For renters in Poinciana, Kissimmee, Davenport, St. Cloud, Lake Nona and Windermere who want to own, whether that's next spring or two years from now.
You've searched it at midnight. Do I really need 20% down? Will a 620 score get me anywhere? What's a CDD, and why does every new build in Davenport seem to have one?
The answers online are national, out of date, or written by someone trying to sell you a loan. Florida is different: insurance, flood zones, homestead, and rent that no local rule caps.
So you keep renting, not because you can't buy, but because nobody gave you a straight answer.
Ten sections. One hundred questions.
Every answer, the same way: the short answer, what changes in Osceola, Polk or Orange, my honest take, and the sources. Section 10 is where I tell you when not to buy.
“I'd rather you buy in two years with a plan than buy next month with a prayer.”
Hi, I'm Bernard.
I'm a REALTOR® with LPT Realty and an Accredited Buyer's Representative (ABR®). I've spent about 10 years helping people in Central Florida go from renting to owning.
I work with first-time buyers on FHA, VA, Hometown Heroes and down payment assistance, and I've helped buyers through new construction from contract to keys. I'm patient, and I'll tell you 'not yet' when that's the right answer. Hablo español.
{{ r.quote }}
Here's exactly what happens next.
-
{{ s.n }}{{ s.title }}{{ s.body }}
It's on its way, {{ firstName }}.
Your guide should land at {{ emailShown }} in about a minute. Check spam if you don't see it.
A few days from now I'll send one message asking if you have a question. That's it. I won't call unless you ask me to.
— Bernard
Questions about the questions.
{{ q.a }}