Resized Front San Rafael

OPEN HOUSE EVENT: 4510 W. San Rafael Street, Tampa, FL 33629 on Saturday, 8/15/20 from 1:00 to 3:00 PM!

Join us for our OPEN HOUSE EVENT to be held at 4510 W. San Rafael St., Tampa, FL 33629 this Saturday, August 15th, from 1:00 – 3:00 PM. 

This lovely home for sale has just been renovated and is ready for a new owner to enjoy all of the spectacular interior upgrades! In addition to new paint, flooring, and bathrooms, the electric service has been updated as well and the garage has new epoxy flooring. This home is priced right at $549,900!

There is so much to admire about this spacious, four bedroom, 2.5 bathroom home! With an interior living space of 1,824 square feet, you will find four sizable bedrooms, two full bathrooms, plus a half bath in the garage. This lovely abode also features a large formal living room, plus a Florida room with sliding glass doors that lead to the backyard. The ample kitchen is at the center of the living space and features new glass backsplashes and quartz counters. This home also has an oversized one car garage as well as a carport that provides a short grocery path right to the kitchen.

In addition, this home is ideally located within walking distance to great schools, and it’s an easy commute to major shopping and downtown Tampa!

If you are unable to attend the Open House Event on Saturday,  call NextHome listing agent and broker, Irwin Wilensky at (727) 644-9183 to schedule a private showing.

Take a VIRTUAL TOUR of this home by clicking HERE.

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Mortgage Pre-Approval: What You Will Need Depending on the Type of Loan You Seek

Getting pre-approved for a mortgage can be daunting, but it’s a critical step in the home buying process. Most agents recommend obtaining mortgage pre-approval because it strengthens your offer. Sellers like to know that the buyer has already secured financing. In addition, this preliminary work will pay off because you’re going to need the same paperwork for your mortgage application once you have a contract on the home you decide to purchase.

Below, you will find a checklist for each type of mortgage pre-approval.

Conventional Loan Documents 

If you’re employed and get regular paychecks, plus a W-2 every year, and you’re not going through FHA, USDA, or an incentive-buying program, these are the documents you need to apply for mortgage pre-approval:

  1. Identification (one of these will need to be presented in person): Driver’s license, passport, or other state or federal-issued ID
  2. Income: Pay stubs (last 30 days), last two federal tax returns, last two W-2s, and proof of any additional income (second jobs, social security, alimony, etc.)
  3. Accounts: Last two statements on all bank accounts, statements for all investment and/or retirement accounts
  4. Property: Settlement statement from previous home sale, if this is applicable
  5. Additional documents: If applicable to your situation, you will need to provide contact information for your landlord for the last two years, a divorce decree, separation agreement, and/or property settlement agreement. Also, if a family member will be helping you with your downpayment, you will need to provide a gift letter (your lender will have a form for this). In addition, you will need a letter of explanation (LOE) for any late payments, collections, judgements, or other derogatory items that appear in your credit history.

FHA Loan Documents 

These are the documents you will need if you’re applying for mortgage pre-approval with the Federal Housing Administration:

  1. Identification (one of these will need to be presented in person): Driver’s license, passport, or other state or federal-issued ID
  2. Income: Pay stubs (last 30 days), last two federal tax returns, last two W-2s or 1099s if applicable, and proof of any additional income (second jobs, social security, alimony, etc.)
  3. Accounts: Last two statements on all bank accounts, statements for all investment and/or retirement accounts
  4. Property: Closing disclosure (or HUD-1 if the sale took place before Oct. 3, 2015) for previous purchase
  5. Additional documents: If applicable to your situation, you will need to provide contact information for your landlord for the last two years, a divorce decree, separation agreement, and/or property settlement agreement. Also, if a family member will be helping you with your downpayment, you will need to provide a gift letter (your lender will have a form for this). In addition, you will need a letter of explanation (LOE) for any late payments, collections, judgements, or other derogatory items that appear in your credit history.

