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Home Builders are growing more optimistic after seeing more people express interest in real estate buying. Sales of previously occupied homes are at their highest level in 2 years. More first-time home buyers are making purchases. The supply of homes are falling to its lowest point in nearly seven years, which could push home prices higher. Homes are the most affordable they've been in decades. And mortgage rates have never been cheaper.

Searching for a New or Newer Home on a Golf Course in the Tampa Bay Florida area? Or a waterfront property with a pool and direct Gulf boating access. We have decades of real estate experience searching and satisfying our buyers criteria.

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Our New Home Real Estate Buyer service is actually Free to you. You get our exclusive representation at no cost, as the fee comes from the builders funds. Also, home builders and their listing agents represent their own interests and not yours. We offer exclusive buyer representation
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Start with a Pre-approval - Before buyers look at either new or existing homes, you should make sure they consult a lender to get a pre-approval for a mortgage, so they understand their budget and know they can qualify for a loan when they're ready to buy. Many builders offer incentives for buyers, including offering to pay closing costs, so the out-of-pocket costs of buying new are often lower than buying an existing home. Seminole Florida New Homes For Sale

It's important to distinguish between a pre construction or to-be-built production home and a newly built home that's finished or almost complete. Some home builders require a buyer to buy the land and take out a construction loan, other builders will finance a custom home just like a production home. A construction loan usually requires a down payment of at least 20 percent and excellent credit. The process is a little different, too, because the lenders will need to disperse funds to the builder at various stages of construction and then sometimes require a second appraisal and closing when the home is complete.

When a home buyer decides to make less than a 20 percent down payment on a conventional loan, (PMI) private mortgage insurance is required to limit some of the potential risk for the lender that is added on to the monthly payments. Fannie Mae and Freddie Mac also add their own extra charges on low down payment mortgages. The lower your credit score and the smaller your down payment, the higher the add-on fees charged.

When a home buyer has a FICO score in the mid to upper 600 area and you want to make a very small a down payment then FHA offers a 3.5 percent minimum down payment. In 2015 FHA slashed its own premiums and they're now the less-costly choice below 700 FICO.


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Maconi Builder - Search for a Newer Florida Home or any Tampa Bay area real estate for sale including Pre Construction and Investments. Find Waterfront Executive Luxury Properties- Clearwater Beach Real Estate, St Pete Beach Real Estate, Palm Harbor New Homes, Largo, St Petersburg Homes, Indian Rocks Beach Homes, Treasure Island Florida Real Estate Tampa and more. Benefit from the Free Information & numerous informational links. We specialize in Pinellas County, Pasco County, Hillsborough and Manatee. Site Map


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