soldbyoliverthorpe

Property never used or rented. Your chance to buy something new. Fully furnished unit five minutes from Disney's main gate. Three-and-a-half baths, gourmet kitchen, full laundry and an amazing outdoor patio with a summer kitchen and spa. You can have all the services and facilities of a resort and the comfort and privacy of a home. The community has concierge services, a 24-hour clubhouse, fitness center, playroom, house cleaning service and restaurant on-site.

Beautiful single family home in the lovely community if Lake Davenport Estates. UNFURNISHED, giving you the liberty to design and add personal touches that fits your style. Boasting 3 bedrooms and 2 1/2 baths with an open plan concept. Bright and airy interior, spacious living room and dining area. Charming kitchen that comes with wooden cabinets for storage and a center island. Walk straight past the living room and proceed to the screened-in private pool where you can relax and enjoy sunbathing under the Florida sun. This home needs TLC. With great location, it's perfect to be used as a primary home or an investment property. Inquire now! Oliver Thorpe U.S. Army Veteran and Realtor Your Home Sold Guaranteed Realty 352-242-7711

BEAUTIFUL TOWNHOME NEAR THE ATTRACTIONS, EXCELLENT OPPORTUNITY TO INVEST...This is a 4 Bedroom, 3 Bath townhome with pool is located in the desired & gated "Storey Lake" Resort. A few minutes away from Walt Disney World, Universal Studios, Seaword, shops and restaurants. Professionaly decorated, with open floor plan with a large breakfast bar separating kitchen, great room and dining area...The kitchen is fully equipped with beautiful appliances and sliding doors lead to a covered patio area and a heated pool. The large community Club House with extensive recreational facilities offers a resort style pool and lazy river, minigolf, two water slides and a huge splash park. Community fee includes valet garbage, exterior painting, cable/internet services...The fitness center offers state-of-the-art equipment and is open for extended hours for our guests...All furniture and appliances are included ! To Tour this or any other home in Central Florida contact Oliver Thorpe U.S. Army Veteran & Realtor Your Home Sold Guaranteed Realty Oliver@RedmanPG.com (352) 242-7711

Ready to Move!. This home is crafted with the latest in eco-friendly construction technologies, designed to save you money for years to come. This four bedroom, three bathroom townhome features luxurious porcelain tile floors, modern cabinetry, and premium quartz countertops. The bright and spacious floor plan also includes a heated pool with jets located under the aluminum screened-in lanai. Upstairs the oversized Master bedroom features an en-suite bathroom, along with plentiful storage space. From cabinets to flooring, you make selections from our list of stunning, contemporary finishes, all customized to your style. All these premium features are included standard in the sales price. This community has no rental restrictions, an affordable HOA and is within close proximity to world-class theme parks, attractions, golf courses, shopping, and restaurants. We are less than 8 miles to Walt Disney World’s Western Entrance.co-friendly new construction. To see this home or any other in Central Florida Contact Oliver Thorpe U.S. Army Veteran & Realtor Your Home Sold Guaranteed Realty Oliver@RedmanPG.com 352-242-7711

Today we take a tour of a 6 Bedroom/ 5 Bathroom turnkey home in Kissimmee Florida. If you would like your own private tour of this or any other home in Central Florida contact Oliver Thorpe U.S. Army Veteran & Realtor 352-242-7711 Oliver@RedmanPG.com

Today we view an off market property in Leesburg Florida, to see what kind of homes that I find that are off market. These off market homes include: For Sale By Owners, Foreclosures/Pre-Foreclosures/ Distressed Sales/ Bank owned. Put me to work for you finding you an Off Market home here in central Florida. Contact me at Oliver Thorpe GKC U.S. Army Veteran & Realtor 352-242-7711 Oliver@RedmanPG.com #forsaleinflorida #LeesburgFL #Oliverhasthebuyers #Floridahomesflorsale

