Vivian Resnick 1% Real Estate Listings Tampa Bay, Florida
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    • 19611 Cypress Bridge Dr, Odessa, FL 33556
    • 8705 Coastal Key Way, Parrish, FL 34219
    • 2819 1st Ave S, Saint Petersburg, FL 33712
    • 2589 Redwood Circle, Clearwater, FL 33763
    • 2127 Scotland Dr, Clearwater, FL 33763
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    • 541 delMar Terrace South, St. Petersburg, FL 33701
    • 12116 N 52nd Street, Temple Terrace, FL 33617
    • 537 DelMar Terrace South, St. Petersburg, FL 33701
    • 10214 Woodford Bridge E St, Tampa, FL 33626
    • 9410 Alanbrooke St, Temple Terrace, FL 33637
    • 23739 Forest View Dr., Land O Lakes, FL 34639
    • 15722 Gardenside Lane, Tampa, FL 33624
    • 3001 South Kings Ave, Brandon, FL 33511
    • 12408 N 52nd St, Temple Terrace, FL 33617
    • 5115 Tillery Rd, Lakeland, FL 33812
    • 2924 W Douglas St, Tampa, FL 33607
    • 14415 Seattle Slew Lane, Sun City Center, FL 33573
    • 1617 Heather Pl, Palm Harbor, FL 34684
    • 6023 Blue Sage Dr, Land O' Lakes, FL 34639
    • 1200 Hillcrest View Loop, Apopka, FL 32703
    • 510 32nd Ave North, St. Petersburg, FL 33704
    • 517 Portland Circle, Apopka, FL 32703
    • 1132 26th Ave S, St. Petersburg, FL 33705
    • 5135 Tillery Rd, Lakeland, FL 33813
    • 1597 Doves View Circle, Auburndale, FL 33823
    • 7749 Ridge Rd, Seminole, FL 33772
    • 2120 Corbin Place #F, Palm Harbor, FL 34683
    • 5901 Phoebenest Dr, Lithia, FL 33547
    • 8007 Hampton Lake Dr., Tampa, FL 33647
    • 2051 High Ridge Dr, Clearwater, FL 33763
    • 1811 Marvy Ave, Tampa, FL 33612
    • 2138 1st Ave. N., St Petersburg, FL 33713
    • 2573 Redwood Cir, Clearwater, FL 33763
    • 15722 Gardenside Ln, Tampa, FL 33624
    • 2084 Forest Dr, Clearwater, FL 33763
    • 2800 Thistle Court S, Palm Harbor, FL 34684
    • 5627 Ashley Oaks Dr #32, Tampa​, FL 33617
    • 2014 Hillwood Dr, Clearwater, FL 33763
    • 2127 Scotland Dr, Clearwater, FL 33763
    • 14015 Citrus Crest Cir, Tampa, FL 33625
    • 12000 Gulf Blvd, Unit 406-N, Treasure Island, FL 33706
    • 17626 Shadyside Cir, Lutz, FL 33549
    • 5531 Rosehill Rd #103, Sarasota, FL 34233
    • 828 Peggy Ray Dr, Dunedin, FL 34698
    • 5616 Fieldspring Ave, New Port Richey, FL
    • 28637 Falling Leaves Way, Wesley Chapel, FL 33543
    • 2599 Blackwood Cir, Clearwater, FL
    • 2524 Wynnewood Dr, Clearwater, FL
    • ​2163 GREENBRIAR BLVD, CLEARWATER, FL
    • 14916 Potterton Cir, Hudson, FL 34667
    • 14844 Potterton Cir, Hudson, FL
    • 7303 Blue Beech Dr, Riverview, FL 33578
    • 115 Shelby St., Auburndale
    • 32006 Northridge Dr, Wesley Chapel, FL 33545
    • 5831 Crest Ln, Lakeland, FL 33812
    • 19725 GULF BLVD #405, INDIAN SHORES, FL 33785
    • 5953 Caldera Ridge Dr, Lithia, FL 33547
    • 11746 Holly Creek Dr, Riverview, FL 33569
    • 6553 Hidden Beach Cir, Orlando, FL 32819
    • 15414 Peach Stone Pl, Ruskin, FL 33573
    • 116 W Sligh Ave, Tampa, FL 33604
    • 11735 Knights Griffin Road, Thonotosassa, FL 33592
    • 18400 Gulf Blvd, #1206, Indian Shores, FL 33785
    • 7524 Lindenhurst Dr., Orlando, FL 32836
    • 6414 Windwood Ct, Tampa, FL 33634
    • 14157 Fennsbury Dr, Tampa, FL 33624
