Seller’s Guide for a Smoother Home Inspection

To All:

As a previous franchise owner of a home inspection franchise, when I got this from a local home inspection company in my email today I thought it was worth passing on to everyone. The reality is that I don't think any homeowners ever went out of their way to make my job harder, but sometimes I wasn't able to complete the home inspection. And when that happened it was the responsibilty of the homeowner to pay for me to come out a second time to inspect whatever I wasn't able to inspect the first time.

So, if you are a homeowner who has never experienced the process of a home inspection, you may want to take a look at the article below from Amerispec Home Inspection Services.

Rich Kemper

REALTOR, Keller Williams Realty

CDPE - Short Sale Specialist

PCS Military Relocation Specialist

Cell:  813.777.5332

Fax:  813.684.8400

Email:  getrichquick2@aol.com

www.fishhawkhomesforsale.com

www.tamparealestate4you.com

I don’t work from 9 to 5. I work from start to close!

Seller’s Guide for a S

moother Home Inspection

Here is a guide for seller’s to go by before a home inspection. Removal of the

items can avoid any delays and added costs. The inspector will not remove

se

seller’s personal items for liability purposes.

-Remove any items blocking all electrical panels. The inspector removes the covers to check

wiring.

-Remove any items blocking access to garage doors & garage service doors. The inspector

operates all garage doors.

-Remove any items below attic access and in the attic (there may be an access in a closet as well

as the garage, remove any clothes or cover them with a sheet so the insulation from the attic

does not fall on clothing). The inspector needs to access the attic.

-Remove any items that are blocking the sprinkler control. The inspector needs to operate the

sprinkler system.

-Remove any items blocking the water heater. The inspector needs to visually check water

heater for concerns.

-Remove any items blocking the a/c unit/furnace in the garage. The inspector needs to check for

safety issues.

-Remove any items blocking GFCI reset in garage (usually found on garage rear wall). The

inspector checks exterior outlets for safety and the reset is usually not accessible in garage.

-Seller should make arrangements for pets during the home inspection. There are several people

opening and closing doors and walking through and around the home.

-Seller should make available all remotes for ceiling fans, fireplaces, pools, garage door openers.

The inspector operates all of these components.

-Seller should make available all keys to open locked doors including closet doors. The inspector

needs to gain access to all areas in home.

-Seller needs to remove items stored in oven. The inspector operates the oven.

-Seller needs to remove items stored in showers, bath tubs. Occasionally these areas are used to

store moving materials. The inspector needs to run the water fixtures.

Thank You for your assistance Eric & Candi from AmeriSpec Home Inspections

813-672-4250
  

Existing-Home Sales Rise Again in January!!!!!

To All:

Below is the latest on home sales for January 2011 from Realtor.org. If you are looking to buy, sell,or rent a home in the Brandon, Florida please feel free to visit my website to look through available homes.

Make it a great day!

Rich Kemper

REALTOR, Keller Williams Realty

CDPE - Short Sale Specialist

PCS Military Relocation Specialist

Cell:  813.777.5332

Fax:  813.684.8400

Email:  getrichquick2@aol.com

http://www.fishhawkhomesforsale.com/

www.tamparealestate4you.com

I don’t work from 9 to 5. I work from start to close!

 

Washington, DC, February 23, 2011
The uptrend in existing-home sales continues, with January sales rising for the third consecutive month with a pace that is now above year-ago levels, according to the National Association of REALTORS®.
Existing-home sales¹, which are completed transactions that include single-family, townhomes, condominiums and co-ops, increased 2.7 percent to a seasonally adjusted annual rate of 5.36 million in January from a downwardly revised 5.22 million in December, and are 5.3 percent above the 5.09 million level in January 2010. This is the first time in seven months that sales activity was higher than a year earlier.
Lawrence Yun, NAR chief economist, said the improvement is good but could be better. “The uptrend in home sales is consistent with improvements in the economy and jobs, which are helping boost consumer confidence,” Yun said. “The extremely favorable housing affordability conditions are a big factor, but buyers have been constrained by unnecessarily tight credit. As a result, there are abnormally high levels of all-cash purchases, along with rising investor activity.”
A parallel NAR practitioner survey² shows first-time buyers purchased 29 percent of homes in January, down from 33 percent in December and 40 percent in January 2010 when an extended tax credit was in place.
Investors accounted for 23 percent of purchases in January, up from 20 percent in December and 17 percent in January 2010; the balance of sales were to repeat buyers. All-cash sales rose to 32 percent in January from 29 percent in December and 26 percent in January 2010.
“Increases in all-cash transactions, the investor market share and distressed home sales all go hand-in-hand. With tight credit standards, it’s not surprising to see so much activity where cash is king and investors are taking advantage of conditions to purchase undervalued homes,” Yun said.
All-cash purchases are at the highest level since NAR started measuring these purchases monthly in October 2008, when they accounted for 15 percent of the market. The average of all-cash deals was 20 percent in 2009, rising to 28 percent last year.
The national median existing-home price³ for all housing types was $158,800 in January, down 3.7 percent from January 2010. Distressed homes edged up to a 37 percent market share in January from 36 percent in December; it was 38 percent in January 2010.
NAR President Ron Phipps, broker-president of Phipps Realty in Warwick, R.I., said the median price is being dampened by unusual market factors. “Unprecedented levels of all-cash purchases, primarily of distressed homes sold at deep discounts, undoubtedly pulls the median price downward,” Phipps said. “Given the levels of inventory we see today, we believe that traditional homes in good condition have held their value.”
Total housing inventory at the end of January fell 5.1 percent to 3.38 million existing homes available for sale, which represents a 7.6-month supply⁴ at the current sales pace, down from an 8.2-month supply in December. The inventory supply is at the lowest level since December 2009 when there was a 7.3-month supply.
According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage rose to 4.76 percent in January from 4.71 percent in December; the rate was 5.03 percent in January 2010.
Single-family home sales rose 2.4 percent to a seasonally adjusted annual rate of 4.69 million in January from 4.58 million in December, and are 4.9 percent higher than the 4.47 million level in January 2010. The median existing single-family home price was $159,400 in January, down 2.7 percent from a year ago.
Existing condominium and co-op sales increased 4.7 percent to a seasonally adjusted annual rate of 670,000 in January from 640,000 in December, and are 7.9 percent above the 621,000-unit pace one year ago. The median existing condo price⁵ was $154,900 in January, which is 10.2 percent below January 2010.
Regionally, existing-home sales in the Northeast fell 4.6 percent to an annual pace of 830,000 in January from a spike in December and are 1.2 percent below January 2010. The median price in the Northeast was $236,500, which is 4.0 percent below a year ago.
Existing-home sales in the Midwest rose 1.8 percent in January to a level of 1.14 million and are 3.6 percent above a year ago. The median price in the Midwest was $126,300, which is 3.2 percent below January 2010.
In the South, existing-home sales increased 3.6 percent to an annual pace of 2.02 million in January and are 8.0 percent higher than January 2010. The median price in the South was $136,600, down 2.1 percent from a year ago.
Existing-home sales in the West rose 7.9 percent to an annual level of 1.37 million in January and are 7.0 percent above January 2010. The median price in the West was $193,200, down 5.7 percent from a year ago.
The National Association of REALTORS®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.1 million members involved in all aspects of the residential and commercial real estate industries.

