Property Taxes, Insurance, and HOA Issues

I have an important case scenario that affects senior homebuyers on fixed income. I have multiple similar case scenarios that affect my clients. Let’s take a recent case where Mr. and Mrs. John and Jane Doe purchased a $250,000 new-construction single-family home in Ocala, Florida. Both Mr. and Mrs. Doe are retired on a fixed Social Security income of $4,400.00 per month. They purchased a modest new construction home. The principal and interest (P and I) at 6.75% was $1,592 per month; the annual property tax assessed was $2,100; and homeowners insurance was $800, FHA Annual Mortgage Insurance Premium $111.

Total monthly housing payment: $1,943.

Other monthly expenses: $700 (auto loan, minimum credit card payments)

Monthly income was $4,400, grossed up 15% to $5,060.

Debt-to-Income Ratio was 38.4% front-end and 52.2% back-end.

The homeowner was barely getting by with the above case scenario: What happened is the county increased property taxes to $4,600 annually, and the homeowner’s insurance was increased to $2,500, which skyrocketed their front-end debt-to-income ratio to $45.3% and back-end debt-to-income ratio to 59.2%, which means they are going to be short in paying their monthly housing payment. This type of property tax hike and homeowners insurance increase should not be allowed and should be deemed a predatory practice by the county and insurance companies. My question is the following: Is there a property tax and homeowners insurance cap? What laws and legal remedies are there to protect senior citizens on fixed income? What are realistic solutions there are to help senior homeowners who could no longer afford their homes due to exponential property tax hikes and homeowners insurance increases?

Is it true that Governor Ron DeSantis is abolishing property taxes in Florida later this year?

Do you get a property tax reduction if you have been hives on your property in Wisconsin or Illinois? In Wisconsin, beekeeping can lead to significant tax savings, though “tax exemption” often refers to sales tax on equipment rather than a total exemption from property taxes. For land, beekeeping is categorized as an agricultural activity that qualifies property for use-value assessment, which can reduce the taxable value of the land by 90% to 98% compared to its market value.

1, (https://www.jackasshoneyfarms.com/bee-tax-exemption),

2 (https://beeexemption.com/),

3 (https://www.salesandusetax.com/wisconsin-sales-tax-exemption-manufacturing),

4 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper)

Property Tax Benefits

Beekeeping allows land to be classified as “agricultural land” for property tax purposes, meaning it is taxed based on its income-producing potential rather than its fair market value.

1 (https://www.jackasshoneyfarms.com/bee-tax-exemption)

2Tax Reduction: This classification typically reduces the property’s taxable land value by 90% to 98%, often resulting in annual savings of $2,000 to $8,000+ for qualifying landowners.

Hive Requirements: While some counties vary, standard guidance suggests a minimum of 50 hives to qualify for commercial agricultural status, though some programs work with as few as 6 hives for specialized valuations.

Land Requirements: Minimum acreage varies by county and specific program, but owners with 5 to 20 acres of rural land are often primary candidates for these agricultural valuations.

1 (https://primalbee.com/blogs/modern-beekeeping/the-simple-tax-guide-for-backyard-beekeepers?srsltid=AfmBOoqQ7-zpQpXtfJ1gBnLtFho7q30AzRrV6vmkwkmt3n3GexG_eTEI)

2 (https://jcshoneybees.com/ag-exemptions/),

3 (https://www.beesource.com/threads/property-tax-agricultural-exemption-for-bees.227764/page-2)

4 (https://beeexemption.com/), 5 (https://www.jackasshoneyfarms.com/bee-tax-exemption)]

Sales and Use Tax Exemptions

Beekeepers in Wisconsin are eligible for a 100% sales tax exemption on specific items used exclusively for beekeeping.

1 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper),

2 (https://docs.legis.wisconsin.gov/document/administrativecode/Tax%2011.12(4)(b)6.c.)

Exempt Items: This includes bees, beehives, bee combs, and drugs for bees. It also covers electricity and fuel used directly in beekeeping operations.

Qualifications: Historically, this required having 50 or more hives, but legislative updates have aimed to expand this to any beekeeper regardless of size.

