Hard Rock Daytona Beach: Live, Love, OWN – Secure your Home on the Beach NOW taking reservations

What happens when the world’s most sophisticated and energetic lifestyle brand meets the World’s Most Famous Beach? At the Residences at Hard Rock Hotel Daytona Beach, it’s all up to you.

Daytona Beach HardRock Residence

HardRock Daytona Beach

DON’T MISS YOUR CHANCE AT OCEANFRONT LUXURY
Featuring a 250-room Hard Rock Hotel,
Daytona Beach’s first true luxury hotel,
an oceanfront Hard Rock Cafe and a host of other amenities

The Residences at Hard Rock Hotel Daytona Beach is now accepting reservation deposits for 107 innovatively-designed oceanfront condominiums situated on the top floors of the breathtaking 27-story Hard Rock Hotel. This will be the first oceanfront Hard Rock Hotel and Residences in the United States.

Timing is everything, secure your reservation while you can!

Latara Clements of Florida Dream Real Estate has been included in representing the sales at The Residence at Hard Rock Hotel and Café in Daytona Beach, Florida. Now you can live on the world’s most famous beach and enjoy the life of luxury living in a condo overlooking Daytona Beach. Latara Clements is the Realtor for luxury condos and homes on the beach, oceanfront in Ormond Beach, New Smyrna Beach, Ponce Inlet, and Daytona Beach.

Contact Latara Clements today of Florida Dream Real Estate to secure your reservation for a home on the beach!
http://hrresidencesdb.com/?utm_source=affiliate&utm_medium=link&utm_term=LaTara&utm_content=LaTaraClements&utm_campaign=hrresidencesdb

Back to Work Loan

As a result of the recent recession, many families faced a period of financial difficulty due to job loss or reduction in income. In August of 2013 Federal Housing Authority moved to relax its guidelines for borrowers who had experienced a significant “financial event, such as bankruptcy, foreclosure, short sale, or a loan modification, with their Back to Work Program. The FHA believes that some borrower’s credit history, although negatively affected by loss of income, may not truly reflect their credit worthiness. As a result, the FHA is now waiving their traditional waiting periods following a derogatory credit event. The former guidelines required that a borrower wait 3 years after a deed-in-lieu, foreclosure, or short sale, and 2 years after a bankruptcy, to qualify for an FHA mortgage. The new guidelines provide that if a borrower qualifies based on all other FHA requirements, the adjusted waiting periods will be only 12 months for those economic events. This program requires the following:

  1. The borrower has recovered from the financial difficulty, and has 12 months of good credit history, free from derogatory credit issues.
  2. The borrower can document financial hardship, and that their credit issues were a result of a loss or reduction of income. Their household income had to have been reduced by at least 20% for a sustained period of at least 6 months and through the date of the “financial event”
  3. The borrower must complete HUD approved housing counseling 30 days prior to writing a contract to purchase or officially starting the mortgage process.

Meeting the above requirements does not automatically qualify an applicant. They must still meet the Standard FHA underwriting guidelines; however, this program will allow many families to once again become homeowners sooner.  For more information, please visit http://portalapps.hud.gov/FHAFAQ/controllerServlet?method=showPopup&faqId=1-ATX2MV and  http://portal.hud.gov/hudportal/documents/huddoc?id=13-26ml.pdf    for the full mortgagee letter and guidelines.

 

Posted by:  Latara Clements, Florida Dream Real Estate, New Home Specialist for Central Florida

How to Choose the Right Real Estate Sales Professional

Buying real estate is complex, and it’s imperative to select a competent, honest agent who will skillfully represent your best interests throughout the entire process of selecting, negotiating and closing on your property.

Read more: http://www.foxbusiness.com/personal-finance/2013/02/05/how-to-choose-right-real-estate-sales-professional/#ixzz2Kn8wSE7C

Posted by Latara Clements, Florida Dream Real Estate