# # #

NOTE: NAR also tracks monthly comparisons of existing single-family home sales and median prices for select metropolitan statistical areas, which is posted with other tables at: http://www.blogger.com/wps/wcm/connect/RO-Content/ro/research/research/ehsdata. For information on areas not included in the report, please contact the local association of REALTORS®.
¹Existing-home sales, which include single-family, townhomes, condominiums and co-ops, are based on transaction closings. This differs from the U.S. Census Bureau’s series on new single-family home sales, which are based on contracts or the acceptance of a deposit. Because of these differences, it is not uncommon for each series to move in different directions in the same month. In addition, existing-home sales, which generally account for 85 to 90 percent of total home sales, are based on a much larger sample – more than 40 percent of multiple listing service data each month – and typically are not subject to large prior-month revisions.
The annual rate for a particular month represents what the total number of actual sales for a year would be if the relative pace for that month were maintained for 12 consecutive months. Seasonally adjusted annual rates are used in reporting monthly data to factor out seasonal variations in resale activity. For example, home sales volume is normally higher in the summer than in the winter, primarily because of differences in the weather and family buying patterns. However, seasonal factors cannot compensate for abnormal weather patterns.
Single-family data collection began monthly in 1968, while condo data collection began quarterly in 1981; the series were combined in 1999 when monthly collection of condo data began. Prior to this period, single-family homes accounted for more than nine out of 10 purchases. Historic comparisons for total home sales prior to 1999 are based on monthly single-family sales, combined with the corresponding quarterly sales rate for condos.
Also released today are historic data revisions. Each February, NAR Research incorporates a normal review of seasonal activity factors and fine-tunes historic data for the past three years based on the most recent findings. Revisions have been made to monthly seasonally adjusted annual sales rates for 2008 through 2010, as well as the inventory month's supply data; most revisions are minor with little or no impact on previous characterizations of the overall market. There are no revisions to monthly home prices or raw inventory data (beyond normal prior-month revisions).
Note on Benchmark Revisions: All major statistical data series go through periodic reviews and revisions to ensure that sampling and methodology keep up with changes in the market, such as population changes in sampled areas, to ensure accuracy; we have been examining the existing-home sales data for any issues since late 2010. NAR began its normal process for benchmarking sales earlier this year; there will be no change to median prices. In the past we’ve benchmarked to the decennial Census, most recently to the 2000 Census, because it included home sales data. However, the data are no longer included in the Census, so we’re looking at more frequent benchmarking using a new approach with independent sources to improve our process and modeling. As always, we are consulting with various outside housing economists, government agencies and academic experts for a consensus on the methodology; NAR is committed to providing accurate, reliable data. Publication of the revisions is expected this summer.
²Distressed sales, first-time buyers, investors, all-cash transactions and data for contract cancellations, etc., are from a survey for the REALTORS® Confidence Index, scheduled to be posted March 14.
³The only valid comparisons for median prices are with the same period a year earlier due to the seasonality in buying patterns. Month-to-month comparisons do not compensate for seasonal changes, especially for the timing of family buying patterns. Changes in the composition of sales can distort median price data. Year-ago median and mean prices sometimes are revised in an automated process if more data is received than was originally reported.
⁴Total inventory and month’s supply data are available back through 1999, while single-family inventory and month's supply are available back to 1982 (prior to 1999, condos were measured quarterly while single-family sales accounted for more than 90 percent of transactions).
⁵Because there is a concentration of condos in high-cost metro areas, the national median condo price generally is higher than the median single-family price. In a given market area, condos typically cost less than single-family homes.
Existing-home sales for February will be released March 21, the Pending Home Sales Index for February is scheduled for March 28, and the 2010 Vacation and Investment Home study will be published March 30; release times are 10:00 a.m. EDT.
Information about NAR is available at www.realtor.org. This and other news releases are posted in the News Media section. Statistical data in this release, other tables and surveys also may be found by clicking on Research.

