Comprar casa o Rentar Casa

En una reciente publicacion se puso en prueba nuevamente la gran disyuntiva: comprar casa o rentar casa. De acuerdo al centro de responsabilidad de la banca supervisado por la reserva federal se encontro que el patrimonio neto promedio de un propietario es de $195,000 mientras el de un inquilino es de $5,000. Ser propietario siempre ha sido ventajoso, no solo porque sl patrimonio neto del propietario es mayor pero tambien se pueden deducir de los impuestos anuales los intereses que se pagan, tomar creditos federales por cambio en aparatos de consumo de energia, etc. Otra de las ventajas de un propietario es que esta casi forzado al ahorro, el primer paso es ahorrar para la cuota de entrada y luego mientras va pagando su hipoteca / prestamo su balance va disminuyendo lo que crea una cuenta de ahorro forzada que se adhiere al incremento del valor de la propiedad o plusvalia. Un aspecto del que no se habla en el reporte es el social, el estatus de ser propietario entre su circulo de familiares, amigos y conocidos es reconocido siempre como un poco mas acaudalado de lo que uno puede ser.

No cabe duda que ser propietario tambien tiene sus desventajas tales como cuando algo se rompe se tiene que arreglar y por lo general si no tiene la cobertura de seguro le toca pagar de su bolsillo pero creo que las ventajas las superan y por mucho.

Si usted esta rentando y quiere saber de la posibilidad de obtener un prestamo para la compra de su propiedad no deje de preguntar en su banco local o a un profesional de la industria. Tambien nos puede escribir a DAndradeUS@gmail.com o llamarnos al 239-333-9729 y encantados trataremos de reponder cualquier inquietud inmobiliaria o de financiamiento que tenga.

Hola soy Danny Andrade y soy Licenciado en Bienes Raices y en Hipotecas en Florida. NMLS#885021. Tengo mas de 20 años al servicio de la comunidad y relaciones con los bancos mas grandes para financiamiento hipotecario. No deje que su credito o su pasado problema de foreclosure, short sale o bancarrota le quite las ganas de comprar su propiedad. Nosotros tenemos programas de financiamiento para buen credito o mal credito, comercial y residencial, tambien ayudamos a negocios que desean expandirse o comprar maquinas, equipos, inventario, o una propiedad, con los programas de SBA. Llamenos hoy.

Oficinas en Naples, FL sirviendo a todas las areas de Florida: Bonita Springs, Estero, Fort Myers, Cape Coral, Tampa, Orlando, Miami, y mas.

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LEE County asistencia para la cuota de entrada en la compra de su casa : Ft Myers, Cape Coral & Lehigh Acres

Aqui los detalles en Ingles de los programas de asistencia para la cuota de entrada en el condado de Lee que comprende Fort Myers, Cape Coral y Lehigh Acres.

El condado puede ayudarlo con hasta $10,000 para el downpayment o cuota de entrada en la compra de su casa. De acuerdo a la pagina del condado en este momento hay fondos disponibles para ayuda. Si necesita mas informacion visite la pagina del condado.

Si esta buscando vender, comprar o necesita el financiamiento o refinanciamiento de su casa, condo, villa, duplex, terreno, edificio, propiedades de inversion o negocios en las cualquier ciudad de Florida: Naples, Bonita Springs, Fort Myers, Cape Coral, Lehigh Acres, Miami, Tampa, Orlando entre otras o dude en contactar a Danny Andrade, NMLS#885021, Realtor al (239) 333-9729 o via email a 3339729@gmail.com.

 

LEE COUNTY DEPARTMENT OF HUMAN SERVICES

HOME DOWN PAYMENT ASSISTANCE PROGRAM

  1. The HOME Down Payment Assistance Program provides down payment and/or closing cost assistance to those who qualify. Lee County will determine the minimum amount of assistance based on need. We will look at the lender’s required minimum down payment (less earnest money deposit paid by the homebuyer) and reasonable closing costs. Maximum assistance in any case is 10% of the purchase price or $10,000, whichever is less (minimum assistance $1,000). Lee County will not provide additional down payment assistance to lower debt-to-income ratios to be within our required maximum debt-to-income ratios. If homebuyer utilizes a loan program that requires $0 down payment, the Lee County will only provide closing cost assistance. If homebuyer is receiving Florida Bond/Florida Assist assistance and/or gift funds, then Lee County will not assist unless the amount of Florida Bond/Florida Assist and/or gift funds is not enough to cover the lender required minimum down payment and reasonable closing costs.

