Jason’s Mortgage Loan Services

Call me for any Mortgage needs. 813-293-2190

INFOGRAPHIC: Create the ultimate children's playground with these ideas!

5 Luxe Home Features Kids Will Love ......

While student credit cards can help college students build credit, they do come with some conditions.

What to Know Before Applying for a Student Credit Card Building good credit takes time, and it can be a few years before college students or graduates have...

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Checking your credit report often can help you spot unauthorized inquiries.

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Do you have a dark room that you'd love to lighten up? These tips can help.

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If you have a foul odor in your home, it may be time to sniff out the source and make a plan.

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Another happy client! Love working with Healthcare workers and finding a home that fits there wants and needs! This is a new construction home. Call me for any of your Real Estate needs.

New Listing in Lutz Fl. Click on link for 3D Tour! Call Me @ 813-293-2190 for any questions.
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Call me for any of your Real Estate needs!

We’re all being encouraged to as much as possible these days. To help you make the best of it, we wanted to share a few tips for creating comfortable and functional spaces within your home for work, school, and play.



🏠 BEGIN WITH THE BASICS

An emergency preparedness kit is a great addition to any home, even under normal circumstances. [Message me for a free copy of our Home Emergency Preparation Checklist.]



🏠 WORKING FROM HOME

Set up a designated space for work so it doesn’t creep into your home life, and vice versa. A red stop sign on your door or desk can signal to family members that you shouldn’t be disturbed.



🏠 HOMESCHOOLING YOUR CHILDREN

Position supplies nearby so they are independently accessible, and place trash and recycling bins within reach for easy cleanup. A plastic tablecloth can turn an academic space into an art studio.



🏠 STAYING FIT

Look for an open area in your home or garage with a minimum 6’ x 6’ space per person. Search YouTube for exercise videos—there are even some great ones geared towards kids!



🏠 SOCIALIZING FROM A DISTANCE

Try using Google Hangouts or Zoom to facilitate a virtual happy hour or book club, or host a Netflix Party to watch (and chat about) movies with friends.



Want more great tips for creating functional spaces within your home for work, school, and play? Check out my latest blog post.

→ [http://jasontraina.myagent.site/stayhome-how-to-create-functional-spaces-in-your-home-during-the-coronavirus-outbreak/



And if you’re feeling isolated right now, please realize that you are not alone. We want to be a resource to our clients and community through good times and bad. If you and your family are in need of assistance, please reach out and let us know how we can help.

Have we seen the last of white kitchens, brass accents, and millennial pink?

Find out what’s IN (and what’s OUT) for home design in my latest blog post!

http://jasontraina.myagent.site/top-5-home-design-trends-for-a-new-decade-2/

Top 5 Home Design Trends for a New Decade - Jason Traina Whether you’re planning a simple refresh or a full-scale renovation, it’s important to stay up-to-date on the latest trends in home design. Sellers who make tasteful updates can generate increased buyer interest and, in some cases, a premium selling price....

Jason Traina Premier Property Solutions updated their website address.

Jason Traina Premier Property Solutions updated their business hours.

Another successful Double closing with my clients selling and buying at the same time!

Call me if you are thinking about buying a new construction home or an existing home. I have been forgetting to post pictures of my Clients, but here is one when they just brought their new construction home. I have great deals for my clients. If your looking to sell your existing home to buy your dream home, I can offer some of the lowest commission breaks around. Free CMA home analysis!! Call for details!!! 813-293-2190

Call me to talk about this opportunity for down payment assistance.
Premier Property Solutions
Jason Traina 813-293-2190

GREAT OPPORTUNITY FOR ALL YOU FIREFIGHTERS AND NURSES. ACT NOW BEFORE ITS TO LATE, IF YOUR THINKING OF BUYING. CALL ME FOR DETAILS. 813-293-2190!!!!

Special Mortgage Options for Everyday Heroes
Our new Heroes Loan program is designed to help everyday heroes benefit from 30, 20, 15 and 10 year fixed rate mortgage options or 3/3 and 7/1 adjustable rate mortgage options with 100% financing and no down payment.

The Suncoast Community Heroes Mortgage loan program is here to help the people who work so hard to help our community.

Who Qualifies?

All school employees and educational professionals
Active military, National Guard and reservists
Spouses of military members who lost their lives during active service
Veterans
Nurses, paramedics and EMTs
All public law enforcement employees
All fire department employees
Benefits:

No origination fee
Up to 100% financing
No down payment
No Private Mortgage Insurance (PMI)

MORTGAGE RATES ARE RISING. IF YOU ARE THINKING OF BUYING CALL ME ASAP TO TALK ABOUT OPTIONS. IF YOU ARE SELLING AND BUYING YOU WILL GET ONE OF THE THE BEST DEALS IN TOWN WITH A COMMISSION BREAK ON THE SELLING SIDE. FOR DETAILS CALL ME AT 813-293-2190..