Low Credit Score? Your Mortgage Options Having good credit won’t get you a mortgage by itself, but it definitely helps. A good credit score can result in a lower interest rate and better loan terms, while poor credit can lead to a higher interest rate for a mortgage. But it’s not impossible to obtain a home loan if you have poor credit and are working to improve it. Here are some options: Wait a Few Months Work on improving your credit score for a few months, and then try to get a home loan. The wait may be worth it and could boost your credit score just enough to qualify for a loan. There are several ways to improve a credit score. Reducing debt is the best way, so do all you can to pay off your credit card bills. If you have a history of late payments, or just a few of them, stop that bad habit and start paying all of your bills on time. Also, check your credit reports for errors and fix them, and don’t apply for new credit cards when shopping for a home loan. FHA Loan A loan backed by the Fair Housing Administration (FHA) is usually the easiest type of mortgage loan to qualify for. It’s aimed at first-time homebuyers and requires a low down payment of 3.5 percent for people with credit that isn’t very high. Borrowers with credit scores as low as 500 can qualify for FHA loans. However, FHA loans do have an additional expense—you’re required to purchase mortgage insurance. This protects the lender if you default on the loan. Are You a Veteran? A Veterans Affairs mortgage, or VA loan, is a low-cost home loan for veterans. It doesn’t require a down payment in most cases, has lower rates than conventional loans, and doesn’t require paying a monthly mortgage insurance premium, among other benefits. Most VA-approved lenders require a credit score of at least 620, according to the Veterans United Network. Have a Higher Down Payment The interest rate a lender offers on a mortgage is partly based on risk. A poor credit score can mean you’re a higher risk for not repaying the loan than someone with a high score. To offset some of that risk and qualify for a lower interest rate, you can make a higher down payment. Putting 20 percent down instead of 5 percent may get you a better rate on a loan. Whatever loan option you choose for a home purchase when trying to improve your credit, you should continue working to boost your credit score after buying a home. When it gets high enough, it may be worthwhile to refinance your home loan.

Today we take a 5 Minute home tour of a home in Lake Wales Florida Personal Home Search | Your Home Sold Guaranteed Realty 352-242-7711 👉CLICK HERE: https://www.oliverhasthebuyers.com 📌Your Home Sold Guaranteed Realty - Redman Property Group 📌BUY THIS HOME, WE WILL BUY YOURS! 📌Call Redman Property Group 407-552-5281 or go to 📌https://www.yourhomesoldguaranteedrea... Local attractions BOK TOWER : https://boktowergardens.org/ Spook Hill: https://visitcentralflorida.org/featured/spook-hill/ #PersonalHomeSearch #oliverhasthebuyers #YourHomeSoldGuaranteedRealty #4cornerspropertyteam

Tips for Veterans Buying a Home with VA Loan For veterans or service members looking to buy a home with a Veterans Affairs loan, there are some extra steps to take and home condition requirements that aren’t needed with other types of loans. The home must be safe, clean, in good condition and move-in ready, partly because the U.S. Department of Veterans Affairs doesn’t want to back a loan where the military member’s finances are at risk because they have to make unexpected home repairs. The extra work can be worthwhile. VA loans are 0.25 to 0.50 percent lower than conventional loans, don’t require a down payment or mortgage insurance, and have more flexible and forgiving requirements. Closing costs are limited and lenders fees are limited to 1 percent of the loan amount. The government guarantees at least a quarter of the loan amount on a VA mortgage, which is why a down payment and mortgage insurance aren’t needed. For buyers who qualify, here are some things to be aware of when buying a home with a VA loan: Look for a move-in ready home. Homes that are structurally sound, safe and sanitary are more likely to pass the VA appraisal. The property must have adequate heating, roofing and safety features, and major issues must be repaired before the loan can close. If the VA expert has to return to reinspect something that needs to be fixed, the borrower will have to pay more inspection fees. Be ready for an inspection. A home inspection is a normal part of buying a house, but a VA inspector will make sure the property is in good, working order. But a lot of the things they’ll be looking at are cosmetic, which a regular lender wouldn’t be concerned with. Though a VA inspection can sound like a professional home inspection, it isn’t and buyers can hire their own inspectors after the VA one if they’d like. And more inspections. The VA also requires some inspections that other lenders don’t. A VA loan will require a pest inspection, along with a look at the septic tank, if there is one, and the water well if the property isn’t on a city water line. Quicker timeline. VA loans have tighter timelines than other types of loans, which is why hiring a real estate agent and loan officer who have experience with VA loans can make the process smoother. Active-duty service members can have short buying windows if they’re ordered to move to another base. The information in this video is for informational us only. Please contact me or another Real Estate professional for you exact criteria. If you have a question please that you think would make a great Quick tip please submit your question via text to 352- 242 7711 or email your question to oliver@redmanpg.com

