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.

8512 LA ISLA DRIVE

Kissimmee, FL 34747

$590,000

For Sale

Beds

Baths

2,746

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

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237 VALENTINO COURT

Davenport, FL 33837

$349,900

For Sale

Beds

Baths

1,398

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

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13319 VIA ROMA CIRCLE

Clermont, FL 34711

$530,000

For Sale

Beds

Baths

1,995

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

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651 SKYRIDGE ROAD

Clermont, FL 34711

$484,888

For Sale

Beds

Baths

2,690

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

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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

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328 E MINNEHAHA AVENUE

Clermont, FL 34711

$350,000

For Sale

Beds

Baths

1,347

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

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522 CORTEZ DRIVE

Davenport, FL 33837

$345,900

For Sale

Beds

Baths

1,358

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

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15839 VETTA DRIVE

Montverde, FL 34756

$1.6m

For Sale

Beds

Baths

3,256

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

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2282 KALEY RIDGE ROAD

Clermont, FL 34715

$659,500

For Sale

Beds

Baths

2,921

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

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12941 GABOR AVENUE

Orlando, FL 32827

$559,900

For Sale

Beds

Baths

2,016

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

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10396 AUSTRINA OAK LOOP

Winter Garden, FL 34787

$520,000

For Sale

Beds

Baths

1,657

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

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13300 ABUELA ALLEY

Windermere, FL 34786

$495,000

For Sale

Beds

Baths

1,756

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

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19211 ALLIUM PLACE

Orlando, FL 32827

$825,029

For Sale

Beds

Baths

3,210

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

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2035 ERVING CIRCLE, #105

Ocoee, FL 34761

$215,000

For Sale

Beds

Baths

866

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

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8552 CRYSTAL COVE LOOP

Kissimmee, FL 34747

$309,000

For Sale

Beds

Baths

1,291

**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

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15253 SOUTHERN MARTIN STREET

Winter Garden, FL 34787

$815,000

For Sale

Beds

Baths

3,577

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

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11450 NELLIE OAKS BEND

Clermont, FL 34711

$9m

For Sale

Beds

Baths

9,455

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

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756 S GRAND HIGHWAY

Clermont, FL 34711

$229,000

For Sale

Beds

Baths

902

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

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754 S GRAND HIGHWAY

Clermont, FL 34711

$229,000

For Sale

Beds

Baths

902

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

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752 S GRAND HIGHWAY

Clermont, FL 34711

$229,000

For Sale

Beds

Baths

902

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

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120 WHIRLAWAY DRIVE

Davenport, FL 33837

$415,000

For Sale

Beds

Baths

2,022

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

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19059 BLUELEAF STREET

Orlando, FL 32827

$896,749

For Sale

Beds

Baths

2,712

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

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1077 LASCALA DRIVE

Windermere, FL 34786

$629,900

For Sale

Beds

Baths

2,514

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

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1334 GREENFIELD LOOP

Kissimmee, FL 34747

$439,900

For Sale

Beds

Baths

1,553

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

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: 23rd September, 2023 15:00 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!