Documentation: To claim this, you must use a Wisconsin Sales and Use Tax Exemption Certificate

(https://www.google.com/url?sa=i&source=web&rct=j&url=https://www.revenue.wi.gov/dorforms/s211f.pdf&ved=2ahUKEwjxxLKL3J2UAxVdoSsGHSB5IWMQy_kOegQICBAD&opi=89978449&cd&psig=AOvVaw2uOxLtAGBMHldycKzisepl&ust=1777918342857000)when making purchases.

1 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper),

2 (https://www.billtrack50.com/billdetail/872660), 3 (https://www.wpr.org/agriculture/help-wisconsin-bees-lawmakers-look-make-beekeeping-cheaper),

4 (https://www.revenue.wi.gov/dorforms/s-211f.pdf)

Farmland Preservation Credits

If your land is in a certified farmland preservation zoning district, you may qualify for additional income tax credits:

1 (https://datcp.wi.gov/Pages/Programs_Services/FPTaxCredits.aspx),

2 (https://datcp.wi.gov/Pages/Programs_Services/FPTaxCredits.aspx),

3 (https://ruralwi.com/resources/wi-farmland-preservation-tax-credits/)

$10.00/acre for land in an area zoned for farmland preservation.

$12.50/acre for land in both a preservation zone and an agricultural enterprise area with a signed agreement.

Credit Level: The actual credit is 100% of the potential amount if the land is covered by both local zoning and a county

• This discussion was modified 3 months, 1 week ago by  Gustan Cho.

Property Tax Assessment Fraud Nationwide. Did the Jackson County Property Tax Assessor commit Property Assessment Fraud? Missouri orders Jackson County property tax rollback, sparking fears of budget shortfalls. What parcels are in Jackson County, Missouri? What role does a tax assessor play in determining property taxes? How do I get the extra money I paid in property taxes due to property tax assessment fraud?

https://youtu.be/sVGD2ccUiq0?si=hiyhLJZa3U-o5eyN

• This discussion was modified 1 year, 12 months ago by  Gustan Cho.

Anyone in the Rockford Illinois area needing a talented general home improvement expert with a proven track record contact Matt Krienke, owner, master renovation expert, general contractor, and hands on carpenter of Becky Vision Renovation and Construction.

608- 718-2929

Highly recommend and endorsed by Gustan Cho Associates and its Wholly-Owned Subsidiary Companies

https://www.beckysvisionremodelingandcontractingllc.com/

• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.

beckysvisionremodelingandcontractingllc.com

Vision Remodeling and Contracting

Vision Remodeling and Contracting

How does the county assessor’s office value home prices and property taxes? What does the assessed value of a home mean? What factors are used by the assessor in determining my home’s assessed value and property taxes? How can I reduce my property taxes? What is the maximum property tax increase in each of the fifty states? Do seniors get a break in property taxes in every state? Where are my property taxes used for? Should homeowners challenge property tax assessment with the county assessor? What is the step by step process in disputing and challenging your property taxes? What are frequently asked questions from homeowners about property tax assessments. What is the difference between assessed versus market value on real estate. What is the basic explanation of property assessments? How are owner-occupant homes, investment homes, and commercial properties assessed and how are the property taxes on these three different types of properties determined?

Mayor Brandon Johnson says that for Chicago to function fully, he needs $ 300 million. To do this, he wants property tax revenue from homeowners and real estate investors in Chicago, which will allow him to cover the budget deficit. So, why is Chicago so broke? Why is there a hiring freeze, and why can we not hire 700 vacancies in the Chicago police department when crime rates are skyrocketing? Why does Chicago need to make across-the-board personnel? Why is Chicago increasing fees and costs on city services, such as parking and other revenue-generating portals?

The answer is obvious. Mayor Johnson has welcomed tens of thousands of illegal immigrants, costing the City of Chicago 1 billion dollars.

From the moment he assumed office in May 2023, Chicago Mayor Brandon Johnson has dealt with a complicated economic situation. His administration set out to solve a budget deficit that is expected to reach almost $1 billion by 2025, all while trying to keep key city services running.

Budget Gap and Suggested Steps

In order to fill the gap of 986 million dollars, Mayor Johnson’s administration has proposed a balanced budget that relies on responsible spending and investing. Some highlights are as follows:

Operational Efficiencies: Reducing the headcount by over full-time 744 non-core CPD civilian positions, with 456 being from the Chicago Police Department (CPD). The primary goal is to enhance efficiency without jeopardizing public safety.

