How Do You Build a Custom Home?

Join Toni as she discusses the steps to building a custom home with guests, Brian Popp of Union Home Mortgage and Marcus Smith of Smith Custom Homes.  Other ‘Ask the Agent’ Articles What does a home inspection tell you? How well do you know your roof? Smith Custom Home Project in Land O’Lakes NEW CONSTRUCTION! […]

FHA rehab loans ideal for distressed homes | Inman News

FHA rehab loans ideal for distressed homes | Inman News. This great blog post by Steve Bergsman with Inman News discusses the FHA 203k loan program which is a little known loan program offered by the Federal Housing Administration. In this discussion, Steve compares the actual cost of maintaining a new construction home versus a […]

VA Streamline Refinance

In an effort to help veterans secure the lowest fixed interest rate available, the VA started a Streamline Refinance program called Interest Rate Reduction Refinance Loan program (IRRL). This loan option is a way for current VA homeowners to lower their interest rate with very little or no out-of-pocket costs. These refinance loans are done […]

Pre-Approvals and Mortgage Rates FYI

For Your Information Finding out how much you can be approved for and what your actual rate might be has never been more difficult. There are many factors these days with all the Federal changes such as Type of loan, Loan Term, Loan amount, Down payment, Credit Score, Fees, State, etc! Sure, you can get […]

Down Payment Assistance Available Now!

There are dozens of Government funded home ownership programs that provide eligible home buyers with financial assistance toward the purchase of a home. The GoToni.com Team is committed to providing the most useful tools to guide you on your path to home ownership. GoToni.com has established relationships with area lenders with whom they have confidence and who […]

Big News for Underwater Homeowners

  A guide to administration’s new mortgage-refi plan. If You Are Underwater – You Must Click This Link The choices for homeowners underwater has been dismal at best. The homeowner could refinance under the Home Affordable Refinance Program (HARP) adopted in 2009. However to qualify, the home’s value could not be less than 25% below […]

Market Analysis for Tampa – St Pete – Clearwater

Local Market Report, Second Quarter 2011 Published by the National Association of REALTORS® Knowledge is power and with the information provided by the National Association of REALTORS® you can arm yourself with accurate Tampa area market statistics. View the full report  to see comprehensive information in various real estate categories such as: Drivers of Local Supply […]

Why Buy Now?

Interest Rates The interest rate of a mortgage has a direct effect on a the amount a home buyer can spend on a home. For example, at today’s interest rates a buyer may be able to afford $150,000. But if the rate were to increase by one point, that same buyer may only be able […]