Discover Tampa Living

Welcome to my channel, where we demystify the choices you face when securing a mortgage loan. As a licensed Real Estate Agent and a Licensed Mortgage Originator, I'm here to help you make informed decisions throughout your real estate journey. In this video, we'll tackle the age-old question: Should a borrower use their bank or a Mortgage Broker for their new mortgage loan? Get ready for a comprehensive breakdown of the pros and cons. Here's what you can anticipate on my channel: • In-depth insights into Tampa and its vibrant communities. • Expert tips and secrets for buyers and sellers alike. • Answers to common questions that arise during the home buying process. • A thorough education on the mortgage side of real estate. Born and raised in Tampa and a proud graduate of the University of South Florida, I bring local knowledge and a commitment to your success. If you're keen to understand the Tampa real estate market, unravel mortgage loan complexities, and make confident choices, don't forget to click that subscribe button. See you soon! All music featured in my videos is provided by Bensound.com. Connect with me: 🌐 Visit my website: https://discovertampaliving.com/ 📱 Follow me on Facebook: https://www.facebook.com/tracey.pines 💼 Let's connect on LinkedIn: https://www.linkedin.com/in/traceyrosepines/ For inquiries or personalized real estate and mortgage guidance, feel free to reach out: 📞 Call/Text: 813-245-7912 📧 Email: Tracey@discovertampaliving.com Tracey Pines SL3038596 Real Estate Solutions Tampa, Florida Licensed Mortgage Originator NMLS#990556

Welcome to my channel, your go-to source for insider knowledge about the ever-evolving world of real estate and mortgage loans. I'm not just a licensed Real Estate Agent; I'm also a Licensed Mortgage Originator with a passion for helping you navigate the intricacies of the Tampa real estate market and mortgage landscape. In this video, we dive deep into the latest Jumbo Loan Requirements, and here's the exciting part - jumbo loans are no longer synonymous with a hefty 20% down payment. Discover the new opportunities and flexibility available to you. What you'll find on my channel: • Invaluable insights into Tampa's communities and surrounding areas. • Expert tips and secrets for both buyers and sellers. • Clear answers to common questions that arise during the home buying process. • A comprehensive education on all things related to mortgages. As a Tampa native and a proud graduate of the University of South Florida, I bring local expertise and dedication to your real estate journey. If you're eager to explore the Tampa real estate market, understand mortgage loans, and demystify the home-buying process, hit that subscribe button and join me on this exciting adventure. See you soon! All the music featured in my videos is courtesy of Bensound. Connect with me: 🌐 Visit my website: https://discovertampaliving.com/ 📱 Follow me on Facebook: https://www.facebook.com/tracey.pines 💼 Let's connect on LinkedIn: https://www.linkedin.com/in/traceyrosepines/ For inquiries or personalized real estate and mortgage guidance, feel free to reach out: 📞 Call/Text: 813-245-7912 📧 Email: Tracey@discovertampaliving.com Tracey Pines SL3038596 Real Estate Solutions Tampa, Florida Licensed Mortgage Originator NMLS#990556

When it comes to buying a new home, knowledge is power. In this video, we'll guide new home buyers on the common pitfalls to avoid during the home-buying process. Whether you're a first-time buyer or looking to upgrade, these tips can save you time, money, and stress. Here are the topics we'll cover: Commandment #1: Don’t change or quit jobs. Commandment #2: Don’t buy a new vehicle. Commandment #3: Don’t use charge cards excessively. Commandment #4: Don’t spend your savings. Commandment #5: Don’t omit debts from application. Commandment #6: Don’t buy new furniture. Commandment #7: No new credit inquiries. Thinking about relocating to the vibrant Tampa Bay area? Don't forget to grab a copy of my comprehensive relocation guide here: https://discovertampaliving.com/tampa-bay-area-relocation-guide-2/. Hello, I'm a licensed Real Estate Agent and a Licensed Mortgage Originator. With deep roots in Tampa and a degree from the University of South Florida, I'm here to assist you in buying, selling, and investing in real estate. My channel aims to provide valuable insights into Tampa's communities and surrounding areas. I'll also share insider tips for buyers and sellers, answer your questions throughout the home-buying journey, and demystify the mortgage process. If you're interested in learning more about the Tampa real estate market and mortgage loans, please click the subscribe button. I look forward to connecting with you! Music: Compliments of Bensound Connect with me: 🌐 Visit my website: https://discovertampaliving.com/ 📱 Follow me on Facebook: https://www.facebook.com/tracey.pines 💼 Let's connect on LinkedIn: https://www.linkedin.com/in/traceyrosepines/ For inquiries or personalized real estate and mortgage guidance, feel free to reach out: 📞 Call/Text: 813-245-7912 📧 Email: Tracey@discovertampaliving.com Tracey Pines SL3038596 Real Estate Solutions Tampa, Florida Licensed Mortgage Originator NMLS#990556