Documents for Buying and Investment Property

If you are purchasing property that you plan to rent, these are the documents you should have ready when applying for mortgage pre-approval:

  1. Identification (one of these will need to be presented in person): Driver’s license, passport, or other state or federal-issued ID
  2. Income: Pay stubs (last 30 days), last two federal tax returns, last two W-2s or 1099s if applicable, and proof of any additional income (second jobs, social security, alimony, etc.)
  3. Accounts: Last two statements on all bank accounts, statements for all investment and/or retirement accounts
  4. Property: Settlement statement on any recent home sales, recent mortgage statements on all properties you own, proof of insurance for all properties you own, and current leases for all rental properties you own.
  5. Additional documents: If applicable to your situation, you will need to provide contact information for your landlord for the last two years, a divorce decree, separation agreement, and/or property settlement agreement. Also, if a family member will be helping you with your downpayment, you will need to provide a gift letter (your lender will have a form for this). In addition, you will need a letter of explanation (LOE) for any late payments, collections, judgements, or other derogatory items that appear in your credit history.

Self-Employed or Business-Owner Mortgage Documents 

If you are self-employed or own a business, these are the documents you need for the mortgage pre-approval process:

  1. Identification (one of these will need to be presented in person): Driver’s license, passport, or other state or federal-issued ID
  2. Income: Pay stubs (last 30 days), last two federal tax returns, last two 1099s, and proof of any additional income (second jobs, social security, alimony, etc.)
  3. Accounts: Last two statements on all bank accounts, statements for all investment and/or retirement accounts, last two years’ Corporate, S-Corp, LLC, or partnership tax returns
  4. Property: Settlement Statement from previous home sale, if applicable
  5. Additional documents:If applicable to your situation, you will need to provide contact information for your landlord for the last two years, a divorce decree, separation agreement, and/or property settlement agreement. Also, if a family member will be helping you with your downpayment, you will need to provide a gift letter (your lender will have a form for this). In addition, you will need a letter of explanation (LOE) for any late payments, collections, judgements, or other derogatory items that appear in your credit history. You will also need to provide the last two months’ profit-and-loss statements, a balance sheet (rules vary by state), and your current business license.

VA Loan Documents 

If you are seeking pre-approval for a Veteran’s Administration home loan, these are the documents you will need:

  1. Identification (one of these will need to be presented in person): Driver’s license, passport, or other state or federal-issued ID
  2. Income: Pay stubs (last 30 days), last two federal tax returns, last two W-2s or 1099s if applicable, and proof of any additional income (second jobs, social security, alimony, etc.)
  3. Accounts: Last two statements on all bank accounts, statements for all investment and/or retirement accounts
  4. Property: Settlement statement from previous home sale, if this is applicable
  5. Additional documents:If applicable to your situation, you will need to provide contact information for your landlord for the last two years, a divorce decree, separation agreement, and/or property settlement agreement. Also, if a family member will be helping you with your downpayment, you will need to provide a gift letter (your lender will have a form for this). In addition, you will need a letter of explanation (LOE) for any late payments, collections, judgements, or other derogatory items that appear in your credit history. You will also need to provide a certificate of eligibility (COE) from the Veteran’s Administration, which may require one or more of these documents, depending on your situation:
    1. Form DD-214, certificate of release or discharge
    2. Statement of service from the adjutant, personnel office, commander, or higher headquarters if still on active duty
    3. Form 26-1817 or form 21-534 for surviving spouses, plus form 1300, report of casualty, or death certificate

USDA Loan Documents 

If you’re applying for a U.S. Department of Agriculture Loan, you will need these documents to seek pre-approval:

