4201 Branchside Ln

Watch the included video on this page to learn how to create $45,000 of affordability to buy this house with the same monthly payment as if you bought the house for $368,000 instead of $413,000, saving you $322 per month on your monthly payment! Priced to sell with a NEW ROOF (6/2023) and Upgraded NEW Floors, New Carpet and NEW PAINT! Experience upgraded living in this well kept and updated 4 BEDROOM/ 3 FULL BATH home located in the exclusive gated neighborhood of Whinsenton Place in Wesley Chapel’s Meadow Pointe Community! Perfect for a new start in Wesley Chapel, for your first home or growing family! You can enjoy neighborhood living in this beautiful home with your oversized TOTALLY FENCED back yard for entertaining or your future pool! This updated home is move-in ready, with a new roof (2023), new porcelain tile in main living areas and new carpet in bedrooms with Brand New Paint throughout the whole home! The master suite features an en suite with his and hers vanities, soaking tub with separate shower and HUGE walk in closet! Two bedrooms share a Jack and Jill bath and the 4th bedroom has an adjacent full bath. The community of Meadow Pointe offers residents a wide variety of amenities including community pools, playgrounds, tennis and basketball courts. Located in one of the best locations; highly desired schools, close to Wiregrass Mall, Tampa Premium Outlets, The Grove, and the new KRATE Micro Shops open-air shopping and entertainment zone, extremely close to I-75, I-275, hospitals, USF, and so much more! New restaurants surround this location- LIKE THE NEW COOPERS HAWK RESTAURANT AND WINERY! This area of Meadow Pointe offers LOW HOA FEES, only $102/year! Don't miss your chance to own this stunning home and experience the best that Meadow Pointe has to offer with this meticulously kept home, in a great location, with the new developments all around Wesley Chapel - enjoy your private gated community while still being near all the new attractions and entertainment. Schedule your showing today!

7092 Heron Walk Ln

House was originally listed at $609,000 - save $475 per month with the included strategy. See the video on this page for more information! $20,000 PRICE REDUCTION: SELLERS MOTIVATED- COME MAKE THIS HOUSE YOUR H O M E! Tthis upgraded 5 Bedroom, 3.5 Bathroom home with POND VIEW AND LARGE BACK YARD is ready to be yours! Price reduced and sellers are motivated! Bring your offers and get ready to call this Customized Craftsman Beauty YOURS! This home is newer construction (built in 2022) and located in the exquisite Watergrass Community. Built by Meritage Homes- this home is truly just BETTER! It is the San Marino Floor Plan BUT with an extra bedroom upstairs AND extra bath! Enjoy stress free living with everything being new and a Customized home! This home has ample space for work AND entertainment, with a H-U-G-E Media/Flex Space Upstairs (the 85 INCH TV WILL CONVEY WITH SALE OF HOME)- as well as so many custom touches! This home is on a LARGER lot with large backyard, overlooking the pond and a screened in paver back patio/side entry- and yes- there's more than enough space for a future pool and the parties to go with it! All of the craftsman design detail on the exterior- with thoughtful interior design, make this home everything you could ask for. Porcelain Tile throughout the downstairs, and quartz counter tops! Paired with high end stainless steel appliances: built in wall mounted oven/microwave combo, upgraded fridge- and cabinetry! Custom accent on stairs as well as custom privacy shutters for every window of the home! WALK IN CLOSETS, WALK IN PANTRY, AND WALK IN SHOWER IN MASTER!- PLUS a soaking tub for your ultimate relaxation! Tray ceilings paired with custom upgrades everywhere you look, while being meticulously maintained. The laundry room has additional cabinetry for storage and is located downstairs! There is no shortage of additional closet space on both floors! This home is a stunner, and shows like a MODEL!  This community is steps away countless amenities and convenient benefits for your lifestyle. Some examples being: playgrounds and parks and close to two amenity centers! AS well as being zoned for the best schools- Watergrass Elementary being one that is located right in the neighborhood! Promenade Park is located less than half a mile down the road with a pool, playground, outdoor pavilion, splash pad and dog park. If you go down Overpass Rd to The Watergrass Club with a Jr-Olympic lap pool, resort pool, and clubhouse where you can host parties, attend community events, enjoy the fitness center or play a game of tennis. As well as Fire House Station 38 are on site in case of emergency! Watergrass is situated close to The Grove, Krates establishment, Wiregrass Mall, Florida Medical Clinic, the Epperson Lagoon, Publix, Starbucks, CircleK and Chick-Fil-A (coming 2024). A daycare center is also close to completion. Be less than 10 minutes from I-75 with easy access to all major attraction points of Greater Tampa Bay. This property does come with the option to purchase the furniture, and the 85 in. TV upstairs in media/game room WILL CONVEY with the sale of the home! Inquire and schedule a showing today to make this beautiful home yours.