Welcome to my channel, your trusted source for all things related to Tampa real estate and mortgage insights! I'm Tracey Pines, a licensed Real Estate Agent and a Licensed Mortgage Originator, here to empower you with knowledge. 🏡 In this eye-opening video, we unravel common myths surrounding the home buying process and demystify the role of a home appraisal. Have you ever wondered if a borrower needs to get a home appraisal? Join us as we separate fact from fiction. 🔍 Unveiling the Myths: 00:23 - Myth 1: Appraiser is hired by the borrower 00:45 - Myth 2: Improvements are dollar for dollar 01:12 - Myth 3: Appraisers set the value 01:33 - Myth 4: Appraisers and Home Inspectors are the same Our goal is to ensure you're well-informed when navigating the real estate landscape. Whether you're buying, selling, or investing in property, understanding the home appraisal process is crucial. 📝 About Me: I'm a Tampa native, proud graduate of the University of South Florida, and a passionate real estate advocate. My mission is to provide you with insights into Tampa's vibrant communities, valuable tips for buyers and sellers, and expert guidance on mortgage loans and processes. Join our community by hitting the subscribe button, and let's embark on this educational journey together! Connect with me: 🌐 Visit my website: https://discovertampaliving.com/ 📱 Follow me on Facebook: https://www.facebook.com/tracey.pines 💼 Let's connect on LinkedIn: https://www.linkedin.com/in/traceyrosepines/ For inquiries or personalized real estate and mortgage guidance, feel free to reach out: 📞 Call/Text: 813-245-7912 📧 Email: Tracey@discovertampaliving.com Let's dispel the myths and equip you with the knowledge you need for a successful real estate journey! Tracey Pines SL3038596 Real Estate Solutions Tampa, Florida Licensed Mortgage Originator NMLS#990556

Welcome to my channel, your ultimate source for all things Tampa real estate and mortgage-related! I'm Tracey Pines, a licensed Real Estate Agent and Mortgage Originator in sunny Tampa, Florida, with 25 years of mortgage lending experience. Today, I'm sharing the essential first step to securing your dream home: Mortgage Pre-Approval. 🏡 The First Step to Homeownership: Whether you're a first-time homebuyer, looking for a vacation escape, or diversifying your investment portfolio, getting the right mortgage is critical. The very first step in your homebuying journey is NOT calling a real estate agent. Instead, it's all about Mortgage Pre-Approval. 📝 Pre-Qualification vs. Pre-Approval: I'll walk you through the key differences between pre-qualification and pre-approval. Pre-qualification is a good starting point if you're unsure about your financial position or planning to buy a home in the distant future. It's a basic assessment based on a phone conversation about your income, assets, debts, and credit history. However, if you're ready to find your dream home in the near future, you need to take the next step: Mortgage Pre-Approval. This involves completing a loan application, providing supporting documentation (like tax returns, W2s, and pay stubs), and sharing financial statements to demonstrate your ability to save for a down payment. Your credit report will be checked, allowing you to address any discrepancies. 📊 The Power of Pre-Approval: Mortgage Pre-Approval provides you with precise information. You'll know your exact loan amount, estimated monthly payments, and the required down payment. It's like being a cash buyer, giving you a significant advantage when negotiating with sellers. A clean contract combined with a pre-approval letter can even outshine all-cash offers in bidding wars. Join me on this educational journey into the world of mortgages and real estate. Don't forget to hit that subscribe button to stay informed about Tampa's real estate market and gain valuable insights into the home buying process. Connect with me: 🌐 Visit my website: https://discovertampaliving.com/ 📱 Follow me on Facebook: https://www.facebook.com/tracey.pines 💼 Let's connect on LinkedIn: https://www.linkedin.com/in/traceyrosepines/ For inquiries or expert guidance on your mortgage journey, feel free to reach out: 📞 Call/Text: 813-245-7912 📧 Email: Tracey@discovertampaliving.com Discover the power of Mortgage Pre-Approval and take control of your home buying experience. Your dream home is closer than you think! Tracey Pines SL3038596 Real Estate Solutions Tampa, Florida Licensed Mortgage Originator NMLS#990556

