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Well one person who earns their business is Raul Alvarez of Wells Fargo. He’s been in the mortgage industry for eight years.

He is fluent in English and Spanish, lives in Palm Harbor, and services clients throughout Tampa Bay, Florida. He is very easy to talk to.

So if you are looking for a Spanish speaking mortgage consultant or know someone who is looking for a mortgage consultant who speaks Spanish… then give him a call.

He can be reached on his cell phone at (813) 541-8889.

Or via email at raul.a.alvarez@wellsfargo.com

Or… feel free to check out his website: https://www.wfhm.com/loans/raul-alvarez/index.page

When looking to buy a home for financed home purchases it is advantageous to get pre-approved. That way you will know how much how you can afford.

Raul is bilingual. In addition he speaks  English well and is very easy to talk to so feel free to contact him.

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We are posting this information as a courtesy to some people who have asked me to provide them with this data.

For the period of June 1, 2009 to June 17, 2009 in Tarpon Springs, Florida 19 properties were sold. The listing prices ranged from $68,908 to $899,000 while the sales prices ranged from $61,000 to $870,000. Other statistics are as follows:

Average:

• 3 bedrooms, 2 bathrooms    1,882 heated square feet
• Listing price: $230,142
• Sale price: $215,484
• Sale Price to Listing Price Ratio: 93%

Median:

• 3 bedrooms, 2 bathrooms    1,687 heated square feet
• Listing price: $160,000
• Sale price: $153,750
• Sale Price to Listing Price Ratio: 95%

* Information acquired from GTAR, PSAR & WPBR data.

* Information is believed to be accurate but should not be relied upon without verification.

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The board of state-run Citizens Property Insurance approved raising rates for most policyholders by 10 percent next year. After a heated debate Wednesday, Citizens also agreed to cap any rate cuts at 10 percent as well, rejecting a committee recommendation that rates remain frozen for those customers. This is not good news by any means but is important for home buyers in Florida to know.

This affects policy holders in the following counties:

• Pinellas 101,502
• Pasco 61,156
• Hillsborough 36,392
• Hernando 26,471
• Citrus 4,602

So far policies in force as of May 31, 2009 are as follows:

• PLA – Personal Residential Multi-Peril (PR-M) 618,166
  HRA – Personal Residential Wind-Only (eWIND PR-W) 201,934
  HRA – Personal Residential Wind-Only (ePAS PR-W) 82,444
  HRA – Personal Residential Multi-Peril (PR-M) 85,898
  HRA – Commercial Residential Wind-Only (CR-W) 14,619
  HRA – Commercial Residential Multi-Peril (CR-M) 617
  HRA – Commercial Non-Residential Wind-Only (CNR-W) 30,424
  HRA – Commercial Non-Residential Multi-Peril (CNR-M) 37
  CLA – Commercial Residential Multi-Peril (CR-M) 8,688
  CLA – Commercial Non-Residential Wind-Only (CIW CNR-W) 437
  CLA – Commercial Non-Residential Multi-Peril (CNR-M) 189

Total: 1,043,453 policies in force as of May 31, 2009

Citizens Property Insurance covers homeowners who cannot find coverage in the open market. Citizens Property Insurance Corporation is the State’s homeowners’ insurance safety net. It was created by the Legislature in 2002 to offer property coverage to Floridians without private insurance options.

On May 4, 2002, Florida’s governor signed legislation creating Citizens Property Insurance Corporation (Citizens) by merging the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA), which provided homeowners property coverage statewide, and the Florida Windstorm Underwriting Association (FWUA), which provided wind-only coverage in designated coastal areas. Citizens is a not-for-profit, tax-exempt corporation, whose public purpose is to provide policyholders with affordable property insurance protection.

You can read their strategic plac for 2009 to 2012 here. It looks like one of their goals is to preserve this coverage to Floridians so they voted to increase rates 10% next year for most policy holders.

This recent news should not deter home buyers from buying in Tampa Bay, Florida or for that matter throughout Florida.

Looking for a Citizens agent? Look for one here.

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This home is located in Colonial Hills in Holiday, Florida and has been recently reduced to $98,000. It has two bedrooms and two bathrooms and it is a corner lot. Its MLS number is 7397904.

It is also available for rent.

The sellers did a fantastic job with the interior. For example the front room has wood laminate with blends nicely with the wall paint:

The sellers also upgraded the kitchen:

They added a built-in wine rack:

Here is a pic of one of the two bedrooms:

My Realtor.com ad can be seen here.

If you would like to know more about this house or are looking for a home in Holiday, Florida or elsewhere in Tampa Bay then feel free to contact me:

Email: Lana.Robbins@FloridaMoves.com

Phone: (727) 542-1729

Or if you like to search the MLS (Multiple Listing Service) online like an agent then feel free to sign up for a free NO-obligation account at www.FreeTampaBayHomeSearch.com (Sign up in the box on the right where it states “Search like an agent! Get a free listingbook account.”)

Or contact me and I will set up a free NO-obligation account for you. All you need is an email address

By the way if you are a home owner and would like to rent out your home then feel free to contact me for more information. We also do rentals.