9313 Gulf Park Dr

See the Video on the Sidebar to View a Financing Strategy that Can Save $287/mo on This Property! Nestled in the heart of Cedar Bluff, this impeccable tri-level home is a true haven of comfort, convenience, and modern charm. Perfectly situated for easy access to I-40, reaching downtown or Farragut is a breeze. Enjoy proximity to ParkWest hospital, a range of shops, and diverse dining options, all within a short drive. From the moment you arrive, this home welcomes you with its inviting curb appeal. A long driveway provides lots of parking, while meticulously maintained landscaping beds showcase the potential for your green thumb. Recent enhancements include the removal of several dead trees, enhancing both safety and aesthetics. Step inside to discover a spacious family room adorned with new flooring, seamlessly flowing into the adjoining dining area. The dining space opens up to a vast kitchen, with all new appliances, and an abundance of space for multiple chefs. Upstairs, three bedrooms and 2 full baths await. The lower level boasts an additional bedroom, a convenient half bath, a well-appointed laundry room, and a generously sized family room featuring a gorgeous brick fireplace, adaptable for wood-burning or gas. Step outside to your fenced backyard oasis, complete with a welcoming deck, additional paved seating area, and ample room for cultivating your dream garden or hosting outdoor gatherings. Numerous updates and maintenance have been completed, too many to list here. Ask your agent to provide you with the list of updates/maintenace on the home.

1266 Civitas Way

*** SAVE OVER $800 PER MONTH WITH SPECIAL FINANCING OFFER ON THIS BRAND NEW CUSTOM HOME - WATCH THE VIDEO ON THIS PAGE FOR DETAILS! *** Under Construction - Custom home built by RCB Homes in sought after Oakland Park subdivision. Expected completion - Dec 2023. Why move into a resale, when you can move into a brand new custom home! Home faces a oversized beautiful green space to view while enjoying a morning coffee, or glass of wine in the evening on your extra large front porch. The home has an open floor plan, with custom upgraded detailing including: granite & quartz countertops, crown moldings, stainless steel kitchen appliances, washer/dryer, wood tile flooring, solid cabinets (in kitchen to ceiling), plus many more custom finishes. Home is located close to the West Orange Trail & community pool. Downtown Winter Garden is only a golf cart ride away. Don't miss out on one of the last available new homes in one of the most coveted communities in Winter Garden. *More photos to come*

What’s the Difference between a Mortgage Credit Score and a Consumer Credit Score?

Many folks are unaware that there are mutliple credit scoring models out there. This video takes a quick look at the difference between your mortgage credit score and your consumer credit score.

How Do Interest-Only Payments During Construction Work?

Many are confused on exactly how interest-only payments during construction really work. Here are the basics: At closing, there may be multiple disbursements: 1. Your builder may request an initial disbursement. This is usally 5 - 10% of the cost to build. 2. You may be purchasing your lot or land, or you may be paying off your land. 3. You may be using equity you have in your lot to pay your closing costs. Calculating the Monthly Interest Payments: 1. Monthly period ends on the 15th of the each month. 2. The balance at that time will dicatate the amount of the monthly interest payment due. 3. Statements are generated and delivered to the client by the 20th. 4. Interest Payments are due on the 1st of the month, and considered late if not received by the 16th. Draws may not be taken every single month a home is under construction; therefore, the interest payment could remain the same for more than a single month.Once your home is complete, if you are in a single-close construction to permanent loan, your loan will convert to a fully-amortizing payment, which includes principal and interest, and if you are escrowing, property taxes, homeowners insurance, and any applicable private mortgage or flood insurance payments.