  1. Identification (one of these will need to be presented in person): Driver’s license, passport, or other state or federal-issued ID
  2. Income: Pay stubs (last 30 days), last two federal tax returns, last two W-2s, and proof of any additional income (second jobs, social security, alimony, etc.)
  3. Accounts: Last two statements on all bank accounts, statements for all investment and/or retirement accounts
  4. Property: Settlement statement from previous home sale, if this is applicable
  5. Additional documents: If applicable to your situation, you will need to provide contact information for your landlord for the last two years, a divorce decree, separation agreement, and/or property settlement agreement. Also, if a family member will be helping you with your downpayment, you will need to provide a gift letter (your lender will have a form for this). In addition, you will need a letter of explanation (LOE) for any late payments, collections, judgements, or other derogatory items that appear in your credit history. You will also need to complete and submit these forms and documents:
    1. Form 410-4: Uniform Residential Loan Application
    2. Form 3550-4: Employment & Asset Certification, a separate form needs to be completed and signed by each applicant
    3. Form 3550-1: Authorization to Release Information, a separate form needs to be completed and signed by each applicant
    4. Form 4506-T: Request for Transcript of Tax Return, a separate form needs to be completed and signed by each applicant
    5. Documentation of child care expenses for dependents 12 or younger, if applicable
    6. Life insurance policy
    7. A current school transcript for any household member that is a full-time student 18 years of age or older
    8. Annual medical expenses for applicants 62 years of age or older, or with a disability (to be considered for a deduction in household income)
    9. A written explanation of two years employment history, including an explanation of gaps.

Job-Based Incentive Loan Documents

Incentive-based programs, such as the Good Neighbor Next Door, which provide mortgage assistance for public servants such as teachers, fire fighters, and police officers have their own criteria. If you are seeking one of these mortgages, you will need these documents for pre-approval:

  1. Identification (one of these will need to be presented in person): Driver’s license, passport, or other state or federal-issued ID
  2. Income: Pay stubs (last 30 days), last two federal tax returns, last two W-2s or 1099s if applicable, and proof of any additional income (second jobs, social security, alimony, etc.)
  3. Accounts: Last two statements on all bank accounts, statements for all investment and/or retirement accounts
  4. Property: Settlement statement from previous home sale, if applicable
  5. Additional documents: If applicable to your situation, you will need to provide contact information for your landlord for the last two years, a divorce decree, separation agreement, and/or property settlement agreement. Also, if a family member will be helping you with your downpayment, you will need to provide a gift letter (your lender will have a form for this). In addition, you will need a letter of explanation (LOE) for any late payments, collections, judgements, or other derogatory items that appear in your credit history.
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Just Sold: 17916 Cachet Isle Drive, Unit #A, Tampa, FL 33647

Simply stunning! Priced at $1,499,000, this lovely estate in Tampa has SOLD for the asking price and is officially off the market. Congratulations to the new owners of this palatial estate!

This home is the largest estate in all of Cory Lake Isles and boasts the most impeccable views. With over 9,400 square feet of living space, this 5 bedroom home features numerous amenities that include two wet bars, a wine room, a second kitchen, three fireplaces, an exercise room, custom closets, an elevator, and more!

Outside, this estate features a breathtaking pool and heated spa, fire pit, exterior kitchen, and pool bath. This home also has its own generator and a separate well for irrigation.

Cory Lake Isles is an amazing gated community with its own waterfront clubhouse, beach, playground, gym, tennis courts, basketball courts, roller blading hockey rink, and resort style community pool.

To view additional photos, view the property website here.

To discuss selling your home or to learn about the cutting edge tools NextHome SunRaye utilizes to market luxury homes for sale like this one, please call NextHome SunRaye listing agent, Sami Wilensky at (813) 210 – 2323. 

Resized Front San Rafael

OPEN HOUSE EVENT: 4510 W. San Rafael St., Tampa, FL 33629 this Saturday, August 1st, 1:00 – 3:00 PM

Join us for our OPEN HOUSE EVENT to be held at 4510 W. San Rafael St., Tampa, FL 33629 this Saturday, August 1st, from 1:00 – 3:00 PM. 

This lovely home for sale has just been renovated and is ready for a new owner to enjoy all of the spectacular interior upgrades! In addition to new paint, flooring, and bathrooms, the electric service has been updated as well and the garage has new epoxy flooring. This home is priced right at $559,900!

