9400 Gladiolus Drive, Suite 290, Ft. Myers, Fl. 33908

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.


Loan Types

Most home loans fall into one of two general categories: fixed-rate mortgages and adjustable-rate mortgages (ARMs). You'll also encounter other basic loan types such as government loans and flexible credit solutions programs.

  • Fixed-rate mortgages have interest rates that stay the same for the entire life of the loan.
    • You will have predictable monthly payments throughout the life of the loan.
    • You'll be protected from rising rates, so your principal and interest payments can never increase, no matter how high interest rates rise.
  • Adjustable-rate mortgages have interest rates that adjust periodically based on market conditions.
    • The initial rate is fixed for an introductory period (usually one to ten years), and is typically lower than for a fixed-rate mortgage. After that, the rate adjusts annually based on a market index, but can't go above a predetermined adjustment cap.
    • Because of the lower initial rate, some borrowers may be eligible for a larger loan amount with an ARM than with a fixed-rate mortgage.