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Cape Coral Branch

Matt Pfeiffer
239.214.6703

Scott Kopko
239.214.6703

NMLS #1242469

Cape Coral sits on Florida’s stunning Gulf Coast, and the fun-to-say Caloosahatchee River runs here. But that’s not all—oh no. There are more than 400 miles of canals here, making it the city with the most miles of navigable waterways in the world. Cape Coral Beaches

“Snowbirds” are Northerners who head down to Florida to escape their unbearably frigid winters, just like migrating birds. One in five people of Cape Coral only live here seasonally. It probably has something to do with the fact that average highs hit the upper 70s to lower 80s November through March, with average lows staying in the mid 50s to low 60s.

Cape Coral burrowing owlsThe city has the largest population of burrowing owls in Florida, with about 1,000 nesting pairs. They’re one of the smallest owl species, averaging an adorable 5 to 8.5 ounces and 7 to 11.5 inches tall. In celebration, the Cape Coral Friends of Wildlife has been hosting the Annual Burrowing Owl Festival for well over a decade.

Sun Splash Family Waterpark is a massive recreation center with all sorts of wet fun, including pools, splash pads, water slides, tube rides, flume rides and more. There’s stuff for kids of all ages, and for adults who want to act like kids.

And so much more to enjoy this great city: Cultural Park Theater, Four Mile Cove Ecological Preserve, the biggest Oktoberfest celebrations in the state, Octoberfest Cape Coralenvironmental classes hosted by Rotary Park Environmental Center, the Academy of Model Aeronautics and the Cape Coral R/Sea Hawks Club where your radio controlled toys can fly as well as the honoring those who served with the Southwest Florida Military Museum and Library offering 34,000 square feet of military history.

Not to forget about all of the luscious green golf courses, amazing spots to indulge as “foodies,” culture and history too much to fathom…come experience this amazing city!


Cape Coral Real Estate Market Report 2019

Cape Coral Real Estate Market

cape-coral-real-estate-market Cape Coral is a city in Southwest Florida, sandwiched between the ocean and Fort Myers. You probably haven’t heard of it unless you’ve vacationed there to be close to the ocean without officially being in Fort Myers. We’ll first share a number of facts about this Fort Myers suburb. Then we’ll share 10 reasons to invest in the Cape Coral real estate market.

Cape Coral is home to around 180,000 permanent residents. However, it is part of the 700,000 strong Fort Myers metropolitan area. The town is notable for the number of navigable canals and rivers in the area. It is also one of the early master planned communities, though it isn’t as bad as Coral Gables near Miami.

The Cape Coral housing market is somewhat competitive. The average sale price of a home in Cape Coral was $233K last month. Prices reflect cost of living, and here in Southwest Florida, the cost of living is affordable.

In Southwest Florida they have lower taxes, so people get to keep more of their income. Southwest Florida real estate market is a good deal. It offers water, warmth and a way of life and a median sales price that is less than that of the United States.

Home Inventory Cape CoralCape Coral is a vibrant and friendly community with all the beauty that you expect from Southwest Florida. With more than 400 miles of canals, boating, fishing and water sports are a significant enhancement to the quality of life here in Cape Coral.

Cape Coral Real Estate Market Forecast 2019

Let’s take a look at the real estate market forecast of Cape Coral. On Zillow, the median home value in Cape Coral is $227,500. Cape Coral home values have gone up 5.6% over the past year and the Cape Coral real estate market prediction is that they will rise 0.8% in 2019.

Median Home Price Cape Coral The median list price per square foot in Cape Coral is $151, which is lower than the Cape Coral-Fort Myers Metro average of $160. The median price of homes currently listed in Cape Coral is $258,890 while the median price of homes that sold is $216,600. The median rent price in Cape Coral is $1,560, which is lower than the Cape Coral-Fort Myers Metro median of $1,750.

Currently, the statistics show us that the Cape Coral real estate market is very healthy. On Trulia, the Cape Coral real estate market trends indicate a decrease of $4,000 (-2%) in median home sales and a -1% drop in median rent per month over the past year. The average price per square foot for this same period fell to $139, down from $140. Trulia has 1,544 resale and new homes in Cape Coral lined up for you, including open houses, and homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process.