There is so much to admire about this spacious, four bedroom, 2.5 bathroom home! With an interior living space of 1,824 square feet, you will find four sizable bedrooms, two full bathrooms, plus a half bath in the garage. This lovely abode also features a large formal living room, plus a Florida room with sliding glass doors that lead to the backyard. The ample kitchen is at the center of the living space and features new glass backsplashes and quartz counters. This home also has an oversized one car garage as well as a carport that provides a short grocery path right to the kitchen.

In addition, this home is ideally located within walking distance to great schools, and it’s an easy commute to major shopping and downtown Tampa!

If you are unable to attend the Open House Event on Saturday,  call NextHome listing agent and broker, Irwin Wilensky at (727) 644-9183 to schedule a private showing.

Take a VIRTUAL TOUR of this home by clicking HERE.

Photo credit: matterport.com

Sell Your Home Safely and Effectively During the Covid-19 Pandemic

Should I sell my house right now? Are there any buyers? How can buyers consider purchasing my home without walking through it and looking inside? How do I stay safe?

There are so many questions right now from people who are thinking about selling their house, and rightfully so. While we have come a long way since the beginning of this health crisis in terms of protecting ourselves, we are always learning.

As far as the state of the current real estate market, this is actually a really good time to sell – if you’re open to a new process that has been effectively implemented industry-wide to keep both sellers and buyers safe. Inventory levels are as low as they have ever been in the history of the United States, and there are some sellers who are electing to wait to put their homes on the market which is only exacerbating the inventory issue. There is no shortage of buyers and it is not uncommon for many homes for sale to get multiple offers right now.

What modifications are part of the new selling process? Here’s how things are currently working:

Step 1: Virtual Agent Interview. If we are meeting in person, we will maintain proper safety measures like wearing a mask, using hand sanitizer, and social distancing. If  you are not comfortable with a face to face meeting or if it is not convenient for you, we can meet at a distance and get to know each other. Tools like GoToMeeting and Zoom allow us to take you step-by-step through the process just like we would in your kitchen or at our office.

Step 2: Preparing the house for sale. Once we have made a decision to work together, it’s time to get your home ready for prime time!  Luckily, the cadre of professional, licensed, and insured vendors/contractors that NextHome SunRaye has relationships with are willing and able to get the work done that needs doing, as they are taking precautions to stay safe and protect their clients’ wellbeing. Of course, it will be socially distanced preparation, if you are in need of any repairs, painting, cleaning, etc. Everything is just as possible as it was before, it just may take a little extra coordination and communication, which is what being a real estate agent is all about and why you choose one you can trust.

Step 3: Pre-Inspections. We’ll also work with inspectors who can do inspections before you put the home on the market so the buyer has as much information about the home as possible without even seeing it.

Step 4: Marketing, Marketing, Marketing. This one is more than one step. It’s a lot of steps.  Exposure of the property has always been important, but now it’s more important than ever. So let’s break this down piece by piece.

  • Custom Marketing Plan: How we market homes has changed, that is why we’ve developed a custom marketing plan to make sure buyers know your house is for sale. With everything from increased online presence, virtual showings, virtual open houses, aerial drone footage, and more, you need new tools in this “new normal” and we’ve got them.
  • Maximum exposure online: Right now maximum exposure online is everything. During the beginning of this crisis, the largest real estate sites saw a huge drop in buyer activity. As people became a little less scared and a lot more bored, they started looking at houses again. The same real estate sites have seen a massive spike in buyer activity. That’s why we syndicate our listings to hundreds of websites  – so basically your house will have a HUGE online presence when you enlist NextHome to market it for sale!
  • Virtual Image Package: Since so much of the process will be done at a distance, that old saying of “image is everything” is true right now. That’s why we’ve got Matterport 3D home tours, virtual staging, and always use professional photographers. All of this helps the buyer get closer to feeling like they’ve seen the house from their computer screen (in their daytime pajamas).
  • Virtual Open House and Showings: Even with a Virtual Image Package, eventually a buyer is going to want to see the inside. That’s why we’ve developed strategies around doing Virtual Open Houses that profile the property to potential buyers and a virtual showing approach where the buyer can get a guided walkthrough of the property.

