As a US Navy veteran I take great pride in helping fellow service men & women, from all branches of service, Navy , Marine Corps, Army Air Force & Coast Guard Achieve their dream of home ownership. Weather you are active duty, a US Veteran or retired it is important to understand one of the most important benefits provided to you by the USA Government; the VA Guaranteed Loan! The Department of Veterans Affairs does not make any loans, instead they provide a guaranteed to banks and other lenders for lending you money to buy a home. What is a VA Guaranteed Loan? You can use you VA- Guaranteed loan to: VA Guarnteed loans are made by private lenders, such as banks, savings & loans, and mortgage companies. As with any loan you must apply directly to the lender. Your real estate agnet/broker can help you in finding a VA approved lender. When the loan is approved, VA will guarantee an amount equal to 25% of the Freddie Mac conforming loan limit for single – family homes. For the state of Florida that loan limit is currently $417,000. These limits are subject to change each year. Because of the VA guarantee, you are able to purchase a home with ZERO money down! With a great real estate agent representing you interested as a buyer you are also many times able to negotiate terms for the contract which may include the seller paying your closing costs in an amount not to exceed 4% of the purchase price. This allows the Veteran to buy a home many times with no or very little money out of pocket. Who is eligible? Generally, the following persons are eligible: How can you apply for a VA Guaranteed Loan? You can apply by having a VA approved lender obtain your Certificate of Eligibility by completing VA Form 26-1880, Request of Eligibility for VA Home loan Benefits. The certificates are issued by VA’s Loan Eligibility Center in Winston-Salem, North Carolina to eligible persons who apply for the certificate. The eligibility center can be reacehed by calling toll free at 1.888.244.6711 or online at http://www.homeloanss.va.gov/elegibility.htm Often times, your lender may be able to access VA’s secure web site and obtaing the certificate for you.
| The Worker, Homeownership, and Business Assistance Act of 2009 has established a tax credit of up to $6,500 for qualified existing home owners purchasing a principal residence after November 6, 2009 and on or before April 30, 2010. Homes with a binding sales contract signed by April 30, 2010 must close by June 30, 2010 to qualify for the tax credit.
The law defines a tax credit qualified move-up home buyer as a person who has owned and lived in the same home for at least five consecutive years of the eight years prior to the purchase date. For married taxpayers, the law tests the homeownership history of both the home buyer and their spouse. The tax credit is equal to 10 percent of the home's purchase price up to a maximum of $6,500. Purchases of homes priced above $800,000 are not eligible for the tax credit. Repeat home buyers do not have to purchase a home that is more expensive than their previous home to qualify for the tax credit. The maximum income limit for single taxpayers is $125,000 and $225,000 for married taxpayers filing a joint return. The tax credit amount is reduced for buyers with a modified adjusted gross income above those limits. To learn more, please contact me and let's get started! |
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The Worker, Homeownership and Business Assistance Act of 2009 has extended the First Time Home Buyer Tax Credit of up to $8,000 to qualified first time home buyers. The tax credit now applies to sales occurring on or after January 1, 2009 and/or before April 30, 2010. Homes under contract by April 30, 2010 will qualify for the tax credit if closed by June 30, 2010. The First Time Home Buyer Tax Credit is equal to10% of the purchase price up to $8,000. To qualify for the Tax Credit a First Time Home Buyer is someone who has not owned a primary residence during the three years period prior to the purchase. For married couples, the law tests the ownership history for both the home buyer and the spouse. For sales occurring after November 6, 2009 the income limits for single taxpayers is $125,000 and for married tax payers filing joint returns $225,000. The tax credit amount is modified for taxpayers exceeding those income limits. The purchase price for the home has to be equal to or less than $800,000. To learn more about the advantages of the first time home buyer tax credit give us a call at 727.247.6355 and we'll be glad answer any questions that you may have concerning the tax credit. Always seek the advice of a qualified tax advisor on this or any other tax related matters. |
Dear Homeowner(s),
Do you think being first is important? When it comes to selling homes for more I can assure you it does. Featured Homes on REALTOR.com® are seen 10 times more often,¹ on average and this increased exposure can translate into potentially greater demand for your home and help it sell for more.