Cape Coral Real Estate Trends – Home Prices And Appreciation Rates

Cape Coral real estate appreciated 27.11% over the last ten years, which is an average annual home appreciation rate of 2.43%, putting Cape Coral in the top 20% nationally for real estate appreciation. Appreciation rates are so strong in Cape Coral that despite a nationwide downturn in the housing market, Cape Coral real estate has continued to appreciate in value faster than most communities.

Appreciation Values in Cape Coral Looking at just the latest twelve months, Cape Coral appreciation rates continue to be some of the highest in America, at 7.06%, which is higher than appreciation rates in 77.30% of the cities and towns in the nation.

Based on the last twelve months, short-term real estate investors have found good fortune in Cape Coral. Cape Coral appreciation rates in the latest quarter were at 1.43%, which equates to an annual appreciation rate of 5.84%.

Visit us today at 1229 Cape Coral Parkway E, Cape Coral, FL 33904


Stay Within Budget When Buying a House

5 Budgeting Tips

A house is likely to be the most expensive purchase you’ll ever make. And if you’ve waited a long time for this day to come, you’ve undoubtedly thought about the features you desire – maybe you’re craving a huge master bedroom with walk-in closets, or perhaps a gourmet kitchen. We’ve listed five budgeting tips for you to follow that will help you out.

While you don’t want to skimp on the amenities you love, adding too many can drive up the cost and destroy your budget. By thinking about your long-term financial goals and assessing your budget before you buy, you can score the home you want without experiencing buyer’s remorse.

1. Establish a Firm Price Limit and a List of “Must Haves”

When you’re pre-approved for a mortgage, your bank determines how much they think you can afford to spend on a house. But don’t assume the number they provide is the amount you should spend.

Go online and use a mortgage calculator – after you enter a sale price, a loan term, and interest rate, the calculator estimates your monthly payment, including home-owners insurance, property taxes, and private mortgage insurance. Also, research whether there are other expenses you’ll need to work into your budget after buying a home.

5 Home Buying Budgeting Tips with Land Home FinancialFor instance, association dues, a lawn or pest service or possible higher utilities; these costs can really add up and eat into your monthly budget. If you decide in advance which amenities are “must-haves” and which would simply be nice to have, you’ll be in a better position to stay within budget when you start looking at homes.

 2. Keep Tabs on Your Real Estate Agent

Land Home Financial Realtor PartnersI’ve had only positive experiences with my real estate agents, but not everyone is as lucky. Good agents respect your finances and only show you homes you can afford.

That being said, some agents may try to push the envelope and recommend properties outside your price point. Be firm and stick to your guns.

3. Don’t Compare Yourself to Others

It’s very easy to fall into the cycle of “compare and despair.” This is a nasty cycle to fall into, especially when it comes to buying a home. A house isn’t a pair of shoes or an expensive handbag – if you overspend when buying a house, it isn’t easy to recover from the mistake.

Rather than obsessing over the fact that your friend bought a house with an outdoor kitchen, offer your congratulations, and then get excited about what your budget can do for you. Maybe you’ll have four bedrooms instead of two, or you’ll have a gas oven instead of an electric one. Then, think about the ways you’ll benefit from staying within your budget, such as maintaining a healthy vacation or a retirement fund or starting a college fund for your kids.

4. Avoid Bidding Wars

Competing with other buyers is no picnic, and to win a bidding war, you often have to increase your offer. This isn’t necessarily bad, as long as you’re able to stay within budget – however, bidding wars can get out of hand quickly.

If you get caught in a bidding frenzy, you could end up spending more than you want. Decide how much you’re willing to pay for a particular house in advance, and resist the urge to exceed that limit. In other words, be willing to walk away.

5. Bid on Houses That Aren’t Selling

Some buyers shy away from homes that have been on the market for a long time, assuming that there must be some hidden defect. But sometimes, a home’s inability to sell is much more simple. For instance, maybe it just has bad curb appeal, or there’s too much inventory in a particular market.

Therefore, it is important that you do not automatically rule out a house just because it has been sitting for a long time. If anything, seek out these houses. The seller is probably motivated and willing to drop the asking price to move the property.

Even if the seller isn’t willing to drop the price, there are still more opportunities for negotiation when a home has been on the market for months. If you can identify the reason the property hasn’t sold, then you can ask the seller to reduce the home’s asking price or provide a cash allowance for the fix.