Step 5: Offers, Addendums, Negotiation, and Close! Your house has had more eyeballs on it than YouTube (ok, not THAT many… they got 1.6 billion visits monthly), so now it’s time to get an offer in. You might be surprised to know that much of this has been done “virtually” for a long time. Today, with a full suite of tools, we can literally do all of the paperwork remotely without missing a beat. Just adjust the font size so you can read the fine print and with a click the mouse button, you’re off to the races!

Photo by Elly Fairytale from Pexels
Photo by Elly Fairytale from Pexels

We believe the real estate process will become and most likely remain more “virtual” going forward. Sure, we may get back to shaking hands (maybe fist bumps?) and meeting in the dining room to review the process, but much of this virtual procedure will stay even after COVID-19 is gone. It’s simply more convenient and just as reliable.

If you’re ready, NextHome SunRaye is at your service. Give us a call, we can lead you through the process from start to finish!

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JUST SOLD: 0.3 Acre Parcel Located at 29th Avenue South, St. Petersburg, FL for $119,000!

JUST SOLD!
This 0.3 acre lot of vacant land located on 29th Ave S, St. Petersburg, FL 33711 has sold for $119,000!
This sprawling parcel fronts an unusable section of Clam Bayou in south St. Petersburg. The new owners will start building their dream home and enjoy never having any rear neighbors – a very desirable perk!
Located at the end of a dead end street with very few neighboring homes, the new owners of this land will enjoy stunning sunsets overlooking the bayou and Skyway Trail every night. This was a great deal for both buyer and seller, and NextHome SunRaye Realty had the pleasure of bringing everyone together to make this deal happen.
Have you been thinking about selling your home, but are now feeling unsure due to the current health crisis? NextHome SunRaye understands that this is an uncertain time. Give our St. Pete office a call at (727) 343-8600 so that we may discuss the current market, your home’s value, and what your options are.

In addition, let us tell you about the cutting edge selling tools that we have at our disposal that will enable us to effectively market your home virtually and increase its exposure to home buyers while minimizing your risk to illness. You may decide it is the right time to sell, or maybe not. In either case, NextHome SunRaye is here to provide you with valuable information to help you decide and we are ready to represent you in the home selling process, whenever you are ready to make a move. Stay safe and stay well!

 

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JUST REDUCED: 8415 N. Albany Avenue, Unit #C, Tampa, FL 33604 is now Priced at $94,900!

Are you looking for a spacious 3 bedroom, 2 bathroom home for an affordable price? Look no further! This roomy townhouse features a large kitchen with pass-thru to the great room, a large enclosed patio with hot tub, and a small rear yard that is fence enclosed. All bedrooms, bathrooms, and laundry closet are located on the second floor. This home offers enough space for everyone with 1,470 square feet! Best of all, this home is now priced at $94,900!

This home is located on a quiet dead end street and offers easy access to I275 and Dale Mabry Hwy! Best of all? There are no HOA fees! That’s right! NONE!

Don’t miss out on seeing this townhouse at its newly reduced price! This is a deal that can’t be beat!

To take a VIRTUAL TOUR of this home, click HERE.

To view this home in person, or for assistance with placing an offer, call NextHome SunRaye listing agent, Sami Wilensky at (813) 210- 2323.

 

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Happy Luke Day!  Join in Our Annual Day of Community Outreach by Supporting Canine Companions for Independence!

NextHome SunRaye Realty is joining forces with our fellow NextHomies around the country in celebrating Luke Day, our annual day of community outreach that was created in honor of our company mascot, Luke!

Today is the day we come together in support of a great organization – Canine Companions for Independence (CCI). Through Canine Companions, we are inviting Facebook friends, families, clients, and colleagues to assist us in making a difference by donating and helping to raise funds to support the mission of Canine Companions for Independence, our national charity. This incredible organization works with adults, children, and veterans with disabilities by providing them with expertly trained assistance dogs that can help them live a better quality of life!

