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tampa bay real estate genieWe are Florida Buyers Agents experienced in assisting buyers in finding the perfect Home or Condo. There is no fee for our full service. We are devoted to our real estate buyers.

We assist from start to finish. Searching and emailing, showing, negotiating offer prices all the way to closing.

We always negotiate asking prices down for our buyers in this market. Do the math and be a wise buyer.

Investments - Rental Income - Florida Gulf Beach Condos Waterfront Townhomes and Condos. Consult us for an investment condo with rental income- We will Email You Listings with Full Details Email Us Here

When you search real estate web sites and listings, many times you don't know if they allow pets in condos and weight limits. What about the size of a boat slip or the depth of the water. Let us know. With your criteria. We run a full search and email you all real estate to view and answer all questions. Charles Rutenberg Realty is Florida's Largest Real Estate Office.

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First time home buyers benefit from lower mortgage interest rates and smaller down payments. Contact us for assistance and full details.

There was a year over year increase in closed sales and new listings for combined Townhome Condo and Single Family Real Estate statistics in Florida. Townhome and Condo median prices have increased appx 14%. Single Family home prices increased appx 12%, Inventory supply confirms that we continue to be in a sellers market.

Mortgage Loan News - Financing costs are still low. You can get a 30 year mortgage around approximately 4.5 percent. If you put down 10 percent and the house is up 5 percent, then you would be up 50 percent on your investment. And you've locked in the cost over the next 30 years. The cost of owning is somewhat less than renting. Rent typically goes up every year. But on a 30-year mortgage, the cost is fixed.

Average Percent of Original Asking Price Received for Tampa Bay Florida Real Estate - 93% to 96%

The percentage of Closed Sales which were All Cash Sales averaged 71% . Cash Sales can be a useful indicator of the extent to which investors are participating in the market. Why? Investors are far more likely to have the funds to purchase , whereas the typical buyer requires a mortgage or some other form of financing.

The first question every sellers agent will ask before submitting an offer to the seller is "Do you have a pre approval letter or will it be all cash offer"
A Pre Approval Letter will be Required for Buyers submitting offers that are not all cash.
Some banks say that they're holding off on the pre approval until they see the real estate appraisal. Until then, they prefer a prequalification, which tells borrowers the average size of loan they can qualify for based on stated income and based on an average of mortgage rates. It's not as formal as a commitment for a loan. Pre-approvals are usually binding for two to three months.

Is a down payment on a house tax deductible? Unfortunately, it is not deductible. As a general rule, buyers can factor the following in as deductible on their annual IRS income taxes: Mortgage loan interest - Real estate taxes - Closing fees (points) that decrease the rate of the mortgage loan - Mortgage insurance required on all FHA and VA loans, and on conforming or conventional mortgages higher than 80 percent loan-to-value (LTV).

The Federal Housing Finance Agency, which oversees the two government-controlled mortgage finance companies, sued 18 major banks over their sales to Fannie and Freddie of about $196 billion in mortgage securities that soured when the housing market collapsed in 2007.

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Contact Us for House and Condo Sales Charts - Our Team also specializes in Investments,1031 Exchanges, Foreign Persons Involved in U.S. Real Estate Transactions.

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We Specialize in Gulf Front, Waterfront, Pre Construction Real Estate, Investments, Luxury Estates, Multi Million Dollar Properties. Serving the 6 County Tampa Florida Area of Pinellas County, Pasco, Hillsborough, Hernando, Manatee and Sarasota. Real Estate Investments for Canadians, Brits and European Investors - Note this is a Florida buyers market and the dollars decrease returns increased value to overseas buyers. Many of the units can be purchased for your vacation and rented for income when you are not using the property. We represent Buyers and NOT Sellers. We have a long record of negotiating asking prices down through extensive research that is relayed to our buyers for consideration and offers. Questions or Assistance

Rob Kuzmicz at Charles Rutenberg Realty Associates, 1545 S. Belcher Rd, Clearwater FL
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