How to file a mortgage complaint in Florida

How to file a mortgage complaint in Florida.

So I was just perusing this section on the Florida Association of Realtor’s Website (FAR) in the Legal Center regarding How to File a Mortgage Complaint. For no reason in particular, I was just getting to know the website better. So far I am extremely satisfied with my network of Mortgage & Insurance people that I refer business to. And so far I have been very fortunate, in that those that I no longer do business with, it was not over legal or ethical issues.

And obviously with all the fraud among a small portion of Mortgage Brokers, as well as some of the shady ‘Loan Modification Companies’ taking advantage of homeowners already under duress, there is definitely need for oversight, and regulation. And the web site gives the many offices you can contact, with a recomendation to submit all information and documents to:

Office of Financial Regulation
Division of Banking & Finance
Attn: Banking & Finance Complaint Section
200 E. Gaines St.
Tallahassee, FL 32399

Phone: 800. 342.2762, option 3
FAX to: Banking & Finance Complaint Section:
850. 413.1551

But I must say it is not clear whether you have to submit original documents or copies.

It is my opinion that you should probably contact them prior to mailing,

because it is always preferable to hold onto the originals and only mail in copies.

Welcome To Country Club Estates in Hudson, Florida

Welcome To Country Club Estates in Hudson, Florida

This small community of approximately 300 detached single family homes whose entrance is Located between the New WalMart Supercenter & Castriota Chevrolet on US-19 in Hudson, Florida. This community, which had become a bit blighted in the beginning of the new Millennium, has seen a resurgence in the last couple of years. The community has a Civic Association that has gotten very involved in revitalizing the community. Everybody is welcome to attend the monthly meetings, and if you want to actually join the Association it is only $10/year/person

The Civic Association has a monthly meeting on the first Monday of every month at 7:30 pm. The clubhouse is located at the end of the main drag, which happens to be called…Country Club Dr

I credit the Board members for affecting alot of necessary change to improve the community back to the hay days when it was mainly a well kept, modest, snow birds paradise community. They have been aggressive in getting Code Enforcement into the community to get everybody up to code which was not popular with some. But it was very necessary to maintain a nice community. They have even caught flack for the code enforcement, even though it is a county issue, not a community issue. Under County codes one needs to keep yards maintained, no commerical vehicles, and boats or trailers may not be stored in front of the house.

So now, with the help of the Board, Country Club Estates has become a Neighborhood watch area. They have gotten the Mounted Patrol to come in every once in a while, and what child is not thrilled to see horses trotting through the community. In the same vein as “It takes a village” they now have a golf cart, as well as a pickup truck, that does late night community patrols to make sure there are no problems.

In order to keep the kids out of trouble, they have updated the clubhouse to have a movie night, and other activities, the schedule for which can be viewed on the Country Club Estates Civic Associations Calendar. They fixed up the Basketball net, and for the more experienced residents there is Bingo and shuffleboard courts. They are also willing to entertain any idea you may have to improve the community. They have really gotten pro-active in improving this Hudson, Florida Community

Now if a community on the come back that you can be proud to be apart of and help make one of the best little communities in Pasco County, than I suggest you look into purchasing a home in Country Club Estates. It has been many years since homes have been so affordable. Here is the current inventory of homes in the Community.

Regulations prevent me from posting possible mortgage amounts for these homes as a general range, so i recommend you use a mortgage calculator to see how much cheaper than renting a $40-50k home can be purchased for. And remember the First Time Home Buyers Tax Credit is not an $8,000 tax credit. It is a 10% tax credit on the purchase price, up to $8,000

So there it is. A community aggressively making improvements on a daily basis. A board who is willing to consider, and figure out ways to implement, any idea that will benefit the community. And finally Prices that are incredibly affordable. So do yourself a favor, if you are currently renting, or thinking making a purchase, Country Club Estates in Hudson, Florida is a great oppurtunity at a great value. The Florida Lifestyle is more affordable than it has been in years. See if it is for you by stopping by and touring the community.

View Larger Map

West Pasco, Florida’s Distressed Real Estate Market: Currently available Short sales, Foreclosures and Bank owned properties

West Pasco, Florida’s Distressed Real Estate Market: Currently available Short sales, Foreclosures and Bank owned properties

If you are looking for great deals in Real Estate, than the Distressed Real Estate Market would be a good place to start. Prices have collapsed in the West Pasco Real Estate Market. This Hudson, Florida Realtor has been shocked at some of the price declines. One subdivision that has been a Farming Area is Country Club Estates. It went from $45k to $133k at the peak, to $45k again. A triple to a zero net gain in but a couple of years.

So if you are looking for investments under $50/sqft, Hudson & West Pasco, Florida are places this Hudson, Florida Realtor would suggest looking.

