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The easiest way to become an official
Florida resident is to file a declaration of domicile. Declaring Florida
Domicile is a "question of intent". The courts have ruled that your heart is
where your treasure lies. Many households have more than one residence,
sometimes more than two, so the matter of "intent" is very important. The fact
that one has lived in Florida continuously for six months is not always
true.
The Declaration of Domicile which states
that you reside at a given address, is notarized and filed with the County
Clerk of the Circuit Court of residence. No time constraint is required before
one can legally be declared a resident.
For more information, contact:
Sarasota County Clerk of Circuit Court
2000 Main Street
Sarasota, FL.
(941) 362-4066
www.floridadomicile.com
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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