Private tour of a home for sale in Lake Wales, Florida Here are the stats on this home County: Polk Status: Active On Market Date: 10/07/2021 Subdiv: TEMPLE GRV TER List Price: $236,000 Beds: 3 Year Built: 1960 Baths: 1/1 Special Sale: None Pool: Private ADOM: 21 Property Style: Single Family Residence CDOM: 21 Total Acreage: 0 to less than 1/4 Pets: Yes Minimum Lease Period: No Minimum Max Times per Yr: Garage: No Attch: Spcs: Carport: No Spcs: Garage/Parking Features: Driveway LP/SqFt: $200.68 Heated Area:1,176 SqFt / 109 SqM New Construction: No Total Annual Fees:0.00 Average Monthly Fees:0.00 Flood Zone Code:X For your private home tour of this home or any other home in Central Florida Contact Oliver Thorpe U.S. Army Veteran & Realtor 352-242-7711 Oliver@RedmanPG.com

So What is a "Final Walk Through?" in this Quick Tip we will look at what exactly is a final walk though

Today we tour an off market property in Davenport Florida. If you would like to learn more about off market properties and how you van save THOUSANDS of dollars contact me at 352-242-7711

Find Hidden Household Leaks in 10 Minutes Water conservation isn’t only good for the environment; it’s also good for your bank account. According to the U.S. Environmental Protection Agency (EPA), easy-to-fix leaks in homes across the country waste a total of almost 1 trillion gallons of water every year. Furthermore, because the average leaky home wastes about 10,000 gallons annually, leaks could be costing you at least 10 percent more on your water bills—without you even knowing it. Are pesky water leaks hiding in your home? To find out quickly, take the EPA’s 10-minute challenge to search for common leaks using the agency’s room-by-room checklist below: BATHROOM Toilets: Conduct a leak test by putting a few drops of food coloring in the toilet tank and letting it sit for 10 minutes. If color shows up in the bowl, you have a leak and might need to replace your toilet flapper. (Make sure to flush after the test to avoid staining the tank.) Faucets: Listen for drips, and turn on the tap to check for water going the wrong direction. Shower heads: Turn on the shower, and look for drips or stray sprays that can be stopped with pipe tape. In the tub: Turn on the tub, then divert the water to the shower and see if there’s still a lot of water coming from the tub spout; that could mean the tub spout diverter needs replacing. Under the sink: Check for pooling water under pipes and rust around joints and edges. LAUNDRY ROOM Clothes washer: Check for pooling water, which could indicate a supply line leak. KITCHEN Faucet: Listen for drips, and tighten aerators or replace fixtures if necessary. Sprayer: Check to make sure water is spraying smoothly, and clean openings as needed. Under the sink: Check for pooling water under pipes and rust around joints and edges. Appliances: Check for pooling water underneath dishwashers and refrigerators with ice makers, which could indicate a supply line leak. BASEMENT/UTILITY ROOM Water heater: Check beneath the tank for pooling water, rust or other signs of leakage. THROUGHOUT THE HOUSE Check for signs of moisture or mold on your walls, ceilings or floors. This could indicate that a pipe is causing trouble behind the scenes and requires the attention of a professional. In addition to the 10-minute checklist, the EPA also suggests looking at your water bill. If a family of four uses over 12,000 gallons of water during a colder month, such as January or February, the house likely has a major leak problem. Compare your utility bills to see if there’s a random jump in monthly water usage, as well. Many household water leaks, such as running toilets or dripping faucets, are simple to fix. You can read a DIY book or watch an instructional video online, then take a quick trip to your local hardware store for supplies. Cracking down on leaks can help your community conserve water and, better yet, ensure your money isn’t going down the drain.