FEBRUARY REAL ESTATE MARKET UPDATE

February 2011  Market Update Gradual improvement in the housing market continues at a steady pace without government support. Six months after two consecutive years of tax incentives for buyers; starting in July 2008 with a $7,500 repayable first-time buyer tax credit, extending to a $8,000 nonrepayable first-time buyer tax credit in January 2009, and ending in June 2010 with the expanded credit to repeat buyers; the market has shown remarkable improvement from the initial drop this past July. With mortgage rates remaining near historic lows and home prices having generally stabilized, economists are expecting further strength in 2011. Consumers are showing some signs that they’re feeling better: a significant boost in the food and services industry implies they are eating out more, vacations are back on the rise as spending on travel and tourism increased 8% in the third quarter, and household net worth has risen notably thanks to a strong stock market even as they continue to shrink their debt. As the economy improves, current stimulus efforts by the government and the Federal Reserve Board are expected to gradually wind down, which typically means rising interest rates. Meanwhile, buyers continue to benefit from historically favorable buying conditions and sellers enjoy increased stability in the market. Home Sales in millions The uptrend in existing home sales activity continued through December, increasing by a substantial 12.3% from a month ago. This marks the fifth monthly increase in the past six months and indicates a recovery that’s gaining a firmer footing. While home sales remained 2.9% below the level seen last year, the market’s upward momentum, despite the absence of the tax credit, is a welcoming sign. Home Price in thousands Home prices softened in December: median home prices edged down slightly to $168,800, 1% below the year-ago level. Contributing to this is a larger share of distressed homes sales which accounted for 36% of sales in December. This is compared to 33% in November 2010 and 32% in December 2009. Prices continue to hold steady and mortgage rates remain historically low, offering favorable buying opportunities. Inventory- Month's Supply in months The surge in home sales and a shrinking inventory pared down the month’s supply to 8.1 months. This is down 1.4 months from November but remains 0.9 months above last year at this time. While still at a relatively high level historically, months of inventory has declined steadily from its peak of 12.5 months in July and is now back to pre-tax credit expiration levels. Source: National Association of Realtors - December housing data released Janurary 20. Interest Rates Mortgage rates are inching up but remain historically low. This trend continues to support home buying, as it translates to significant savings for buyers. As overall economic recovery remains on track, rates are expected to rise to keep inflation in check. Type Rate 30 year fixed 4.81% 15 year fixed 4.08% 5/1-year ARM 3.69% 30 year average for a 30 year fixed rate mortgage 8.9% Source: Freddie Mac, Rates as of Feb 7 . This Month's Video Topics For Home Owners, Buyers & Sellers   ‘Anti-Flipping’ Waiver Extension In 2003 the Federal Housing Administration (FHA) feared that flipping homes was the cause of the skyrocketing home prices throughout individual neighborhoods. Because of this, the FHA no longer approved property loans that were resold within 90 days of the original purchase, with the exception of foreclosures owned by government sponsored enterprises (GSEs) such as FHA, Fannie Mae, and Freddie Mac. The anti-flipping rule is designed to help protect the FHA’s mortgage insurance program and federally chartered financial institutions from losses. In February 2010, the FHA initiated a one-year suspension on the regulation that prevented “flippers” from purchasing single-family homes and releasing them into the market within 90 days. Since then, the FHA says it has insured 21,000 loans that had exchanged hands within the previous 90 days. The loans are worth more than $3.6 billion and would not have qualified for financing before suspension. An analysis of these loans suggest they do not present a greater credit risk than other loans, which lent support to the suspension’s extension.  The government sent a notice to banks in mid-January of 2011 in which it announced the extension of the waiver through the end of the year. According to FHA Commissioner David Stevens, the purpose of the extension was to accelerate the resale of REO properties in neighborhoods where there is a high rate of foreclosure. This will facilitate the purchase of homes that have recently been “flipped.” As a result, foreclosed properties will be moved off the market faster, reducing the amount of vacant homes in neighborhoods throughout the United States. Limitations considered by the FHA consist of the following: 20% Rule. If resale is higher than 20% of the original price, one must show proof of justified price. For example, if a $200,000 house is purchased and the resell price is $245,000, the house must undergo additional underwriting guidelines, which is considered a double appraisal. Title Hold. No simultaneous closings are allowed when the seller holds a property. In other words, back-to-back, same-day closings to an FHA end-buyer is prohibited. Short-term Funding. Investors must come up with short-term funding of the 30-to-60-day variety if their desire is to buy/fund and in order to sell to an FHA end-buyer. Previous Flips. A property cannot show signs of prior flipping activity. If so, the FHA has the right to object. Transactions at Arm’s Length. Transactions must show no identity of interest between the buyer and the seller or other parties that participate in the sale of a property. Overall, this will help lower holding costs for investors/flippers allowing them to continue flipping more properties. In return, this will help bring more desirable homes to the market for first-time home buyers. Source: Inman News, ReatlyTimes.com	Contact me, your local real estate expert, for information about what's going on in our area.
Brought to you by KW Research. For additional graphs and details, please see the This Month in Real Estate PowerPoint Report.  The opinions expressed in This Month in Real Estate are intended to supplement opinions on real estate expressed by local and national media, local real estate agents and other expert sources.  You should not treat any opinion expressed in This Month in Real Estate as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion.  Keller Williams Realty, Inc., does not guarantee and is not responsible for the accuracy or completeness of information, and provides said information without warranties of any kind.  All information presented herein is intended and should be used for educational purposes only.  Nothing herein should be construed as investment advice.  You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  All investments involve some degree of risk.  Keller Williams Realty, Inc., will not be liable for any loss or damage caused by your reliance on information contained in This Month in Real Estate.

THE 5 STAGES OF BUYING YOUR FIRST HOME

To All:
I am a full-time real estate agent in the Tampa area. I live in the community of FishHawk Ranch in Lithia, Florida and do most of my business in the Brandon area which includes Brandon, Valrico, Riverview, Apollo Beach, and Plant City. If you or anyone you know is looking to purchase a home in the Brandon area please give me a call at 813.777.5332 or email me at richkemper@kw.com.

Anyway, I was reading my email this morning when I came across the article below which was written by Tara Nicholle Nelson, a Trulia Staff member. As I read it, I thought there are lots of buyers out there that could use this information. Tara did a great job with conveying her thoughts so I have posted her complete article as it came to me. If you have any questions, please feel free to give me a call or email me. I am offering a 1% of sales price give back to any buyers that use me to purchase a home in the Tampa area between now and the end of March 2011 who bring this blog post with them for our initial consult.

Make it a great day!

Rich Kemper     

Buying a home is not a discrete event; it's a process - a sequence of events that happens over time, sometimes over as long as several months or even years!  While general guides to buying a home are a dime a dozen, I'm excited to share with you some insider secrets you may not have heard elsewhere - one for each stage involved in buying a home. Here's to helping you make the best decisions at every phase of your homebuying process!

Stage One: Deciding Whether It's The Right Time to Buy. 
Insider Secret: The market is the least important factor you should consider when deciding whether and when to buy a home.
Why: Everyone knows affordability is at an all-time high.  Home prices are low, and so are interest rates. But trying to time the market is a fool's errand; many who get caught up in that game of trying to make sure they buy at the absolute bottom will end up losing out on very, very favorable conditions.

Beyond that, the most important considerations when deciding whether and when you should buy a home are personal, not market driven. On today's market, it only makes sense to buy a place if it's going to be sustainable and work for you for at least the next 4-5 years [if your town's real estate market has been fairly recession-proof] or 7-10 years [if the housing/foreclosure crisis has hit your area pretty hard].