Revenue Enhancements: A boost in the tax rate on cloud computing services by 128 million dollars and a rise in parking, grocery bag, rideshare, and streaming taxes. These moves aim to broaden the revenue base of the city.

Tax Increment Financing (TIF) Surplus: A historic 570 million dollar surplus of TIFs to support Chicago Public Schools, libraries, parks, and City Colleges enables the city to invest these taxpayer dollars back into essential public assets.

Effects of the Migrant Surge

Chicago has received over 42,000 undocumented migrants, and with it has incurred unprecedented expenditures of around 299 million dollars. Since the time Mayor Johnson took office, the city has spent over 215 dollars. The spending has been directed to shelters, food, medical services, and other areas deemed necessary.

The financial commitment in support of migrants has further deepened the discussions among citizens and government officials, especially with the emphasis on the budget deficit.

Some community members are worried that spending money on migrants might decrease the resources available to long-time residents. They have made this point in public meetings where they have asked to serve locals first.

Federal Immigration Law Considerations

In discussions about federal laws on immigration, the status of Chicago as a sanctuary city has been a constant feature. Mayor Johnson has restated that the city will continue to house migrants, even when it might bring more costs and lawsuits. This position also reflects a conflict on the allocation of powers of local governments with immigration policies, particularly in times when federal aid may be scarce.

Public Response and Political Implications

These policies by the administration have drawn different reactions from citizens. In reply to the humanitarian efforts of the city, some residents get outraged by the increased taxes and steeper spending. Town halls have turned into outlets for people to vent, with many asking why so much money is spent and what the consequences are on the communities.

Finally, Mayor Brandon Johnson’s governorship has to do with attempts to control public finances while being supportive of social spending.

Chicago’s policies and public discussions have been affected recently, and quite a lot like the challenges of having a deficit budget along with the costs involved in managing a large migrant community.

Allowing the crossing of border illegal immigrants causes a $1 billion deficit in the budget, which Chicago homeowners and real estate investors can cover up with an additional $300 million tax in 2025. Shouldn’t the citizens of Chicago and other cities do something and eliminate incompetent politicians? Besides Mayor Brandon, Illinois Governor JB Pritzker is another incompetent politician who needs politician experience running a large city and state.

https://www.youtube.com/watch?v=yoEZxyBGfzc

• This discussion was modified 1 year, 5 months ago by  Gustan Cho.

I have a first mortgage with a 3% mortgage rate. I need to do a lot of renovations to my house, both exterior and interior. How can I get a renovation loan at a low rate where it can be interest only. I would want a drive by appraisal versus a full appraisal. What credit score do you need and what are the rate and term?

Brent Norkus is the preferred insurance agent for Gustan Cho Associates . Brent Norkus of Goosehead Insurance is my personal insurance agent for my homeowners insurance, cars, motorhome, and ATV, motorcycles, boat, and all other insurance needs. Brent Norkus of Goosehead insurance can offer insurance through Goosehead Insurance in all 50 states. After going over hundreds of terms and premiums, Brent Norkus can get our borrowers the best terms and insurance than any other insurance company in the nation. Hands down. I have borrowers save over 50% on their homeowners premium on their homeowners insurances. Besides homeowners insurance, Brent Norkus can beat any insurance premium on their cars, business, and property casualty insurance premium. Give Brent Norkus of Goosehead insurance a try. Or ask any insurance questions on this forum and Brent Norkus will answer them.

• This discussion was modified 1 month ago by  Sapna Sharma.

What is homeowners insurance? What does homeowners insurance cover? I heard Brent Norkus of Goosehead Insurance is GCA Mortgage Group’s preferred homeowners referred insurance agent. Can Brent Norkus answer the general concept of homeowners insurance to first-time homebuyers?

If you reside in an area prone to flooding, it is highly advisable to consider obtaining flood insurance. This specialized insurance policy protects your property and belongings in a flood. It is essential to remember that typical homeowners’ insurance policies do not cover damage resulting from floods, making a separate policy mandatory. When evaluating a flood zone, it is imperative to understand the flood risk level of your property and the available coverage options. Some procedures may only protect specific types of water damage, such as damage caused by heavy precipitation, mudflow, or overflowing rivers.

