Tampa Real Estate Sizzle…Your Best Source for Tampa Real Estate, Tampa Neighborhoods, South Tampa Real Estate, Florida Condominiums and The Latest News on The International Real Estate Market
Jackie Colson-Miller
Direct - (813)629-5757
Toni Everett Company
5000 Bayshore Blvd
Tampa, FL 33611
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'mortgage news'
New Lending Rules Will Affect Mortgages This Year…Tampa Real Estate News
Filed under: Buying a House in Tampa, Moving to Tampa, Tampa MLS Listings, Tampa Real Estate Market, mortgage news
If you are shopping for a home in the Tampa Real Estate Market, or anywhere in the U.S., the latest changes by the Fed, in the mortgage industry, will affect any new home loans issued after October.
You can read all of the new regulations concerning mortgages in an article from the National Association of Realtors.
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It is a “Buyer’s Market” in Tampa, with plenty of inventory of homes to choose from! I can help with your move to any Tampa neighborhood, including: South Tampa, Harbour Island, Davis Islands, Beach Park, Sunset Park, Hyde Park, Channelside, Culbreath Isles, Palma Ceia, Westchase, Waterchase, Odessa, Cheval, Avila, Brandon, Riverview, FishHawk, New Tampa, Tampa Palms, Hunter’s Green, Arbor Greene, Apollo Beach, South Shore, MiraBay, Golf Communities, Waterfront Homes, Luxury Homes in Tampa, Condos in Tampa and International Real Estate…contact me!
Posted by Jackie Colson-Miller | Click Here To Comment » | 07.15.2008
Changes in the Mortgage Industry Lead to a “Bumpy Road” in the Closing Process…Tampa Real Estate News
Filed under: Best Places in Tampa, Davis Islands Real Estate, First-Time Homebuyers, Golf course communities in Tampa, Historic Tampa, MLS Search, Tampa Neighborhoods, Tampa Real Estate Market, mortgage news
The Latest News on The Tampa Real Estate Market, Buying a Home anywhere in the World, and How to Buy Property in an ever-changing Real Estate Market!….
Today is closing day! With recent changes in the Mortgage Industry, title companies and mortgage companies seem to be “overwhelmed” and “understaffed”, which leads to a sometimes “bumpy road” from contract to closing. Real Estate agents need to be more involved in every aspect of a transaction these days, since I have seen less attention to detail every step of the way. I had to move into “bulldog mode”, just to get closing agents to pay attention to details, and deadlines. That was not the case in years past. This is a foreclosure, so the transaction was much more complicated than a typical closing. That will be a LONG article, for another day. Don’t miss it!
Wednesday is the ideal day for a closing! You can read WHY in my previous article on “Choosing The Right Day For Your Closing in Tampa.”
It is a “Buyer’s Market” in Tampa, with plenty of inventory of homes to choose from! I can help with your move to any Tampa neighborhood, including: South Tampa, Harbour Island, Davis Islands, Beach Park, Sunset Park, Hyde Park, Channelside, Culbreath Isles, Palma Ceia, Westchase, Waterchase, Odessa, Cheval, Avila, Brandon, Riverview, FishHawk, New Tampa, Tampa Palms, Hunter’s Green, Arbor Greene, Apollo Beach, South Shore, MiraBay, Golf Communities, Waterfront Homes, Luxury Homes in Tampa, Condos in Tampa and International Real Estate…contact me!
Posted by Jackie Colson-Miller | 1 Comment » | 05.21.2008
The Mortgage Forgiveness Debt Relief Act of 2007…How About Credit Amnesty?…Tampa Real Estate Market News
Filed under: Real Estate News, Short Sale, Tampa Real Estate, Things to Ponder, mortgage news
THE LATEST NEWS ON THE TAMPA REAL ESTATE MARKET, BUYING A HOME IN TAMPA, AND REAL ESTATE ISSUES AROUND THE WORLD, EVERY DAY, ON THE REAL ESTATE SIZZLE.
The Mortgage Forgiveness Debt Relief Act of 2007 
was passed recently. This is a big help to homeowners caught in the Real Estate market downturn who sell their homes for less than the mortgage amount, where the lender forgives the difference between the loan amount and the sale price. This is commonly known as a short sale .
Prior to the passage of the Act, that forgiven amount was considered taxable income by the IRS. So, not only did the homeowner lose their home, they had to pay taxes on the unrealized income. Horrible!
Some suggest that, along with Mortgage Forgiveness, we need some legislation concerning Credit Amnesty. Many homeowners caught in the trap of lowered home values, along with adjusting mortgages and tightened mortgage underwriting have a history of excellent credit. They have good FICO scores, excellent payment history and find themselves in dire financial straits with no options besides foreclosure, short sale and perhaps bankruptcy. Should some legislation be passed to help these, otherwise, good credit managers who found themselves in the “credit crunch”. I think it is worth some consideration.
Roberta Murphy, at Luxury Home Digest, writes an excellent article on that topic. What do you think?