Student Loan Savings Calculator

CLICK the Play button on the video above to access the calculator (CLICK the Question Mark button to the right of each question for a deeper explanation). 1. Enter your Annual Income (before Taxes) 2. Enter your FEDERAL (not private) Student Loans Balance 3. Enter you Monthly Minimum Credit Card Payment(s) 4. Enter your Monthly Car Payment(s) 5. Enter the Total Monthly Payments for any other Monthly Installment Loans 6. Enter the Average Student Loan Interest Rate on Your Student Loans (if you're not sure, use 6.5%) 7. Enter the size of your family. Any available savings will appear in the middle of the screen. Schedule a Call if you need more information!

Student Loans Resume on October 1st – What Are Your Options?

If you currently have outstanding student loans, the Financial Responsibility Act of 2023 will likely negatively impact you directly, and it may also directly impact your ability to buy your first home, upgrade to a bigger and better home, or access the equity in your existing home to find relief for your monthly budget. It's likely that you haven't made a payment on your student loans since 2020. With rising inflation, higher credit card and auto loan debt, the impact could be very damaging. If you're currently pre-approved to buy or refinance, this could invalidate your pre-approval. But it's not all doom and gloom - there are ways to mitigate the impact of this "unpausing" on your monthly payments. ****The calculator to the right (if you are on a desktop computer), or below this (if you're on your Smartphone), will help you determine if you can lower these monthly student loan payments before they even start in October. Before using the calculator, I recommend logging into your student loan servicer's website, so you know what your monthly payments will be on your loans when they resume October 1st. I have partnered with LoanSense to help you take advantage of the federal student loan options available to you. LoanSense is a consumer advocacy group that helps student loan borrowers take advantage of these programs to save on their monthly payments, or to get them on the right track to loan forgiveness options that may be available for their loans. Here are examples of student loan options: 1. Standard Repayment Plan - Payments are a fixed amount that ensures your loans are paid off within 10 years (or within 10-30 years for consolidation loans). This is not an income-driven plan. It is not a good option for those seeking Public Service Loan Forgiveness (PSLF). 2. Graduated Repayment Plan - The graduated repayment plan starts with lower payments that increase every two years. Payments are made for up to 10 years (between 10 and 30 years for consolidation loans). This is not an income-driven plan, which means you will not qualify for Public Service Loan Forgiveness or interest relief as you would on an income-driven repayment plan. 3. Extended Repayment Plan - Payments may be fixed or graduated and will ensure your loans are paid off within 25 years. If your extended plan is graduated, then payments will rise over time. You will pay back significantly more interest than on a 10-year plan. This is not an income-driven plan, which means you will not qualify for Public Service Loan Forgiveness or interest relief as you would an income-driven repayment plan. 4. Revised Pay as You Earn Repayment Plan (REPAYE) - This is an income-driven plan. Your monthly payments will be 10 percent of your discretionary income. Payments are recalculated annually based on your updated income and family size. Unlike PAYE, though, the monthly payment can exceed the 10-year standard plan payment. 5. Pay as You Earn Repayment Plan (PAYE) - This is an income-driven plan. Your monthly payments will be 10 percent of discretionary income, but never more than you would have paid under the 10-year Standard Repayment Plan. Payments are recalculated annually and are based on your updated income and family size. 6. Income-Based Repayment Plan (IBR) - This is an income-driven plan. Your monthly payments will be either 10 or 15 percent of discretionary income (depending on when you received your first loans), but never more than you would have paid under the 10-year Standard Repayment Plan. Payments are recalculated annually based on your updated income and family size. 7. Income-Contingent Repayment Plan (ICR) - This is an income-driven plan. Your monthly payment will be the lesser of 20 percent of discretionary income or the amount you would pay on a repayment plan with a fixed payment over 12 years, adjusted according to your income. Payments are recalculated annually based on your updated income and family size. 8. Income-Sensitive Repayment Plan - This is an income-driven plan. Your monthly payment is based on annual income, but your loan will be paid in full within 15 years. 9. Deferment - You are in deferment on your 6-month grace period. Interest accrues during this period. This means your balance will increase, and you’ll pay more over the life of your loan. Any period of deferment will not count toward loan forgiveness. We recommend you enter into an income-driven repayment plan to lower your payment. 10. Forbearance - You are in forbearance, and interest accrues during this period. This means your balance will increase, and you’ll pay more over the life of your loan. Any period of forbearance will not count toward loan forgiveness. We recommend you enter into an income-driven repayment plan to lower your payment.