Tips for Veterans Buying a Home with VA Loan For veterans or service members looking to buy a home with a Veterans Affairs loan, there are some extra steps to take and home condition requirements that aren’t needed with other types of loans. The home must be safe, clean, in good condition and move-in ready, partly because the U.S. Department of Veterans Affairs doesn’t want to back a loan where the military member’s finances are at risk because they have to make unexpected home repairs. The extra work can be worthwhile. VA loans are 0.25 to 0.50 percent lower than conventional loans, don’t require a down payment or mortgage insurance, and have more flexible and forgiving requirements. Closing costs are limited and lenders fees are limited to 1 percent of the loan amount. The government guarantees at least a quarter of the loan amount on a VA mortgage, which is why a down payment and mortgage insurance aren’t needed. For buyers who qualify, here are some things to be aware of when buying a home with a VA loan: Look for a move-in ready home. Homes that are structurally sound, safe and sanitary are more likely to pass the VA appraisal. The property must have adequate heating, roofing and safety features, and major issues must be repaired before the loan can close. If the VA expert has to return to reinspect something that needs to be fixed, the borrower will have to pay more inspection fees. Be ready for an inspection. A home inspection is a normal part of buying a house, but a VA inspector will make sure the property is in good, working order. But a lot of the things they’ll be looking at are cosmetic, which a regular lender wouldn’t be concerned with. Though a VA inspection can sound like a professional home inspection, it isn’t and buyers can hire their own inspectors after the VA one if they’d like. And more inspections. The VA also requires some inspections that other lenders don’t. A VA loan will require a pest inspection, along with a look at the septic tank, if there is one, and the water well if the property isn’t on a city water line. Quicker timeline. VA loans have tighter timelines than other types of loans, which is why hiring a real estate agent and loan officer who have experience with VA loans can make the process smoother. Active-duty service members can have short buying windows if they’re ordered to move to another base. The information in this video is for informational us only. Please contact me or another Real Estate professional for you exact criteria. If you have a question please that you think would make a great Quick tip please submit your question via text to 352- 242 7711 or email your question to oliver@redmanpg.com

Things to Consider If You Have Inherited a House When someone passes away, his or her house is generally left to a family member. Figuring out what to do after inheriting a house can be confusing and overwhelming, particularly when it is unexpected or when siblings become joint owners. People sometimes rush to make decisions, and sometimes, they put off making important choices. Either can lead to more financial costs and stress. Find and Prevent Damage If you’ve inherited a house, you should first assess its current condition. Have the house inspected by a professional so that you know what needs work and so you can make any necessary repairs. Next, contact the utility companies to have the accounts switched to your name. It’s also important to keep the heat and water turned on to avoid problems such as frozen pipes. In addition, keep the electricity working and have the yard maintained in order to avoid making it obvious that the house is unoccupied. Clean Out the House Invite family members to the house to take any items they want, provided they weren’t left to specific individuals in the will. Start with immediate family members, then branch out to allow others to choose things they would like. This can be an emotionally difficult task, but putting it off will prevent you from moving forward and deciding what to do with the house. Move in, Sell or Rent? If you want to move into the house, find out how much the mortgage (if any) and property taxes would be. If you and your siblings are joint owners of the house and one of you wants to live in the space, the future resident can buy out the others, pay them rent, or work out another arrangement. If you decide to sell the house, you will need to pay taxes on any increase in value between the time of inheritance and the time of sale. Renting is another option to consider. While you might be able to make money by renting out the property, you need to consider the potential costs that come with this option. In addition to being responsible for taxes and insurance, you would also be personally responsible for maintenance and repairs, unless you hired a property manager. Hiring someone to handle these tasks would cut into your profits, but it could also make renting the house less stressful. If you choose to rent the space, be prepared to thoroughly vet prospective tenants to avoid dealing with missed rent payments, damage and possible eviction proceedings. Think Things Over Carefully The death of a loved one is an emotionally painful experience that can leave people feeling overwhelmed and struggling to make decisions. If you’ve inherited a house, it has likely created a host of financial and emotional issues that you weren’t anticipating. Talk to your family and ask professionals for advice so that you can make the right choices.