Mortgage rates rise as loan applications rebound

Mortgage rates increased this week, as weekly mortgage applications indicate the spring homebuying season may have finally arrived.

This week, the average rate on the benchmark 30-year fixed mortgage rose to 4.58 percent, up from 4.53 percent last week, according to Bankrate’s survey of large lenders.

Meanwhile, mortgage applications increased 4.9 percent week over week, according to the Mortgage Bankers Association.

“Home purchase applications strengthened both on a week-to-week and year-over-year basis, following a two-week slowdown driven in part by late season winter weather and the Easter holiday,” Joel Kan, associate vice president of economic and industry forecasting, said in a statement. “Conventional home purchase applications drove most of the increase in purchase activity relative to government purchase loans.”

Mortgage rates this week

The benchmark 30-year fixed-rate mortgage rose this week to 4.58 percent from 4.53 percent, according to Bankrate’s weekly survey of large lenders. A year ago, it was 4.16 percent. Four weeks ago, the rate was 4.58 percent. The 30-year fixed-rate average for this week is 0.01 percentage points below the 52-week high of 4.59 percent, and is 0.63 percentage points higher than the 52-week low of 3.95 percent.

The 30-year fixed mortgages in this week’s survey had an average total of 0.31 discount and origination points.

Over the past 52 weeks, the 30-year fixed has averaged 4.19 percent. This week’s rate is 0.39 percentage points higher than the 52-week average.

The 15-year fixed-rate mortgage rose to 4.02 percent from 4.00 percent.
The 5/1 adjustable-rate mortgage fell to 4.03 percent from 4.06 percent.
The 30-year fixed-rate jumbo mortgage rose to 4.51 percent from 4.44 percent.
At the current 30-year fixed rate, you’ll pay $511.45 each month for every $100,000 you borrow, up from $508.47 last week.

At the current 15-year fixed rate, you’ll pay $740.69 each month for every $100,000 you borrow, up from $739.69 last week.

At the current 5/1 ARM rate, you’ll pay $479.15 each month for every $100,000 you borrow, down from $480.88 last week.

Results of Bankrate.com’s weekly national survey of large lenders conducted April 18, 2018, and the effect on monthly payments for a $165,000 loan:

Weekly national mortgage survey
Breakdown 30-year fixed 15-year fixed 5-year ARM
This week’s rate: 4.58% 4.02% 4.03%

Now is the time to sell if you have been thinking about it. If your selling and buying, I give a huge discount on the commission for the selling side that will save you money to use when buying your next home.
Call me at Jason Traina Vanderleelie and Associates 813-293-2190 for more information and details!!!!
http://www.tampabay.com/news/business/realestate/Profits-soar-on-Tampa-Bay-home-sales_165027848

Profits soar on Tampa Bay home sales Tampa Bay homeowners are reaping nice profits when they sell. In the final three months of 2017, bay area sellers received 32 percent more than they originally paid for their homes, according to ATT

8 things sellers risk when they sell without an agent Selling a home without a real estate agent is like handling your own legal matter. Here are 8 things homesellers risk without an agent.

– Sept. 6, 2017 – Hurricane Harvey has damaged or destroyed hundreds of thousands of homes and put countless families into a financial tailspin. If you're affected by a natural disaster, what does it mean for your mortgage? Here are frequently asked questions and answers.

What should I do first?

Get in touch with the following entities:

The Federal Emergency Management Agency. You can register with FEMA online, in person at a disaster recovery center or by calling 800-621-3362.
Your homeowners insurance company, plus your flood or earthquake insurance company, if either applies to your situation.
Your mortgage servicer. That's the company that you send your monthly payments to; it might not be your original mortgage lender.
I can't pay my mortgage. What are my options?

If the disaster makes it impossible to make your monthly house payments, ask your servicer for mortgage forbearance. A forbearance 'allows you to stop making your payments for an agreed-upon time,' says Lisa Tibbitts, director of public relations for Freddie Mac.

In a forbearance agreement, you might make partial payments or stop making payments for a specific time. Generally, a forbearance lasts up to six months and can be extended up to another six months. Interest still accrues during the time you aren't making full monthly payments. But under a forbearance agreement, the lender won't charge late fees or report you to credit bureaus.

The lender will want you to catch up on your missed payments after the forbearance period is over. That might involve paying extra every month for a few years, modifying the loan or reaching some other negotiated agreement.

To talk with a Department of Housing and Urban Development-approved housing counselor before agreeing to forbearance, call 800-569-4287.

What aid is available?

Direct federal aid consists mostly of loans from the Small Business Administration. As odd as that may seem, the SBA is in charge of delivering disaster-related loans to individuals and families.

The SBA extends loans at favorable interest rates to replace or repair primary residences. You can borrow up to $200,000 to cover renovation or construction costs. Whether you're a renter or a homeowner, the SBA will lend you up to $40,000 to replace personal property such as clothing, furniture, appliances and vehicles.

