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Florida still has the nation's highest foreclosure rate almost 3x the national average. Florida Real Estate News - Florida Short Sale Update  Home Relocation - Update on Florida Mortgage Foreclosures - Real Estate Buyer Tips - Foreclosure Florida News - Fannie Mae Short Sales Update on Florida Short Sale Tax Breaks - Info on foreclosures short sales Florida foreclosure numbers. Discounts on Florida mortgage rates - Home buyers Low ball and all cash Housing prices on the rise and there is more good housing news  Consumer Real Estate housing fraud is explored - Data to consider for real estate mortgage credit scores - Loans getting harder to get real estate mortgage preparation Sample of personal web sites built for buyers Income Condos - Sample Investment Condos - Florida Zeroscaping Maintenance Free Yards

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When you search real estate web sites on the internet and review listings, many times you can not determine if they allow pets for condos. You cannot determine the size of a boat slip or the depth of the water. How long the home or condo has been on the market. When you contact us with your criteria. We then run a full search and email you all real estate that meets your desires. We are Buyer Agents who only represent Florida real estate buyers.

Waterfront Tampa Bay Condos
$539,000 - FL Gulf Beach Condo Income $70K
$399,000 - Beach Front Fl Condo Clearwater
$359,000 - $49K Income FL Beach Condo
$344,900 - Condo on Beach Indian Shores FL
$340,000 - Clearwater Beach Gulf Front Condo
$314,900 - Retirement Condo Clearwater Beach
$299,000 - Waterfront Villa w Boat Slip St Pete
$289,000 - Waterfront Condo St Pete Beach FL
$269,000 - Redington FL Waterfront Condo 2/2
$260,000 - Waterfront St Pete Beach Condo
$259,900 - Condo in St Petersburg Florida
$229,900 - Largo Florida Waterfront Villa 2/2
$199,900 - 2/2 Waterfront Condo Mid Pinellas
$185,000 - Clearwater Beach FL Condo
$139,900 - Tampa Bay Florida Condo 2/2
$129,000 - Waterfront Condo Pasco FL
Details on Any Above and More Here

$219,900 - Waterfront Foreclosure FL Condo
$179,000 - 4Br Foreclosure Clearwater FL
$170,000 - 4Br Pinellas County FL Town Home
$143,000 - Foreclosure FL Condo Waterfront
$134,900 - Foreclosure Condo Palm Harbor FL
$101,000 - 3Br Tarpon Springs Florida Condo
$89,900 - Pinellas FL Foreclosure Condo 3BR
Foreclosure Condos More Here

Waterfront Tampa Bay Homes
$529,000 - Crystal Beach FL Pool Home
$375,000 - Waterfront Pasco FL Pool Home
$325,000 - 4Br Tampa Bay Waterfront Home
$321.000 - Sailboat Water Home Pasco FL
$249,000 - Tampa Fl Home Sailboat Water
$219,900 - Waterfront Pasco Florida Home 3Br
$199,000 - Waterfront Gulf Access Home
$189,900 - Deep Water Home Pasco County
$179,000 - Waterfront FL Home for Boating
$179,000 - Waterfront Florida Updated Home
$173,900 - Condo w Boat Slip 3Br Pasco FL
$172,000 - Waterfront Home Pasco Florida
$129,000 - Deep Water Gulf Access Home
$129,000 - Pasco County Home on Canal
$124,900 - 3Br Waterfront FL Home on Canal
$99,900 - Waterfront Gulf Access FL Home
Details on Any Above and More Here

$108,900 - Canal Home Hudson FL Foreclosure
$125,000 - Dunedin FL Foreclosed 3Br Home
$210,000 - Foreclosure Palm Harbor FL 4Br
$270,000 - Foreclosure Home Dunedin FL 4Br
$289,900 - 4Br Foreclosure Dunedin FL Home
$291,500 - Bank Owned Pinellas FL Pool Home
$469,900 - Waterfront FL Foreclosure Home
Foreclosure Homes More Here

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Realtors in Florida and lenders have learned to cope with distressed properties in a way that stabilizes the market.

