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 Qualification – This 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

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.

9543 WATER ORCHID AVENUE

Clermont, FL 34711

$370,000

For Sale

Beds

Baths

2,224

Welcome to 9543 WATER ORCHID AVE located in the highly sought-after Marsh Hammock neighborhood of Clermont, Florida. This magnifi... (more)

# G5069532

Re/max Titanium Group

$370,000

For Sale

Residential
0 days on this site

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4776 BARBADOS LOOP

Clermont, FL 34711

$470,000

For Sale

Beds

Baths

2,613

A beautifully maintained 3 bed 2.5 bath home in the sought after Southern Fields community. Upon entering the home there is a Form... (more)

# G5069572

Morris Williams Realty

$470,000

For Sale

Residential
0 days on this site

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1003 OAKDALE STREET

Windermere, FL 34786

$2.65m

For Sale

Beds

Baths

4,061

If You Have Dreamed of Having a Home Where Family and Friends want to Hang Out and Spend Quality Time Building Lifetime Friendship... (more)

# O6116062

Vintage Realty Group LLC

$2,650,000

For Sale

Residential
0 days on this site

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201 MADINA CIR

Davenport, FL 33837

$325,000

For Sale

Beds

Baths

1,342

Welcome to 201 Madina Circle, a charming 4-bedroom, 2-bathroom single family house nestled in a serene gated community. This del... (more)

# O6115680

Real Broker, LLC

$325,000

For Sale

Residential
0 days on this site

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15620 PANTHER LAKE DRIVE

Winter Garden, FL 34787

$2.35m

For Sale

Beds

Baths

4,769

Then most luxurious house at the LAKESHORE States! With over $800k in upgrades. A Spectacular House that shows like a model home w... (more)

# S5086027

Miami Brazil Investments, LLC

$2,350,000

For Sale

Residential
0 days on this site

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2022 LAKE ROBERTS LANDING DRIVE

Winter Garden, FL 34787

$600,000

For Sale

Beds

Baths

2,515

One or more photo(s) has been virtually staged. FINALLY...A home available in highly sought after Lake Roberts Landing. Homes do n... (more)

# O6115694

Exp Realty LLC

$600,000

For Sale

Residential
0 days on this site

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14425 PLEACH STREET

Winter Garden, FL 34787

$415,000

For Sale

Beds

Baths

1,634

WELCOME TO INDEPENDENCE AT HORIZON WEST ! A Fantastic Townhome located in a beautiful community with an active lifestyle, scenic ... (more)

# O6115451

Charles Rutenberg Realty Orlando

$415,000

For Sale

Residential
0 days on this site

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14803 PEEKSKILL DRIVE

Winter Garden, FL 34787

$429,900

For Sale

Beds

Baths

1,839

Independence ** Terrific floor plan with a first floor master bedroom ** Separate formal dining room and first floor den with beau... (more)

# O6116030

Independence Realty Group LLC

$429,900

For Sale

Residential
0 days on this site

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11630 HOLMES DR

Clermont, FL 34711

$475,000

For Sale

Beds

Baths

1,935

** NO HOA. ACCESS TO LAKE MINNEHAHA** Welcome to this spacious three bedroom, two bath, two car side entry garage home located o... (more)

# G5069464

Real Living R E Solutions

$475,000

For Sale

Residential
1 days on this site

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106 E MAGNOLIA STREET

Davenport, FL 33837

$285,000

For Sale

Beds

Baths

960

INCOME PRODUCING PROPERTY-INVESTMENT OPPORTUNITY. TENANTS WOULD LIKE TO STAY. TENANTS ARE ON MONTH TO MONTH RENTAL AGREEMENT. CO... (more)

# G5069566

Engel & Volkers

$285,000

For Sale

Residential
1 days on this site

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3530 FAIRWATERS COURT, #C

Clermont, FL 34711

$324,500

For Sale

Beds

Baths

1,374

One or more photo(s) has been virtually staged. Welcome to Heritage Hills a 55 plus community in beautiful Clermont! This 2 bedroo... (more)

