Your Local Area & Pre-construction Expert

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You need a local expert working for you
With my expert knowledge of the local real estate market, I know how to help you with your unique needs and protect your best interests through every aspect of a real estate transaction. I am focused on providing you with the most personal attention and best service available.

You need the advice of a Real Estate Professional
The Internet is a great place to find information. But it can't provide the in depth local knowledge and personalized service of a local real estate professional. The challenges of the real estate industry are getting more complex every day. You need a professional that is on top of the market and is prepared to protect your interests and guide you throughout the process. As a local real estate expert I am constantly researching the market and analyzing home prices so I can serve you with the latest and most accurate information.

For most families, buying or selling a home is one of the biggest decisions you'll ever make. I'd be honored for the chance to help you.

Looking for pre-construction prices and specials? I have them for you!!  I shop the market and meet with builders every week.  I do all the work so all you need to do is call me and make an appointment.

  • Your best interests are my top priority.
  • My focus is on giving you personal attention and the best service.
  • I know the local neighborhoods, schools, market conditions and more.
  • I'll make your deal as seamless as possible.

Make an appointment today
I'd be honored for the chance to help you.  Please call (813) 368-9760 or e-mail me @ rlvillalta@aol.com for an appointment that's easy and convenient for you.

Thanks for stopping by my website. I'm looking forward to hearing from you.


Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed6.47%6.68%
15-yr Fixed6%6.32%
1-yr Adj5.29%6.56%
* national averages
Mortgage Calculator:
Sales Price: $
Down: %
Interest Rate: %
Term: yrs
Monthly payment: $



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WSJ.com: Real Estate
 
Learning to Embrace the Change Order
8/27/2008 9:21 AM
Nancy Keates discovers that the human desire to re-think decisions inevitably leads to changes in homebuilding plans. Those changes often mean big cost overruns – but sometimes, they can also translate to big savings......
 
FHA Raises Premiums for Home Loans
8/27/2008 8:00 AM
The Federal Housing Administration raised the premiums it charges for insuring that mortgages will be repaid to 1.75% of the loan amount......
 
Jefferson Davis's Refuge in South Rises Again
8/27/2008 10:44 PM
Beauvoir, Jefferson Davis's final refuge from 1877 to 1889, was almost destroyed three years ago, when Hurricane Katrina hit. But the amazing story is how much was saved and restored......
 
Pension Funds Watch Fannie, Freddie
8/27/2008 8:49 PM
Public pension funds that hold millions of shares of Fannie Mae and Freddie Mac are watching closely as Treasury Department officials consider whether to step in to help the mortgage-lending giants......
 
Housing Market Still Under Pressure
8/27/2008 8:01 AM
Home prices are improving in some parts of the country but still falling sharply in hard-hit places like Phoenix, as the weak housing market and shaky consumer confidence continue to weigh on the battered U.S. economy......
 
S&P Cuts Mortgage-Insurer Ratings
8/27/2008 7:51 AM
S&P downgraded its credit ratings on the units of three mortgage insurers, reflecting its expectations for increased claims and concerns about the profitability of insured mortgages originated this year......
 
Housing Recession Just Builds
8/26/2008 7:44 AM
With each economic release related to the state of the housing market comes the hope that this one, finally, will prove that the residential real-estate market is on the way to recovery......
 
In a Slow Market, Builders Offer Big Incentives
8/27/2008 9:23 AM
There's no guarantee that the housing market will turn around soon—but some builders are offering discounts that make it worth jumping now. June Fletcher offers tips on how to negotiate for a great deal......
 
China to Alter Insurers' Rules
8/26/2008 7:25 PM
Chinese regulators will give the nation's insurers greater leeway to invest in real estate, a move that could help these big investors diversify their holdings and could open a new source of capital for the weakened domestic property market......
 
Mortgage Fraud Jumped 42% in Year
8/25/2008 9:35 PM
Reported incidents of mortgage fraud jumped 42% nationwide, with Florida reporting the highest number of cases, according to industry data......


 Ruth Villalta, Realtor ®
 HABLO ESPANOL
 Email: rlvillalta@aol.com
 Cell:   (813) 368-9760
 Fax:   (813) 315-6677

                                  
 


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