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The maximum time you may come to the States, if you are not seeking to work or own a business, is six months in any one year, so why not buy a second home to get away from the miserable UK winter months?

As you may already be aware there are no visa categories for retirees, no matter how much money you have.

Prices at the present time are the lowest they have been for years. Many builders and banks, as well as private owners, are selling for 50% less than the selling price two or three years ago.

There are basically two types of properties.

Detached, semi-detached and town homes, all of which may well have gardens and even your own swimming pool but that means expensive overheads, especially when you are not in occupation all the time.
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Alternatively why not consider buying a condo where there will invariable be a swimming pool, gardens, external maintenance, etc. and you all share these costs by way of a monthly charge.

This would be a much more economical way to go and there are some magnificent condos for sale from say $150,000 ( 94,000 ). Just a thought, why not get three other friends together and jointly buy a holiday home and spend three months of the year here and you will have your holiday home for 25% of the total cost?

I am English, from Canterbury, Kent and generally understand what we Brits are looking for and I make no charge to assist, so I look forward to hearing from you. My area is the St. Petersburg, Clearwater, Bradenton and Sarasota being some 30 minutes drive from Tampa airport with BA flying direct from Gatwick and approx 90 minutes drive to Orlando and the Disney attractions.
I have a very good mortgage broker in Florida and he has a superb program for UK Citizens, subject to status, with a minimum of 30% down payment, interest rate currently 3% to 5.5% and over 30 years. The repayments at 5.5% interest are therefore in the region of $56.78 / $10,000 borrowed / month ( at $1.50 / pound that is 37.85 / $10,000 / month borrowed ).
Florida Homes
$128,000 Enjoy Beautiful views of the tropical grounds and the manicured golf course. This super-clean villa has been immaculately maintained, and is cozily furnished. Watch seabirds frolic and dolphins play from the heated bayside pool and spa! Upgrades include ceiling fans throughout, Newer A/C (Air handler 5/11, Condenser approx 2005), full-size Maytag washer/dryer, porcelaine tile and sculptured carpet floors, composite baseboard, a 36" Amana refrigerator, and a screened in balcony. Second floor covered parking #77 is close to unit and lobby. Isla del Sol is a tropical island community just minutes to the #1 rated beaches of Fort DeSoto park, and moments to the white sandy beaches of St.Pete Beach, close to I-275 and vibrant downtown St. Petersburg and approx 30 minutes from Tampa International airport with direct BA flights from Gatwick. An ideal tropical getaway for paradise holidays any time of the year.
$136,800 Located in Palm Island Townhomes on Tierra Verde this 3 story townhome features 2 bedrooms and 2.5 baths. Needs some cosmetic repairs, but is a great unit. At a price like this, it will not last long. 35 minutes drive to Tampa airport.
 $300,000 Pasadena Yacht & Country Club living in a secure gated community. Water views from foyer and bedrooms. 3 bed two story home with over 1500 sq ft bonus bedroom and living space on first floor (not included in heated sq ft). Nice deck overlooking fenced backyard with built in spa. 3-car garage. Central vacuum, intercom, security, water softener and much much more!! Short Sale, third party approval needed.
$70,000 Beautiful one bedroom corner unit located on the ground floor and right on a golf course! Unit is in very condition - Private back patio. Tile flooring throughout. Great Location next to the Padadena Yacht and Country Club. Minutes to Beaches, shopping and Historic Gulfport! Don't miss this opportunity! HOA Fee is paid quarterly, For last year the total fees were $3,967.78, which works out to approximately $330 a month which includes external painting, lawn maintenance, street upkeep, etc.
$324,900 Located in the gated community of Villas Del Verde, this impeccably maintained townhome has it all! The bright and spacious first floor boasts an open floor plan comprised of living area, formal and informal dining plus large open kitchen. French doors lead to the patio and pool. Additionally there is a gracious entry, garage entry and powder room. The second floor offers a large master suite with bath, walk in closet and balcony overlooking the pool. Two additional bedrooms plus hall bath and home office round out this level. Enjoy the pool and gym, right at your back door. Easy walk to to the wonderful Pasadena Yacht & Country Club.
$375,000 Live in Villa de Maria, a beautiful, gated, three bedroom, two bath, pool enhanced home overlooking a nature preserve and the 17th tee of the prestigious Pasadena Yacht and Country Club in Gulfport, FL. This fine home features hardwood floors throughout; formal dining and living room which look out over the homes screen enclosed spa and pool. Spacious kitchen with granite counters and bar. Informal dining area with huge bay window leading up to vaulted ceilings. Two bedrooms have built-in Murphy beds and office/study centers. Separate laundry room. Master bedroom with views of pool and beautiful sunsets. Master bath features dual showers and a Jacuzzi tub. Pavers enhance the drive, walkway and entrance to the home. The home is outside the gates of the Yacht and Country Club estates, so no monthly home owner's association fee is required.
$219,000 Price Reduced. Seller relocating. Will consider all offers. Quiet cul-de-sac location. 3 Bed 2 bath split floor plan with large enclosed and air conditioned porch for entertaining and added living area. Home features many recent updates including granite countertops ,ceramic and wood floors, master and hall baths, a/c, water heater, water softener, garage door, gutters, appliances, and exterior paint. Pride of ownership. Community amenities include golf and tennis. Close to restaurants and shopping.
$329,000 Don't pass up this gorgeous 4 bedroom 3 bath pool home that's a dream come true. Offering over 2,690 sq ft of living space + 3 car garage, 10' tray ceilings, crown molding, security system, granite counters, walk-in pantry, large patio and pool with screened cage. The location is near Lake Seminole, shopping, restaurants, schools, beaches and lots more. A truly magnificent property ideal for shared ownership with friends.
WH Breading & Son Florida