Homebuyer shall not contribute any of their own funds (except initial earnest money deposit) towards additional down payment (over and above lender required minimum down payment). The homebuyer may contribute their own funds for additional down payment ONLY if the lender’s required minimum down payment and reasonable closing costs are more than Lee County’s $10,000 or 10% maximum.

The home being purchased must appraise at or above the sales price in order to qualify for assistance. If all the approved funds are not utilized at the closing, the title company will be required to issue a refund payable to Lee County BoCC, c/o Lee County Department of Human Services. The homebuyer cannot receive any cash back, including the reimbursement of any money paid towards earnest money deposit, application fee, appraisal, etc.

Some ineligible closing costs are:

 payment of debts such as collections

 home inspection fees

 home repairs

We can cover other reasonable closing costs and pre-paids including prepaid interest, tax and insurance escrows, discount points (as needed, to qualify for program), broker’s fees, homeowner’s and flood insurance premiums, etc.

  1. Homebuyer must be able to obtain a commitment for a new first mortgage (not an assumption) from a lending institution (30 year, fixed rate; no ARM or balloon mortgage and no prepayment penalties allowed). Property taxes and homeowner’s insurance must be escrowed. NOTE: Non-occupying co-borrowers/co-signers are NOT allowed. Any borrower not on Lee County’s mortgage and note cannot be on the deed.
  2. Must be purchasing a single family home, condo, or PUD in Lee County, Florida. Double-wide mobile/manufactured homes are also included if 1976 or newer and situated on owned land; but no duplexes or homes with attached or detached mother-in-law units. Homes with in-ground pools of any type are not allowed.
  3. The home must be existing (must have received its certificate of occupancy at least one year prior to making application for assistance). No new construction. MAXIMUM PURCHASE PRICE IS $138,000 (effective 1/1/14).
  4. The house being purchased must be: currently occupied by the owner, vacant, or occupied by the homebuyer. At the time the buyer and seller enter into a contract (all the way through to the closing), the house cannot be occupied by tenants not purchasing the property.

S:\HSNG\FORMS\HOME\HOME DPA Info Sheet 5.1.14.docx Revised 2-7-2014

  1. Homebuyer’s household must meet HUD’s guidelines for low income households:
HUD’s Guidelines effective May 1, 2014
Family Size Maximum Gross AnnualHousehold Income Family Size Maximum Gross AnnualHousehold Income
1 $32,500 5 $50,150
2 $37,150 6 $53,850
3 $41,800 7 $57,550
4 $46,400 8 $61,250

 

7. Homebuyer must attend a HUD certified homebuyer education workshop/class and provide a certificate of completion to Lee County. You can contact one of the following agencies to sign up for the class: Lee County Housing Development Corp., 239-275-5105, x102; Home Ownership Resource Center, 239-673-9192; Affordable Homeownership Foundation, Inc., 239-689-4944; Cape Coral Housing Development Corp., 239-471-0922; Housing Authority of the City of Fort Myers, 239-332-3825; or the REALTOR® Association of the Greater Fort Myers, 239-936-3537, x240 (www.snoopzone.info).

8. Homebuyer does not need to be a first time home buyer, but cannot own any other homes at the time of application.

9. Homebuyer must agree to occupy the property as their principal residence and maintain a homestead exemption during the ten (10) year second mortgage term.

10. Mortgage payment must be affordable. Maximum front-end ratio is 30% (total housing payment plus homeowner’s association fees, if any, divided by gross monthly income cannot exceed 30%). Maximum back-end ratio is 45% (total housing payment, plus homeowner’s association fees, if any, AND other recurring debts such as credit card payments, car payments, student loans, etc. divided by gross monthly income cannot exceed 45%). There are NO exceptions to these maximum debt-to-income ratios. We use the income of all occupying household members to calculate the debt-to-income ratio. Another debt-to-income consideration is that the property taxes are based on the current year’s (most recent) tax bill, regardless of the property status.

11. All assets will be considered when calculating annual income (i.e.: checking/savings accounts, IRA’s, 401(k)’s, CD’s, cash value life insurance, etc.)

12. The property must pass HUD’s required inspection. The Department of Human Services’ inspector will perform the inspection. The initial $50 application fee covers the 1st inspection and one re-inspection. After that, a $50 fee for all further re-inspections beyond the first re-inspection will apply, and be paid by seller (money order) to Lee County Department of Human Services (payable to Lee County BoCC) prior to the re-inspection proceeding. NOTE: This inspection is NOT a home inspection. We strongly encourage all homebuyers to obtain a home inspection. If buyer obtains a home inspection, a copy should be forwarded to Lee County. If homebuyer obtains a home inspection, the house must still pass HUD’s required inspection. House must not exceed HUD’s guidelines for the number of persons allowed per bedroom.