The advantages of Goosehead Insurance and Flood Insurance. As a broker, I have flood options other than your typical Wright or Fema policies and standard governmental programs for homes in flood zones.

I have flood insurance carriers referred to as private flood insurance carriers; just like your standard insurance carriers, this private flood carrier has the financial backing that allows them to rate risk differently.

Now, if you have a home in a flood zone, it may be a scary situation for a buyer. In the eyes of the buyer, we do not want a “let’s go see the next home” attitude, especially if this is a home that the client loves.

Fortunately, being able to shop the private market for flood insurance has changed the game. It is typically priced much better than expected and can help reduce the anticipated closing cost.

Brent Norkus, of Goosehead Insurance is the preferred referred insurance agent at Gustan Cho Associates in Oakbrook, Terrace, Illinois. GCA Mortgage Group is licensed in 48 states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. Brent Norkus of Goosehead Insurance is availabe seven days a week, eveningss, weekends, and holidays. Brent Norkus of Goosehead Insurance, unlike other insurance agent, is hands on and leads by example. Like to thank Brent Norkus of Goosehead Insurance for this article on property homeowners insurance

https://gustancho.com/property-homeowners-insurance/

• This discussion was modified 2 years, 7 months ago by  Gustan Cho.
• This discussion was modified 1 month ago by  Sapna Sharma.

gustancho.com

Property Homeowners Insurance Required by Lenders

Property Homeowners Insurance Is required by lenders to protect both the homeowners and lender's interest and collateral which is the home

Does your credit scores impact your homeowners insurance premium and auto insurance premium?

Cody. It’s a great pleasure speaking with you today about TPO GO government and conventional renovation mortgage loans. You can do a purchase or refinancing on renovation loans on FHA, VA, USDA, and conventional loans. 30 day close. Looking forward to learning more about this government and conventional mortgage loans.

Homeowners who need to reside or repaint their homes should seriously look at this brick veneer product. Looks so cool. Let us now take a closer look at GenStone exterior faux siding in detail –

GenStone Exterior Faux Siding

What is GenStone?

GenStone is a brand that sells manufactured stone veneer and faux siding products intended to replace real stone, brick, and wooden walls. Its products are lightweight, durable, and can be used indoors and outdoors.

Types of Products Offered

Faux Stone Panels: These are offered in many colors and styles and are made to look like natural stones.

Faux Brick Panels: These are brick-looking panels that can be used to achieve a traditional old brick wall style.

Wood and Shingle Styles: Designed to mimic wooden panels, providing the rural feel but without the upkeep.

Materials and Construction

Combining high-density polyurethanes with other materials makes GenStone products light but strong. They are manufactured to withstand different weather conditions and are fade-resistant.

Installation Process

Easy Installation: GenStone panels are designed to ensure ease of installation and enable homeowners or life hackers to complete the work without engaging a contractor.

No Mortar Needed: In most cases, the panels can simply be adhered to the walls, making the use of mortar obsolete.

Cutting and Fitting: Panels can be cut with ordinary tools to conveniently meet requirements for adjusting windows and doors.

GenStone Benefits

Cost-Effective: Faux siding materials are cheaper than installation of natural stone or wood because material and labor costs are lower.

Lightweight: They are easy to carry and fit since they weigh little.

Low Maintenance: These do not need as much care as conventional materials do since they will not rot, change shape, or require new paint.

Versatile Design: They come in different designs and colors to fit various architectural designs.

Applications

The GenStone works great for residential as well as commercial projects, with several exterior facades, accent walls, fireplaces, and even interiors as applications.

Warranty & Support

Most GenStone products are guaranteed to last a long time, and customers are supported in getting what they want. If a customer asks for help with installation or design ideas, they can help.

Environmental Considerations

GenStone products contain recyclable materials that can help conserve energy for a building, thus making them sellable as “eco-friendly.”

Where to Buy

GenStone products are available for order on their website and at other home improvement retailers. However, only some locations will have stock.