    • 11306 Leland Groves Dr, Riverview, FL 33579
    • 8022 W POCAHONTAS AVE, TAMPA
    • 10200 POINTVIEW COURT, ORLANDO, FL 32836
    • 4005 W CLEVELAND ST, TAMPA, FL 33609
    • 150 Granada Way, Winter Haven, FL
    • 14700 GULF BLVD Unit #201, MADEIRA BEACH, FL 33708
    • 1010 ROBERTA RD, LAKE WALES, FL 33853
    • 24288 RIVERFRONT DR, PORT CHARLOTTE, FL 33980
    • 7964 PUTNAM CIR, NEW PORT RICHEY, FL 34655
    • 3525 MEXICALI ST, NEW PORT RICHEY, FL 34655
    • 2124 Rivers Edge Ct, Clearwater, FL 33763
    • 7558 TAMARIND AVE, TAMPA, FL 33625
    • 7537 TAMARIND AVE, TAMPA, FL 33625
    • 2473 Kingfisher Ln #i202, Clearwater, FL 33762
    • 3701 45TH TER W, #108, BRADENTON, FL 34210
    • 716 Chatham Walk Dr, Ruskin, FL 33570
    • 1438 Watermill Cir, Tarpon Springs, FL 34689
    • 3011 W Harbor View Ave, Tampa, FL 33611
    • 14700 Gulf Blvd APT 302, Madeira Beach, FL 33708
    • 4431 Clubhouse Rd, Lakeland, FL 33812
    • 18400 Gulf Blvd, # 1206, Indian Shores, FL 33785
    • 6312 Chauncy St. Tampa, FL 33647
    • 14675 Pine Glen Cir, Lutz, FL 33559
    • 14700 Gulf Blvd APT 103, Madeira Beach, FL 33708
    • 14700 Gulf Blvd APT 504, Madeira Beach, FL 33708
    • 14700 GULF BLVD #501, MADEIRA BEACH, FL 33708
    • 14331 Italia Dr. Wimauma, FL 33598
    • 14700 Gulf Blvd #102, Madeira Beach, FL 33708
    • 14700 Gulf Blvd #505, Madeira Beach, FL 33708
    • 14700 Gulf Blvd #303, Madeira Beach, FL 33708
    • 4005 W Coachman Ave, Tampa, FL 33611
    • 10601 Massimo Dr, Wimauma, FL 33598
    • 6819 Krenson Oaks Cir, Lakeland, FL 33810
    • 9107 Whispering Willow Way, Tampa, FL
    • 826 Lumsden Reserve Dr., Brandon, FL
    • 313 Oak Rose Ln. #202 Tampa, FL 33612
    • 8415 Canterbury Lake Blvd, Tampa, FL 33619
    • 4321 Waterford Landing Dr, Lutz, FL 33558
    • 4642 Whispering Park Ln, Tampa, FL 33614
    • 2320 Platinum Dr, Sun City Center, FL 33573
    • 9611 Sweet Ivy Dr. Tampa 33647
    • 340 Bluewater Falls Ct, Apollo Beach
    • 3307 Silverpond Dr, Plant City, FL 33566
    • 2228 Golden Oak Ln, Valrico, FL 33594
    • 4210 N Suwanee Ave, Tampa, FL 33603
    • 15008 Greeley Dr, Tampa, FL 33625
    • 1538 Shorewood Dr, Auburndale, FL 33823
    • 1924 ELOISE COVE DR, WINTER HAVEN, FL 33884
    • 1019 Fordham Dr, Sun City Center
    • 225 LOMA DEL SOL DR, DAVENPORT, FL 33896
    • 11122 SHADYBROOK DR, TAMPA, FL 33625
    • 134 Sawtooth Dr, Valrico, FL 33594
    • 4004 Hollyhead Cir N, Lakeland, FL 33811
    • 4714 W Trilby Ave, Tampa 33616
    • 675 Powder Horn Row, Lakeland, FL
    • 903 Killarney Ln, Auburndale, FL 33823
    • 4012 Silverspring Dr, Plant City, FL
    • 15425 Lost Creek Ln, Ruskin, FL 33573
    • 678 Avenue K Southeast, Winter Haven, FL 33880
    • 5737 Lacar Way, Lakeland, FL 33805
    • 413 2ND ST SW, RUSKIN, FL 33570
    • 1500 LAKE ARIANA BLVD, AUBURNDALE
    • 833 Vino Verde Cir, Brandon
    • 6213 CRANE DR, LAKELAND
    • 3550 FISHER RD. PALM HARBOR
    • 15511 MORNING DR, LUTZ
    • 12910 N 53RD ST, TEMPLE TERRACE
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Vivian Resnick Realtor Homeward Real Estate Tampa Florida Luxury Homes Top Realtor Spanish Espanol Agente de Bienes Raices Down Payment Assistance First Time Home Buyers