S:\HSNG\FORMS\HOME\HOME DPA Info Sheet 5.1.14.docx Revised 2-7-2014

Annual monitoring of properties will take place during the second mortgage term including random site checks to ensure that properties are still owner-occupied.

13. If the house being purchased was built PRIOR TO 1978, the Lender will provide Lee County with a lead-based paint inspection conducted by an EPA/HUD certified inspector or certified lead-based paint risk assessor indicating a lead-based paint hazard free home. Buyer will have to pay for this inspection. Inspection should not be ordered until a HOME Down Payment Assistance Approval has been issued.

14. We place a ten-year (10) second mortgage on the property being purchased. Zero percent interest (0%) and no monthly payments will be due. The second mortgage is self-amortizing and will reduce at a rate of 10% per year. As long as the property is occupied as a primary residence and homesteaded for the ten-year term, a satisfaction of mortgage will be given and the second mortgage will not have to be repaid. If, during the ten-year term, the property is sold, transferred, leased, or first mortgage is refinanced, or is not owner-occupied and homesteaded, then the prorated balance of the second mortgage will be due and payable. Future requests for subordination will be considered on a case by case basis.

15. The lender applies for the assistance from Lee County (on behalf of the homebuyer). The lender completes a (1) lender referral form, (2) includes a completed DPA Application and (3) attaches several required documents as listed on DPA application checklist and forwards the package to Lee County for review. Along with the package, the lender needs to include a $50 cashier’s check or money order from the purchaser, as an application fee (non-refundable; payable to Lee County BoCC). Lenders, please note:

a. If the title company chosen is not a Lee County Vendor please add one week to the process for set up.

b. The time required to receive a check from Lee County is 2 to 2-1/2 weeks (in addition to file processing time).

c. If the property does not pass the HUD HQS inspection the project cannot be funded.

d. Checks and packages can be released only after the HUD has been approved by Lee County.

16. If you have any questions or need further information please contact:

Debbie Curran

Housing Finance Counselor

Lee County Department of Human Services

Phone: (239) 533-7938

Fax: (239) 533-7955

E-mail: dcurran@leegov.com

Our mailing address is:

Lee County Department of Human Services

Attn: Debbie Curran

P.O. Box 398

Fort Myers, FL 33902

Our office is located 2440 Thompson Street, Fort Myers, FL 33901.

PLEASE CALL FOR FUNDING AVAILIBILITY AS FUNDS ARE LIMITED FOR THIS PROGRAM

 

Fannie Mae reduce la cuota de entrada – downpayment- para la compra de casas

En un nuevo intento por promover la compra de propiedades – casas, condos, villas, etc – el gobierno de los Estados Unidos atravez de Fannie Mae redujo el requerimiento de la cuota de entrada -downpayment- para la compra de propiedades del 3.5% a solo 3% asi como los requerimientos crediticios para la compra. Este ajuste esta enfocado a incrementar la oportunidad que tiene la poblacion de accede a creditos – hipotecas -para la compra de sus viviendas. Fannie Mae no presta directamente el dinero, esta function la tienen los bancos. FNMA asegura los prestamos de propiedades en caso de que el comprador no cumpla con el pago de la hipoteca, como asegura los prestamos pone limitaciones a los requerimientos y los tipos de prestamos que aseguran creando asi un standard a la que la mayoria de los bancos se ajustan y toman muy en consideracion el momento de dar el credito.

Si aun no ha comprado su vivienda este no seria mal momento para hacerlo. Hable con un corredor de prestamos hipotecarios o un agente inmobiliario para descubrir como usted puede ser propietario hoy mismo. Si usted no tiene alguien de confianza no dude en contactarme, yo lo puedo guiar.

Danny Andrade, NMLS #885021 – Realtor cell(239) 333-9729

Corredor de Prestamos Hipotecarios y Agente Inmobiliario en Florida USA.

Florida Financial Institute y Pollard & Hedrich Realty

Prestamos FHA Loan, USDA, FNMA, VA, Prestamos para Extranjeros e Inversionistas. Prestamos para personas con buen credito o mal credito en todas las areas de Florida. Prestamos residenciales, comerciales y prestamos SBA para negocios.

Prestamos SBA y Financiamiento comercial y residencial en Florida USA

ENGLISH – ESPANOL

If you are a business owner you must know about the SBA loans (Small Business Administration), made for small businesses. To buy property there are other loan type options such as the bank statement only loans (no income tax report required) which makes a commercial property purchase quite easy.

