The Hometown Hero Program has helped more than 3,500 buy homes with over $50 million provided in down payment and closing cost assistance. This Florida program has $100 million allocated so it is at the half way mark. If you are an Officer, Teacher, Nurse, Veteran, or another Hometown Hero, then consider this program made available to you.
For more details, Click Hometown Heroes.
As of 1/26/2023:
30 year mortgages averaged 6.13%
15 year mortgages averaged 5.17%
For more information, view this article Mortgage Interest Rate.
If you are thinking about a major purchase in 2023, such as a new home, make sure your credit score is in line if you want bank financing. If you need to build your credit up, here are some tips from the experts.
Click here to see top 5 credit tips.
As of 1/19/2023:
30 year mortgages averaged 6.15%
15 year mortgages averaged 5.28%
For more information, view this article Mortgage Interest Rates.
Pre-Approve NOT Pre-Qualify!
What is the difference between being pre-approved and pre-qualified? Quite a bit actually!
Pre-qualified means the lender checked your credit scores and asked how much income you make each year.
Pre-approved means the lender looked at your credit scores, pay stubs, funds available, bank statements, income tax returns, w2 or 1099, investments, debt/income ratio, and verified employment!
In short, being pre-approved ensures your approval for financing is strong and less likely to fall through before closing.
Not sure which lender to choose for the pre-approval process? Ask your Realtor! He/She will be happy to give you a recommendation.
Did today's tips spar...
This Custom Home in Winter Haven Florida was built in 2017. This means the roof, air conditioner, and appliances are only 5 years old! This home is ready for showings and is currently for sale. Call for your private showing today.
Happy New Year! Welcome to Edgewater Manor in Winter Haven, Florida. This Community is located just off Cypress Gardens Blvd across the street from Lake Roy. It is a Lakefront Community close to restaurants, shopping, LEGOLAND, and Highway 27. The home was Custom built in 2017 and is only 5 years old on major items such as Roof, Air Conditioner, and Appliances. The home includes 2763...
As of 1/12/2023:
30 year mortgages averaged 6.33%
15 year mortgages averaged 5.52%
For more information, view this article Mortgage Interest Rates.
Seller Tip: Conduct a Self-Home Inspection
Walk-through your house as if you are a potential buyer for the home! What did you like? What do you not like? What could be better?
Curb appeal is very important! Is the yard manicured? What's the first impression of the home?
Does everything work properly, or do you need to catch up on any deferred or minor repairs? Make a list of things as you go for easy follow up later.
Did today's tips spark a question? Think I might be the right Realtor for you? Give me a call so we can talk through your thoughts and concerns.
David Shippey - Xcellence Realty
863-521-4517
Unforgettable Service | Undeniable Results
Edgewater Manor is a Lakefront Community on Lake Roy in Winter Haven, FL. Take a look at the features in this Custom Home. Call me for a complete list of homes available in Edgewater Manor and other communities in Winter Haven.
Happy New Year! Welcome to Edgewater Manor in Winter Haven, Florida. This Community is located just off Cypress Gardens Blvd across the street from Lake Roy. It is a Lakefront Community close to restaurants, shopping, LEGOLAND, and Highway 27. The home was Custom built in 2017 and is only 5 years old on major items such as Roof, Air Conditioner, and Appliances. The home includes 2763 feet...
As of 1/5/2023:
30 year mortgages averaged 6.48%
15 year mortgages averaged 5.73%
For more information, view this article Mortgage Interest Rates.
As of 12/29/2022:
30 year mortgages averaged 6.42%
15 year mortgages averaged 5.68%
For more information, view this article Mortgage Interest Rates.
This Custom Home is now available in Winter Haven, Florida. Be sure to take a look at the pictures, virtual tour, and all of the features available. Call for questions or schedule your showing today!
Happy New Year! Welcome to Edgewater Manor in Winter Haven, Florida. This Community is located just off Cypress Gardens Blvd across the street from Lake Roy. It is a Lakefront Community close to restaurants, shopping, LEGOLAND, and Highway 27. The home was Custom built in 2017 and is only 5 years old on major items such as Roof, Air Conditioner, and Appliances. The home includes 2763 feet Living Area with 4 Bedrooms...
Home Buyer's Tip: Find your Realtor!
If you are considering a home purchase, the very first thing you should do as a buyer is find the right Realtor for YOU. How do you do that? Ask family and friends about the Realtor they used. What did they like? What did they not like? How many years of experience does he/she have in real estate? How does his/her type of service match up to your lifestyle? Also, make sure to look at the Realtor's reviews from previous buyers. Look for common themes and get a feel for his/her work ethic. Every Realtor is a bit different from the next. Ultimately, find someone you can trust!
Did today's tip spark a question? Think I might be the right Realtor for you?...
As of 12/16/2022:
30 year mortgages averaged 6.31%
15 year mortgages averaged 5.54%
For more information, view this article Mortgage Interest Rates.
As of 12/8/2022:
30 year mortgages averaged 6.33%
15 year mortgages averaged 5.67%
For more information, view this article Mortgage Interest Rates.
The Federal Housing Administration announced the loan limits for 2023 at $472,030. This is the maximum loan amount allowed for this loan program in the Polk county area.
To read the full article, Click Here.
The Federal Housing Finance Agency announced that conventional loan limits will be increased in 2023 from $647,200 to $726,200.
To read this full article, Click Here.
As of 12/1/2022:
30 year mortgages averaged 6.49%
15 year mortgages averaged 5.76%
For more information, view this article Mortgage Interest Rates.
As of 11/28/2022:
30 year mortgages averaged 6.58%
15 year mortgages averaged 5.90%
For more information, view this article Mortgage Interest Rates.
As of 11/17/2022:
30 year mortgages averaged 6.61%
15 year mortgages averaged 5.98%
For more information, view this article Mortgage Interest Rates.
