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What My

Clients Say

From day 1 Vicki has been amazing! Communication on point professional, easy to talk to. She truly listens! Makes you feel secure. Today we had a meeting and the information she provided was spectacular. Works hard to make sure she finds the right home for you.

Ivette C.

First of all, if i could rate her service more than five stars i would. Ms. Carden has exemplary talent in the Real Estate industry. She is hard working, dedicated to her clients, creative, very intelligent, consistent, and available to address all your questions and concerns. I would definitely refer her to my friends and family for any real estate needs.

Julie R.

Vicki has been a true treasure. She understands the difficulties of the current market in Tampa Bay. She made sure to spend the time with me and my family to have a better understanding of our needs and find us the perfect house. She helped with our relocation process as well and I know she went above and beyond for my family to make this transition as simple and painless as possible.

Peter M.

Navigate Tampa Bay Real Estate with Confidence

Buy a home

We pride ourselves in taking the extra time required to understand buyers' unique needs. We offer concierge home buying services to make sure your new home is the perfect home for you!

Sell a home

Whether you are downsizing, relocating, or just looking for something a little different, our local expertise can be sure to guide you through the process.

Real Estate Investment

With over 27 years in Real Estate investment our experts know the ins and outs of investing in real estate. Contact us to learn more about the current market conditions in your desired area.

Home Valuation

A property valuation is an assessment of your property’s value, based on the location, condition and multiple other factors.

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Mortgage calculators are automated tools that enable users to determine the financial implications of changes in one or more variables arrangement.

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Communities

For over four decades, Vicki Carden has been a seasoned resident of Tampa Bay, establishing herself as a dedicated local real estate expert. With a deep-rooted connection to this vibrant area, Vicki takes pride in her role as a homeowner, investor, and engaged community member. Her extensive experience allows her to witness and understand the remarkable growth of Tampa Bay from multiple perspectives. As your trusted real estate partner, Vicki is committed to leveraging her unique insights to guide you through the diverse neighborhoods, ensuring a tailored approach that perfectly aligns with your lifestyle and needs.

Are you buying or selling?

Request your free guide today!

Buying A Home?

Navigating the challenges of today's real estate market can be challenging, but we understand the local market better than anyone else and are here to help you navigate it with confidence to find your perfect home.

Selling A Home?

If you're currently selling your home or considering it in the near future, it's essential to be aware that today's housing market is unlike anything else.

Frequently Asked Questions

Why do you need a Realtor?

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.

When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.

Which loan should you choose?

There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:

1 - Government-backed loans (FHA, VA and USDA):

(a) - Are, unsurprisingly, backed by the government.

(b) - Include FHA loans, VA loans, and USDA loans.

(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.

2 - Conventional loans

(a) - Are not backed by the government.

(b) - Include conforming and non-conforming loans (such as jumbo loans).

(c) - Make up more than 60 percent of the loans generated in the U.S. each year.

What is the difference between FHA, VA and USDA loans?

1 - FHA LOANS:

FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.

FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.

Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.

2 - VA LOANS:

VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.

Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.

3 - USDA LOANS:

You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.

Conventional loans are divided into two types: Conforming loans and non-conforming loans.

1 - CONFORMING LOANS:

Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.

The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.

Properties with more than one unit have higher limits.

2 - NON-CONFORMING (JUMBO) LOANS:

But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.

Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.

What kind of rate should you choose?

Rate types: Fixed-rate vs. adjustable-rate mortgages.

In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.

An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.

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Reach Out

PH: (813) 340-4563

Email: [email protected]

Web: https://vickicarden.com/

107 1/2 S. Evers St

Plant City, FL 33563

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