David Shippey
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Florida Assist Loan Program

Mon, Jul 1st 2024 6:19 am by David Shippey Winter Haven News

Florida Assist Loan Program

If you’re a first time homebuyer or have not bought a home in the last 3 years, the Florida Assist Loan Program might be for you. This down payment assistance program is always available. This program provides $10k that could be used for down payment, closing costs, prepaids or a combination of these.

Here are some of the guidelines:
1. Credit score of at least 640
2. This loan is a silent 2nd mortgage that doesn’t require payments or accrue interest
3. The loan must be paid back when the property is sold or refinanced

NOW is the time to start looking for your home! Ready to get started? Give me a call.



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Mortgage Interest Rates for 30 year and 15 year mortgages 6.27.2024

Fri, Jun 28th 2024 6:29 pm by David Shippey Mortgage Interest Rates

As of 6/27/2024:

30 year mortgages averaged 6.86%

15 year mortgages averaged 6.16%

For more information, view this article Mortgage Interest Rate.



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Hometown Heroes Loan Program Starts July 1st 2024

Wed, Jun 26th 2024 12:33 pm by David Shippey Winter Haven News

If you’re a first time homebuyer or have not bought a home in the last 3 years, this EXCITING NEWS is for you. This program is no longer restricted to only veterans or first responders. The extremely popular Hometown Heroes down payment assistance program will get $100 million in funding on July 1!

This program provides 5% down payment assistance up to $35k with a minimum of $10k that could be used for down payment, closing costs, prepaids or a combination of these.

Here are some of the guidelines:
1. One occupying borrower must work full-time with a FL based employer
2. Borrower(s) that work from home, must report to or work out of a specific FL location to qualify
3. Credit score of at l...



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6030 Forest Ridge Ln - Winter Haven - $389,900

Mon, Jun 24th 2024 8:57 am by David Shippey Winter Haven Homes for Sale

This home is for sale and available for showings in Winter Haven. Check out the features below, view the pictures, and be sure to watch the virtual tour. Call for your showing today!

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6030 Forest Ridge Lane
Winter Haven, FL

MLS# P4930074 - Residential

Welcome to the Forest Ridge Community located in Northeast Winter Haven between Lake Henry and Lake Hamilton close to Highway 27. Winter Haven offers a Chain of Lakes for your boating, fishing, and skiing enjoyment! Winter Haven is also the home for Legoland a popular theme park. This home was built by D R Horton in 2016 featuring 2 Stories with 2526 square feet living area, 4 Bedrooms, 2 Full Baths, 1 Half Bath, Large Foyer, Liv...



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Mortgage Interest Rates for 30 year and 15 year mortgages 6.20.2024

Sat, Jun 22nd 2024 1:37 pm by David Shippey Mortgage Interest Rates

As of 6/20/2024:

30 year mortgages averaged 6.87%

15 year mortgages averaged 6.13%

For more information, view this article Mortgage Interest Rate.



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Mortgage Interest Rates for 30 year and 15 year mortgages 6.13.2024

Wed, Jun 19th 2024 12:30 pm by David Shippey Mortgage Interest Rates

As of 6/13/2024:

30 year mortgages averaged 6.95%

15 year mortgages averaged 6.17%

For more information, view this article Mortgage Interest Rate.



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Home for Sale - Only 8 Years Old - Winter Haven - $389,900

Mon, Jun 17th 2024 8:52 am by David Shippey Winter Haven Homes for Sale

This home was built in 2016 by D R Horton in Forest Ridge, Winter Haven. Amongst other things, that makes all of the major maintenance items only 8 years old which would include the Air Conditioner, Hot Water Heater, Roof, Plumbing, and Electrical. The home was freshly painted in 2023 inside and outside. The homeowner just recently replaced the refrigerator with a nice stainless steel refrigerator since pictures were taken. Take a look at the other features below and schedule your showing to see everything.