Feel free to ask about a certain product type, review other product lines, or get instructions on installing it!

https://genstone.com/products/faux-stone-panels?utm_campaign=tofu_disc_tr&utm_source=im_aud&utm_medium=googl_disc&utm_content=discover_stone&gclid=Cj0KCQiAr7C6BhDRARIsAOUKifhIWwJsYf-vGW_TDChbjAhKl_kyFgYADQ8QOHz1VT0AK38BsmdXJFcaAoexEALw_wcB

• This discussion was modified 1 year, 8 months ago by  Gustan Cho.

genstone.com

GenStone Faux Stone Panels

Shop the GenStone collection of faux stone wall panels for exterior and interior projects to find the perfect color panels for your project.

Chicago, Illinois branded as the top three city in the .United States.

https://youtu.be/BhgSz7XF_K0?si=VeC5qr39Uc8Yxnlf

What is private mortgage insurance (PMI), and when is it required?

I need to replace a large deck with stairs, railings, and the works. Do any of you know this new decking material that is out on the market? I need to do tons of work on my home. House was built in 1998 and need everything from exterior siding, roof, gutters, sofits, fascia, downspouts, windows, driveway, you name it, I need it. This is aside from the inside remodeling project such as kitchens and bathrooms, flooring, countertops, appliances, and more. I will keep everyone posted as how things progress.

This little tool is a must have for any/every homeowner. It ill let you know whether an outlet is hot and also whether it is wired properly. It can tell you whether it is grounded, if the neutral and hot are reversed, etc.

All you need to do is plug it into the outlet. Everyone needs this. Available on amazon here

Do I need to pay mortgage insurance?

Population numbers in cities with high property taxes are decreasing. The populations of cities with high property taxes are dropping rapidly, as scores of homeowners are shifting to other cities where property taxes are lower. This is a key issue which needs to be recognized because it shows us important facts about our communities and housing markets. This phenomenon is happening in different parts of the United States too. Here’s an overview:

Tax Migration: The movement from high-tax areas to low-tax ones is often referred to as “tax migration” or “tax flight.”

Property Taxes: High property taxes act as one major driver for this trend; however, they usually come within the context of a wider high-tax environment encompassing income and sales tax.

Major Examples:

New York has had many people leave them recently due their state’s high taxation policy; Illinois (especially Chicago) has seen similar numbers go away over time because theirs are just too expensive; California also experiences significant outflows annually from those who can no longer afford living there.

On the other hand, states such as Florida or Texas which do not levy individual income taxes at all attract lots newcomers looking seek refuge away From these burdens; Tennessee falls into this category too

Scope: Each year tens-of-thousands leave large metropolitan regions alone – much less smaller ones like Buffalo NY or Cleveland OH – altogether accounting for millions across America each decade!

Implications For Cities: There could be urban decline if people keep leaving cities with higher taxes. City governments may earn less money and struggle with budgets.

Remote Work: With COVID-19 forcing companies into allowing employees work remotely full-time, more working individuals have been given an opportunity never before possible – move without switching jobs!

Cost Of Living Among Other Factors: Taxes definitely drive some moves but things such as cost living differences job availability climates etc also make up part or all motivation behind migration patterns

Political Representation & More: Political power will shift when enough people move out; economies will change too origin places get new businesses destination areas see theirs decline; housing markets could crash in former hotspots while booming elsewhere…

Policy Solutions: Some higher taxed areas are considering implementing new policies that will help them keep residents from leaving. They may reduce taxes or provide other incentives.

Complexity: Causes and effects of this trend can be complex and vary by region, but it is happening!

This shift in where people live is changing who represents them and how their cities are run. It could alter housing markets forever as well… There may be long-term implications for political representation, local economies, and housing markets in origination & destination cities alike.. That being said take into account each specific situation because what’s true here might not hold water elsewhere

https://youtu.be/yrNjUCmTURg?si=PoySl46rKGWN2-Ys

• This discussion was modified 2 years, 1 month ago by  Gustan Cho.

Can someone please explain what it means when a lender or finance company does a FORCE PLACED INSURANCE on the borrower? What does FORCE PLACE INSURANCE MEAN? HOW DOES FORCE PLACE INSURANCE WORK? WHAT IS THE PROCESS OF FORCE PLACED INSURANCE? HOW MUCH IS THE PREMIUM OF FORCED PLACED INSURANCE? DOES THE LENDER GET A KICK BACK ON FORCE PLACED INSURANCE FROM THE INSURANCE COMPANY?

