Epique Realty | Santos Home Team
Unlocking Your Dream Home in Florida with Expertise and Trust
REVIEWS
Rafael Santos is an amazing knowledgeable Loan officer who cares and goes above and beyond to meet your real estate needs I have worked with him on many transactions and he does what's best for the client guiding them in the right direction helping them with their credit and getting them ready to become home owners !! I recommend him for your loan process !
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10,000+ Properties Available
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- Newest Listings
- Beds (Most)
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- 1/43 43Active
$645,000
4 Beds2 Baths2,418 SqFt2070 LA VALLEY LN, Deland, FL 32720
Single Family Home
Listed by EPIQUE REALTY INC
- 1/22 22Price Dropped by $10K
$310,000
3 Beds2 Baths1,152 SqFt905 S SCOTT AVE, Sanford, FL 32771
Single Family Home
Listed by EPIQUE REALTY INC
- 1/33 33Price Dropped by $10K
$210,000
2 Beds2 Baths1,162 SqFt2038 ROYAL BAY BLVD #28, Kissimmee, FL 34746
Condo
Listed by EPIQUE REALTY INC
- 1/35 35Open Sat 12PM-3PM
$625,000
3 Beds3 Baths2,156 SqFt1075 EISENHOWER DR, Nokomis, FL 34275
Single Family Home
Listed by EPIQUE REALTY INC
- 1/35 35Open Sat 1PM-4PM
$415,000
4 Beds3 Baths2,426 SqFt178 ARIA WAY, Davenport, FL 33837
Single Family Home
Listed by EPIQUE REALTY INC
- 1/29 29New
$295,000
3 Beds2 Baths1,274 SqFt2408 BONANZA LN, North Port, FL 34286
Single Family Home
Listed by EPIQUE REALTY INC
- 3DNew
$250,000
3 Beds2 Baths1,755 SqFt5817 BAR RANCH RD, Saint Cloud, FL 34771
Single Family Home
Listed by EPIQUE REALTY INC
- 1/22 22Active
$180,000
1 Bath384 SqFt2043 S ATLANTIC AVE #303, Daytona Beach, FL 32118
Condo
Listed by EPIQUE REALTY INC
- 1/61 61Active
$439,900
2 Beds2 Baths1,438 SqFt4670 LINKS VILLAGE DR #B405, Ponce Inlet, FL 32127
Condo
Listed by EPIQUE REALTY INC
- 1/24 24Pending
$1,400
2 Beds1 Bath1,028 SqFt2331 LAKE HELEN OSTEEN RD, Deltona, FL 32738
Single Family Home
Listed by EPIQUE REALTY INC
- 1/35 35Active
$2,499
5 Beds3 Baths2,696 SqFt1068 BROOKLET DR, Davenport, FL 33837
Single Family Home
Listed by EPIQUE REALTY INC
- 1/18 18Active
$2,700
4 Beds3 Baths1,864 SqFt1962 MARASCO LN, North Port, FL 34286
Single Family Home
Listed by EPIQUE REALTY INC
- 1/25 25Active
$656,000
3 Beds4 Baths2,849 SqFt2416 SE 8TH AVE, Cape Coral, FL 33990
Single Family Home
Listed by EPIQUE REALTY INC
- 1/35 35Pending
$225,000
3 Beds2 Baths1,056 SqFt2715 RED RIVER TRL, Polk City, FL 33868
Single Family Home
Listed by EPIQUE REALTY INC
- 1/52 52Active
$418,000
5 Beds3 Baths2,216 SqFt728 TROTTERS DR, Eagle Lake, FL 33839
Single Family Home
Listed by EPIQUE REALTY INC
- 1/24 24Pending
$250,000
2 Beds2 Baths984 SqFt4528 OAK ARBOR CIR, Orlando, FL 32808
Townhouse
Listed by EPIQUE REALTY INC
- 1/21 21Active
$244,900
2 Beds2 Baths1,277 SqFt9285 SE 128TH ST, Summerfield, FL 34491
Single Family Home
Listed by EPIQUE REALTY INC
- 1/30 30Pending
$225,000
4 Beds2 Baths1,963 SqFt2444 ANDRE CT, Ocoee, FL 34761
Single Family Home
Listed by EPIQUE REALTY INC
- 1/32 32Active
$300,000
3 Beds2 Baths1,984 SqFt518 MARION OAKS TRL, Ocala, FL 34473
Single Family Home
Listed by EPIQUE REALTY INC
- 1/53 53Active
$515,000
3 Beds2 Baths1,512 SqFt800 61ST ST N, Saint Petersburg, FL 33710
Single Family Home
Listed by EPIQUE REALTY INC
- 1/16 16Price Dropped by $14K
$399,999
3 Beds3 Baths1,638 SqFt1254 SEMINOLA BLVD, Casselberry, FL 32707
Single Family Home
Listed by EPIQUE REALTY INC
- 1/25 25Price Dropped by $2K
$278,000
3 Beds2 Baths1,085 SqFt2400 QUEENSWAY RD, Orlando, FL 32808
Single Family Home
Listed by EPIQUE REALTY INC
- 1/45 45Active
$390,000
3 Beds3 Baths2,847 SqFt724 TAHITI DR, Kissimmee, FL 34758
Single Family Home
Listed by EPIQUE REALTY INC
- 1/31 31Pending
$220,000
4 Beds2 Baths1,440 SqFt7738 GLEN MEADOW DR, Lakeland, FL 33810
Manufactured Home
Listed by EPIQUE REALTY INC
Florida Real Estate Blog
First-Time Home Buyers in Florida: Understanding Your Mortgage Options