# O6115019

Bhhs Florida Realty

$324,500

For Sale

Residential
1 days on this site

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8954 CANDY PALM ROAD

Kissimmee, FL 34747

$434,950

For Sale

Beds

Baths

1,884

Welcome to your dream home in the gated Paradise Palms Resort! This beautiful 4-bedroom, 3-bathroom Townhome is conveniently situ... (more)

# S5086016

Team Donovan

$434,950

For Sale

Residential
1 days on this site

More Details

12180 OBELIA LANE

Orlando, FL 32827

$739,000

For Sale

Beds

Baths

2,514

Welcome to the resort-style community of Village Walk in Lake Nona, Orlando, FL! This exquisite waterfront home embodies contemp... (more)

# U8198338

Exp Realty LLC

$739,000

For Sale

Residential
1 days on this site

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1464 CUMBERLAND AVENUE

Davenport, FL 33837

$333,680

For Sale

Beds

Baths

1,461

Under Construction. Is it time for a well-deserved upgrade? Step into pure luxury with the Annapolis. This exceptional home is com... (more)

# T3450216

Lennar Realty

$333,680

For Sale

Residential
1 days on this site

More Details

6024 BROAD OAK DRIVE

Davenport, FL 33837

$1.35m

For Sale

Beds

Baths

4,973

INVESTORS! Incredible opportunity to own a TOP income producing last year over $110k ! Excellent ROI .This 11 bedrooms and 10 Bath... (more)

# A4572189

Fine Properties

$1,350,000

For Sale

Residential
1 days on this site

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308 LOCH COURT

Davenport, FL 33837

$331,680

For Sale

Beds

Baths

1,461

Under Construction. Is it time for a well-deserved upgrade? Step into pure luxury with the Annapolis. This exceptional home is com... (more)

# T3450210

Lennar Realty

$331,680

For Sale

Residential
1 days on this site

More Details

405 SUMMER SQUALL ROAD

Davenport, FL 33837

$398,900

For Sale

Beds

Baths

1,675

This beautifully 2020 built single story home is located in this well sought after community and it's amenities in Champions Reser... (more)

# S5085169

Mavrik Real Estate LLC

$398,900

For Sale

Residential
1 days on this site

More Details

17052 WATER SPRING BOULEVARD

Winter Garden, FL 34787

$627,515

For Sale

Beds

Baths

2,489

Under Construction. In the Waterleigh Community, The Clearden is a 4 bedroom/3.5 bath home with the master bedroom, 2 guest bedr... (more)

# O6115901

D R Horton Realty Of Central Florida LLC

$627,515

For Sale

Residential
1 days on this site

More Details

7552 EXCITEMENT DRIVE

Reunion, FL 34747

$699,000

For Sale

Beds

Baths

2,826

Welcome to 7552 Excitement Drive in Reunion where you will find everything that you need for a true resort lifestyle. Offering a... (more)

# O6114316

Fathom Realty Fl LLC

$699,000

For Sale

Residential
1 days on this site

More Details

8416 BLUE LAGOON DRIVE

Kissimmee, FL 34747

$360,000

For Sale

Beds

Baths

1,645

*TWO RENTAL UNITS IN ONE, FULLY FURNISHED, READY FOR BOOKINGS!* SHORT TERM RESERVATIONS ALLOWED!* Expand your Portfolio and Buy ... (more)

# O6115608

Ds Realty Group LLC

$360,000

For Sale

Residential
1 days on this site

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1249 WINTER GREEN WAY

Winter Garden, FL 34787

$195,000

For Sale

Beds

Baths

1,144

This 2 bedroom 1 1/2 bath townhome has a nice sized living/dining room area and a spacious kitchen. There is a laundry/storage cl... (more)

# O6115822

Watson Realty Corp

$195,000

For Sale

Residential
1 days on this site

More Details

10635 VILLAGE LAKE ROAD

Windermere, FL 34786

$495,000

For Sale

Beds

Baths

1,850

Excellent opportunity to own a luxury home! This elegant 3BR/2.5BA townhome is beautifully appointed and has an ideal location. Th... (more)