11 MUST-DO'S FOR THE FIRST-TIME HOMEBUYER 
BY CLAES BELL, CFA,  BANKRATE.COM

Are you a first-time homebuyer eager to get into the market? Here are steps to decide whether you're ready to take the plunge.
1. Check the selling prices of comparable homes in your area. Do a quick search of actual multiple listing service, or MLS, listings in your area on a number of websites, including the National Association of Realtors.
2. Use Bankrate's mortgage calculator to get an idea of what your monthly mortgage payments would be if you bought today.
3. Find out what your total monthly housing cost would be, including taxes and homeowners insurance. In some areas, what you'll pay for your taxes and insurance escrow can almost double your mortgage payment.
To get an idea of what you'll pay in insurance, pick a property in the area where you want to live and make a call to an insurance agent for an estimate. You won't be obligated to get the insurance, but you'll have a good idea of what you'll pay if you do buy. For an idea of what you'll pay in taxes, check your property appraiser's website. Just remember that exemptions and the intricacies of local tax law can create differences between what a homeowner is currently paying and what you can expect to pay as a new homeowner.
4. Find out how much you'll likely pay in closing costs. The upfront cost of settling on your home shouldn't be overlooked. Closing costs include origination fees charged by the lender, title and settlement fees, taxes and prepaid items like homeowners insurance or homeowners' association fees. You can see what closing costs average in your state by looking at Bankrate.com's annual closing cost survey.
5. Look at your budget and determine how a house fits into it. Fannie Mae recommends that buyers spend no more than 28% of their income on housing costs. Go much past 30% and you risk becoming house-poor.
See why debt to income matters in mortgages.
6. Talk to reputable Realtors in your area about the real estate climate. Do they believe prices will continue falling or do they think your area has hit bottom or will rise soon?
7. Remember to look at the big picture. While buying a house is a great way to build wealth, maintaining your investment can be labor-intensive and expensive. When unexpected costs for new appliances, roof repairs and plumbing problems crop up, there's no landlord to turn to, and these costs can quickly drain your bank account.
So consider whether you're ready for the expense and effort of homeownership before pulling the trigger.

Prepare for the Hunt
If the numbers make sense for you, taking a few steps at the beginning of the homebuying process can save you time, money and aggravation.
1. Examine your credit. Right now, blemished credit or the inability to make substantial down payment can put the kibosh on your homeownership plans. That's why it pays to look at your creditworthiness early in the home-buying process. Get your free annual credit report and comb through it for errors and unresolved issues. If you find mistakes, contact the credit reporting bureau to make sure they are corrected. It's also a good idea to get your FICO score, which will cost you a small fee.
Vivian Resnick Realtor Homeward Real Estate Tampa Florida Luxury Homes Top Realtor Spanish Espanol Agente de Bienes Raices Down Payment Assistance First Time Home Buyers
Here's another thing to inspect: your credit report. Get your credit report and score today, free and with no obligation, at myBankrate.
2. Get your docs in a row. Collect pay stubs, bank account statements, W-2s, tax returns for the past 2 years, statements from current loans and credit lines, and names and addresses of your landlords for the past 2 years. Have them ready to show to the lender. This may seem like a lot, but in this age of tight credit, don't be surprised if your lender needs a lot in the way of documentation.
3. Find lenders and get preapproved. Getting preapproved for a mortgage helps you bargain from a position of strength when you are house hunting. The institution where you bank and a local credit union are good places to start your search. Use Bankrate's mortgage rates tool to find lenders offering the best rates in your area. Applying to multiple lenders in the same month helps increase your chances of getting a loan approved at the best rate possible without dinging your credit score too much.
4. If at first you don't succeed, try, try ... the government? If you can't find a bank willing to lend to you -- and in the current tight credit market, it's possible you won't -- consider getting an FHA loan. The Federal Housing Administration has a program that insures the mortgages of many first-time homebuyers. As a result of this guarantee, lenders who might otherwise feel queasy about your qualifications will be more inclined to lend to you. As a bonus, the FHA requires a down payment of only 3.5% from first-time homebuyers.
Interested in getting an FHA loan? Start by shopping today for an FHA mortgage on Bankrate.com.
Helping you make the right move. Call and let's get started!
Available by phone, text, email, or in person: 813-410-2890 (cell)

Vivian Resnick Realtor Homeward Real Estate Tampa Florida Luxury Homes Top Realtor Spanish Espanol Agente de Bienes Raices Down Payment Assistance First Time Home Buyers

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