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6030 Forest Ridge Lane
Winter Haven, FL

MLS# P4930074 - Residential

Welcome to the Forest Ridge Community located in Northeast Winter Haven between Lake Henry and Lake Ham...



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Large Home for Sale with Fenced Backyard in Winter Haven!

Tue, Jun 11th 2024 8:40 pm by David Shippey Winter Haven Homes for Sale

Besides this home meeting your needs inside, it also offers opportunities outside. There is a Large, fenced yard perfect for pets! Plenty of room to add a pool! Ideal location for summer cookouts! The possibilities are endless for quality time with all your favorite people soaking up the Florida sunshine! Take a look at the other features this home has to offer below:

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6030 Forest Ridge Lane
Winter Haven, FL

MLS# P4930074 - Residential

Welcome to the Forest Ridge Community located in Northeast Winter Haven between Lake Henry and Lake Hamilton close to Highway 27. Winter Haven offers a Chain of Lakes for your boating, fishing, and skiing enjoyment! Winter Haven is also the home...



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Mortgage Interest Rates for 30 year and 15 year mortgages 6.6.2024

Fri, Jun 7th 2024 9:12 am by David Shippey Mortgage Interest Rates

As of 6/6/2024:

30 year mortgages averaged 6.99%

15 year mortgages averaged 6.29%

For more information, view this article Mortgage Interest Rate.



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Florida’s Disaster Preparedness Sales Tax Holiday is here!

Wed, Jun 5th 2024 12:09 pm by David Shippey Winter Haven News

Florida’s Disaster Preparedness Sales Tax Holiday is here!

Running June 1-14, this is a great opportunity to not only get yourself and your home prepared in case a hurricane heads our way but also a FANTASTIC opportunity to update your home’s smoke, fire, and carbon monoxide detectors if that’s been on your to-do list.



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Large 4 Bedroom Home for Sale with over 2500sqft living area in Winter Haven

Mon, Jun 3rd 2024 12:10 pm by David Shippey Winter Haven Homes for Sale

If you need or want a Large Home, consider this Featured Home in Forest Ridge, Winter Haven. This home has 4 Large Bedrooms, Large Living Room, and Dining Room. The home is 2,526 square feet living area with 2,976 square feet under roof. Check out the other features below and schedule your showing!

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6030 Forest Ridge Lane
Winter Haven, FL

MLS# P4930074 - Residential

Welcome to the Forest Ridge Community located in Northeast Winter Haven between Lake Henry and Lake Hamilton close to Highway 27. Winter Haven offers a Chain of Lakes for your boating, fishing, and skiing enjoyment! Winter Haven is also the home for Legoland a popular theme park. This home was built by D R Horton i...



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Mortgage Interest Rates for 30 year and 15 year mortgages 5.30.2024

Fri, May 31st 2024 12:22 pm by David Shippey Mortgage Interest Rates

As of 5/30/2024:

30 year mortgages averaged 7.03%

15 year mortgages averaged 6.36%

For more information, view this article Mortgage Interest Rate.



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Should I use 3-Tab or Dimensional Asphalt Shingles?

Mon, May 27th 2024 12:38 pm by David Shippey Winter Haven News

What is the better choice with asphalt shingles, 3-tab or dimensional architectural shingles?

I get this question all of the time. I am sure the answer is probably different depending on where you live. This blog is the opinion of living in Florida which is a hurricane state.

The 3-tab shingles, which are used often, provides that smooth look across your roof with the shingles laying flat. Many homeowners like this look as it is uniform. In Florida, the life expectancy of this shingle can vary between 13 to 17 years with the average being about 15 years of life.

The dimensional or architectural shingles as they are sometimes called are layered on your roof. When looking across your roo...



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Mortgage Interest Rates for 30 year and 15 year mortgages 5.23.2024

Fri, May 24th 2024 9:31 am by David Shippey Mortgage Interest Rates

As of 5/23/2024:

30 year mortgages averaged 6.94%

15 year mortgages averaged 6.24%

For more information, view this article Mortgage Interest Rate.