What Agents Must Share From Real Estate Disclosures There’s a memorable phrase in the real estate profession of “Disclose, disclose, disclose. Those who don’t, don’t close, don’t close, don’t close.” It’s a smart rule to follow, and not just to make a sale. The National Association of Realtors® Code of Ethics goes into some detail about what agents should disclose to clients, though there isn’t much about rules for real estate disclosures about a property’s condition. An agent’s role in conveying the seller’s disclosure is pretty straightforward: Tell everything required by law, which vary by state and can go down to the city and county level. The one area that federal law requires disclosure of is lead paint. If a home was built before 1978, it may contain lead paint, and a disclosure form must be completed. The state and federal regulations are meant to disclose known facts about a property’s condition, including problems that could discourage potential buyers. These include leaking windows, being in a flood zone and if a murder happened on the site. While a home inspection should turn up most issues and could turn up new issues that no one knew about, it’s legally up to the seller to tell buyers about problems they already know about a home. Most states require real estate agents and brokers to sign a disclosure form listing everything material about the deal, under penalty of perjury. A real estate agent representing the buyer has a duty to disclose information that would allow the buyer to complete the sale at the lowest price and at the most favorable terms for the buyer, and these can include home defects that need to be fixed. Some issues may not meet current building codes but are working fine for the current owner, who isn’t obligated to disclose them, Wolfs says. These can include older windows, railings that are low, a driveway needing repair and improper grading. Sellers and their agents may not have to disclose such issues, but revealing as much as they can in a disclosure statement is only in their best interest in the long run if they don’t want to be sued afterward for not alerting a buyer to something they knew about. “Disclose, disclose, disclose.” Follow that mantra and you should be safe. I hope you found this real estate information helpful. Please contact me for all your real estate needs today! Oliver Thorpe U.S. Army Veteran & REALTOR Your Home Sold Guaranteed Realty 352-242-7711

Low Credit Score? Your Mortgage Options Having good credit won’t get you a mortgage by itself, but it definitely helps. A good credit score can result in a lower interest rate and better loan terms, while poor credit can lead to a higher interest rate for a mortgage. But it’s not impossible to obtain a home loan if you have poor credit and are working to improve it. Here are some options: Wait a Few Months Work on improving your credit score for a few months, and then try to get a home loan. The wait may be worth it and could boost your credit score just enough to qualify for a loan. There are several ways to improve a credit score. Reducing debt is the best way, so do all you can to pay off your credit card bills. If you have a history of late payments, or just a few of them, stop that bad habit and start paying all of your bills on time. Also, check your credit reports for errors and fix them, and don’t apply for new credit cards when shopping for a home loan. FHA Loan A loan backed by the Fair Housing Administration (FHA) is usually the easiest type of mortgage loan to qualify for. It’s aimed at first-time homebuyers and requires a low down payment of 3.5 percent for people with credit that isn’t very high. Borrowers with credit scores as low as 500 can qualify for FHA loans. However, FHA loans do have an additional expense—you’re required to purchase mortgage insurance. This protects the lender if you default on the loan. Are You a Veteran? A Veterans Affairs mortgage, or VA loan, is a low-cost home loan for veterans. It doesn’t require a down payment in most cases, has lower rates than conventional loans, and doesn’t require paying a monthly mortgage insurance premium, among other benefits. Most VA-approved lenders require a credit score of at least 620, according to the Veterans United Network. Have a Higher Down Payment The interest rate a lender offers on a mortgage is partly based on risk. A poor credit score can mean you’re a higher risk for not repaying the loan than someone with a high score. To offset some of that risk and qualify for a lower interest rate, you can make a higher down payment. Putting 20 percent down instead of 5 percent may get you a better rate on a loan. Whatever loan option you choose for a home purchase when trying to improve your credit, you should continue working to boost your credit score after buying a home. When it gets high enough, it may be worthwhile to refinance your home loan.