I can help with your move to any Tampa neighborhood, including: South Tampa, Davis Islands, Beach Park, Sunset Park, Hyde Park, Culbreath Isles, Palma Ceia, Westchase, Waterchase, Odessa, Cheval, Avila, Brandon, Riverview, FishHawk, New Tampa, Tampa Palms, Hunters Green, Arbor Greene, Apollo Beach, South Shore, MiraBay, Golf Communities, Waterfront Homes, Luxury Homes in Tampa, Condos in Tampa and International Real Estatecontact me!
Posted by Jackie Colson-Miller | Click Here To Comment » | 11.07.2007
Foreclosures in Tampa and Mortgage Fraud…Who Missed the Signs?…Tampa Real Estate News
Filed under: Real Estate News, Short Sale, Tampa Real Estate, mortgage news
THE LATEST NEWS ON THE TAMPA REAL ESTATE MARKET, BUYING A HOME IN TAMPA, AND REAL ESTATE ISSUES AROUND THE WORLD, EVERY DAY, ON THE REAL ESTATE SIZZLE.
A recent story about Five foreclosures in upscale Tampa 
neighborhoods recently made the National news. As an ethical Real Estate agent, who doesnt miss a trick, I found myself reading the story and wondering how anyone involved in these transactions wasnt suspicious about the unusual circumstances in each one. I know hindsight is 20/20, but when something smells like a rat and looks like a ratusually its a RAT
All of the clients who have contacted me about the need to do a short sale, or trying to avoid foreclosure, werent trying to defraud anyone. They have gotten caught in the trap of higher payments and lowered market values. They have good credit and a good payment history, but they have reached the end of their financial rope. I wish the national news would spend more time talking about those buyers. Watch for my thoughts this week on THAT topic
Read the story and post your comments below
I can help with your move to any Tampa neighborhood, including: South Tampa, Davis Islands, Beach Park, Sunset Park, Hyde Park, Culbreath Isles, Palma Ceia, Westchase, Waterchase, Odessa, Cheval, Avila, Brandon, Riverview, FishHawk, New Tampa, Tampa Palms, Hunters Green, Arbor Greene, Apollo Beach, South Shore, MiraBay, Golf Communities, Waterfront Homes, Luxury Homes in Tampa, Condos in Tampa and International Real Estatecontact me!
Posted by Jackie Colson-Miller | 2 Comments » | 11.04.2007
Yes Virginia, There Are Mortgages Available!
Filed under: Buyers, Florida Real Estate, Real Estate News, Real Estate Trends, Tampa Real Estate Market, mortgage news
Are you buying real estate in Tampa, Florida, or anywhere in the U.S.? In the past few weeks, the demise of several mortgage companies and the restructuring of others, has real estate buyers wondering, Can I 
Still get a mortgage? .
The AnswerYESConventional loans under $417,000 are readily available, especially to those buyers with credit scores of 680 and higher.
Jumbo loans, those above $417,000, experienced an increase in the interest rate recently. Stated income loans, those requiring no documentation, and other similar mortgage products are the types of loans that will be increasingly hard to obtain, especially for the self-employed person, and are undergoing tougher scrutiny in the underwriting process.
The Bottom Line? If you have a good credit score, verifiable income, a debt-to-income ratio within certain limits, and the house appraises for the purchase price, or higher, you should be able to get financing.
The best source of a reputable lender is always an experience real estate agent. If you are buying a home in Tampa, please contact me for the a lender who best suits your needs.
If you enjoyed this article, you should also read…Choosing the Right Day for Closing!
Posted by Jackie Colson-Miller | 4 Comments » | 08.24.2007
HomeBanc Leaves the Mortgage Industry!
Filed under: Real Estate News, mortgage news
In the midst of the downturn in the real estate market, and an increasing number of foreclosures due to the large number of investor loans, one of the largest mortgage companies in the Southeast has announced its exit from the mortgage origination business. HomeBanc, based in Atlanta, stopped funding all mortgages on Monday, due to a lack of liquidity.
HomeBanc has been a major player on the Tampa mortgage scene for the past few years. Known for their personable loan officers and a quick response time from their in-house underwriters, this is a loss to the local mortgage industry.
Countrywide, Americas largest lender, will take over some of HomeBancs assets and will offer positions to its employees.
What does this trend in the mortgage industry mean to the local home buyer?
Mortgage Brokers, where a loan officer can shop your loan with several different lenders will be a better option for many buyers
No income verification loans and No Documentation loans which have been so popular in the past few years, and common for self-employed individuals, will be much harder to obtain due to more stringent requirements and a more thorough underwriting review process.
Credit Scores are more important than ever, as lenders tighten their loan requirements, so monitor your score and keep the debt on your credit cards below the 50% of credit line mark.
Ask sellers to pay a portion of your closing costs. You may get a better loan program at a slightly higher interest rate.
The best source for a reliable mortgage lender is an experienced Real Estate Agent. If you need help with a mortgage referral, please contact me!
Posted by Jackie Colson-Miller | 6 Comments » | 08.07.2007