Click here to see a local news report on News Channel 8/wfla.com from February of this year that shows footage of a recent service dog graduation where these special dogs get paired with their partners for the first time. It shows how two service dogs, Lauren and Tibet have been called to duty at the Hillsborough County Courthouse facility in Tampa, Florida to provide assistance to abused children who face tough testimony at court hearings. These dogs are there to help them relax and let them know that they have special support standing close by. These highly trained service animals also serve children in foster care at a child advocacy and protection center here in Tampa.

Every dollar you donate will help provide these incredible dogs to people that need their assistance. From picking up keys, turning on light switches, comfortably going to the park with family and much much more.

With your help, we can get more of these amazing Canine Companions assistance dogs into the lives of those who need them.

Thanks for your support! Click HERE to help our team, the SunRaye Tail Waggers, reach our $1,000 fundraising goal!

 

 

 

Photo Credit: Flicker Creative Commons: L'eau Bleue

Don CeSar Claims Top Spot in Florida Architecture Contest

The Don CeSar never ceases to impress! St. Pete Beach’s historical landmark has made headlines again by beating out several contenders for the top spot as the 2020 People’s Choice for Architecture. Victory was claimed after a Florida panel of architects deliberated over the designs of several historic hotels and inns throughout the state. Among the contenders were St. Petersburg’s own Vinoy Renaissance St. Petersburg Resort, and The Lodge at Wakulla Springs.

Photo Credit: Fox13news.com
Photo Credit: Fox13news.com

Also known as the “Pink Palace,” the Don CeSar was opened in 1928 by a man named Thomas Rowe. After he passed away in 1940 after suffering a heart attack in the hotel lobby, his estranged wife, Mary, inherited the hotel. By 1974, the Don Cesar was added to the National Register of Historic Places.  Click here to learn more about the legendary history of this magnificent hotel.

What made this spectacular gem stand out to the panel of architects tasked with this decision making? Its Spanish and British Colonial influences, along with its “exuberant extravagance in the Roaring’20’s,” according to the Fox13news.com report.  A popular tourist attraction and an exceptional resort accommodation if you’re planning on visiting Florida’s Gulf Coast, the luxurious Don Cesar hotel features its own private beach, spa, fitness center, numerous amenities, and it is ideally located near a multitude of cultural attractions, golf courses, shopping, dining, and much more in the surrounding St. Petersburg area.

 

Prediction Updates from CSU on the 2020 Atlantic Hurricane Season – Take Note, Florida!

Colorado State University, a top hurricane forecaster, has issued an updated 2020 hurricane forecast based on the latest data.

The new forecast now calls for more storms than the original forecast issued in April. Based on information gathered through June 2020 the new forecast suggests that this year’s Atlantic hurricane season will have above average activity in comparison to the 1981-2010 seasons average.

This year’s forecast suggests there will be

  • Nine hurricanes (the average full season is 6.4).
  • 20 named storms – including five we’ve already seen (the average is 12.1).
  • Four major (Cat 3-4-5) hurricanes (the average is 2.7).

Factors that contributed to this forecast are detailed in this 10 Tampa Bay news report.  They include a tropical Atlantic that is warmer than normal, while the subtropical Atlantic is very warm. Most of the eastern Atlantic is also warmer than what is typical, and warm temps are generally associated with more active Atlantic hurricane seasons. While these forecasts do not predict where a hurricane is likely to strike, the report does state that:

The probability for landfall for any one location along the coast is very low and reflects the fact that, in any one season, most U.S. coastal areas will not feel the effects of a hurricane no matter how active the individual season is.

It is also noted, however, that we must remember that it only takes one hurricane making landfall to cause major destruction and loss of life, and as Floridians, we must assume that the risk is great and prepare the same every season, regardless of how much activity is predicted. Be prepared and stay safe, Florida!

 

Credit: 10 Weather / wtsp.com / 10TampaBay.com/tropics
Credit: 10 Weather / wtsp.com / 10TampaBay.com/tropics