Do You Need a Job to Get a Mortgage? If you’re between jobs or retired—or not working and considering retirement—you can still buy a home and get a mortgage that will require you to make monthly payments. While you don’t need a job to get a mortgage, what you do need is income. And there are many types of income that lenders will accept for a mortgage loan. You’ll likely need to have a few of them to qualify, and you’ll need to document them. Here are some sources of income beyond having a job: Social Security Retirees aren’t the only people receiving Supplemental Security Income (SSI), which is a form of income. You may be on permanent disability or dependent on someone and receive SSI income. Pension If a former employer is sending you a regular check each month, it should be easy to document this income with bank statements or an award letter. Retirement Fund Withdrawals IRA withdrawals are required at a certain age. At age 59 1/2, you can withdraw any amount from your IRA without having to pay the 10 percent penalty; however, your regular income tax will be due on each withdrawal. Traditional IRA distributions aren’t required until after age 70 1/2. Most mortgage lenders will require having enough money in your retirement accounts to support withdrawals for at least five years. Spousal or Child Support You aren’t required by law to reveal income from spousal or child support, but you can if you want to, especially if it’s needed to qualify for a mortgage. The income should continue for at least three years, which should be stated in a divorce decree or child support agreement. Dividend and Interest Income If your investments are earning you money, that income can help you qualify for a mortgage. Most lenders will average the last two years of income as reported to the IRS, so lenders will need tax returns to use this income. Asset-Based Income Aside from any restricted retirement accounts, investments and savings that don’t have dividend or interest income can be used as income to qualify for a mortgage. These funds should be substantial, since Fannie Mae and Freddie Mac rules divide those assets by the number of months in which the loan will be repaid. Private Loans If you’ve loaned someone money and they’re paying you back, or you sold a house or business and are carrying a loan note that’s being repaid to you, these can qualify as income. Payments must last for at least three years to qualify as income toward a mortgage. A copy of the note and bank statements showing payments received will be required. This article is intended for informational purposes only and should not be construed as professional or legal advice.

Today we tour an investment property in Davenport, Florida near Walt Disney World to see if the property would make a good investment property. If you would liek to tour this or any other investment property contact me at Oliver Thorpe 352-242-7711

Tips to Remove Stubborn Home Odors Odors are a huge turnoff for potential homebuyers and can be difficult to remove. The truth is that most homes have some sort of smell to them. Most often, the people who live there don’t even notice. This is especially true of pet odors. Owners become accustomed to their pet’s smell, such as from litter boxes for cats or from shedding. Visitors, however, are going to notice these odors, especially if the home is not properly cleaned. Pet owners should use a carpet deodorizer when vacuuming—one that is designed to remove animal smells. Check your furniture for odors as well. If you smell your pet, wash the cushion covers or use a deodorizing product if they aren’t machine washable. If the pet smell is very prominent, consider having the carpets and furniture professionally cleaned. Cat owners should clean out the litter box daily and should wash it with water and liquid soap regularly. Non-pet owners aren’t off the hook odor-wise. Many things can make a home smell, but there are four easy steps to take to cut down on strong odors. Think about what you cook. Even with an exhaust fan, things like fish and bacon can produce odors that linger. Baking cookies before showings or open houses is a classic trick to give a house a pleasant smell. Light a candle. Scented candles can add a pleasing smell to the home and set a relaxing mood. Pick candles with more neutral smells or think seasonal (pumpkin in the fall, pine during the holidays, etc.). Take out the trash. Empty all trash containers around the house before showings or open houses. Focus on the kitchen as it’s likely to contain food scraps. Also consider washing the trash container if you haven’t in a while. Empty trash baskets are more visually appealing anyway. Maintain a clean fridge. Cleaning a refrigerator is a must when selling a house. Empty it out regularly so that food odors don’t build up. Don’t forget to add a box of baking soda to absorb odors. And if the weather permits, open up the windows. Even if it’s just for a short amount of time, it’s the simplest way to clear out odors! If you need help buying or selling your home contact me directly at Oliver Thorpe U.S. Army Veteran & Realtor Your Home Sold Guaranteed Realty