Against this "smart holding period" backdrop, smart buyers decide to buy when it makes sense for:

• their life plans (i.e., they are comfortable making the commitment to live in the same town, and the commitment to )
• their family plans (i.e., whether they plan to get married, have children or empty their nest in the time they plan to own the home - and the implications of these plans on their space needs and location priorities)
• their career plans (including, but not limited to: whether they have job or income security, whether they feel they will be working in the same area for the foreseeable future, and whether they want to work less or start their own business in the months or years to come)
• their financial plans (including foreseeable changes in income and expenses, e.g., kids going to college or making partner at the firm).

Stage Two: Getting Pre-Approved.
Insider Secret: Working with a mortgage broker referred by your real estate broker or agent may save you money.
Why: Bolstered by the real-life stories of a couple of bad apples, TV pundits and some consumer advocates have spun the tale of a real estate industry cartel, whereby sinister agents hook unsuspecting buyers up with shady mortgage brokers, who place them in crappy loans and kick back some bucks to the agent. I'm here to tell you, in my experience, the opposite is true the vast majority of the time. 

When you work with a mortgage broker who has a strong track record of helping your real estate agent's clients out, you end up in a best of all worlds situation, nine times out of ten. First off, your agent will take you much more seriously once a mortgage broker they know and trust has run your credit, checked your income and approved you for a loan, as well as communicated with your real estate pro about your qualifications and what you can afford.  Secondly, your agent can help you communicate with your mortgage broker, sometimes helping get past appraisal glitches or facilitating other workarounds, as they come up. Third, you get the assurance of working with a mortgage pro who has been vetted and vouched for by someone you not only trust, but someone who can verify that the mortgage broker has the ability to get transactions closed in the timely manner required of today's real estate sales contract.  Otherwise, you may end up working with a competent mortgage broker who has a great track record when it comes to refinancing, but can't keep up with the pace and common obstacles to getting a home financed in the context of a sale.

On top of that, sometimes the relationship can help you negotiate out of a couple of line item loan fees (if your particular mortgage rep has the power to get them down at all), if push comes to shove and cash is tight to close the deal.  Assuming you are working with a real estate pro you really trust, working with a mortgage broker they trust can save you, rather than cost you, money.


Stage Three: House Hunting
Insider Secret: "Distressed" doesn't always equal "discounted" - in some cases, a "regular" sale can be a deeper deal.
Why: Short sales and foreclosures have grown to comprise roughly 30 percent of the homes sold on today's market, even higher in some areas. The average sale price of foreclosed homes was 32% lower than the average sale price of non-foreclosed homes, at last count. However, it's not always the case that foreclosed homes or short sales - homes which are being sold for less than what the seller owes on their mortgage(s) - offer the buyer a fabulous discount. 

Mortgage servicers and asset managers who make decisions about distressed properties are on the hook to their investors to recoup as close as possible to the current fair market value of every home they sell. Some banks even have a general rule of rejecting offers more than 10 percent or so below the home's list price, preferring instead to reduce the price by that amount and put the home back on the open market to see if any new buyers are activated by the price reduction to make an offer better than the lowball offer that was initially put on the table.  On short sales, the bank is trying to get as close as possible to recovering what the seller owes - and may or may not be concerned with what the fair market value of the home is. (Nine times out of ten, there will be a big gap between fair market value and the seller's outstanding mortgage balance. If there wasn't, the seller wouldn't need to do a short sale!)

With so many distressed properties and homes with depressed values on the market, in many areas, the individual, non-distressed home sellers who are putting their homes up for sale right now are those who are very motivated to sell. Further, they are more likely to be flexible with you on everything that is negotiable, from contingency and escrow periods, to price, to repairs and included items.

Also, individual sellers can be emotionally motivated to sell to move on with their lives, get into their bigger (or smaller) house, or move on to their next job; banks, on the other hand, aren't people (!), so lack that emotional sense of urgency to get the properties sold, no matter how urgently you may think they should be trying to get rid of the foreclosed properties they own. (If you've heard the old advice that banks don't want to be in the home-owning business, I can tell you this. That is true, in a very general sense, but now they are and will be - for a long time to come. They have no emotions, have no urgent need to sell or move, and are not willing to give houses away at pennies on the dollar to get out of it, no matter what those infomercial folks say.) 

Long story short: you can sometimes negotiate a better deal with an individual seller on a "regular" sale than with a bank on a distressed home sale. So, don't limit your house hunt to foreclosures and short sales, if you're looking for a good deal on your home.

Stage Four: Negotiations
Insider Secret: Your family and friends can cause you to lose your dream home.
Why: With so much information on the web and the news every day about the recession and the buyer's market, everyone seems to be an armchair economist/real estate savant.  But much of that news is national and based on medians, averages and trends.  That is, it might not necessarily apply to every home on the market in every city, and more importantly, it might have nothing to do with "your" particular home.

When I was a little girl, my best friend's grandfather would very carefully hand each of us a quarter, always doling it out with the sage admonition: "Don't spend it all in one place." We'd always smile, look at each other, then go ask our Moms for ten bucks apiece.  In the same vein, people who are not currently in the market for a home have no idea what an individual home should "go for." If you tell your parents, church pals, or colleagues at work the blow-by-blow details of your offer, counteroffers, etc., you should expect to hear things like, "Oh, you're paying way too much!", "I think you should push them down another $10K," or "You know, you're in a better bargaining position than that." And sometimes, taking that sort of advice will end up blowing your deal.  Work with your trusty real estate broker or agent to develop a smart strategy - with their experience in your local market - about what price and terms to offer.  Then keep working with them to manage and maintain realistic expectations as you proceed through negotiating the contract to buy your home.

Stage Five: Escrow, Inspections and Underwriting
Insider Secret: It's critical that you attend your home inspections.
Why: When it comes to inspections, many first-time buyers expect that a home will either pass or fail.  Except in a few jurisdictions where the government imposes certain condition requirements for a home to be sold, the home inspection is more about educating you, the buyer, as to the details and nuances of the home's condition than about seeing if the place hits a particular target for "good" or "bad" condition. 

Home inspectors don't just look for things that need fixing, they also look to understand the home's systems and features, as well as to point out areas that will require your ongoing maintenance, highlight emergency shutoffs and other need-to-knows, and indicating where you should have specialists further inspect items of concern. Many home inspectors create vivid, detailed electronic reports - some, complete with color photos. But that's not enough!