Welcome to my real estate channel! I'm Tracey Pines, a real estate agent in sunny Tampa, Florida. Today, we're diving into the world of real estate appraisals. What exactly is an appraisal, and why is it crucial in the home buying process? Let's break it down. 🏡 What is an Appraisal? An appraisal is more than just a number. It's an unbiased estimate of a property's true market value. But who's responsible for this assessment? In Florida, real estate appraisers undergo rigorous training and must be licensed. They follow strict guidelines, including coursework, work experience, and passing exams, to ensure accuracy. 💰 Why Do We Need Appraisals? Appraisals play a pivotal role in real estate transactions. Here's why: - Buyer Protection: Buyers want to ensure the purchase price aligns with the appraised value to avoid overpaying. - Lender Security: Mortgage lenders order appraisals to protect their investment. If a buyer defaults on their loan, the lender needs to recoup their funds. 📅 When Are Appraisals Ordered? Appraisals come into play after the buyer and seller agree on a purchase price and sign the contract. The lender typically orders the appraisal, with the buyer covering the cost, which usually amounts to a few hundred dollars. 💡 What Happens if the Appraisal Differs? Sometimes, the appraised value can be higher, lower, or equal to the purchase price. If it's lower, there are options: - Adjust Your Down Payment: Buyers can contribute more to meet the contract price. - Appraisal Contingency: If your contract includes one, you can walk away or renegotiate with the seller. - Renegotiate the Price: You can discuss a new contract price based on the appraised value. Join me as we demystify real estate appraisals and empower you with essential knowledge for your property journey. Don't forget to like, subscribe, and hit that notification bell to stay updated on all things real estate in Tampa, Florida! Connect with me online: 🌐 Website: https://discovertampaliving.com 📘 Facebook: https://www.facebook.com/TraceyPinesRealEstate 🔗 LinkedIn: https://www.linkedin.com/in/traceyrosspines For inquiries or personalized real estate guidance, reach out to Tracey@discovertampaliving.com Let's embark on this informative journey together. Your dream home is just a step away! Tracey Pines SL3038596 Real Estate Solutions Tampa, Florida Licensed Mortgage Originator NMLS#990556