Terms Every Homebuyer Should Understand If you’re buying a home, you’ll more than likely be obtaining a mortgage, which you may not know much about. In fact, unless you’ve been involved in a home sale before, there are many things you will be learning about for the first time. Here is a handy list of some of the key terms that every person involved in a real estate transaction should understand. Appraisal: The written analysis of the estimated value of a property, as prepared by a qualified appraiser, which often determines if you will qualify for the loan. Closing: One of the last steps of any sale. This is the meeting where the lender, buyer and seller complete the sale and mortgage process. Once the home closes, the home officially belongs to the new buyer. Closing costs: This term refers to the money paid at closing to the lender and consists of a loan origination fee, points, appraisal fee, title search and insurance, survey, taxes, deed recording fee, credit report charge and other costs assessed at settlement. Closing costs usually average between 2 – 6 percent of the total mortgage amount. Credit report: Simply a report of your credit history that a lender will use to determine if you are a good risk for a loan. Interest-only mortgage: A loan whereby you only pay the interest portion of the mortgage payment each month. Interest rate: The annual interest on a loan. The lower your interest rate, the lower your monthly payment will be. Lock-in: The lender’s guarantee that you will be granted a certain interest rate for a specific time period, such as 30 days before closing. Origination fee: The fee charged by a lender for processing a loan. Points: The amount that can be paid to a lender to lower the interest rate on your loan at closing. Each point is equal to 1 percent of the loan amount. Private mortgage insurance (PMI): For those buyers who put less than 20 percent down on a home, lenders will require you to take out PMI, which is then added to your monthly mortgage payment. This protects the lender in the event that you default on the loan. Title: The home document that proves ownership of the property. If you're looking to buy or sell your home contact me at Oliver Thorpe GKC Your Home Sold Guaranteed Realty 352-242-7711

Today we'll be taking a 5 minute home tour our Regal Palms in Davenport Florida. If you're looking to buy or sell your home contact me today at 352-242-7711

Today we take a tour of Island Club West in Davenport Florida . A resort style property only minutes to Walt Disney World. If you would like your own personal tour of this or any other property in Central Florida contact me at 352-242-7711

Today we take a look at a great unit in Bass lake. With easy commute to Walt Disney World and other central Florida attractions, this quiet gated community is the perfect place to settle down. For your private Bass Lake tour contact Oliver at 352-242-7722 today

Today we take a look a a great property located in Bahama Bay Resort. Set 9 miles from Walt Disney World®, this relaxed lakeside resort is also 17 miles from SeaWorld. The subdued 3-bedroom villa feature free Wi-Fi, private balconies and pull-out sofa. The villa also come with full kitchens, and flat-screen TVs with DVD players. Amenities include 4 outdoor pools, a sports court and a children's play area. There are also 2 restaurants and a grocery store, as well as a fitness center, a lakeside beach and a fishing dock. A business center and meeting facilities are available. For your private showing of this home or any other in Central Florida please contact me at Oliver Thorpe 352-242-7711