I am pleased to be one of the few REALTORS® in New Port Richey utilizing the most powerful online real estate marketing program in America - the Featured HomesTM Marketing System on the #1 real estate site, REALTOR.com® .² When potential home buyers search for homes for sale, they will see your home prominently displayed first, with a full color photo, at the top of the page on REALTOR.com®. Through powerful relationships, your home will also appear on MSN®, the Wall Street Journal online, and over 50 additional real estate and franchise sites.
You can now benefit from this enhanced presence on REALTOR.com®, where your home will stand out to more than 5.7 million individuals each month. 1 Couple this with the fact that home buyers and sellers spent 78% of the time they spent searching for a home online on REALTOR.com®,3 and it's easy to see the powerful impact my Featured HomeTM spot can have for your home.
This is just one of the key ways I leverage recent changes in home buyer online behavior to get your home the maximum exposure it deserves when you are ready to sell. I invite you to visit my personal website at www.wallytorres.com to learn about my commitment to real estate marketing, or if you prefer, you can call me at 727.247.6355.
I would be delighted to meet with you in person to demonstrate how I can use the REALTOR.com® Featured HomesTM Marketing System and Future Home Realty's expert marketing resources to powerfully market your home.
Sincerely,
Oswaldo "Wally" Torres Future Home Realty
¹ Based on REALTOR.com® internal analysis for May 2007 average measure of property views with Featured Homes versus property views for non-Showcased Listings REALTOR.com® each month of 2007 Net Ratings - ® and other comparable real estate aggregation sites and excluding sites of franchisors/brokers
Choose a Realtor who is with you every step of the way! We help you; Plan Effectively, Purchase Confidently, & Sell Successfully! Selling or Buying? Let us help you in this challenging market.
For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing your new home. To protect your interests and assure that you make the best possible decisions, it's important that you have an agent on your side who is an expert in the local real estate market.
As your agent, my focus is on getting you the best possible home at the best possible price. I will work hard not only in finding you potential new homes to see, but also in keeping you informed of everything that takes place. As your agent and a top expert in the local market, I'll negotiate the best prices and terms for you and answer all of your questions as they arise. I'll be representing you, not the seller. This assures that my experience and expertise in the local market will be used in your best interests during the negotiation process.
As your agent, I will:
Let me help you find your dream home and assure your best interests are protected throughout the entire process. Feel free to call or e-mail me with any questions you may have at any time or visit my website www.myrealestatedealsonline.com
People don't talk about it a lot. But finding the right real estate agent can be the difference between a happy, stress-free home buying or selling experience, and an unhappy, stressful experience.
First, you'll want an agent ready and able to make a full-time commitment to you. I can and will do that.
Second, you'll want an agent with the experience needed to know the local neighborhoods, schools, market conditions, ordinances, etc. With my years of experience in the local market - I have the expertise and track record of success you need.
Third, you'll want an agent who embraces the convenience of technology without losing the personal touch. You'll love the resources available on my website and the e-mail alerts that I send, but these will never replace the time I spend with you, serving as your personal guide through this exciting process.
Let's get together and talk about your home buying and/or selling plans. Call me at (7272476355) or send me an e-mail (wallytorres@futurehomerealty.com), we'll set-up a time that is easy and convenient for you to meet.
P.S. If you're not ready to meet in person, please tour through my website www.wallytorres.com. I'm sure you'll find the resources here useful and helpful. Enjoy!
Friend me @ www.facebook.com/wally.torres Follow me @ www.twitter.com/HUDREOFlorida www.myrealestatedealsonline.com Member of the National Association of Hispanic Real Estate Professionals - NAHREP Member of the Tampa Bay Real Estate Investors Association - TBREIA Member of the West Pasco Board of Realtors Approved Lender for the Tampa Bay CDC Down Payment Assistance Program Approved Lender for the Pasco County CDC Down Payment Assistance Program (SHIP)
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