Residency in another state ....

10 Replies

Bare with me while I explain what question I need answered ... I live in PA and want to move to Florida and in doing so want to rent my current house. I don't want to have my house in PA showing up as my primary resident. I am being told that I must residency in Florida for 90 days so that my house in PA isn't my primary domain. Also,. since we will be purchasing a second home our interest rate will be higher. Is there any way around this "must show residency for 90 day rule"?? Hope I explained this correctly. Thanks  ...

@Kenneth Vargas Florida is very very difficult with this. Many people try to do this to escape state income tax. Are your bills and everything in florid? Are you residing in Florida?

Originally posted by @Nick Britton :

@Kenneth Vargas Florida is very very difficult with this. Many people try to do this to escape state income tax. Are your bills and everything in florid? Are you residing in Florida?

 No.. I am currently in PA and moving to Florida next June. If I have to show residency for 90 days, I will have to move multiple times which can become expensive. We want to use the rent proceeds from the house in PA to off set our debit to income ratio while purchasing a new home in Florida. Does that make sense? I'm trying to explain this as best I can. I also don't want my interest rate to be higher on my new purchase. I guess they want you to show that the home in Fl will be my primary resident and not the home in PA. Is there any way around this??

@Kenneth Vargas None that I'm aware of.. If you succeed in getting residency on a very quick basis, then Florida will send you a letter periodically to confirm you are still there... It usually contains a code and you must log in within 3 days to confirm.. Such a pain

Well.. My other plan is to get an apartment in Tampa Fl under my name, then have my sons move in and occupy it for 90 days.  Since my name is on the lease I can still show the residency I need. Correct me if I'm wrong ...

I'd call a few Mortgsge people in FL and ask him/her because they will know best.  If you are needing to be here for 90days make friends with someone now so you can just use their address for some mail and your drivers license.  

Originally posted by @Adrian Smude :

I'd call a few Mortgsge people in FL and ask him/her because they will know best.  If you are needing to be here for 90days make friends with someone now so you can just use their address for some mail and your drivers license.  

 Actually I have a step sister living in Tampa and I think my wife has some relatives that live in Florida as well... 

Originally posted by @Kenneth Vargas:
Originally posted by @Adrian Smude:

I'd call a few Mortgsge people in FL and ask him/her because they will know best.  If you are needing to be here for 90days make friends with someone now so you can just use their address for some mail and your drivers license.  

 Actually I have a step sister living in Tampa and I think my wife has some relatives that live in Florida as well... 

 Do you know of any reliable mortgage people that I can personally talk to in Florida?

@Kenneth Vargas  Not sure how you are speaking to or getting this info, but its being misinterpreted. Lot of people want to "claim" Florida residence for the tax advantages.

Here is the skinny:
  • If you rent your current house, then it is a rental. You can go out a rent yourself, and your rental will still count as a rental.
  • If you are moving to Florida for a valid reason (new job, new business, be closer to parents, etc.) and can establish that this is not a strategic "move" (your child is enrolled in local school) you can buy a property in Florida as your primary residence.
  • The rent credit will depend on your experience as a landlord and LTV of the outstanding loan.

Hope this helps.

Upen Patel

Mortgage Banker, VA Loan Specialist

National Lender, Federal NMLS# 1374243

Originally posted by @Kenneth Vargas :
Originally posted by @Kenneth Vargas:
Originally posted by @Adrian Smude:

I'd call a few Mortgsge people in FL and ask him/her because they will know best.  If you are needing to be here for 90days make friends with someone now so you can just use their address for some mail and your drivers license.  

 Actually I have a step sister living in Tampa and I think my wife has some relatives that live in Florida as well... 

 Do you know of any reliable mortgage people that I can personally talk to in Florida?

 I sent you a PM

Appears there is an underlying reason not discussed that might complicate things but ignoring that, moving to Florida is really simple. I rent there and have kept my Pennsylvania house for when we return to visit and get out of Florida summer heat. pa house is second home which I could easily rent and rented Florida condo is legal residence.  

Rent or buy a property

Pay utilities

Transfer auto tags ( pay fees) to Florida. ( show signed lease and 3 months paid utilities in your name) 

Pay Florida insurance agent for insurance on autos.

Register to vote ( after required time in Florida which I think is three months.)

I have also heard you can go to county office and file a declaration of residency, (for the record), but I never have.

I spend more days in Florida that I spend in my prior state of residency.  I also have my personal attorney and written will in Florida as well as my physicians and banking. 

I did not find it to be a difficult problem to change . Just get there and live there. ( unless there is an underlying issue not discussed)

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