Home Purchasing, Financing Mortgage & Taxes Information

Home Purchasing, Financing Mortgage & Taxes Information

 

 

When buying a home there is 2 common methods.  Cash and Financing (Mortgage).

Cash – The easiest method.  With cash you know exactly how much you can spend before closing costs.  Cash also makes for the fastest closing due to eliminating mortgage processing times.

It’s a common misconception that banks will lend any amount of money because of good credit.  This is not true.

 

Financing – Going the mortgage route is much more complex.  You have to find a lender that you want to work with.  Shop around for a good rate and a lender who responds in a reasonable amount of time.  A bad sign is when emails go unresponded to for days.  Different lenders and banks will have various rates.  Large banks have developed reputations for being late to close.  It’s good to shop around.


Video – Mortgage Pre Approval For Home Buyers. Mortgage Approval is the first step in Serious Home Buying

Pre QualificationThis is NOT recommended.  The pre qualification does not look at all aspects of qualifying for a loan.  Typically they ask a few basic questions on the phone and send a estimate.  Sadly this is wrong very often.

 

Pre Approved –  This is what you want AND need.  Both private home sellers and home builders will ask for it.  Some sellers will not show their home to anyone not approved.   It should always be done prior to looking at homes.  It will show you exactly how much the bank will lend, saving you a lot of time.  From there you can target a truly qualified price range and not worry about being turned down by the lender when in contract to buy.  With approval the lender will look at some things like credit score, multi year tax returns, bank statements, debt ratio, living expenses, car payments, credit card debit, liens, investments, and more.  Contact a mortgage professional of your choice for the latest information.


 

Taxes – A licenced Accountant should always be consulted for the latest tax laws.  If purchasing for a investment property the account can go through everything you need to know before you buy.




 

Down Payment Assistance Click Here 

Down Payment Assistance Rich Noto Realtor

 

 

 

 

Please Contact Rich Noto Realtor for Homes in Winter Garden and Orlando with any Questions or for representation.  Remember the new home builder and resale seller includes the Realtor fee in the price.  The builders sales team has the builders best interests in mind.  If you choose not to use a Free Realtor in Orlando the price is the same but without the guidance and protection I can offer.

 

 

 