FEMA offers grants to fill in gaps between insurance payouts and SBA loans. The maximum grant is $33,300 per household for disasters that happen in the fiscal year that ends Sept. 30, 2017. Grants can be used for expenses such as basic home repairs that aren't covered by insurance, temporary rent and disaster-caused medical and child care.

The Federal Housing Administration has a program that's designed to help disaster survivors rebuild or buy replacement homes. Under the Section 203(h) program, the FHA insures mortgages for people whose homes were destroyed or damaged in disasters. Borrowers don't have to make a downpayment.

My house was destroyed. Should I keep paying the mortgage?

You should do your best to maintain your credit score. That means paying the home loan if you can afford it until you have talked with the servicer and have reached a settlement with the insurance company.

The way lenders look at it: You promised to repay your loan when you signed your mortgage documents at closing. "The borrower is liable for the loan debt, and making their payment is part of the borrower's contractual obligation," Alicia Jones, Fannie Mae spokeswoman, said in an email.

Note: If you apply for a loan from the SBA, it runs a credit check before inspecting your property. That's one reason to preserve your credit score by paying your bills on time as best you can.

What happens if I stop mortgage payments without telling my servicer?

If you stop making payments without permission from your mortgage servicer, you could be charged late fees and your credit score could fall.

Homeowners "should call their lender," says Brian Sullivan, supervisory public affairs specialist for HUD. "Don't stop answering the phone. Don't stop opening your mail."

Talk with your mortgage servicer before you miss a payment. The servicer might offer forbearance.

What if I can't contact my mortgage servicer?

Whether your loan is guaranteed by Fannie Mae or Freddie Mac, insured by the FHA or guaranteed by the Department of Veterans Affairs, the servicer is expected to reach out to you.

In response to Hurricane Harvey, Freddie Mac is allowing servicers to "verbally grant" 90-day forbearances, and Fannie Mae is letting servicers grant 90-day forbearances 'even if they cannot contact the impacted homeowner immediately.'

Even so, you should call the servicer or answer the mortgage company's calls.

What happens if I'm in foreclosure?

Mortgage servicers receive foreclosure guidance from federal agencies, and the recommendations vary depending on the disaster.

Fannie Mae, Freddie Mac, the VA and the FHA have suspended foreclosures for 90 days in the Hurricane Harvey disaster area.

The house I was buying was destroyed or damaged. What happens now?

If a disaster happens between appraisal and closing, "the lender is expected to take prudent and reasonable actions to determine whether the condition of the property may have materially changed since the effective date of the appraisal report," according to Fannie Mae's guide to lenders.

If the damage is relatively minor and covered by insurance, the mortgage can be closed. But if the damage is uninsured, or if it's major, then the house must be repaired before the mortgage can go through.

Copyright © 2017 The Steuben Courier Advocate, Holden Lewis. All rights reserved. The article "What to Do After a Disaster Hits Your Home, Mortgage," originally appeared on NerdWallet.

Address Your Credit Score before You Start Home-Hunting

Call me if you are interested in buying your first home or wanting to sell your property to get into something else that fits your needs as life changes. I can help you get approved with my mortgage lenders I use, then find that property that fits your needs. Thanks
Jason Traina Vanderleelie and Associates
813-293-2190

Your credit – including ensuring credit reports are correct, knowing your credit score, and acting to improve it – is among the most confusing topics related to personal finance. Yet it’s extremely important – particularly if you’re planning to buy a house, and especially if you’re a first-time buyer. Your credit score is one of the first things a lender will look at when you apply for a mortgage.

To cut through all that confusion, here are five tips you can act on right now to identify and address any problems with your credit:

1 Check your credit reports for free once a year through the three credit bureaus: Equifax, Experian, and TransUnion. Why all three? Because the information in each bureau’s report can differ. If one or all reports include mistakes, your credit score may be negatively affected, and you may need to address the errors before going house-shopping.

2 Be strategic with credit card use: the percentage of your credit limit that you use every month can affect your score.

3 Make sure your balance doesn’t come too close to your limit.
The simplest and most important tip? Pay off your balance each month. To maintain a healthy score, pay it off before the due date. Anything after 30 days post due date can spell very bad news for your score.

4 Be consistent: good credit behavior over the long term will keep your score high.

5 Don’t take on more credit. If you apply for several different credit cards, you’re sending a message that you may have maxed out your other accounts.

FIRST TIME BUYERS- If you have been thinking of buying a property. Take advantage of this program while it last. Call me for full details.
Jason Traina Vanderleelie and Associates
813-293-2190

If you have been thinking of buying a property for a while, you might want to find one and lock in the existing interest rates before they go up. Call me so I can get you into your Dream Home!!

Fed hikes rates; mortgage bump not anticipated The Federal Reserve voted to raise rates by 0.25 percent on Wednesday

Which remodeling projects will get your seller top dollar? How do different projects stack up? One study breaks it all down