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Your Premier Source For Southwest
Florida Home Mortgage Loans in Naples,
Fort Myers, Bonita Springs, Estero,
Marco Island, Cape Coral, Port Charlotte,
Orlando, and Throughout The Entire
State of Florida.
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Florida Mortgage Needs
 
 
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Daily Interest Rate Advice - 12/06/2006
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Sand Castle
Mortgage Group, Inc.
2220 Venetian Court
Suite B
Naples, FL 34109
 

8891 Brighton Lane
Suite 118
Bonita Springs, FL 34135
 866-419-SAND 

12995 S. Cleveland Ave
Suite 5
Fort Myers, FL 33907
 866-419-SAND

 

Condominium Loan Specialists in Southwest Florida
  This type of housing has different ownership from a single-family detached home. With a condo, you generally get exclusive ownership to the interior space of your particular dwelling unit, but you own the common areas (walls, grounds, fences, facilities) with the other owners in the complex. A condo owner actually owns the apartment in fee simple, like any other homeowner, and owns an undivided interest in the common areas like parking lots, recreations areas, lobbies and hallways.

Property taxes: Because condos are owned individually, they appear in the property tax rolls as separate entities and, accordingly, individual owners are taxed separately.

Since Condos are considered real property, condos qualify for homestead exemptions (owner occupied) in Florida. Condo developments are governed by covenants, conditions and restrictions. These dictate the owners' rights and the restrictions on those rights.

You become a member of the homeowners' association and pay dues. The dues cover management of the homeowners' association, hazard insurance for the complex and a certain amount of routine maintenance. Precisely what is covered varies.

The cost of the condo association dues will be included as part of your monthly housing payment when calculating how much house you can afford to buy.

The purchase agreement should include a contingency that the seller provide the buyer with condo documents, the articles of incorporation and the bylaws of the homeowners' association. This should include notification of any ongoing litigation and any special assessments.

You should receive a copy of the condo budget, which should be a sound, balanced budget with reserves to cover the cost of major repairs like roofing or elevators. You will also be told what is the monthly, quarterly, or annual maintenance fee. You can also ask for the minutes of condo meetings for the past year. This will tell you if any major renovations or changes are being discussed, and give you some insight into the way the property is run.
 

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Your Southwest Florida Mortgage Resource for the Communities of: Naples, Marco Island, Estero, Bonita Springs, Fort Myers and more ...

Whether you are looking for a mortgage in Naples or Southwest Florida, we have assembled a comprehensive set of tools to make
the entire process easier.

YOUR Naples Florida Mortgage Brokers!

IF YOU ARE NEW TO
NAPLES FLORIDA MORTGAGES

If you are new to mortgages in Naples or Southwest Florida, you have definitely come to the right place. Mortgages practices vary from state to state, and even among counties. We know the mortgage market better than anyone else, and we would love to assist you.

Whether you are looking for a mortgage in Bonita Springs or Southwest Florida, we have assembled a comprehensive set of tools to make
the entire process easier.

YOUR Bonita Springs Florida Mortgage Brokers!

IF YOU ARE NEW TO
BONITA SPRINGS FLORIDA MORTGAGES

If you are new to mortgages in Bonita Springs or Southwest Florida, you have definitely come to the right place. Mortgages practices vary from state to state, and even among counties. We know the mortgage market better than anyone else, and we would love to assist you.

Whether you are looking for a mortgage in Estero or Southwest Florida, we have assembled a comprehensive set of tools to make
the entire process easier.

YOUR Estero Florida Mortgage Brokers!

IF YOU ARE NEW TO
Estero FLORIDA MORTGAGES

If you are new to mortgages in Estero or Southwest Florida, you have definitely come to the right place. Mortgages practices vary from state to state, and even among counties. We know the mortgage market better than anyone else, and we would love to assist you.

Whether you are looking for a mortgage in Marco Island or Southwest Florida, we have assembled a comprehensive set of tools to make
the entire process easier.

YOUR Marco Island Florida Mortgage Brokers!

IF YOU ARE NEW TO
MARCO ISLAND FLORIDA MORTGAGES

If you are new to mortgages in Bonita Springs or Southwest Florida, you have definitely come to the right place. Mortgages practices vary from state to state, and even among counties. We know the mortgage market better than anyone else, and we would love to assist you.

Whether you are looking for a mortgage in Fort Myers or Southwest Florida, we have assembled a comprehensive set of tools to make
the entire process easier.

YOUR Fort Myers Florida Mortgage Brokers!

IF YOU ARE NEW TO
FORT MYERS FLORIDA MORTGAGES

If you are new to mortgages in Fort Myers or Southwest Florida, you have definitely come to the right place. Mortgages practices vary from state to state, and even among counties. We know the mortgage market better than anyone else, and we would love to assist you.

 

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