Si eres propietario de un negocio entonces debes conocer acerca de los prestamos del Small Business Administration especialmente disenados para negocios pequenos. Para comprar propiedades comerciales existen otras opciones tales como el que solo tiene que presentar estados de cuenta de banco y no los reportes de impuestos anuales.

SBA 7(a) LOAN PROGRAM

The 7(a) Loan program is the SBA’s primary business loan program. It is the agency’s most frequently used non-disaster financial assistance program because of its flexibility in loan structure, variety of uses for the loan proceeds and availability. The program has broad eligibility requirements and credit criteria to accommodate a wide range of financing needs.

El programa de financiamiento 7(a) es el principal programa del SBA. Este prestamo es el mas usado para asistencia a pequenos negocios, en no-desastre. Tan facil por su flexibilidad para estructurarlo y la variedad de usos permitidos. Este programa tiene amplia elegibilidad y de requerimientos de credito para acomodar una variedad de necesidades financieras.

The business loans that SBA guarantees do not come directly from the Agency, but rather from banks and other approved lenders. The loans are funded by these organizations and they make the decisions to approve or deny the applicants’ request for financial assistance.

Este financiamiento no viene de la agencia directamente pues canalizado atravez de bancos y financieras aprobadas. Los prestamos son generados por estas organizaciones y ellos toman las decisiones de aprovar o negar este prestamo.

The guaranty that SBA provides the lenders reduces the lender’s risk of borrower non-payment by providing a guaranty on a percentage of the total loan. If the borrower defaults, the lender can request that SBA pay the lender that percentage of the outstanding balance which the Aagency guaranteed. This allows the lender to recover a portion of the defaulted debt from the SBA if the borrower can’t make the payments. The borrower is still obligated for the full amount.

La garantia de estos prestamos se la da el SBA atravez de un porcentaje y asi los bancos reducen su riesgo en caso de que el aplicante no pague la deuda. Si el cliente no paga el banco puede pedir al SBA que le pague el porcentaje asegurado lo que ayuda a la entidad bancaria a recuperar parte de la deuda pero el adeudor todavia debe el prestmo completo.

To qualify for an SBA guaranteed loan, a small business must meet the lender’s criteria and the 7(a) program requirements. In addition, the lender must certify that it would not provide this loan under the proposed terms and conditions without an SBA guaranty. If the SBA is going to provide a lender with a guaranty, the applicant must be eligible and creditworthy and the loan structured under conditions acceptable to the SBA.

Para calificar para este prestamo garantizado por el SBA, el negocio debe cumplir la criteria de los bancos. Ademas la institucion financiera debe certificar que no proveera el prestamo a menos que sea garantizado. Si el SBA va a garantizar el prestamo el aplicante debe ser elegible y el prestamo tiene que estar estructurado en condiciones aceptables para el SBA

What a clients needs (Lo que necesitas para calificar)

A Business Plan that includes: Plan de Negocio

  • Purpose of the loan, Proposito del prestamo
  • History of the business Historia del negocio
  • Projections of income, expenses and cash flow as well as an explanation of the assumptions used to develop these projections. Projecciones de ingresos, egresos asi como una explicacion.
  • Personal financial statements on the principal owners Estados financieros personales
  • Resume(s) of the principal owners and managers. Hoja de vida del propietairio principal
  • Amount of investment in the business by the owner(s) Monto Invertido en el negocio.
  • Projected opening-day balance sheet (new businesses) Hoja de finaciiamito
  • Lease details Detalles del prestamo residenial y commercial//
  • Proposed Collateral

Financial Statements that include:

  • Balance Sheet and Income Statement (P&L) for three years (existing businesses) (Tax Returns usually suffice)
  • Interim Financial Statements dated within 120 days of the request for assistance
  • Schedule of term debts (existing businesses)
  • Aging of accounts receivable and

This loan is financed at 90% LTV all inclusive (real estate or lease held improvements and FF&E)

For more SBA loan and other commercial or residential loan information in the State of Florida you may contact Danny Andrade, NMLS#885021 with the Florida Financial Institute in Naples, FL. We make commercial and residential loans with almost all type of credits in Naples, Estero, Bonita Springs, Fort Myers, Miami, Fort Lauderdale, Tampa, Orlando and any other Florida city.

Para mas informacion acerca de estos prestamos SBA para negocios y otro tipo de financiamiento comercial o residencial en el estado de Florida llama a Danny Andrade NMLS #885021. FInanciamos propiedades comerciales y residenciales con buen credito o mal credito.