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Home For Sale - 746 Terranova Ln, Winter Haven, FL 33884

 Thu, Mar 16th 2023 9:21 pm by David Shippey Winter Haven Homes for Sale

New Listing in the Gated Community of Terranova in Winter Haven, Florida. See what this home has to offer you. Call for your private showing or with any questions.

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746 Terranova Lane
Winter Haven, FL

MLS# P4924959 - Residential

Welcome to the Gated Community of Terranova in Winter Haven, Florida. This Home includes 3 Bedrooms, 2 Baths, Living Room, Kitchen, 2 Car Garage, with a Screened Lanai. The Kitchen includes a Pantry, Breakfast Bar, Recessed Lighting, Extra Deep Sinks, Wood Cabinets, and Eat-in Kitchen. The Master Bath was remodeled in 2022 and includes Dual Sinks, Granite Countertops, Garden Tub, and a Walk-in Tile Shower with 2 Shower Heads. The Guest Bath was also re...


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Maximum Purchase Price!

 Wed, Mar 15th 2023 7:17 am by David Shippey Buyer Tips

Buyer Tip: Max Purchase Price

You already found a good Realtor, know your loan pre-approval amount, and made a list of needs and wants.

Next up -- decide how much you are willing to spend for a home that matches your list of needs.

Pro tip: if you're pre-approved for $300,000 but want to stay between $200,000 to $250,000, let your Realtor know. This will help them better curate the potential home list they share with you.

Did today's tip spark a question? Think I might be the right Realtor for you? Give me a call and let's talk!

David Shippey | Xcellence Realty
863-521-4517
Unforgettable Service | Undeniable Results
Serving Central Florida Home Buyers and Sellers Since 2005


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Mortgage Interest Rates for 30 year and 15 year mortgages 3.9.2023

 Sat, Mar 11th 2023 3:44 pm by David Shippey Mortgage Interest Rates

As of 3/9/2023:

30 year mortgages averaged 6.73%

15 year mortgages averaged 5.95%

For more information, view this article Mortgage Interest Rate.


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Mortgage Interest Rates for 30 year and 15 year mortgages 3.2.2023

 Sat, Mar 4th 2023 10:05 am by David Shippey Mortgage Interest Rates

As of 3/2/2023:

30 year mortgages averaged 6.65%

15 year mortgages averaged 5.89%

For more information, view this article Mortgage Interest Rate.


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What is Homestead Exemption?

 Tue, Feb 28th 2023 8:39 am by David Shippey Winter Haven News

What is Homestead Exemption?

If the property is your primary residence, Florida provides up to a $50,000 exemption on your property taxes. For example, if your home is valued at $300,000 and you have a $50,000 homestead exemption (because the home is your primary residence), you will only be taxed on $250,000 instead of $300,000 value. This exemption could save you about $1,000 a year on your property taxes!

How do I get the exemption?

A couple checkpoints are required to obtain the homestead exemption. You must own the home prior to January 1 to receive homestead exemption for the following year. You also must file for homestead exemption with your county's property appraiser prior to...


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Mortgage Interest Rates for 30 year and 15 year mortgages 2.23.2023

 Sat, Feb 25th 2023 8:00 am by David Shippey Mortgage Interest Rates

As of 2/23/2023:

30 year mortgages averaged 6.5%

15 year mortgages averaged 5.76%

For more information, view this article Mortgage Interest Rate.


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Comparative Market Analysis!

 Wed, Feb 22nd 2023 11:10 am by David Shippey Seller Tips

Seller Tip: Comparative Market Analysis

Ask your Realtor to do a Comparative Market Analysis (CMA) on your home. This will help determine the listing price range you should stay within based on similar homes that sold recently in your area.

Note: a CMA typically expires after 30 days due to the fluctuation of selling prices as more homes close each month.

Not sure if you agree with the CMA provided by your Realtor? No worries! You can elect to pay for a full appraisal via a licensed appraiser to determine the current value of your home.

Did today's tips spark a question? Think I might be the right Realtor for you? Give me a call and let's talk!

David Shippey - Xcellence Realty
863-521-4517
Unf...


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Mortgage Interest Rates for 30 year and 15 year mortgages 2.16.2023

 Sun, Feb 19th 2023 9:27 am by David Shippey Mortgage Interest Rates

As of 2/16/2023:

30 year mortgages averaged 6.32%

15 year mortgages averaged 5.51%

For more information, view this article Mortgage Interest Rate.


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Home Features!

 Tue, Feb 14th 2023 4:10 pm by David Shippey Buyer Tips

Home Features

Determine what you NEED in your next home. How many bedrooms? How many baths? How many people will be living in the home? Do you need a garage? If yes, for how many vehicles?

Does the laundry room need to be inside, or is a laundry hookup the garage ok? Do you need extra rooms like a home office, craft area, or bonus room?

Do you need a kitchen with a lot of countertop or cabinet space? What about an outdoor space -- acreage, screened porch, large yard?

Make a list of your WANTS too! Having separate lists of needs vs wants will help you quickly identify "deal breaker" items.

Share those lists with your Realtor to keep your home search moving in the right direction.

Did...


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Mortgage Interest Rates for 30 year and 15 year mortgages 2.9.2023

 Fri, Feb 10th 2023 5:20 pm by David Shippey Mortgage Interest Rates

As of 2/9/2023:

30 year mortgages averaged 6.12%

15 year mortgages averaged 5.25%

For more information, view this article Mortgage Interest Rate.