Has this Hudson, Florida Realtor peaked your investment interest? Well than take a look at the actual inventory. Above we have some statistics, here are the actual listings presently available in West Pasco Florida. Just Click here to view distressed properties in my West Pasco Florida. And if you have interest in getting more information on a property, or to schedule a viewing, Contact a Professional Realtor, Such as myself.

To view some of the distressed properties currently available in Hudson & West Pasco Florida click here

Beacon Woods, Hudson, Florida Real Estate Market Report August 2009

Beacon Woods, Hudson, Florida Real Estate Market Report August 2009

I was a bit astonished when i pulled the market report for Beacon Woods. You see 85 homes for sale in a community of 2100+ homes just seems a bit low. I guess it is a testament to the great community that it is with very active resident involvement. Just review what their Community Association does and you will get the idea. With 11 houses sold in August 2009, and only 85 homes for sale, there is only a 10 month inventory on the market, which is much better than its surrounding areas. I have found this to be a very enlightening Real Estate Market Report

Back when Wal-mart made its intentions known, that it would like to build its latest Supercenter at one of the entrances to the community, well alot of people were up in arms. So much so that the Civic Association hired an attorney to fight its development. In the end though, Walmart won, but not without a few concessions to address concerns about increased traffic into the community. In all Beacon Woods is a Thriving 18 hole Championship Golf Community with many subdivisions within the greater Beacon Woods, with all the amenities available for all wants and needs. If an active community is what you are looking for, it is what you will find in Beacon Woods. Their monthly newsletter is more like a magazine, and there is something to do everyday, without ever leaving where you call home.

Lastly I would like to add, if you have not already noticed at the Civic Associations webpage, Beacon Woods is actually in Bayonet Point, Florida.

View Larger Map

August ’09 Real Estate Market Report Sea Pines a Waterfront Gulf Access & Golf Community in Hudson, Florida

p>August ’09 Real Estate Market Report Sea Pines a Waterfront Gulf Access & Golf Community in Hudson, Florida

Was a bit surprised that Real Estate in Sea Pines Waterfront community. But compared to many other places it seems there are fewer home owners in trouble here, thus the lower homes on the market. Of course being the only Waterfront Gulf Access & Golf Community in Hudson, Florida definitely has its appeal for long term living.

Prices in this Hudson Florida community range from $110,000 – $450,000. To view specific Homes for Sale in the Preserve at Sea Pines feel free to browse them at my website, and search the MLS for free and no obligation, compliments of your Hudson, Florida Realtor Daniel J Hunter

More fabulous Cloud formations from Hudson Beach, Florida

More fabulous Cloud formations from Hudson Beach, Florida

So there I am driving home from my office and I see the most magnificient colors striking off a massive cloud formation. So I grab my trusty camera and snap a picture, the result is:

Upon seeing this, I know I just have to get down to the gulf to take unobstructed views of this spectacular light show. It did not turn out as magnificient as I had expected but it was stil nice, none the less. I hope you enjoy this as much as I, and the others that came, enjoyed the actual event. With no further ado, here are my Sunset Cloud photos from Hudson Beach Florida.

Sign of Economic Woes: Florida Population Declines for first time in 53 years

Sign of Economic Woes: Florida Population Declines for first time in 53 years

That’s right folks, for the first time in over 50 years the population of Heaven’s Waiting Room has declined. Why you may ask.

In my opinion it is just the economy. The state of Florida has 10.6% unemployment. Locally here in Pasco we are at 12% unemployment. And it is hard to budget for retirement when you do not know how much it is going to cost in the long term.

But rest assured the Baby Boomers will reverse this anomaly in the states growth.

With the crash in our Real Estate market and the high rate of foreclosure we are starting to look very attractive to investors, both foreign and domestic. And with a bottom eventually to be found, those looking for a nice place to retire will again turn their eyes towards Florida.

Read the full article at www.FloridaRealtors.org

Tampa MSA 2009 Q02 Real Estate Market Report by a Hudson, Florida Realtor

Tampa MSA 2009 Q02 Real Estate Market Report by a Hudson, Florida Realtor

MSA= Metropolitan Statistical Area. There are over 350 in the United States, which are used to give a more local evaluation of Real Estate Markets. National Real Estate numbers are good to follow, but it can not be said enough. All Real Estate is Local. Just ask Detroit or Flint Michigan how they fared during the housing bubble. An area is considered an MSA if, like Tampa, they have over 50,000 people in the area. The MSA also includes surrounding counties if they are interdependent on one another

As you can see in the map above, the median home price for the Second Quarter of 2009 fell to $140,900 which is a drop of 22.1% from the Second Quarter of 2008. And is a fall of 36% from Real Estate Market highs of ~$220,000 in 06

To read the Chart below, the Red Line is read off the Right side dollar values, and the Blue bars are read off the Left side percentage gains/losses. As you can see, while many are saying the Recession has bottomed, their is not yet such an indicator in our local housing market. But keep in mind this is only the first quarters information. We do not have the second quarters statistics yet, which may show a bottom, hopefully.

