Jeffrey Lopatin | Seminole Real Estate, Belleair Beach Real Estate, Clearwater Real Estate


Well maintained and updated two bedroom, two bath, two car garage home with a bonus room is now available. A mature oak with tree swing stands in the lovely front yard. This home features an updated kitchen with custom cabinets, stainless steel appliances, granite counter tops, glass range hood and custom tile floors. Both baths are updated with with travertine tile and custom built vanities, frame-less glass shower doors, vessel sinks and dual flush toilets. The large master suite features a large walk in closet, bamboo flooring, en suite bath featuring dual sinks, natural stone counters, amply sized vanity with dual mirrors and glass enclosed custom tiled shower. The amply sized guest room offers an updated adjacent bath. The large living room with bay window offers a bamboo floor, two ceiling fans, crown moulding and mirrored accent wall. Neutral paint and ceiling fans throughout. There is an amply sized fenced back yard featuring a covered patio area and separate paver patio area which is ideal as an outdoor grilling station. This home is just minutes away from shopping, dining and the Gulf Beaches. The Seminole City Center and the Florida Botanical gardens just a short drive. Tampa Airport 45 minutes, sporting and cultural venues within a hour's drive, the Orlando theme parks within a two hour drive. New AC in 2017 with updated ductwork in 2018.

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There are so many factors that go into buying a home. How much money do you have saved up? What is your debt amount? Hw much money do you make each month? Can you afford the neighborhood that you’d like to live in? All of these questions are swirling around the minds of all first-time homebuyers. Did you know that how long you have been at a job is just as important as your income as a factor in getting approved for a mortgage? 


Your ability to repay is why the lender is looking at so many different numbers and factors about your financial situation. Employment overall plays a large stake in the mortgage application. Lenders will look at your past employment history along with the job that your currently have. They are also concerned with your future employment status. Your lender will get an idea of your overall plan for your career and employment through looking at your history. 


As a first-time homebuyer, you most likely don’t have the employment history of more seasoned homebuyers. Generally, most people who are buying a home for the first time are pretty young in their careers. As a rule of thumb, lenders will look at your employment history over the past two years. The lender wants to see your industry focus. Maybe you have stuck with one career direction, or maybe you have hopped around a bunch. As a hint, jumping around from job to job and field to field doesn’t look very good to mortgage lenders. Job floaters tend to appear as if they have no plans for the future. 


Good Career Moves


Staying a software engineer, but moving from the medical industry to the financial industry is an acceptable and smart move in the eyes of lenders. Yet, leaving your stable job in accounting to pursue a career in acting would not be looked upon favorably in the eyes of a mortgage lender.


It doesn’t matter how much money you have saved up, often, without employment history, a lender may not consider you as a dependable buyer. Your lender wants to see that your income is stable for a period of at least three year’s time.


Income Matters 


You won’t have the same work history as a first time homebuyer as you would if you were a bit more seasoned. When lenders look at your income history, not having a lot of work history can be a detriment to many factors. If your income is an annual salary, for example, your lender will divide that salary by 12 in order to get a monthly income. If you haven’t been at the job for a full year or took a pay cut during times of training, those numbers will be affected.


For hourly employees, overtime may be a problem as it may not be factored in with the equation if there isn’t a history of at least two years on the job. 


While it isn’t impossible to buy a home with a short employment history, it’s advisable to wait until you have some significant time under your belt before you dive into the home buying process.


225 COUNTRY CLUB DR #1108, LARGO, FL 33771  

Residential
$210,000
Price
2
Bedrooms
2
Baths
All ages welcome at this Penthouse Greens condo. Beautifully and thoughtfully updated first floor unit with golf course and water views. Bring your clothes and toothbrush to this move in ready and completely furnished two bedroom, two bath condo with a gorgeous kitchen, interior laundry room, private patio, newer appliances, new solid wood doors, newer windows, four televisions, reverse Osmosis system in kitchen, ample closet space throughout, updated baths, neutral paint, new faucets and newer storm door. Assigned parking directly in front of unit. The open living and dining area faces the golf course and large pond. Grill outside on the private patio. The guest room offers two full size beds with an adjacent full bath. The fully furnished large master suite offers ample closet space, dual sink vanity while the toilet and shower lie adjacent in a separate room. Both bedrooms feature carpet while the rest of the condo offers beautiful tiled floors. The gated pool and clubhouse area just a steps away. This condo is close to shopping, dining and the world famous Gulf Beaches. Tampa International Airport just 35 minutes away. Professional and college sports and cultural venues within an hour or less. The Orlando theme parks within a 90 minute drive.


501 E BAY DR #2003, LARGO, FL 33770  

Residential
$87,900
Price
2
Bedrooms
1
Baths
Ground floor two bedroom one bath unit in lovely Magnolia Square is now available. All ages welcome in this pet friendly complex. This completely furnished unit is located in a park like setting adjacent to the Largo Central Park and the Largo Library. One pet allowed up to 35 pounds. This complex allows for owners to immediately rent the unit up to two months at a time. This unit offers an updated kitchen with newer cabinets, newer counter top and full size washer and dryer. The first bedroom offers a bed, dressers and an amply sized walk in closet. The second bedroom offers a bed and dresser. The adjacent full bath offers a storage alcove, pedestal sink, two mirrors and a tub shower configuration. There is an on site club house with lovely pool and patio area. The tennis courts lie adjacent to the pool. The club house offers a billiard room with lending library. There is an assigned covered parking space adjacent to the unit. Ample guest parking. Walk to the Largo Library to check out the next good read or attend any one of their classes. The Largo Central Arts offers many fine plays and musical performances. Magnolia Square is close to shopping, dining and the world famous Gulf Beaches. Tampa Airport within 30 minutes. Professional and college sporting events and cultural venues within a 45 minute drive. The Orlando theme parks within 90 minutes.


7010 GREENBRIER DR, SEMINOLE, FL 33777  

Residential
$520,000
Price
3
Bedrooms
3/1
Full/Half Baths
Now available in the fabulous golfing community of Seminole Lake Golf and Country Club.Ideal home for a growing family or for those who enjoy entertaining.A custom built & updated contemporary home located on a large corner lot in popular Seminole Lake Golf & Country Club is now available.This 3 bedroom, 2 & 1 half bath home with large two car garage is entirely updated with a new kitchen, new floor tile, outdoor kitchen, new waterproof wood like vinyl flooring & new paint.The foyer opens onto the new great room with cathedral ceiling & views of the golf course.Adjacent to the great room is the completely renovated kitchen with European style cabinets, solid surface counter tops, stainless steel appliances & walk in pantry.The gorgeous pool area offers an outdoor kitchen. The master suite offers a walk in closet, ceiling fan & adjacent bath with dual sink vanity & stall shower.Two additional bedrooms with ample closets, new wood look waterproof vinyl flooring & ceiling fans.The renovated guest bath with custom tile and custom shower door lies adjacent. Just past the kitchen is the updated half bath & bonus room.The large bonus room is ideal as an office, craft room, media room, studio, home gym or a fourth bedroom.Membership to the Seminole Lake Country Club is available with golf, tennis & club functions. Dining & shopping just a short drive.The Gulf Beaches within 20 minutes.Tampa Airport 30 minutes.Sporting and cultural venues within an hour's drive.The Orlando theme parks within 90 minutes.




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