Where can you get financing for solar panels. Illinois state gives tax incentives for homeowners who have solar panels and a monthly check.

What home improvements would you as a homeowner, or soon to be homeowner like to take on in 2023?

Here is the list from Angie’s List – https://www.angi.com/articles/most-popular-home-projects-2023.htm. What do you think?

Most homeowners are focusing on continued maintenance, interior painting and bathroom remodels.

This is a skill that every homeowner should learn. If you follow the steps carefully and safely cut the power before doing anything, then you can do this yourself.

Who feels comfortable wiring a light switch?

Decor trends come and go, but the Modern Farmhouse, Boho Chic and Industrial style seems to be here to stay. There are styles are always evolving and changing in scope, but the core theme remains. Where do you find style inspiration?

A few that I enjoy are

https://studio-mcgee.com/

https://magnolia.com/

https://www.laurelmercantile.com/

https://www.netflix.com/title/81088239

https://www.hgtv.com/shows/home-town

• This discussion was modified 9 months, 3 weeks ago by  Sapna Sharma.

studio-mcgee.com

Studio McGee: Beautiful Interior Design & Home Decor

Explore Studio McGee for timeless home decor and interior design. From design to lifestyle, everything you need to make life beautiful!

Wanted to say thank you to Home Inspection Willie Germino. Home Inspector Willie Germino is the President and Chief Executive Officer of WZG HOME INSPECTION in Chicago Illinois. Willie Germino has worked for our family’s construction business when the bank required home inspections for the homes we built to get our draw or final waiver and payment. Highly recommend Home Inspection President Willie Germino of WZG Home Inspection.

If you currently own a home, you may have experienced a change in mortgage servicer during the life of your loan. The mortgage servicer typically changes when the loan is sold off to a different mortgage company that now holds the financial interest in your property. During this transition, not only does the company that collects your mortgage payments change, but the handling of your insurance and property taxes may also shift. It’s crucial to keep track of communications from both your old and new servicer. This will ensure a smooth transition, and update any automatic payments set up for your mortgage, insurance, and property taxes accordingly. If you have any questions or concerns about the transfer, don’t hesitate to reach out to both servicers for clarification. Remember, open communication is key to a successful transition.

When this changes, you need to notify your home insurance company so that they can update the mailing address of where to send the new home insurance invoice so that the insurance is paid promptly. If this needs to be corrected promptly, it can lead to a nonpayment cancellation on your home insurance. If this payment is made in a reasonable timeframe after the cancellation, then you may be at the underwriter’s discretion for possible reinstatement. Although that is the best possible solution, the opposing side could be a cancelation with a lapse. Which will cause difficulty finding new insurance and or be costly.

#homeownershipgoals #mortgage #playitsafe #knowledgeispower #growthmindset #winning

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FIRST TIME INVESTORS

I have seen this where a current homeowner changes their first purchase into a rental property. There may not be many changes on the mortgage end of things. Still, there are quite a few differences in insurability!

It’s crucial to understand that a typical homeowner policy on a NEW AIRBNB listing will not provide sufficient coverage when you need it most. I’m referring to an Airbnb and a long-term lease, but there are two scenarios where you could be held liable as the property owner. When you have a landlord policy on a rental, they are insuring YOU, the one with the financial interest in the property. YOU are the one with pride of ownership, and you will not want to sue yourself or do any damage. However, the real risk lies in situations involving other individuals, such as renters, their guests, and anyone else involved.

It sounds like a more expensive policy, but it is most often in the price range! Well, most landlord policies, also known as dwelling policies, protect you as the property’s landlord, whether that is tenet damage, loss of rent, or even a lawsuit. So, it is critical to know the difference between the policy types when your buyers are keeping a current home to buy a new one! It could be a secondary home in FL, it could be a property for a family member, or it could be the 10th rental property.

A good agent will take the time to understand the client and their needs and wants, but something is black and white, and I wouldn’t want their purchasing power to decrease by a lousy agent.

What are building permits for renovations for your home? When are building permits required? Why are building permits required? Do building permits increase your property taxes?