# S5085967

Altis Realty

$495,000

For Sale

Residential
1 days on this site

More Details

16584 POINT ROCK DRIVE

Winter Garden, FL 34787

$561,740

For Sale

Beds

Baths

2,216

Under Construction. The Bellake is a beautiful a 2 story, 3 bedroom 2.5 bath with den/flex space. The kitchen features stainless ... (more)

# O6115843

D R Horton Realty Of Central Florida LLC

$561,740

For Sale

Residential
1 days on this site

More Details

4362 SAMBOURNE STREET

Clermont, FL 34711

$469,000

For Sale

Beds

Baths

1,988

WELCOME TO THE DESIRABLE **24 HOUR GATED, GOLF COURSE COMMUNITY** OF KINGS RIDGE! THIS HOME IS BUILT BY COLONIAL BUILDERS PROVIDI... (more)

# O6115097

Bhhs Results Realty

$469,000

For Sale

Residential
1 days on this site

More Details

© 2023 My Florida Regional MLS DBA Stellar MLS. All rights reserved. All listings displayed pursuant to IDX. All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independently verified. Listing information is provided for consumers personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law.

Listing Data last updated: 4th June, 2023 11:00 MST

Ruslan Mamedov

2022-05-16

Rich is an exceptional realtor. He is not your typical pushy type of guy who is trying to sell you something ASAP. On the contrary, Rich is very honest and professional, and he does really care about his clients. He helped me to build a house in Winter Garden, and I'm not sure I'd be able to do it without him. He went well beyond the contract helping me to control the building process, updating and sending photos of the house every couple of weeks, advising on the inspections, things to pay particular attention to etc. Finally, before the closing he did a walk through with me for like two or three hours. We looked over the house and as a licensed home inspector he pointed out the defects which definitely needed attention. It's not something I have seen done in the business because realtors are not trained in construction, materials etc. Overall, building house especially when out of state is a tricky business. Even when you hire a good builder, they still use local contractors so you'd definitely want to keep that whole process under control. Hiring Rich is like having a friend and a professional on the “inside” that is working for you throughout the process. He is very thorough, honest and professional and great to work with. I would highly recommend Rich to anyone trying to buy a house in central Florida.

Lakeycia Jefferson

2022-04-08

I came across Rich's videos on YouTube while searching for a realtor in the Orlando, FL area and could immediately tell he knew the market and the process to home ownership. As a previous homeowner, I know how daunting the house buying process can be so it was important for me to have a top notch realtor to help me with a second home purchase while I lived in northern California. Rich's knowledge, expertise, professionalism and customer focus was exceptional! He kept me updated from afar, sent photos of the building process, provided recommendations for independent home inspections, helped me negotiate a lower interest rate, walked me through a post construction inspection and provided insightful tips throughout the 8 month home build. I can go on and on about the remarkable service Rich provided to me. He over delivered! I HIGHLY recommend Rich Noto you will not be disappointed!

Jose Puyosa

2022-03-07

Rich noto is the best realtor you'll find in the central Florida area. I saw his YouTube videos, and i was delighted the way he explained everything. Made an appointment. He showed me a lot of home community options that fit my budget. The best thing is that he is more than a realtor, also he is a licensed inspector and help me to see all the little details or concerns during the building and inspection points. I believe this realtor is available 24/7, every time i texted him, i got a reply back right away.

Rob Vaniglia

2022-03-06

We used Rich during our relocation from out of state to the Winter Garden, Florida area. He helped us navigate many different new home builders across many neighborhoods all while we were mostly remote. He helped us negotiate an amazing deal. His wealth of knowledge of the area and his referrals for contractors and vendors was exactly what we needed as we were not in the area for most of the construction process. The outcome could not have been better, and I would recommend him to anyone!

Dean

2019-08-27

I found Rich to be helpful and knowledge about his profession.. I would recommend his services to anyone..