Hector Homes Tampa - Realtor

Hector Homes Tampa - Realtor Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Hector Homes Tampa - Realtor, Estate agent, 607 W. Horatio Street, Tampa, FL.

Two in one day!!!!Huge thank you to my amazing buyer, Sunshine, for trusting me through the entire virtual home buying p...
04/10/2026

Two in one day!!!!

Huge thank you to my amazing buyer, Sunshine, for trusting me through the entire virtual home buying process all the way from DC! ☀️🏡

From FaceTime video tours to a fully virtual closing, she put her trust in me every step of the way — and together, we made it happen seamlessly. It was such a pleasure helping you find your way home from a distance!

Congratulations again, Sunshine, and thank you for allowing me to be part of such an exciting journey. Wishing you so much happiness in your new home! 💛🔑

04/09/2026

Huge thank you to Christina for trusting me to help with your home buying journey! 🏡 It was such a smooth and easy process, and I’m so grateful I got to be your realtor through it all. Congrats again!! 🎉

Also, big shoutout to my cousin Calvin Borges for the custom jacket — absolutely killed it! 🔥

Good day today!
04/09/2026

Good day today!

04/03/2026

If you use an FHA loan…
you may pay mortgage insurance twice 👀

That fee is called MIP.

Here’s the simple version:

With many FHA loans, you can have:

1 upfront mortgage insurance fee at closing
1 monthly mortgage insurance fee added to your payment

That’s what surprises a lot of buyers.

And just like PMI…

MIP protects the lender — not the buyer.

Here’s the part most buyers don’t know 👇
If you put less than 10% down, monthly MIP can stay for the life of the loan
If you put 10% or more down, it typically lasts 11 years
Smart buyer move:

Don’t just ask:

“What’s my monthly payment?”

Ask:

How much is my MIP?
How long will I pay it?
What’s my exit strategy from FHA?

Sometimes the best play is:

Use FHA to get in… then refinance into conventional later.

Comment FHA if you want me to break down when FHA makes sense vs conventional.

03/26/2026

If you buy a house with less than 20% down…

You may have to pay a monthly fee that doesn’t even protect you 👀

That fee is called PMI.

Here’s the simple version:

PMI = Private Mortgage Insurance

If you put less than 20% down, the lender may see you as a higher risk…
so they charge you PMI.

But here’s the part most buyers don’t know:

PMI protects the lender
NOT the buyer.

That’s why so many buyers hate it.

And yes… it can add hundreds of dollars to your monthly payment.

Smart buyer move 👇

Don’t just ask:

“What’s my monthly payment?”

Ask these 3 questions:

How much is the PMI?
When can it be removed?
Is lender-paid PMI an option?

That’s the kind of question that can save you serious money.

Comment PMI if you want me to do a full breakdown of how buyers get rid of it.

03/22/2026

Episode 6 — Appraisal Gap

If the appraisal comes in lower than your offer…

You may have to bring more cash to closing.

That’s called an appraisal gap 👇

Example:

You offer $350,000
The home appraises at $340,000

That’s a $10,000 appraisal gap

And the bank usually won’t lend above the appraised value.

So you typically have 3 options:
• Ask the seller to lower the price
• Bring the extra cash yourself
• Negotiate somewhere in the middle

💡 The tactical move most buyers miss:

In a competitive market, some buyers agree to cover part of the appraisal gap up front to make their offer stronger.

But don’t say:

“I’ll cover any gap.”

Say:

“I’ll cover up to $5,000.”

That keeps your offer competitive without exposing yourself to a surprise cash hit.

Comment GAP if you want a breakdown of when this strategy makes sense.

Hashtags:

03/11/2026

Episode 5 — Inspection vs Appraisal

If you confuse an inspection with an appraisal…
you could make a very expensive mistake.

Here’s the simple version 👇

Inspection = for YOU
It checks the condition of the house
(roof, AC, plumbing, electrical, foundation)

Appraisal = for the BANK
It checks the value of the house
to see if it’s worth what you offered

Here’s the part most buyers don’t know:

A bad inspection can help you negotiate repairs or a credit

A low appraisal can force you to bring more cash or renegotiate the price

So no… they are not the same thing.

Inspection = condition
Appraisal = value

Comment CHECKLIST if you want the 3 things buyers should always watch for after going under contract.

03/08/2026

Most people suffer because they think
how they feel right now
is the whole story.

It’s not.

It’s just the terrain you’re standing on.

Save this for the next valley.





03/07/2026

Earnest money isn’t just a deposit.

It’s a signal to the seller that you’re serious.

But here’s the part most buyers miss 👇

Your contract deadlines are what actually protect your deposit.

Inspection
Financing
Appraisal

Miss those timelines and your earnest money could be at risk.

Pro tip:
Strong offers often win by shortening timelines, not just increasing the deposit.

Comment DEPOSIT if you want to know what buyers typically put down.

HouseHunting RealEstateEducation

03/05/2026

Your brain filters reality.

Not by what exists…
but by what you expect to see.

Train the filter.

Save this to reset your mental filter.





03/01/2026

Are You Smarter Than a 5th Grader — Real Estate Edition 🏠

Escrow doesn’t magically protect your deposit.

Your contract deadlines do.

Miss inspection or financing deadlines?
You could lose your earnest money.

Hit your timelines?
You’re protected.

Non-obvious tip:
You can often negotiate who holds escrow — and that can matter if a deal falls apart.

Buying soon?
Comment “TIMELINE” and I’ll send the 3 deadlines most buyers miss.

02/28/2026

Piece of Mine.

Chronic stress shows up in the body.
Suppressed emotion activates the nervous system.

Your body reacts
before your ego explains it.

Listen to the signal.

Poll ⬇️
When you feel stress physically, do you…

🟢 Slow down and regulate
🔵 Power through it

(no judgment — awareness builds control)

Save this if you’re learning your signals.
Share it with someone working on regulation.





Address

607 W. Horatio Street
Tampa, FL
33606

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