If you eliminate, or average out Q1 in 2007 it has been a pretty even decline in the market, price-wise, as shown by the Red Lines pretty even decline. And taking out Q1 in 2008 you will see that the pecentage losses, are fairly steadily accelerating as well. But keep in mind each one is year over year. So every 4th blue bar is what is being compared, they are all year over year price declines. All in all, you can see we have pretty much wiped out any and all gains since 2002 in the Tampa Real Estate market. With some housing selling in the teens or low 20′s, I really can not see much more price declines in the general market. There just is not much room for them to go lower.

map and graph courtesy of www.Realtor.org

Where is the Best Meats found in Hudson and Port Richey areas of Pasco County Florida

Where is the Best Meats found in Hudson and Port Richey areas of Pasco County Florida

Why its got to be Sigmone’s Acropolis Meats & Deli. This family owned and operated business has been pleasing the Pasco County area and beyond for over 30 years. I have personally been there in line waiting to have my order taken (don’t forget to take a number) I heard a lady talk about how she drives down from Citrus County for the quality meats and great prices. Citrus is 2 counties away, and a good hours drive.

But the fact of the matter is, the meat is of the highest quality, and they also feature Boar’s Head Cold Cuts and Cheeses. I was surprised that not only does their meat quality surpass all the local markets, they also undercut the prices.

One of my favorite things about Sigmone’s Acropolis is a simple pleasure. You know how when you bring home a pound or so of ground beef, regardless of which cut, the outside is a beautiful deep red, and the inside is darker, much darker. You will not find that Here, it is the same beautiful fresh meat through and through.

Sigmone’s Acropolis Meats & Deli

8737 State Road 52
Hudson, FL 34667
727-862-1965

Coming soon is Sigmones Online Ordering & Delivery

so Bookmark it for future convenience

Another great feature of Sigmone’s Acropolis is, not only do they beat the competitions prices while maintaining the highest of standards, but when you buy in bulk, you get an even greater discount. But don’t take my word for it, you know what you pay for your groceries, stop by its conveniently located store on SR 52 in Hudson, on the border of Port Richey.

View Larger Map

Best Automotive Service Station and tune up in Hudson Florida is Randy and Sons

Best Automotive Service Station and tune up in Hudson Florida is Randy and Sons

If you are looking for the best car service at the lowest prices, its Randy and Sons Automotive located on SR 52 just West of Little Road (CR-1).

How did i come across this outfit? Well that is a fair question. A member of my staff needed new tires a few years ago. She had made many many many phone calls shopping around. And lo and behold it turned out that the lowest price she could find was at our neighbor Randy & Sons.

Not only did they have the best price mounted and out the door, but over time they showed themselves to be a company of integrity that only did what was needed.

Randy and Sons has established itself over the years as a trusted local automotive car service station.

Obviously it takes more than just good prices on tires to earn customer loyalty. But let me tell you, I was so pleased with their service, when I ended up using them, that I referred them to my brother AND my mother.

Randy & Sons are up on their training, have some of the latest state of the art equipment to treat your car they way you would want it, every time it gets serviced, regardless of whether it is for a common Lube Oil & Filter, or a complete Tune-up

Randy & Son Professional Automotive

8803 State Road 52Hudson,FL34667-6742

Local: 727-862-3653

For all your automotive needs, Randy & Sons Service Station is the place for you and all your automotive needs. They are honest, courteous, and informative. They take the time to inform you why you need this, or why you do not need that.

Randy and Sons boasts the experience you need in Car Service and the honesty you deserve. And despite not being apart of a big chain, they are still able to get some of the best prices for your car parts in the business. I am in no way trying to tell you to use them exclusively. But I would suggest, for your benefit, that you give them a shot and see if their prices are the best, and than judge for yourself, the level of professionalism they show you and your car when it is in for a tune up or a more extensive service

1. They can beat the competitions price
2. They do a better job for that price
3. Do only what you need, and inform you how to limit needing them through preventative maintenance.

And do not for a minute think this is just a mom and pop operation. It is treated like one, but they have all the latest high tech equipment to make sure the job is done right. So if you want a personal touch coupled with the confidence the fact that your Tune up or Car Service was done right, you need to get down to Randy & Sons on SR 52 on the Hudson and Port Richey Border.