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COMMUNITY OPEN HOUSE - FOREST RIDGE, WINTER HAVEN - SATURDAY 6.1.2024

Wed, May 22nd 2024 3:47 pm by David Shippey Winter Haven Open Houses

We will be holding a Community Open House on Saturday 6/1/2024 from 1pm until 4pm at Forest Ridge in Winter Haven Florida. We plan to open as many homes as are able to do Open Houses that are for sale on the same day and time so you can go house to house. Today, there are currently 10 homes in the community with different sizes and prices for sale. Let me know if you would like a complete list of homes available in the community. The following home will be in the Community Open House.

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6030 Forest Ridge Lane
Winter Haven, FL

MLS# P4930074 - Residential

PRICE REDUCED! Welcome to the Forest Ridge Community located in Northeast Winter Haven between Lake Henry and Lake Hamilton cl...



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Hometown Heroes Loan Program Funded $100 Million! 7.1.2024

Mon, May 20th 2024 8:48 pm by David Shippey Winter Haven News

If you’re a first time homebuyer, this EXCITING NEWS is for you. The extremely popular Hometown Heroes down payment assistance program will get $100 million in funding on July 1!

While the guidelines for this new allotment haven’t been released just yet, the last version of this program provided 5% down payment assistance up to $35k with a minimum of $10k that could be used for down payment, closing costs, prepaids or a combination of these.

NOTE: These funds always deplete quickly! In order to reserve your share, you must be under contract. Which means NOW is the time to start looking for your home!

Ready to get started? Give me a call.

David Shippey
Xcellence Realty, Inc.



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Mortgage Interest Rates for 30 year and 15 year mortgages 5.16.2024

Fri, May 17th 2024 2:09 pm by David Shippey Mortgage Interest Rates

As of 5/16/2024:

30 year mortgages averaged 7.02%

15 year mortgages averaged 6.28%

For more information, view this article Mortgage Interest Rate.



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Homes for Sale in Forest Ridge, Winter Haven

Wed, May 15th 2024 6:36 pm by David Shippey Winter Haven Homes for Sale

Welcome to the Forest Ridge Community located in Northeast Winter Haven between Lake Henry and Lake Hamilton close to Highway 27. Winter Haven offers a Chain of Lakes for your boating, fishing, and skiing enjoyment! Winter Haven is also the home for Legoland a popular theme park.

This community currently has 10 homes available for sale ranging in size and price. The community consists of 147 homesites so that is less than 7% for sale at this time. Prices range from $271,000 to $500,000. Sizes available range from 1525 feet of living area to 2696 feet. Check out the featured home below. Let me know if you have any questions.

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6030 Forest Ridge Lane
Winter Haven, FL

MLS# P493007...


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Mortgage Interest Rates for 30 year and 15 year mortgages 5.9.2024

Fri, May 10th 2024 10:10 am by David Shippey Mortgage Interest Rates

As of 5/9/2024:

30 year mortgages averaged 7.09%

15 year mortgages averaged 6.38%

For more information, view this article Mortgage Interest Rate.



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Price Reduced! - 6030 Forest Ridge Ln, Winter Haven - $389,900

Tue, May 7th 2024 9:19 am by David Shippey Winter Haven Homes for Sale

Price reduced for a quick sale on this home. Home features 4 bedrooms, 2.5 baths, 2 story, 2526sqft living area, 2 car garage, and vinyl fenced backyard. Check out more features below. Call today for your showing.

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6030 Forest Ridge Lane
Winter Haven, FL

MLS# P4930074 - Residential

PRICE REDUCED! Welcome to the Forest Ridge Community located in Northeast Winter Haven between Lake Henry and Lake Hamilton close to Highway 27. Winter Haven offers a Chain of Lakes for your boating, fishing, and skiing enjoyment! Winter Haven is also the home for Legoland a popular theme park. This home was built by D R Horton in 2016 featuring 2 Stories with 2526 square feet living area, 4 Bedroom...



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