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

Jun 4th, 1:00PM to 4:00PM
Open House Jun 4th
41
9543 WATER ORCHID AVENUE
Clermont, FL 34711
$370,000
For Sale
4
Beds
3
Baths
2,224
square feet,
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
New - today
43
4776 BARBADOS LOOP
Clermont, FL 34711
$470,000
For Sale
3
Beds
3
Baths
2,613
square feet,
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
New - today
46
1003 OAKDALE STREET
Windermere, FL 34786
$2.65m
For Sale
5
Beds
5
Baths
4,061
square feet,
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
New - today
34
201 MADINA CIR
Davenport, FL 33837
$325,000
For Sale
4
Beds
2
Baths
1,342
square feet,
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
New - today
41
15620 PANTHER LAKE DRIVE
Winter Garden, FL 34787
$2.35m
For Sale
5
Beds
5
Baths
4,769
square feet,
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
New - today
47
2022 LAKE ROBERTS LANDING DRIVE
Winter Garden, FL 34787
$600,000
For Sale
4
Beds
3
Baths
2,515
square feet,
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
Jun 4th, 12:00PM to 4:00PM
Open House Jun 4th
9
14425 PLEACH STREET
Winter Garden, FL 34787
$415,000
For Sale
4
Beds
3
Baths
1,634
square feet,
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
New - today
51
14803 PEEKSKILL DRIVE
Winter Garden, FL 34787
$429,900
For Sale
3
Beds
3
Baths
1,839
square feet,
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
Jun 4th, 12:00PM to 3:00PM
Open House Jun 4th
52
11630 HOLMES DR
Clermont, FL 34711
$475,000
For Sale
3
Beds
2
Baths
1,935
square feet,
** 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
New - Yesterday
10
106 E MAGNOLIA STREET
Davenport, FL 33837
$285,000
For Sale
3
Beds
2
Baths
960
square feet,
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
New - Yesterday
30
3530 FAIRWATERS COURT, #C
Clermont, FL 34711
$324,500
For Sale
2
Beds
2
Baths
1,374
square feet,
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
New - Yesterday
50
8954 CANDY PALM ROAD
Kissimmee, FL 34747
$434,950
For Sale
4
Beds
3
Baths
1,884
square feet,
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
New - Yesterday
55
12180 OBELIA LANE
Orlando, FL 32827
$739,000
For Sale
4
Beds
4
Baths
2,514
square feet,
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
New - Yesterday
11
1464 CUMBERLAND AVENUE
Davenport, FL 33837
$333,680
For Sale
3
Beds
2
Baths
1,461
square feet,
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
New - Yesterday
21
6024 BROAD OAK DRIVE
Davenport, FL 33837
$1.35m
For Sale
11
Beds
10
Baths
4,973
square feet,
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
New - Yesterday
11
308 LOCH COURT
Davenport, FL 33837
$331,680
For Sale
3
Beds
2
Baths
1,461
square feet,
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
New - Yesterday
30
405 SUMMER SQUALL ROAD
Davenport, FL 33837
$398,900
For Sale
3
Beds
2
Baths
1,675
square feet,
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
New - Yesterday
38
17052 WATER SPRING BOULEVARD
Winter Garden, FL 34787
$627,515
For Sale
4
Beds
4
Baths
2,489
square feet,
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
New - Yesterday
56
7552 EXCITEMENT DRIVE
Reunion, FL 34747
$699,000
For Sale
4
Beds
3
Baths
2,826
square feet,
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
New - Yesterday
39
8416 BLUE LAGOON DRIVE
Kissimmee, FL 34747
$360,000
For Sale
4
Beds
4
Baths
1,645
square feet,
*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
New - Yesterday
22
1249 WINTER GREEN WAY
Winter Garden, FL 34787
$195,000
For Sale
2
Beds
2
Baths
1,144
square feet,
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
New - Yesterday
24
10635 VILLAGE LAKE ROAD
Windermere, FL 34786
$495,000
For Sale
3
Beds
3
Baths
1,850
square feet,
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
New - Yesterday
35
16584 POINT ROCK DRIVE
Winter Garden, FL 34787
$561,740
For Sale
3
Beds
3
Baths
2,216
square feet,
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
New - Yesterday
50
4362 SAMBOURNE STREET
Clermont, FL 34711
$469,000
For Sale
3
Beds
2
Baths
1,988
square feet,
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
© 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
Equal Housing Opportunity
Service by Buying Buddy® IDX CRM
Copyright © 2003 - 2023 Buying Buddy. All rights reserved.
%d bloggers like this: