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New Fees from Fannie Mae & Freddie Mac coming April 1st

Posted 03-29-2022 at 12:46 PM by Sunshine Rules

Both Fannie and Freddie have announced they will be increasing upfront fees on 2nd home mortgages and on mortgages that finance homes with balances that exceed their standard conforming loan limits (higher $$ homes). Those fee increases take effect on April 1st, 2022.

Buyers looking for financing now should contact their mortgage lenders to get updated estimates for these fees so they know how it will impact their finances.
Real Estate Agent
Posted in Uncategorized
Views 17 Comments 0 Sunshine Rules is online now

Rising Prices and Record-Low Inventory for the Sarasota Area Market

Posted 03-29-2022 at 12:41 PM by Sunshine Rules

The Sarasota - Bradenton - Venice area real estate market started off 2022 with the lowest level of inventory of properties for sale to date.

Median home prices have continued to increase over the past 3 months as demand for properties outpaces new listings.

Distressed sales (foreclosures and short sales) represent just 1/2 of 1 percent of our current market.

Properties continue to sell quickly, with the median time on market from listing to contract...
Real Estate Agent
Posted in Uncategorized
Views 12 Comments 0 Sunshine Rules is online now

New Construction & Why An Independent Home Inspection is Important

Posted 07-09-2019 at 03:55 PM by Sunshine Rules

You're having a new home built and your agent suggests having your own, independent home inspection completed pre-drywall.


A pre-drywall inspection occurs after the entire frame has been built, the roof is on and the windows are installed, but before the sheet rock is installed. This allows your home inspector access to make sure the beams, posts, studs, and other structural components are installed properly, to check things like the wiring, plumbing, window...
Real Estate Agent
Posted in Uncategorized
Views 97 Comments 0 Sunshine Rules is online now

Flood Insurance Program set to Expire July 31st !!!

Posted 07-17-2018 at 04:00 PM by Sunshine Rules

Here we are yet again. The National Flood Insurance Program (NFIP) is set to expire in two weeks unless Congress passes legislation to extend the program yet again.

So what would happen if the NFIP lapses?

While existing policy holders would retain coverage if the program is not reauthorized, no new policies could be written. During past lapses in coverage, borrowers were not able to obtain flood insurance to close, renew or increase loans secured by property located...
Real Estate Agent
Posted in Uncategorized
Views 138 Comments 0 Sunshine Rules is online now

What Every FL Condo Buyer Should Know....

Posted 05-02-2018 at 09:28 PM by Sunshine Rules

Before buying a condo, there are a number of questions I would ask regarding Rules & Regulations, Bylaws and voting rights, BUDGETS, Budget Reserves for big ticket maintenance (a very important factor), routine maintenance, the Board (try to get & read several months worth of meeting minutes) and whether there are any current or pending lawsuits against the condo association (if there are current lawsuits, it may limit your financing options).

The financials of a condo association...
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Real Estate Agent
Posted in Uncategorized
Views 199 Comments 0 Sunshine Rules is online now

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