If you're physically onsite at the home during the inspections, the inspector can physically show you the shutoffs for water, gas and electric - and how to use them.  They can also point out, in person, any things that need repair, and give you some tips for maintaining the place in tip-top shape.  Also, in many states, the general home inspector is legally prohibited (vs. the pest, roof or other "specialty" inspectors) from issuing a written quote or bid for repairs, to avoid a conflict of interest where they'd try to fabricate flaws in the home to get the repair job. However, the repair costs are one of the most important things a smart buyer wants to know!

If you show up, many inspectors will give you a rough range it would cost you to do various repairs, or otherwise indicate to you whether the needed repairs are "big deal" or "$10 home improvement store" fixes; some will even give you a few references to contractors they trust. 

All around, you'll get much more of the detailed information you need to know whether and how to move forward with the transaction if you should up in person to the home inspections, rather than just waiting for a copy of the report to come to your email

THE LATEST NEWS ON THE TAMPA REAL ESTATE MARKET 2/14/11

Hi, my name is Rich Kemper and I am a full-time real estate agent serving the Brandon, Florida area. I live in the community of FishHawk Ranch with is located in Lithia, Florida  I read the latest each and every day trying to keep my finger on the pulse on the Tampa area real estate market. None of us have crystal balls, but if you are like me you are always looking for a glimmer of hope to pass on to others.

Below is a post from ABC news today. It talks about Ybor City home sales which is really in a bad way again with many of the properties going for under 50k. I'll let you read the article. The bottom line is that they say recovery will be gradual and slow taking up to 4 or 5 years. 

If you or anyone you know is looking to buy, sell, or rent a home in the Tampa area please give me a call.

   

Rich Kemper

REALTOR, Keller Williams Realty

CDPE - Short Sale Specialist

PCS Military Relocation Specialist

Cell:  813.777.5332

Fax:  813.684.8400

Email:  getrichquick2@aol.com

http://www.fishhawkhomesforsale.com/

http://www.tamparealestate4you.com/

I don’t work from 9 to 5. I work from start to close!

 

Home foreclosures

Posted: 10:24 AM
Last Updated: 1 hour and 50 minutes ago
By: Brendan McLaughlin

TAMPA - With more and more people falling behind on their mortgage payments, foreclosures are rampant. But Florida and the Bay Area saw a sharp drop in new foreclosure filings by banks in January. It sounds like good news...until you talk to the experts.
Eddie Serralles is a jack-of-all real estate trades. He's a real estate broker and agent, a mortgage broker and a general contractor working mostly in Ybor city and Tampa Heights.

“When I came to this market 20 years ago, there were so many abandoned homes and homes sitting vacant. It was a depressed market. It wasn't good at all,” remembered Serralles. And he says it may be worse today, in part because banks are so slow to sell homes that are in foreclosure.
“The price keeps dropping, we keep on submitting offers and deals keep falling through and we keep making more offers and trying to cooperate with the lender. By the time they accept the deal, the buyer’s already gone and found another piece of property”.
Florida is one of five states along with California, Texas, Arizona and Michigan that accounted for more than half the foreclosures last month.

A new report shows the number of foreclosures in the Tampa Bay Area dropping by ten percent, but real estate consultant Peter K. Murphy of Home Encounter in Tampa believes that's a temporary blip.
“We know for a fact that we have about eight months of foreclosure inventory on the market right now, but when you drive down the street and see a little sticker on someone's window and no ‘for sale’ sign on the yard, that's a property the bank is holding on to and not selling yet. And those are all over town,” said Murphy.
Banks are holding on to those properties because they don't want to flood the market and drive prices down even more sharply. Experts expect a slow, gradual return to normalcy lasting four or five years

WHY DO SOME SHORT SALES END IN FORECLOSURE ANYWAY?

WHY DO SOME SHORT SALES END IN FORECLOSURE ANYWAY?

Hi, Rich Kemper here from beautiful FishHawk Ranch which is located in Lithia, Florida. I serve the  Brandon area which includes Brandon, Valrico, Riverview, Lithia, FishHawk, Apollo Beach, and Plant City. If you are looking to buy, sell , or rent in any of these areas I would love an opportunity to serve you. I have a PROGRAM for those in the military, school teachers, police officers, or fire fighters so make sure to check it out.

I had a homeowner call me the other day with a question. Her house was on the market as a short sale, but it ended up with the bank taking over the property and instead of a short sale the people ended up with the home being foreclosed on. She said the foreclosure was really damaging to their credit. They can't even get a loan for a new car.

So, I will do my best to explain some of the reasons homes sometimes end up in foreclosure rather than a short sale. As a realtor I ask very personal questions when taking on a short sale. Have you missed any mortgage payments? How many mortgage payments? Have you got a letter from your lender yet regarding foreclosure? Do you have liquid assets that are not part of a retirement account? Do you have some type of hardship or are you upside down and want to move on? Lots of questions.

Remember, I am a realtor, not a lawyer, but my experience is a lender won't consider a short sale if you aren't behind in your mortgage by at least 3 months and you must show you don't have the ability to pay your mortgage.

With the woman who called me, the reason appeared simple. It was time. She hadn't paid her mortgage for 8 months when she called a realtor to list her home and try to short sale the property. Florida law is 6 months at which time the lender can foreclose. In reality things seem to take a bit longer than 6 months and it seems some lenders take longer than others to foreclose on a property. By the time the realtor got the home listed and started to market the property the foreclosure was already in the works and they sent notice to owner and then came and changed the locks.

In this case, the short sale didn't happen because of time. A general rule to follow is 3 months. If you have not made a payment in 3 months you need to get a realtor involved so they have time to get your home on the market and get a buyer before the lender forecloses, serves notice, and changes the locks. There are more reasons why short sales don’t happen and homes end up in foreclosure. If you have any particular questions about short sales and or foreclosure please feel free to send me an email to richkemper@kw.com.

   

Rich Kemper

REALTOR, Keller Williams Realty

CDPE - Short Sale Specialist

PCS Military Relocation Specialist

Cell:  813.777.5332

Fax:  813.684.8400

Email:  getrichquick2@aol.com

http://www.fishhawkhomesforsale.com/

http://www.tamparealestate4you.com/

I don’t work from 9 to 5. I work from start to close!

    

IS REAL ESTATE AN ECONOMIC ENGINE FOR OUR COUNTRY'S ECONOMY?

To All:

Your Brandon, Florida area Realtor here. If you are looking to buy, sell, or RENT a home I am an expert when it comes to  FishHawk Ranch homes for sale or rent, Brandon homes for sale or rent, Valrico homes for sale or rent, Riverview homes for sale or rent, Apollo Beach homes for sale or rent, and Plant City homes for sale or rent.