Start of list of properties

New - today
36
8512 LA ISLA DRIVE
Kissimmee, FL 34747
$590,000
For Sale
5
Beds
4
Baths
2,746
square feet,
Don't miss the opportunity to own one of the most spaciously designed, sought after homes in all of the beautiful Emerald Island ... (more)
# O6144270
Amr Realty Services LLC
$590,000
For Sale
Residential
0 days on this site
New - today
49
237 VALENTINO COURT
Davenport, FL 33837
$349,900
For Sale
3
Beds
2
Baths
1,398
square feet,
Welcome to your dream home! Located in the tranquil Loma Linda Community, this exceptional 3-bedroom, 2-bathroom residence tucke... (more)
# S5091617
Freeman Realty Solutions LLC
$349,900
For Sale
Residential
0 days on this site
New - today
36
13319 VIA ROMA CIRCLE
Clermont, FL 34711
$530,000
For Sale
3
Beds
2
Baths
1,995
square feet,
Welcome to this stunning pool home that offers a fantastic opportunity for those seeking a comfortable and stylish living space. F... (more)
# G5073542
Re/max Titanium Group
$530,000
For Sale
Residential
0 days on this site
New - today
55
651 SKYRIDGE ROAD
Clermont, FL 34711
$484,888
For Sale
6
Beds
3
Baths
2,690
square feet,
This is the one you've been waiting for!!! Incredible 6 Bedroom 2.5 Bath in beautiful Skyridge Valley. Lots of room to live and pl... (more)
# O6142929
Property Outlet International
$484,888
For Sale
Residential
0 days on this site
New - today
1
1264 N WEST CROWN POINT ROAD
Winter Garden, FL 34787
$329,000
For Sale
0.50
Acres
A half acre land on the one main attraction it is in the historical Winter Garden District city limits, off West Orange Trail. Th... (more)
# O6144212
Engine Realty Inc
$329,000
For Sale
Land
0 days on this site
New - today
53
328 E MINNEHAHA AVENUE
Clermont, FL 34711
$350,000
For Sale
2
Beds
2
Baths
1,347
square feet,
This darling 1950s bungalow sits just off the shores of Lake Minnehaha in the beautiful hills of Clermont! The character of a craf... (more)
# O6144008
Lakefield Realty Group LLC
$350,000
For Sale
Residential
0 days on this site
New - today
37
522 CORTEZ DRIVE
Davenport, FL 33837
$345,900
For Sale
3
Beds
2
Baths
1,358
square feet,
Welcome to your dream retirement home in the beautiful Del Webb Orlando! This over 55 community offers luxurious living and a acti... (more)
# O6142425
Orlando Regional Realty
$345,900
For Sale
Residential
0 days on this site
New - today
76
15839 VETTA DRIVE
Montverde, FL 34756
$1.6m
For Sale
4
Beds
5
Baths
3,256
square feet,
Enjoy the breath taking views overlooking the Nick Faldo designed golf course in the highly sought after gated community of Bella ... (more)
# O6140821
Legacy Plus Realty Inc
$1,600,000
For Sale
Residential
0 days on this site
New - today
42
2282 KALEY RIDGE ROAD
Clermont, FL 34715
$659,500
For Sale
4
Beds
5
Baths
2,921
square feet,
WOW, No Rear Neighbors! Welcome Home to this Wonderful, MOVE-IN READY, 4 Bedroom, 4.5 Bath home with a 3 Car Garage. This One ... (more)
# O6142750
Re/max Properties Sw
$659,500
For Sale
Residential
0 days on this site
New - today
32
12941 GABOR AVENUE
Orlando, FL 32827
$559,900
For Sale
3
Beds
4
Baths
2,016
square feet,
Welcome to your dream home!!!!! Surrounded by lakes in the center of Laureate Park and Lake Nona. This 2000+ sq/ft townhome, mov... (more)
# O6142796
Coldwell Banker Realty
$559,900
For Sale
Residential
0 days on this site
New - today
22
10396 AUSTRINA OAK LOOP
Winter Garden, FL 34787
$520,000
For Sale
3
Beds
3
Baths
1,657
square feet,
MORE PHOTOS COMING SOON!RARE OPPORTUNITY TO OWN THIS BEAUTIFUL HOUSE IN THE DESIRABLE WATERMARK COMMUNITY!!A gorgeous open concept... (more)
# O6144162
Athens Realty Professionals Inc
$520,000
For Sale
Residential
0 days on this site
New - today
17
13300 ABUELA ALLEY
Windermere, FL 34786
$495,000
For Sale
3
Beds
3
Baths
1,756
square feet,
Amazing views of Disney Fireworks every night! This exclusive 3 Bedroom/2.5 Bath Mattamy Town Home is offering a two car garage wi... (more)
# O6144182
Sunshine Group Usa, Inc
$495,000
For Sale
Residential
0 days on this site
New - today
1
19211 ALLIUM PLACE
Orlando, FL 32827
$825,029
For Sale
4
Beds
4
Baths
3,210
