a home and gotten their finances and credit back in shape, there can still be an unanswered question of "How long do we have to wait to qualify for another mortgage."  The loan types for the new loan will differ in amounts of time based on the event. 

    The different lending authorities, VA, FHA, Fannie Mae (FNMA) and Freddie Mac (FHLMC), establish their own waiting periods.  A borrower may be eligible to qualify for one type of mortgage before another type, even though during this waiting period, that the person was current on all payments and maintained a history of good credit.

    The following chart indicates how long a person might have to wait.

    waiting period for distressed sales.png

    A recommended lender can give you specific information regarding your individual situation and can make suggestions that will improve your ability to qualify for a mortgage.  This process should be started before looking at homes because of the time constraints listed here can vary based on current requirements and possible extenuating circumstances of your case.

    We want to be your personal source of real estate information and we're committed to helping from purchase to sale and all the years in between.  Call us at (727) 434-1673 for lender recommendations.

  • Tue, 28 May 2019 05:00:00 +0000: Home Energy Loss - InTouch

    There are telltale signs that a home is wasting energy that every homeowner should be aware.

    • Drafts ... if you feel drafts in rooms when doors and windows are closed, it can indicate a leak that can adversely affect heating or air-conditioning.
    • Moisture on windows ... condensation occurs when warm moist air meets cooler dry air like when a bathroom mirror steams up after a shower.  The inside or outside of window can sweat due to temperature differentials.
    • Ice dams form at the edge of a room and prevent melting snow from running off the roof.  The water that backs up can leak into the home causing damage.
    • Higher than normal utility bills indicate that more energy is being required to keep the property at a desired temperature.
    • Excessive dust in a home can be the result of dirty HVAC filters or from air duct leaks that could be sucking in dust from the attic.
    • Mold thrives in warm, moist conditions which could exist because of leaking roof, walls, windows or poor ventilation.
    • Sinus problems affecting residents can be the result of conditions mentioned above like dust and mold.

    Recognizing these conditions exist and resolving them can bring a homeowner more comfort and a safer, healthier home.  The cost of repairs may be able to be recaptured through utility savings.  Preserving energy provides a cleaner environment by eliminating greenhouse gas emissions that contribute to climate change.

  • Mon, 27 May 2019 05:00:00 +0000: 2018 PHBS - veteran buyers - InTouch
  • Fri, 24 May 2019 05:00:00 +0000: A Running Toilet - InTouch
  • Thu, 23 May 2019 05:00:00 +0000: What does your policy cover - InTouch