Advice for buyers and sellers, from Justin Ruzicka

Fannie Mae

What Stops Me from Budgeting

Greenville Realtor is successful_houseguy.org

Budgeting is often thought of as a bad word. I know it my household it rarely gets used. But why is it that we all tend not to do Monthly Budgets. Fear: We are afraid of the truth…that this pay check to pay check lifestyle is actually not sustainable.   (But I have been doing it […]

Full Time Real Estate Agent

Full Time Real Estate Agent

You might be considering to buy a home in Southwest Florida.  You are here on vacation at one of the many Waterfront Properties in Cape Coral, FL or you are spending time on Fort Myers Beach and you dream of living here.   After all in the middle of winter when it is snowing everywhere […]

Housing BUBBLE…Again?

Housing BUBBLE…Again?

New Housing Bubble is Stealing from the Average American Person. This is a result of All the Government Regulations, and Oversight that were suppose to “protect the American public” from such a disaster that is taking place.

HAFA Short Sales

HAFA Short Sales

The deadline for HAFA has been extended. A borrower now has until December 31, 2013 to submit a Short Sale Agreement or a written request for a consideration for a Short Sale Agreement to be eligible for HAFA. Houseguy.org is a CDPE short sale Expert.

FHA Financing – Condominiums i...

FHA Financing –  Condominiums in Fort Myers

FHA Financing for Condos located in Fort Myers Florida.

Fort Myers Home Values Increase 30%

Fort Myers Home Values Increase 30%

National Housing Numbers Rebound and Lee County Home Values increase over 30% year over year in August, 2012. Good news from the association included the higher selling prices of traditional homes that helped boost the area’s overall median price, an increase of 30.9 percent in August to $127,000 from $97,000 a year ago. It was the sixth month in a row that the median price has been above $125,000.

“The market indicators are up in Southwest Florida,” said Marion Briggs, association president, in a statement about the local numbers. “For the past six months the median price has remained above $125,000, due largely in part to the fact that traditional properties have been the majority of our single home sales, which is very good news.”

Renters want to BUY, but don’t ...

Renters want to BUY, but don’t have Savings

Study shows 70% of Renters want to BUY!!!! But what is holding them back? “In spite of the impact of the housing crisis on home values and homeownership rates across the country, Americans by and large still hope to become homeowners,” says Doug Duncan, vice president and chief economist of Fannie Mae.

FHA Mortgages

FHA Mortgages

FHA Mortgages, Fannie Mae, Freddie Mac, USDA Home Loans.

Acting Federal Housing Administration (FHA) Commissioner Carol Galante announced a new premium structure for FHA-insured single-family mortgage loans: FHA will increase its annual mortgage insurance premium (MIP) by 0.10 percent for loans under $625,500 and by 0.35 percent for loans above that amount. Upfront premiums (UFMIP) will increase by 0.75 percent.

The premium changes will impact new loans insured by FHA beginning in April 2012. Details will soon be published in a Mortgagee Letter to FHA-approved lenders.

Successful Short Sale Fort Myers FL

Successful Short Sale Fort Myers FL

Do you need help with Short Sale? Can you short sale your home? Ask Justin Ruzicka your Fort Myers Short Sale Expert to answer your Short Sale Questions.

A successful short sale is where the seller gets $3,000 or more at the end of the transaction often because of HAFA APPROVAL process for Short Sale. Many lenders are giving sellers cash at the closing for a successful short sale. Lenders like Bank of America, JP Morgan Chase Bank, GMAC Financial, Nationstar Mortgage, Ocwen, Aurora Loans, Litton Loan Servicing, Green Tree Mortgage, just to name a few are lenders we have worked with on short sale who have given the sellers $3,000 or more at the closing table for their efforts in making the short sale a success.

Another Short Sale Approved and Close...

Another Short Sale Approved and Closed

Today was a great day for Justin Ruzicka the House-Guy, your Fort Myers Realtor and Short Sale Expert.  Why was today such a good day? It was because we closed a short sale for a home owner in Lehigh Acres FL.  These home owners were in such a difficult situation with their home; they were […]