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Robert  Guth

"SW Florida native, experienced Realtor, 
Mortgage Expert, on your side 7 days per week"

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Thinking about moving to Cape Coral? Here are some facts and history

Posted on April 10, 2014 at 5:15 PM Comments comments (0)

Cape Coral is 120 square miles making it the third largest city in Florida (behind Jacksonville and Tampa).  It's the largest city in Southwest Florida.

 Most populous city between Miami and Tampa with over 167,000 fulltime residents. Cape Coral is only forty-five percent developed and its built-out population will be more than 400,000.

Cape Coral/Fort Myers MSA ranked 20th by Bizjournals in its list of best places in the United States to launch a small business.

&...

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Things to do in Southwest Florida

Posted on April 9, 2014 at 11:25 AM Comments comments (0)

I wanted to share this website that lists places to see in Southwest Florida. These are places that may or may not be already popular. Some of these locations are off the beaten path, and some are locations that you simply want to see whileyou are here. Go to:

 

http://www.buzzfeed.com/dofloridaright/32-essential-southwest-florida-experiences-nabk

 ...

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What is the TRUE market value of your home?

Posted on March 7, 2014 at 10:25 AM Comments comments (0)

What is Your Home's Value?

Have you ever wondered why the market value of your home differs from what your bank appraises it as? And what value is being used to set and/or increase your property tax bill? It's easy to be confused about the different valuations being used in the home buying and selling process, but knowing a home's value or worth in the real estate market will help you get a fair price.

 

There are generally three ways to determine the value of a home: t...

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A Brief History of Cape Coral

Posted on January 30, 2014 at 9:40 PM Comments comments (0)

Until the birth of Cape Coral, the area was simply known as the other side of the river by homesteaders, loggers, cattlemen, professional fishermen, and sportsmen. However, in 1957 Leonard and Jack Rosen changed that by purchasing a 103 square mile tract, known as Redfish Point, for $678,000. The Gulf American Corporation (GAC) was formed to develop this Waterfront Wonderland and on November 4th of that year, ground was officially broken as Cape Coral.

 

Early in ...

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FBI ranks Cape Coral one of Florida's safest cities

Posted on November 11, 2013 at 1:05 PM Comments comments (0)

The report is conducted annually by the FBI

 

If you live in Cape Coral, you can go to sleep at night knowing you live in one of the safest cities in Florida.

Over the years, Cape Coral has consistently ranked among the top larger cities in Florida regarding its lack of violent and non-violent crimes.

2012 proved to be no different from previous years according to the latest annual Federal Bureau of Investigations (FBI) report.

According to the FBI™ an...

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Florida led the nation in foreclosures completed in August

Posted on November 1, 2013 at 11:20 AM Comments comments (0)

Even as Florida’s housing market is showing solid recovery with impressive gains in prices and sales volume, the state led the nation in foreclosures completed in the year ended in August; no other state was even close, according to CoreLogic.

 

Of the 658,463 foreclosures completed nationwide during the 12-month period, 111,000 of them, or nearly 17 percent, were in Florida, according to the Irvine, Calif.-based data firm.

 

Michigan ranked No. 2, with...

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Foreign National Mortgage Loans

Posted on October 17, 2013 at 11:20 AM Comments comments (0)

A foreign national is anyone who is not a U.S. citizen. If the investor has a work visa or green card, he/she can qualify for a loan under the same underwriting guidelines as a citizen. However, if he/she isn’t a resident, riskier qualifying criteria are used. To offset the increased potential for default, lenders require a significant down payment and higher interest rates.

 

If the loan applicant doesn’t have established lines of credit in the U.S., an internati...

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FHA and HUD Home Loans

Posted on October 17, 2013 at 10:45 AM Comments comments (0)

FHA loans are sometimes referred to as HUD loans as well. These types of mortgages are federally insured programs designed to provide affordable housing options to first-time homebuyers and low-to-moderate-income borrowers who may not be able to qualify for a conventional mortgage. This article answers the question, "What is an FHA or HUD loan?" and describes various types of FHA or HUD loan programs available to potential homebuyers, including fixed rate, adjustable rate, graduated payment, ...

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Reason People Are Denied For A Mortgage Loan

Posted on October 3, 2013 at 11:20 AM Comments comments (0)

We all know it's tougher to get a home loan these days compared with just a few years ago. Banks tightened their credit standards dramatically during the credit crunch, and lenders now accept only 55% of all mortgage applications, according to the latest annual statistics from the Mortgage Bankers Association.

 

Overall lending by U.S. banks plunged by 7.4% in 2009, the sharpest decline since 1942, based on FDIC data. And so far in 2013, banks finally started to ease lending...

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Buying your first home, the easy way

Posted on September 26, 2013 at 11:20 AM Comments comments (0)

Avoid the 10 Most Common, Painful, Frustrating Mistakes First-Time Home Buyers Make

 

Buying a residence can be a hair raising experience. You will experience a roller coaster of emotions while finding the right place, securing the loan and finally moving in. For most of us, the first time home purchase is the largest investment we ever considered. The emotions of purchasing something so expensive and personal can often cloud our business judgment.

 

Most ho...

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