If you’re still concerned about possible hidden defects, state in your bid that the offer is subject to a satisfactory home inspection – which is a good idea no matter what.

Final Word

Staying within budget when buying a house takes discipline, so you must approach the buying process with care. Know what you’re willing to spend, and refuse to look at homes listed above your budget. If you’re unable to find a suitable property after a few weeks or months, revisit your budget to see if you have any wiggle room. If not, hold out – it’s only a matter of time before the right house comes along.

 


Corporate Community Lending Program

Corporate Community Lending Program

Land Home Financial's Corporate Community Lending Program

Land Home Financial Services, Inc was founded on helping stabilize families and companies by providing unmatched specialized lending services. As a Direct Community Seller & Servicer of lending products we have opportunities to create and serve companies with our Corporate Community Lending Program.

Set Your Business Apart

Provide you employees with this exclusive program and receive these benefits:

  • Customized Branded Landing Page for your website
  • Dedicated Phone Line and Email for timely and personalized customer service
  • Reduced Lender Fees for your employees
  • Homebuyer Education and Preparation Services
  • Down Payment Assistance Programs

 

Land Home Financial's Promise to Serve Corporations

 

Your Company’s Unique Value Proposition

Research shows that employees who work for companies that provide programs that assist in the education and facilitation of homeownership, experience:

  • Greater Workplace Satisfaction
  • Fewer Sick & Personal days
  • Overall improved Mental & Physical well-being
  • Sense of Community
  • Financial Security

This means less doctor’s visits & lower healthcare costs – for YOU, the Employer!

 

Corporate Benefits Package

Land Home Financial Service for Your Employees

Home Ownership with Land Home FinancialCommunity INSPIRED – Community FOCUSED – Community DRIVEN

 

We are proud to become your Corporate Community Lending Partner. Contact our office TODAY – see how easy it is to GET STARTED!


Choose Land Home Financial as Your Preferred Builder

Preferred Lender for All Builders

What we found working with many other builders is that they usually have their own lender and then a list of three preferred builder lenders to choose from if their in-house lender cannot approve them they select from the Alternative List.

Preferred Builder Lender - Land Home Financial

As a builder you can’t afford to NOT have us as one of your Preferred Lenders and here’s why…

  • We’re a Direct Lender – servicing our own loans
  • 4% Grant for primary home buyers up to $454,100.00
  • We offer both state and local bond assistance programs
  • Our “Power Purchase” program with 1% down for frst time home buyers
  • USDA, FHA & Conventional Loans
  • VA loans with no lender fees
  • We have a Builder Processing Center specialized for builders providing status updates
  • We offer extended rate lock for 6-months during the building process

We Help with “Turn Downs”

Additionally, we have a about a 70% conversion rate on “turn downs” from already built homes from the following builders: Lennar, Pulti, Park Square, KB Homes, DR Horton, Snow Construction, Meritage, Minto & Toll Brothers and am very confident we can do the same with your organization.

*Please note all percentages and statements are subject to change based on regulations that may arise. The use of hypothetical, predictive, and current statements, by Land Home Financial Services are meant to illustrate current operation standards.


Millennials dominating Cape Coral first-time housing market

Here Come the Millennials

Cape Coral is known as one of the best places to retire, but millennials are now dominating the first time housing market.

“I’m 34 and I have a seven-year-old so I’d like to establish more roots,” Fort Myers resident  said. She is a mom and a millennial, and she’s looking to buy her first home.

“I’m looking to purchase a home preferably in Cape Coral,” she said. “From what I’ve researched it has the best schools, they have more playgrounds.”

“Close to 80% of the first time homebuyers are millennials.”

Millennial first-time buyerRental prices are very high, about the lowest available is about $1,000.00 a month. With the lower interest rates, this is becoming an uptick for first-time buyers. For those worried about a hefty down payment, there are programs to help lower the out-of-pocket amount due at signing.

“They have programs out now that will allow you to take that as a second on your home, and you can roll a whole 100% of those fees right into where you walk into the closing, sign all your documents, walk out with keys and not pull a dime out of your pocket, and have it all into the cost of your home,” said Bill Johnson Jr., CEO and Executive Director of the Cape Coral Construction Industry Association.