Buying a home is one of the most significant decisions you'll make in your life. However, the process can feel overwhelming and confusing, especially for first-time buyers. I’ve helped many first-time homebuyers navigate mortgage loan options, so they can secure their dream homes with competitive rates and terms. Our website is packed with resources to help you get started on your homebuying journey, including information on Florida down payment assistance programs, conventional loans with as little as 3% down, FHA loans with 3.5% down, and even VA loans that offer 100% financing for eligible veterans. Start Early and Explore Your Options It’s essential to start shopping for your mortgage early to familiarize yourself with the programs available for first-time homebuyers. Doing so will help you determine which loan best fits your needs, whether it’s a low down payment option or a government-backed loan with flexible terms. Let’s take a look at some popular mortgage programs for first-time buyers: 1. Fannie Mae 97% LTV Conventional Mortgage Loan This option is perfect for first-time homebuyers who may not have a large down payment saved but still want to benefit from the flexibility of a conventional loan. Key Features: Credit scores as low as 620 Down payments as low as 3% Mortgage insurance can be canceled once you reach 20% equity At least one borrower must be a first-time homebuyer (if the down payment is under 5%) 15- and 30-year fixed terms available Eligible for 1-4 unit properties, PUDs, condos, and manufactured homes 100% gift funds allowed for down payments No income limits 2. Fannie Mae HomeReady Loan Program Designed for low- to moderate-income borrowers, the HomeReady mortgage offers flexible funding and lower mortgage insurance costs, making it an excellent choice for those facing financial challenges. Borrower Benefits: Lower monthly payments due to reduced interest rates and mortgage insurance Down payment as low as 3% with flexible funding sources Cancellable mortgage insurance No reserves required Income limits set at 80% of the area median income (check eligibility using the AMI lookup tool) 3. Freddie Mac HomeOne Conventional Loan Program The Freddie Mac HomeOne mortgage offers a low down payment option with no income or geographic restrictions, making it accessible to more first-time buyers. Key Features: Credit scores as low as 620 Down payments as low as 3% Mortgage insurance cancellable after 20% equity Available for 1-4 unit properties, PUDs, condos, and manufactured homes No income limits 100% gift funds allowed 4. VA Loans If you’re an active-duty service member, veteran, or eligible spouse, the VA loan program is a fantastic option. VA loans provide up to 100% financing with no mortgage insurance, making homeownership more accessible for those who have served. Program Highlights: Up to 100% financing No mortgage insurance required Credit scores as low as 540 Available for both first-time buyers and repeat buyers Fixed-rate purchase and refinance options available 5. FHA Loans Backed by the Federal Housing Administration, FHA loans are designed for low- to moderate-income borrowers. They offer flexible credit requirements, allowing for higher debt-to-income ratios and lower credit scores compared to conventional loans. Key Features: 3.5% down payment Credit scores as low as 540 (with 10% down for scores below 580) Available for 1-4 unit properties, PUDs, and FHA-approved condos 6. Florida Down Payment Assistance Programs Many first-time buyers in Florida can benefit from down payment assistance programs that help cover the initial costs of buying a home. The Florida Housing Finance Corporation offers programs like: Florida Assist Mortgage Program (FL Assist): Up to $10,000 for FHA, VA, and USDA loans with a 0% interest rate. Payments are deferred until the home is sold, refinanced, or transferred. HFA Advantage Plus & HFA Preferred Plus Forgivable Second Mortgages: Provide 3%, 4%, or 5% of the loan amount for down payment and closing costs, forgivable after five years if certain conditions are met. Ready to Get Started? The journey to homeownership doesn’t have to be intimidating. Whether you’re exploring conventional, FHA, or VA loans, I’m here to guide you through the process and help you find the right mortgage option for your needs. Ready to take the next step? Visit my online application to start your pre-approval process today! rafaelsantos.sunwestmortgage.com If you have any questions about your specific situation, schedule a consultation. Let’s discuss the best loan option for you!
