2326 Del Prado Blvd S. Cape Coral, FL 33990

Cell 239-823-3631    Toll Free 866-212-6277    Fax 239-997-2694

Member of National and Florida Association of Realtors and Realtors Association of Greater Fort Myers and The Beach
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Whats New

See my composite flyer that includes all the homes I currently have listed for sale.

Herons Glen Website

Herons Glen

Herons Glen is a gated championship golf and country club community with 1,300-homes in North Fort Myers on the northern edge of Lee County Florida where residents own the recreational facilities.

Magnolia Landing Web Site

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The stunningly beautiful greens and fairways of The Golf Club at Magnolia Landing offer one of the most exciting golf experiences of any private country club.


Financial preparation is the first ,  and perhaps the most important, step in the home buying process. Get ready for your purchase by taking a careful look at your finances, especially your savings, credit, income, and debt.

Down-Payment Options

Buying a home doesn't necessarily mean having to make a large down payment. Many lenders offers a variety of options that can help you buy a house using little or no cash. In Herons Glen, you generally need about $2,000 at the time you sign the contract (not to be cashed until seller has signed and delivered a binding contract) and then 5% of the purchase price within the next ten (10) days. Often you can reimburse this amount to your savings from the mortgage money you borrow.

If you have a down payment goal in mind that you need to save for, you'll reach it more quickly if you stick to these simple rules:

  • Pay yourself first. When you pay your monthly bills, the first check you write should be to your savings or investment account.
  • Avoid unnecessary purchases. The less you spend on big-ticket items that you don't really need, the sooner you'll become a homeowner. Keep that goal in mind when you shop.
  • Set realistic goals. Take an objective look at your monthly income and expenses, and decide how much you can really afford to put aside. If saving for a home causes you to fall behind on your other obligations, it will defeat the purpose.

Mortgage Programs

If you only have enough available for a minimum down payment, your choices of loan program will be limited to only a few types of mortgages. If someone is giving you a gift for all or part of the down payment, your options are also limited. If you have enough for the down payment, but need the lender or seller to cover all or part of your closing costs, this further limits your options. If you borrow all or a portion of the down payment from your 401K or retirement plan, different loan programs have different rules on how you qualify.

Of course, if you have enough for a large down payment, then you have lots of choices.

Your loan choices include such varied programs as conventional fixed rate loans, adjustable rate mortgages, buydowns, VA, FHA, graduated payment mortgages and all the varieties of each.

I work with 2 or 3 excellent mortgage sources who can get you pre-qualified or approved quickly and easily.