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Old 03-10-2008, 06:45 PM
 
20 posts, read 81,935 times
Reputation: 18

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Well, my hubby and I have been living here for our 7th month and have decided to start the process of buying our first home. I teach in Clearwater for now and would really like to stay in the Largo-Clearwater-Dunedin area. Know of any really nice neighborhoods that are quiet and safe? We prefer a family oriented area and heck, plenty of snowbirds! Also, have any tips on buying? I've heard of the Home Town Heroes deal that Pinellas does for teachers and would love some personal opinions about that. Any help would be appreciated!
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Old 03-10-2008, 07:17 PM
 
43 posts, read 244,040 times
Reputation: 35
I think Dunedin is a great place. I see tons of young professional families...
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Old 03-11-2008, 09:47 AM
 
849 posts, read 3,270,785 times
Reputation: 199
Smile some cities don't

participate in HTH. Last time I looked, St. Pete did not. Go to Consumer Credit Counseling Services click on *affordable home ownership* on the left. this IS the web site for Consumer Credit Counseling (non-profit, community based one) BUT WAIT they are the ones who run the seminars for programs such as HTH. You must take a seminar to participate. This includes any other first time home buyers' programs. If you look in that link for Pinellas Co. it will list the agencies who actually host the seminars and the locations an dates. If HTH doesn't work because you don't want to stay in Clrwater or they don't participate, there may be a program that is right for you.
You can also check Pinellas Co's web site.




Quote:
Originally Posted by RioKohitsuji View Post
Well, my hubby and I have been living here for our 7th month and have decided to start the process of buying our first home. I teach in Clearwater for now and would really like to stay in the Largo-Clearwater-Dunedin area. Know of any really nice neighborhoods that are quiet and safe? We prefer a family oriented area and heck, plenty of snowbirds! Also, have any tips on buying? I've heard of the Home Town Heroes deal that Pinellas does for teachers and would love some personal opinions about that. Any help would be appreciated!
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Old 03-12-2008, 06:20 PM
 
Location: East Tennessee
3,927 posts, read 10,598,216 times
Reputation: 5235
If you are first time homebuyers and you qualify, there are some excellent financing incentives. You can read about the county's program here --> Pinellas County Government Home Page. In the search box type in first time homebuyer and click the search button. This is only one of hundreds of programs for Pinellas County. The State of Florida has an excellent program as well. It's called SHIP. Your lender should be on the approved list. They do have some good information for FTHB. Details here ---> Welcome to the Florida Housing Coalition. Make sure you find a lender who is FHA qualified, has experience with downpayment assistance programs, and first time homebuyers. There are special HUD programs for teachers, too.

My personal experience with the not for profit and housing couseling agencies has not been so good. If you go this route, please verify they have a legitimate 501c3 (you can check this on the IRS website) and make sure they are not charging you an extra $50 per month in your mortgage payment (I've seen it done).
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