Read moreNavigating the Central Florida Real Estate Market: Key Trends and Insights
The Central Florida real estate market has long been one of the nation's most dynamic areas, attracting buyers, sellers, and investors with its unique combination of affordability, growth potential, and quality of life. In 2024, several emerging trends have impacted the market in ways that make it crucial for prospective homeowners, investors, and real estate professionals to stay informed. Let’s dive into the key factors shaping the current real estate landscape in Central Florida, including buyer demand, inventory levels, and evolving investment opportunities. 1. Current Market Conditions and Trends Central Florida remains a hot market, with cities like Orlando, Kissimmee, and Winter Park continuing to see substantial interest from both local and out-of-state buyers. However, rising mortgage rates have tempered the red-hot pace of sales from previous years. As of this year, the Federal Reserve's policy on interest rates has led to increases in mortgage rates, which has resulted in more cautious buyer behavior. Buyers are more selective, often prioritizing affordability and value over location and amenities. - Demand for Affordable Housing: Affordability is still a major driver, with buyers increasingly gravitating towards areas offering lower prices and cost-effective amenities. - Increased Inventory: The region has experienced a slight increase in housing inventory, providing more choices for buyers but also signaling a slight cooling of demand. - Rising Construction Costs: For those interested in new construction, building costs are still high, which may affect the price of newly built homes and delay project timelines. 2. The Rental Market in Central Florida The rental market in Central Florida remains robust, driven by demand from both locals and transplants who may be delaying home purchases due to higher interest rates. Many homeowners are choosing to rent out their properties instead of selling to take advantage of high rental yields. Investors looking at rental properties will find Central Florida appealing, especially in markets near major attractions and job hubs. - High Rental Yields: With the population growth driven by job opportunities in tourism, healthcare, and tech industries, rental properties in Central Florida are yielding strong returns. - Long-Term Investment Appeal: The rental market is particularly attractive for long-term investors who are able to capitalize on steady demand and rising rental prices. 3. Shifting Buyer Demographics Central Florida has seen a notable shift in buyer demographics. Young families and remote workers are flocking to the region for its sunny weather, family-friendly amenities, and favorable tax environment. Retirees continue to favor Central Florida for its accessibility and active lifestyle options, especially in areas like The Villages and other active adult communities. The demand from various demographic groups has shaped the market, pushing prices up in traditionally affordable neighborhoods. - Remote Workers: Central Florida’s quality of life and relatively affordable cost of living compared to other metro areas make it attractive to remote workers. - Young Families: Proximity to top-rated schools and family-friendly neighborhoods have increased interest in suburban areas. - International Buyers: Central Florida’s tourism appeal also brings in international buyers, particularly those from Latin America, Europe, and Canada, interested in vacation homes and investment properties. 4. Investment Opportunities in Central Florida Central Florida offers an array of investment opportunities, from short-term rentals in tourist-heavy areas like Kissimmee to long-term rental options in urban areas of Orlando. For investors seeking long-term appreciation, suburbs like Lake Nona, Clermont, and Winter Garden are growing rapidly, with new development projects and infrastructure improvements on the horizon. - Short-Term Rentals: The demand for vacation homes near Orlando’s theme parks remains strong, making short-term rentals highly profitable. - Long-Term Growth Areas: Suburbs experiencing rapid population growth offer excellent opportunities for investors looking for stable, long-term appreciation. - Commercial Real Estate: With companies expanding in Central Florida, commercial real estate around business districts also presents a lucrative investment option. 5. Tips for Buyers and Sellers in Today’s Market For buyers and sellers, 2024 presents unique challenges and opportunities in Central Florida’s real estate market. Sellers can benefit from listing in high-demand neighborhoods, while buyers should consider locations just outside the most popular areas to find deals. - Buyers: Focus on financing early, as mortgage rates remain unpredictable. Also, consider areas outside traditional tourist hubs, where prices may be lower but still offer strong growth potential. - Sellers: Leverage any unique features of your property, as buyers are increasingly cautious with their selections. The market for move-in-ready homes is still competitive, and sellers can capitalize by ensuring their properties are well-maintained and updated. - Investors: Evaluate rental yields carefully and consider working with a property management team if opting for short-term rentals, as compliance with local regulations is essential. 6. Future Predictions for Central Florida Real Estate Looking ahead, Central Florida’s real estate market is expected to remain stable, with a few key trends likely to persist: - Continued Population Growth: With steady job growth and an influx of new residents, Central Florida’s population will keep expanding, driving ongoing demand in the housing market. - Moderating Prices: As inventory rises and mortgage rates stabilize, the market may see a plateau or slight decline in prices, particularly in higher-priced neighborhoods. - Sustainability Trends: Buyers are more eco-conscious and value energy-efficient features, especially in newly constructed homes. This trend is expected to influence both new builds and resale properties. Conclusion The Central Florida real estate market in 2024 offers diverse opportunities and challenges for buyers, sellers, and investors. With a steady demand in the rental sector, rising interest in affordable housing, and an evolving buyer demographic, the region promises resilience even amid national market fluctuations. Staying informed on market conditions, understanding local demand, and timing your buying or selling decisions strategically will be essential to making the most of the current market dynamics. Whether you're a prospective homeowner, seasoned investor, or real estate professional, Central Florida remains a market to watch and invest in for long-term value.
Read moreExquisite 4-Bedroom Home with Pool, Acreage, and RV Access in Deland, FL | Santos Home Team
Property Page: https://santoshometeamflorida.com/listing-detail/1152628587/2070_LA_VALLEY_LN-Deland-FL
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