Rich Kemper

REALTOR, Keller Williams Realty

CDPE - Short Sale Specialist

PCS Military Relocation Specialist

Cell:  813.777.5332

Fax:  813.684.8400

Email:  getrichquick2@aol.com

www.fishhawkhomesforsale.com

http://www.tamparealestate4you.com/

I don’t work from 9 to 5. I work from start to close!

 

There is always news on our housing market. Below is a post by Ron Phipps, the president of the NAR (National Association of Realtors). I have to believe this guy knows a thing or two about the market. Read what he has to say. 

Real Estate is about Jobs, Posted by Ron

February 9, 2011 by NAR · Leave a Comment
Filed under: Fannie and Freddie, Home Ownership Matters, Legislative, Mortgage Interest Deduction, Ron Phipps 

Later this week, the Treasury Department will issue a report recommending changes to the structure of Fannie Mae and Freddie Mac.  This is the latest development in a years-long debate over what the government’s role in housing should be.
As REALTORS®, we know better than anyone else just how vital housing is to families and to our nation.
Fact:  For every additional 1,000 home sales, about 500 jobs are added to the economy.  Those are real jobs that give our families, friends and neighbors a chance to work.
Fact:  Every home purchase pumps $60,000 into the economy.
Fact:  Housing accounts for more than 15 percent of the national gross domestic product.
Fact:  Home owners pay 80 to 90 percent of ALL federal income taxes.
We need to change the dialog.   Critics say housing is a drain on federal resources.  We know better.  Housing is the engine that drives our national economy. Eight of the last ten recessions have ended as a result of robust housing markets.  The other two ended as a result of war spending.  The choice is easy.  America needs a healthy housing market to thrive.
In the days ahead, NAR will be reaching out to Congress and the White House to emphasize the clear connection between housing, jobs and the economy.  Rather than limit support for housing, and the availability of credit, NAR is calling on Congress and the White House to advance policies that will move the housing market back to a healthy 5.5 million sales, where it SHOULD be.
We will be asking lawmakers to:

• Preserve the mortgage interest deduction at current levels.
• Move the credit pendulum to equilibrium, defined by a median credit score of 720.
• Maintain government backing in the mortgage market as part of GSE Reform.

These three steps would help bring the housing market back to a normal level, possibly generating an additional 1 million home sales and 500,000 jobs.  
As the voice for real estate, we hope that Congress and White House gets the message:  real estate is all about jobs.
I invite all of you to engage with us.  Go to Realtor.org/homeownership for the latest information and to see how you can join the movement. — Ron Phipps, 2011 NAR President

THE LATEST REAL ESTATE NEWS FROM KELLER WILLIAMS REALTY! FEBRUARY 9, 2011

February 2011  Market Update Hi, my name is Rich Kemper and I am a full-time real estate professional with Keller Williams in the Brandon, Florida area. I specialize in Brandon Homes for sale, Valrico, homes for sale, Lithia homes for sale, Riverview homes for sale, Apollo Beach homes for sale, and Plant City homes for sale. If you or anyone you know is interested in buying or selling a home in any of theses area I encourage you to give me a call at 813.777.5332 or email me at richkemper@kw.com. You can also visit me on the web at http://www.tamparealestate4you.com/ or at my FishHawk Ranch website which is the community that I live in at http://www.fishhawkhomesforsale.com/. I am also a CDPE - or short sale specialist so if you know anyone who is struggling to stay in their home please pass on my contact information. Keller Williams puts out a monthly real estate report which I will put on my blog monthly, so tune in to my blog if you like the report. Make it a great day!  Gradual improvement in the housing market continues at a steady pace without government support. Six months after two consecutive years of tax incentives for buyers; starting in July 2008 with a $7,500 repayable first-time buyer tax credit, extending to a $8,000 nonrepayable first-time buyer tax credit in January 2009, and ending in June 2010 with the expanded credit to repeat buyers; the market has shown remarkable improvement from the initial drop this past July. With mortgage rates remaining near historic lows and home prices having generally stabilized, economists are expecting further strength in 2011. Consumers are showing some signs that they’re feeling better: a significant boost in the food and services industry implies they are eating out more, vacations are back on the rise as spending on travel and tourism increased 8% in the third quarter, and household net worth has risen notably thanks to a strong stock market even as they continue to shrink their debt. As the economy improves, current stimulus efforts by the government and the Federal Reserve Board are expected to gradually wind down, which typically means rising interest rates. Meanwhile, buyers continue to benefit from historically favorable buying conditions and sellers enjoy increased stability in the market. Home Sales in millions The uptrend in existing home sales activity continued through December, increasing by a substantial 12.3% from a month ago. This marks the fifth monthly increase in the past six months and indicates a recovery that’s gaining a firmer footing. While home sales remained 2.9% below the level seen last year, the market’s upward momentum, despite the absence of the tax credit, is a welcoming sign. Home Price in thousands Home prices softened in December: median home prices edged down slightly to $168,800, 1% below the year-ago level. Contributing to this is a larger share of distressed homes sales which accounted for 36% of sales in December. This is compared to 33% in November 2010 and 32% in December 2009. Prices continue to hold steady and mortgage rates remain historically low, offering favorable buying opportunities. Inventory- Month's Supply in months The surge in home sales and a shrinking inventory pared down the month’s supply to 8.1 months. This is down 1.4 months from November but remains 0.9 months above last year at this time. While still at a relatively high level historically, months of inventory has declined steadily from its peak of 12.5 months in July and is now back to pre-tax credit expiration levels. Source: National Association of Realtors - December housing data released Janurary 20. Interest Rates Mortgage rates are inching up but remain historically low. This trend continues to support home buying, as it translates to significant savings for buyers. As overall economic recovery remains on track, rates are expected to rise to keep inflation in check. Type Rate 30 year fixed 4.81% 15 year fixed 4.08% 5/1-year ARM 3.69% 30 year average for a 30 year fixed rate mortgage 8.9% Source: Freddie Mac, Rates as of Feb 7 . This Month's Video Topics For Home Owners, Buyers & Sellers   ‘Anti-Flipping’ Waiver Extension In 2003 the Federal Housing Administration (FHA) feared that flipping homes was the cause of the skyrocketing home prices throughout individual neighborhoods. Because of this, the FHA no longer approved property loans that were resold within 90 days of the original purchase, with the exception of foreclosures owned by government sponsored enterprises (GSEs) such as FHA, Fannie Mae, and Freddie Mac. The anti-flipping rule is designed to help protect the FHA’s mortgage insurance program and federally chartered financial institutions from losses. In February 2010, the FHA initiated a one-year suspension on the regulation that prevented “flippers” from purchasing single-family homes and releasing them into the market within 90 days. Since then, the FHA says it has insured 21,000 loans that had exchanged hands within the previous 90 days. The loans are worth more than $3.6 billion and would not have qualified for financing before suspension. An analysis of these loans suggest they do not present a greater credit risk than other loans, which lent support to the suspension’s extension.  The government sent a notice to banks in mid-January of 2011 in which it announced the extension of the waiver through the end of the year. According to FHA Commissioner David Stevens, the purpose of the extension was to accelerate the resale of REO properties in neighborhoods where there is a high rate of foreclosure. This will facilitate the purchase of homes that have recently been “flipped.” As a result, foreclosed properties will be moved off the market faster, reducing the amount of vacant homes in neighborhoods throughout the United States. Limitations considered by the FHA consist of the following: 20% Rule. If resale is higher than 20% of the original price, one must show proof of justified price. For example, if a $200,000 house is purchased and the resell price is $245,000, the house must undergo additional underwriting guidelines, which is considered a double appraisal. Title Hold. No simultaneous closings are allowed when the seller holds a property. In other words, back-to-back, same-day closings to an FHA end-buyer is prohibited. Short-term Funding. Investors must come up with short-term funding of the 30-to-60-day variety if their desire is to buy/fund and in order to sell to an FHA end-buyer. Previous Flips. A property cannot show signs of prior flipping activity. If so, the FHA has the right to object. Transactions at Arm’s Length. Transactions must show no identity of interest between the buyer and the seller or other parties that participate in the sale of a property. Overall, this will help lower holding costs for investors/flippers allowing them to continue flipping more properties. In return, this will help bring more desirable homes to the market for first-time home buyers. Source: Inman News, ReatlyTimes.com	Contact me, your local real estate expert, for information about what's going on in our area. Rich Kemper 813.777.5332 getrichquick2@aol.com http://www.fishhawkhomesforsale.com/ http://www.tamparealestate4you.com/
Brought to you by KW Research. For additional graphs and details, please see the This Month in Real Estate PowerPoint Report.  The opinions expressed in This Month in Real Estate are intended to supplement opinions on real estate expressed by local and national media, local real estate agents and other expert sources.  You should not treat any opinion expressed in This Month in Real Estate as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion.  Keller Williams Realty, Inc., does not guarantee and is not responsible for the accuracy or completeness of information, and provides said information without warranties of any kind.  All information presented herein is intended and should be used for educational purposes only.  Nothing herein should be construed as investment advice.  You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  All investments involve some degree of risk.  Keller Williams Realty, Inc., will not be liable for any loss or damage caused by your reliance on information contained in This Month in Real Estate.