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Find Your Realtor!

 Tue, Feb 7th 2023 10:38 am by David Shippey Seller Tips

Seller Tip: Find Your Realtor


If you are considering putting your house on the market, find the right Realtor for YOU.


How do you do that? Ask family and friends about the Realtor they used. What did they like? What did they not like? How many years of experience does he/she have in real estate? How does his/her type of service match up to your lifestyle?


Also, make sure to look at the Realtor's reviews from previous buyers. Look for common themes and get a feel for his/her work ethic. Every Realtor is a bit different from the next. Ultimately, find someone you can trust!


Did today's tips spark a question? Think I might be the right Realtor for you? Give me a call and let's talk!


Dav...


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Mortgage Interest Rates for 30 year and 15 year mortgages 2.2.2023

 Fri, Feb 3rd 2023 7:15 pm by David Shippey Mortgage Interest Rates

As of 2/2/2023:

30 year mortgages averaged 6.09%

15 year mortgages averaged 5.14%

For more information, view this article Mortgage Interest Rate.


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Hometown Heroes Loan Program Reaches $50 Million

 Mon, Jan 30th 2023 3:53 pm by David Shippey Winter Haven News

The Hometown Hero Program has helped more than 3,500 buy homes with over $50 million provided in down payment and closing cost assistance. This Florida program has $100 million allocated so it is at the half way mark. If you are an Officer, Teacher, Nurse, Veteran, or another Hometown Hero, then consider this program made available to you.

For more details, Click Hometown Heroes.


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Mortgage Interest Rates for 30 year and 15 year mortgages 1.26.2023

 Fri, Jan 27th 2023 9:28 am by David Shippey Mortgage Interest Rates

As of 1/26/2023:

30 year mortgages averaged 6.13%

15 year mortgages averaged 5.17%

For more information, view this article Mortgage Interest Rate.


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How to Build Up Your Credit Score in 2023!

 Tue, Jan 24th 2023 8:00 am by David Shippey Winter Haven News

If you are thinking about a major purchase in 2023, such as a new home, make sure your credit score is in line if you want bank financing. If you need to build your credit up, here are some tips from the experts.

Click here to see top 5 credit tips.


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Mortgage Interest Rates for 30 year and 15 year mortgages 1.19.2023

 Fri, Jan 20th 2023 11:19 am by David Shippey Mortgage Interest Rates

As of 1/19/2023:

30 year mortgages averaged 6.15%

15 year mortgages averaged 5.28%

For more information, view this article Mortgage Interest Rates.


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Pre-Approve NOT Pre-Qualify!

 Wed, Jan 18th 2023 10:20 am by David Shippey Buyer Tips

Pre-Approve NOT Pre-Qualify!

What is the difference between being pre-approved and pre-qualified? Quite a bit actually!

Pre-qualified means the lender checked your credit scores and asked how much income you make each year.

Pre-approved means the lender looked at your credit scores, pay stubs, funds available, bank statements, income tax returns, w2 or 1099, investments, debt/income ratio, and verified employment!

In short, being pre-approved ensures your approval for financing is strong and less likely to fall through before closing.

Not sure which lender to choose for the pre-approval process? Ask your Realtor! He/She will be happy to give you a recommendation.

Did today's tips spar...


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Home for Sale Winter Haven - 5 Years New

 Mon, Jan 16th 2023 1:40 pm by David Shippey Winter Haven Homes for Sale

This Custom Home in Winter Haven Florida was built in 2017. This means the roof, air conditioner, and appliances are only 5 years old! This home is ready for showings and is currently for sale. Call for your private showing today.

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2118 Edgewater Circle
Winter Haven, FL

MLS# P4923974 - Residential

Happy New Year! Welcome to Edgewater Manor in Winter Haven, Florida. This Community is located just off Cypress Gardens Blvd across the street from Lake Roy. It is a Lakefront Community close to restaurants, shopping, LEGOLAND, and Highway 27. The home was Custom built in 2017 and is only 5 years old on major items such as Roof, Air Conditioner, and Appliances. The home includes 2763...


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Mortgage Interest Rates for 30 year and 15 year mortgages 1.12.2023

 Sat, Jan 14th 2023 7:14 am by David Shippey Mortgage Interest Rates

As of 1/12/2023:

30 year mortgages averaged 6.33%

15 year mortgages averaged 5.52%

For more information, view this article Mortgage Interest Rates.


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Conduct a Self-Home Inspection!

 Wed, Jan 11th 2023 9:42 am by David Shippey Seller Tips

Seller Tip: Conduct a Self-Home Inspection


Walk-through your house as if you are a potential buyer for the home! What did you like? What do you not like? What could be better?


Curb appeal is very important! Is the yard manicured? What's the first impression of the home?


Does everything work properly, or do you need to catch up on any deferred or minor repairs? Make a list of things as you go for easy follow up later.


Did today's tips spark a question? Think I might be the right Realtor for you? Give me a call so we can talk through your thoughts and concerns.


David Shippey - Xcellence Realty
863-521-4517
Unforgettable Service | Undeniable Results


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Featured Winter Haven Homes For Sale

David Shippey
Xcellence Realty, Inc.
1102 South Florida Ave
Lakeland, FL 33803

Phone: 863.521.4517
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