Over 3 million homes and condos have been foreclosed in the last 3 years. A few million more will likely foreclose in the next 3 years. Analysts say more than 10 million households owe more on their mortgage than their real estate is worth.

tampa bay florida real estate for sale homes condos gulf beaches waterfront foreclosuresSEARCH LIKE AN AGENT Start Your Own Free Personal Real Estate Account
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Florida Gulf Beach Condos - Variety of Gulf Front Condos - Investments - Rental Income - Condo Hotels

Homes Under $150,000 
Foreclosure Florida Homes Under $150,000
Best Prices on Boating Waterfront Homes with Gulf Access Pasco Gulf Harbors Map
FREE SEARCH CONDOS  Under $150,000   $150,000 to $250,000 More info Click Here

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We typically negotiate asking prices down for our buyers in this market. Do the math and be a wise buyer.
Searching for a Waterfront Condo or Home with direct Gulf boating access or on a Golf Course or Lakefront property Click Here

Mortgage Loan News 2014 - Financing costs are still low. You can get a 30 year mortgage around approximately 4.5 percent. If you put down 10 percent and the house is up 5 percent, then you would be up 50 percent on your investment. And you've locked in the cost over the next 30 years. The cost of owning is somewhat less than renting. Rent typically goes up every year. But on a 30-year mortgage, the cost is fixed.

Average Percent of Original Asking Price Received January 2013 - 92.9% and January 2014 - 93.2%

Jan 2013 to Jan 2014 - The percentage of Closed Sales which were All Cash Sales averaged 71% . Cash Sales can be a useful indicator of the extent to which investors are participating in the market. Why? Investors are far more likely to have the funds to purchase , whereas the typical buyer requires a mortgage or some other form of financing.

Florida had the highest rate of seriously delinquent mortgages in August 2013 with 12.4 percent of its mortgages past due for 90 days or more. That was more than twice the national delinquency rate of 5.3 percent of loans.

Some banks say that they’re holding off on the preapproval until they see the real estate appraisal. Until then, they prefer a prequalification, which tells borrowers the average size of loan they can qualify for based on stated income and based on an average of mortgage rates. It’s not as formal as a commitment for a loan. Preapprovals are usually binding for two to three months.

Is a down payment on a house tax deductible? Unfortunately, it is not deductible. As a general rule, buyers can factor the following in as deductible on their annual IRS income taxes: Mortgage loan interest - Real estate taxes - Closing fees (points) that decrease the rate of the mortgage loan - Mortgage insurance required on all FHA and VA loans, and on conforming or conventional mortgages higher than 80 percent loan-to-value (LTV).

The Federal Housing Finance Agency, which oversees the two government-controlled mortgage finance companies, sued 18 major banks over their sales to Fannie and Freddie of about $196 billion in mortgage securities that soured when the housing market collapsed in 2007.

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Custom Waterfront Condo Under Contract 6 Days After Listing
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Property Insurance Florida In 2002, the Florida Legislature passed a law creating www.citizensfla.com Citizens Property insurance Corporation, which more efficiently and effectively provides insurance to homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market.
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FREE SEARCH HOMES  Under $150,000   $150,000 to $250,000 More info Click Here
In the last few years, International buyers have been largely cash buyers. 91 percent of Canadians who bought real estate property in Florida paid cash, 90 percent of Western Europeans, and 88 percent of Venezuelans, according to the latest international report by the National Association of Realtors.

Florida's real estate sales continue to show gains compared to the same time a year earlier. Due to falling real estate prices and rising foreclosures - sales of existing homes rose to its highest percentage according to a report issued by the National Association of Realtors (NAR). The increase resulted from buyers responding to improved housing affordability conditions

We Specialize in Gulf Front, Waterfront, Pre Construction Real Estate, Investments, Luxury Estates, Multi Million Dollar Properties. Serving the 6 County Tampa Florida Area of Pinellas County, Pasco, Hillsborough, Hernando, Manatee and Sarasota.

Real Estate Investments for Canadians, Brits and European Investors - Note this is a Florida buyers market and the dollars decrease returns increased value to overseas buyers. Many of the units can be purchased for your vacation and rented for income when you are not using the property. We represent Buyers and NOT Sellers. We have a long record of negotiating asking prices down through extensive research that is relayed to our buyers for consideration and offers. Questions or Assistance - Email Us

Short sales might be a good deal if you have the time. You may have to be rejected many times before somebody accepts accepts your offer.

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Waterfront with Boat Slips, Gulf Access Luxury Estates, Investments and Retirement Units