ARE INTEREST RATES ON THE RISE?

Here is the latest chart on interest rates from Bankrate, Inc. Most of us are stuck in our homes upside down, but there are a fortunate few out there that are just entering the market as first time buyers. And there are investors and renters that are waiting for the right time to buy. There are many factors, some personal, that help people choose when to make a home purchase in the current market. Some of us follow home prices and the prices continue to drop, but recent sales show a growth in the number of sales. but what about interest rates? Are interest rates something to whatch and help make a decision as to when the time to buy is? Absolutely! A minor increase in interest rates can have a measurable difference to your mortgage payments. I love bars and graphs verses just stats because stats show a picture over time. The trend I see is that interest rates are starting to inch up. We all know that can't stay where they are forever. It would be nice, but not realistic. I guess my comment about the graph is that if you are considering purchasing a home now may be the right time while prices are low and interest rates are still low when compared to the past 10 or 20 years. When I graduated from college and bought my first home the interest rate was at 9%. I just helped a couple purchase their first home and their mortgage rate was 4%. I told them they wouldn't understand how low 4% is until they have lived a while and understand where interest rates have been historically. 

Anyway, if you or anyone you know is interested in buying a home in the Tampa Bay area give me a call at 813.777.5332 or email me at RichKemper@kw.com. I specialize in the Brandon area which includes Brandon, Valico, Lithia, Riverview, Apollo Beach, and Plant City. I have a website for the community I live in, FISHHAWK RANCH or if you are interested in the other areas like Brandon, Valico, Lithia, Riverview, Apollo Beach, and Plant City the visit MY OTHER WEBSITE.

If you are an investor or thinking about becoming one and would like a FREE list of bank owned homes in the area send me an email at RichKemper@kw.com and I will send you a list! 

. 

Rich Kemper

REALTOR, Keller Williams Realty

CDPE - Short Sale Specialist

PCS Military Relocation Specialist

Cell:  813.777.5332

Fax:  813.684.8400

Email:  getrichquick2@aol.com

www.fishhawkhomesforsale.com

http://www.tamparealestate4you.com/

I don’t work from 9 to 5. I work from start to close!

HAVE YOU HEARD OF FISHHAWK RANCH?

FISHHAWK PROPERTIES FOR SALE/RENT

Hi, my name is Rich Kemper and I am a realtor with Keller Williams Realty. I am also a homeowner just like many of you, and I live in the wonderful FishHawk Ranch community. If you are looking for a wonderful community to live in then perhaps FishHawk may be a community you want to look at. I specialize in FishHawk homes whether it be FishHawk homes for sale or FishHawk homes for rent. Below are some links in case you want to find out more about the community.

Fishhawk Ranch, was voted Best New Home Community by the Tampa Bay Builders Association, is a master-planned community developed by Newland Communities. Fishhawk Ranch is located in southeast Hillsborough County, about 25 miles east of downtown Tampa, and is comprised of 3000 acres and is bordered by 2000 acres of county owned nature preserve land. It’s been my home since 2005 and I would love the opportunity to show you around one of the most wonderful communities in all of Florida! If you are looking for “A” RATED schools this community has them at the elementary, junior high, and high school levels! If you are looking for FishHawk rentals or a FishHawk homes for sale please free to contact me directly at 813-777-5332 or you can email me at RichKemper@KW.com and I will sed you a list of available properties.