square feet,
Under Construction. SAMPLE IMAGE* CHARLOTTE MODEL BY CREAFT HOMES Ready Spring 2024 Craft Homes brings over 30 years of building i... (more)
# G5073590
Olympus Executive Realty Inc
$825,029
For Sale
Residential
0 days on this site
Sep 24th, 1:00PM to 3:00PM
Open House Sep 24th
35
2035 ERVING CIRCLE, #105
Ocoee, FL 34761
$215,000
For Sale
1
Beds
1
Baths
866
square feet,
Enjoy a quiet gated community shaded by mature oak trees. This unit is just steps away from the pristine community pool and hot tu... (more)
# O6144144
Lpt Realty
$215,000
For Sale
Residential
0 days on this site
Sep 24th, 1:00PM to 5:00PM
Open House Sep 24th
20
8552 CRYSTAL COVE LOOP
Kissimmee, FL 34747
$309,000
For Sale
3
Beds
3
Baths
1,291
square feet,
**OPEN HOUSE 23rd & 24th SEPTEMBER from 1.00PM - 5.00PM** **Newly painted and ready to go!!** Beautiful 3-bedroom, with 2 and a... (more)
# S5092004
Flare Properties LLC
$309,000
For Sale
Residential
0 days on this site
Sep 24th, 1:00PM to 4:00PM
Open House Sep 24th
65
15253 SOUTHERN MARTIN STREET
Winter Garden, FL 34787
$815,000
For Sale
5
Beds
3
Baths
3,577
square feet,
Welcome to your dream home! Enjoy the Florida lifestyle. SEE VIRTUAL VIDEO TO TOUR PROPERTY (https://www.tourdrop.com/dtour/37648... (more)
# O6143978
Coldwell Banker Realty
$815,000
For Sale
Residential
0 days on this site
New - today
95
11450 NELLIE OAKS BEND
Clermont, FL 34711
$9m
For Sale
12
Beds
9
Baths
9,455
square feet,
AMAZING 54 ACRE private LAKEFRONT home on the Clermont chain of lakes with incredible, steady INCOME. This is a fully furnished, ... (more)
# G5073553
Premier Sothebys Int'l Realty
$9,000,000
For Sale
Residential
0 days on this site
New - today
7
756 S GRAND HIGHWAY
Clermont, FL 34711
$229,000
For Sale
2
Beds
2
Baths
902
square feet,
Beautiful, single story, townhome located in awesome community! Unit can be bought separately or in a group with 2 others in the... (more)
# O6143842
Premier Sothebys Int'l Realty
$229,000
For Sale
Residential
0 days on this site
New - today
7
754 S GRAND HIGHWAY
Clermont, FL 34711
$229,000
For Sale
2
Beds
2
Baths
902
square feet,
Beautiful, single story townhome located in awesome community! Unit can be bought separately or in a group with 2 others in the s... (more)
# O6143841
Premier Sothebys Int'l Realty
$229,000
For Sale
Residential
0 days on this site
New - today
8
752 S GRAND HIGHWAY
Clermont, FL 34711
$229,000
For Sale
2
Beds
2
Baths
902
square feet,
Beautiful, single story, townhome located in awesome community! Unit can be bought separately or in a group with 2 others in the... (more)
# O6142952
Premier Sothebys Int'l Realty
$229,000
For Sale
Residential
0 days on this site
New - today
24
120 WHIRLAWAY DRIVE
Davenport, FL 33837
$415,000
For Sale
3
Beds
2
Baths
2,022
square feet,
Welcome to your dream retreat in this secluded private community, Champions Reserve. This home is designed for your peace and pri... (more)
# T3474429
Synergy Group Of Florida LLC
$415,000
For Sale
Residential
0 days on this site
New - today
9
19059 BLUELEAF STREET
Orlando, FL 32827
$896,749
For Sale
4
Beds
3
Baths
2,712
square feet,
Under Construction. Sample Images Tidewater Model Ready Early 2024 Located in the highly innovative and trendy area of Lake Nona, ... (more)
# G5073587
Olympus Executive Realty Inc
$896,749
For Sale
Residential
0 days on this site
Sep 24th, 1:00AM to 4:00PM
Open House Sep 24th
57
1077 LASCALA DRIVE
Windermere, FL 34786
$629,900
For Sale
3
Beds
2
Baths
2,514
square feet,
Welcome to this inviting 3 bed, 2 bath home in the highly sought after gated community of Belmere Village. Spanning over 2500+ sq... (more)
# O6144139
Compass Florida LLC
$629,900
For Sale
Residential
0 days on this site
New - today
15
1334 GREENFIELD LOOP
Kissimmee, FL 34747
$439,900
For Sale
3
Beds
2
Baths
1,553
square feet,
Under Construction. Growing families will appreciate the space and style provided in this one-story, three-bedroom, two-bath hom... (more)
# T3474615
Lgi Realty- Florida, LLC
$439,900
For Sale
Residential
0 days on this site
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