Welcome to Tampa Living! If you're considering a move to the vibrant city of Tampa, you're in for a treat. In this video, I'm Tracey Pines, your Tampa real estate expert from Real Estate Solutions, and I'm thrilled to share with you the top 10 reasons why Tampa should be your next destination. 🌞 Reason 1: Perfect Weather Year-Round Tampa boasts some of the most enviable weather in the country. Say goodbye to shoveling snow and hello to endless sunshine. 💲 Reason 2: Affordable Cost of Living Discover how you can enjoy the Florida lifestyle without breaking the bank. Tampa offers an excellent cost of living compared to other cities like Miami. 🎭 Reason 3: A Hub for Arts and Culture Explore Tampa's rich cultural scene with museums like MOSI, the Salvador Dali Museum, Tampa Museum of Art, and more. Plus, we have a thriving theater scene! 👥 Reason 4: Diverse Community Tampa welcomes everyone - from millennials to retirees and families of all sizes. It's a place where diversity thrives. 🍽️ Reason 5: Foodie Paradise Food lovers rejoice! Tampa's culinary scene is a true delight, offering everything from traditional cuisine to gourmet food trucks. 🎢 Reason 6: Thrilling Theme Parks Get your adrenaline fix at Adventure Island and Busch Gardens right here in Tampa, or take a short drive to world-renowned parks like Disney World and Universal Studios. ✈️ Reason 7: Convenient Travel Tampa International Airport is one of the best in the world, making travel a breeze. Plus, you can set sail from the Port of Tampa with cruise lines like Holland America and Carnival. 🏖️ Reason 8: Beautiful Beaches Tampa Bay is home to stunning beaches just a short drive away. Enjoy the sun, sand, and surf at various picturesque locations. 🎉 Reason 9: Festivals Galore Join in on the fun at Tampa's many festivals, from family-friendly events to food and wine extravaganzas. Don't miss the annual Gasparilla pirate festival! ⛳ Reason 10: Golfers' Paradise Tee off at one of Tampa's 20 golf courses or explore the 31 within a 20-mile radius. Ready to make Tampa your new home? Reach out to me for expert guidance on your move. 🌐 Connect with me online: Website: https://discovertampaliving.com Facebook: https://www.facebook.com/TraceyPinesRealEstate LinkedIn: https://www.linkedin.com/in/traceyrosspines For inquiries, email me at Tracey@discovertampaliving.com Tracey Pines SL3038596 Real Estate Solutions Tampa, Florida Licensed Mortgage Originator NMLS#990556

Welcome to the ultimate guide of the top 20 things to do in Tampa, Florida! Whether you're a local looking for new adventures or planning a visit to this vibrant city, we've got you covered. Plus, stay tuned for four bonus places to visit and a list of fantastic free attractions. 00:00 Introduction 00:25 Zoo Tampa 01:31 MOSI 02:10 Glazer Children's Museum 02:39 Tampa History Museum 03:33 Tampa Theater 04:21 Busch Gardens/Adventure Island 06:15 Skippers Smokehouse 07:03 Channelside 07:30 Beach Ben T Davis 07:58 Waterworks 08:24 Riverwalk 09:16 Ybor City 10:29 Parks 11:02 Tampa Electric Manatee Viewing Center 11:37 Tampa Firefighter Museum 12:07 JC Newman Cigars 12:41 TECO Line Street Car 13:43 Sparkman Wharf 14:33 Sacred Heart Church 15:02 Bonus #1 Wat Tampa 15:47 Bonus #2 Hyde Park Village and SOHO 16:33 Bonus #3 Florida Aquarium 17:37 Bonus #4 Professional Sports Are you considering a move to the Tampa Bay Area? Don't miss out on our FREE relocation guide, packed with valuable information: https://discovertampaliving.com/tampa-bay-area-relocation-guide-2/. Hello, I'm your licensed Real Estate Agent and Mortgage Originator, Tracey Pines. My mission is to assist individuals in buying, selling, and investing in real estate. Tampa is my hometown, and I'm a proud graduate of the University of South Florida. On this channel, we dive deep into Tampa's communities and the surrounding areas, providing insider tips for both buyers and sellers. I'm here to answer your questions about the home-buying process and to demystify the world of mortgages. If you're passionate about exploring the Tampa real estate market, learning about mortgage loans, and discovering the unique charm of Tampa Bay, hit that subscribe button. Welcome to the channel, and I look forward to sharing more with you soon! Some of the music featured in my videos is courtesy of bensound.com. Connect with me: 🌐 Visit my website: https://discovertampaliving.com/ 📱 Follow me on Facebook: https://www.facebook.com/tracey.pines 💼 Let's connect on LinkedIn: https://www.linkedin.com/in/traceyrosepines/ For inquiries or personalized real estate and mortgage guidance, feel free to reach out: 📞 Call/Text: 813-245-7912 📧 Email: Tracey@discovertampaliving.com Tracey Pines SL3038596 Better Homes & Garden Real Estate Tampa, Florida Real Estate Solutions Licensed Mortgage Originator NMLS#990556