Please visit my FishHawk Ranch website at http://www.fishhawkhomesforsale.com/  

Amenities include:

Park Square Town Center, a 30,000 sq ft of office and specialty shop space that has dancing fountains that the young ones love to play in, and a large lawn area where families gather on the weekends for free live concerts, shows, and special events depending on the time of the year.

Walking Trails: Over 30 miles of community trails to run, walk, or ride your bike. The trails weave throughout the community and are scenic with creeks, ponds, plant life, wildlife, and educational markers along the trails.

 Aquatic club: A competition sized swimming pool, a lagoon pool with a water slide, and a beautiful clubhouse than can be reserved for parties.

Osprey Club: A clubhouse that includes a state-of-the-art theatre with stadium seating, a nice gym, and a Junior-Olympic swimming pool and children's water playground. Next to the pool are lighted tennis and basketball courts and a playground.  

Palmetto Club: A nice reception hall and ballroom perfect for weddings, anniversary parties, and special events. Additional features include an outdoor veranda, garden areas, a conference room, and a catering kitchen.

 Make it a great day!

WHAT IS A SHORT SALE ANYWAY?

WHAT IS A SHORT SALE ANYWAY?

As a realtor, I am very familiar with what a foreclosure home is. In fact, I have CDPE designation which stands for Certified Distressed Property Expert. As foreclosures have been in the news for years now I thought most everyone was familiar with the term, but just the other day I had a home owner on a listing appointment ask me "what does foreclosure actually mean anyway?" I thought I would write a blog about it and try to explain in some basic terms for those who are interested.

We have banks and other lenders who loan money to people to buy real estate. The person who borrows the money promises legally to pay a specific amount of money each month for a set period of time or until the loan is paid off. This is called a mortgage and I think everyone is familiar with the term. It's when someone defaults or stops paying the monthly mortgage that the wheels of foreclosure are set into motion. State laws are different so I don't want to get into time-frames other than to say that once you stop paying your mortgage, after a few months the lender starts building its case to foreclose on the property.

There are two terms thrown around out there, one is what is called a SHORT SALE and the other term is called a BANK OWNED HOME or sometimes called an REO. Today’s blog is about SHORT SALES.

What is a short sale?

A short sale is when the lender agrees to take less for the home to satisfy the note than what is owed on the home. Here is an example. Let's say you bought a home 3 years ago for $225,000.00 and you owe $200,000.00. You were making your payments until three months ago when you lost your job....(there are many real people out there suffering from this). With things not getting any better and your reserve funds running out and the lender sending you letters that they are starting the foreclosure process you decide you must sell your home, so you call a realtor. You are given the bad news that your home is only worth about $150,000.00. A good realtor is now going to become a consultant and explain your options and advise you to speak with a lawyer to decide if you are a short sale candidate or if a foreclosure would be your best option. For the sake of this blog you a short sale candidate. So, we put your house on the market at a fair market or just below fair market price. We wait until we have an offer (in most cases) and then we go to your lender with our offer and ask if they will approve a short sale. Let's say the offer is $140,000.00 leaving you $60,000.00 of paying off your mortgage note. If they approve the short sale what they are saying is that they will let you sell your home for $60,000.00 less than what you owe them...thus the term SHORT SALE...it's being sold short of what is owed. There is more going on than this, but this is a simplistic way to at least understand what a short sale is. I'm sure you want to know what does it cost an individual who short sales his home because the bank isn't just going to say oh well, we understand you had some personal issues. No, there is a cost and again speaking in general terms, you take a hit to your credit or beacon score and there is a real possibility that the lender will ask you to sign a promissory note for some amount of money. The good news is that in 2 years as long as you work on restoring your credit and don't have any other issues with paying creditors are eligible to get back into the housing market and buy a home again!
My next blog will be on the other type of foreclosure which is when the bank takes your home from you. Stay tuned and questions are always welcome!

My contact info and websites are listed below. See me on the web at http://www.fishawkhomesforsale.com/

PROMISING STATISTIC FOR HOUSING MARKET!!! 2/2/11 SALES ARE UP FOR 6TH MONTH IN A ROW!

As a real estate agent I am always interested in the most recent statistics on the housing market. But not only real estate agents are interested in the most recent statistics and trends in the real estate market. Anyone who owns a home is interested in where the maket is and where it's going as most of us are upside down in our homes and can't move even if we wanted too! Click on the link below to watch a video sent to me in my email this morning 2/3/11 from NAR (National Association of Realtors). 

   NAR VIDEO ON LATEST REAL EASTATE STATISTIC

DON'T FORGET ABOUT THE ROAD RACE THIS WEEKEND FEBRUARY 5, 2011

For all of you runners out there, this is a nice well established race that is run very well! It's the 14th Annual FishHawk Ranch Road Race  and is is taking place on Saturday February 5, 2011. The races begin at 8 a.m. and 9:30 a.m. at Park Square, and will consist of a chip-timed 5K, 10K and a one-mile kid’s race. The new chip-timed races are pretty cool!. You attach the chip to like your shoe lace etc. and this makes the times exact. Pretty cool technology! What will they come out with next. Last year there were about 800 runners and it grows larger each year.
If you are a runner you have to come and try this race out. Race shirts are guaranteed for the first 500 adults and 100 kids registered and the cost to enter is $30 for adults and $15 for kids. If you want to go ahead and register, visit http://www.fishhawkranch.com/ where you can register online or print out the registration form. With the recent increase of new home construction in the area parking is a bit harder to find, but have no fears, runners and visitors can take advantage of parking available at the town center as well as the Palmetto Club and the Aquatic Club.
 Come on out and visit our wonderful community. If you are interested in moving in to our community and just want to look at what is for sale sale go to my website at http://www.fishhawkhomesforsale.com/ and look around or give me a call. I specialize in FishHawk homes for sale, Lithia homes for sale, Riverview homes for sale, Apollo Beach homes for sale, Valrico homes for sale, Brandon homes for sale, and Plant City homes for sale.

Rich Kemper

REALTOR, Keller Williams Realty

CDPE - Short Sale Specialist

PCS Military Relocation Specialist

Cell:  813.777.5332

Fax:  813.684.8400

Email:  getrichquick2@aol.com

www.fishhawkhomesforsale.com

www.tamparealestate4you.com

I don’t work from 9 to 5. I work from start to close!