The new generation of buyers and builders are taking notice.

“There’s a lot of great builders out there that are building within that $180-250,000 price point,” Johnson Jr. said.

Cape Coral is becoming a great place to start after being known as a retirement destination.

“Now we’re able to step in where our parents were and buy outlet homes and establish our roots for our children and the next generation,” one Millennial mom said.


We Hire the Best

Do You Have What it Takes?

Land Home Financial Services, Inc has been helping individuals, couples and families get pre-approved for a home mortgage, offering the “right” mortgage for their situation and expediting the mortgage process as efficient as possible. We deliver from “pre-approval to close” with unmatched service by providing the right product and “Hiring the Best” in the industry! Our Loan Originators and Support Staff are focused on getting the mortgage closed properly as quick as possible!

Work for Land Home Financial Florida

LinkedIn_Recruiting_invest   And Here’s Why:

  • We service our own loans & bonus our LO’s year over year from the servicing
  • Company paid assistances to support each branch
  • Coaching & Training available for experienced Originators
  • We have our own Appraisal Desk – no AMC
  • Little to no Over-Lays (we go by AUS)
  • Originators can submit TBD files for Underwriting
  • LO’s submits directly to Underwriter to expedite Loan Commitments
  • We support our Originators offering DPA Loans
  • Our Underwriters actually call you to avoid suspending a file
  • Our processors chase conditions, not our Originators

 

If you live in Florida, have originated a minimum of 24 loans or more for at least 2 years – then WE Need to Talk!

Contact me ANYTIME including after hours or weekends!

 

Vincent Ortiz, Loan Officer

Direct 407.625.9093 Land Home Financial Loan Officer

Vincent.Ortiz@lhfs.com

 


Welcome to Land Home Financial

Your Preferred Direct Community Lender

Since 1988, Land Home Financial has been serving communities nationwide with honesty, expertise, and a personal touch.

We provide diversified funding options and consistent, superior, personalized service to our clients and partners, including: homebuyers, mortgage brokers, builders, manufactured and modular home retailers, and real estate agents.

Get Qualified with Land Home Financial

Have a look at a just a few of the reasons that more and more Americans are choosing Land Home Financial Services:

Land Home Financial - Get Qualified

Whether you are looking to purchase a home, refinance your current mortgage, or get a reverse mortgage, our expert Loan Originators here at Land Home Financial can walk you through the process in-person or over the phone.

Success comes from Great People

Our goal is to create and maintain an environment where employees can contribute creative ideas, seek challenges, assume leadership roles, and continue to focus on meeting and exceeding both business and personal objectives. To grow, we find it essential to provide each associate on-the-job development, supplemented with suitable training as necessary.


6 Tips for Hosting Thanksgiving

Host Like a Champ!

FB_Thanksgiving_leaves_2018Whether it is your first time hosting or you are a Turkey-serving veteran, Land Home Cape Coral, realizes hosting a Thanksgiving dinner can be a lot of work. However, if you keep organized, hosting Thanksgiving in your home can be a wonderful experience, full of happy memories.

1. Never turn down help.

Land Home can help you with home buyingThe beauty of Thanksgiving is friends and family coming together. There is no reason for you to be in the kitchen by yourself! Divide and conquer. Don’t be afraid to delegate those side dishes. It will make the day all the more memorable having everyone be a part of the process.

2. Prep!

Avoid those “When will the food be ready?” questions by planning your menu ahead of time. There may even be a few dishes you could make the night before. If not, look for ways to cut down on prep time early like peeling the potatoes, chopping the vegetables, or toasting the nuts.

And don’t forget the place settings! You can also prep the non-food tasks beforehand. Set your table the night before to eliminate one more task the day of.

3. Stick to what works.

Land Home First Time home buyer helpThanksgiving is all about the classics so it may not be the best time to experiment with a new recipe. If you want to spice up the menu, try a practice round a week or two before to work out the kinks.

4. Don’t stress over appetizers.

Fancy appetizers can be overkill—you don’t want your guests getting full before dinner!  Some crudités or store-bought cheese and crackers are perfect for your guests to nibble on before the main event.

5. Store bought is okay!

Making everything from scratch is a wonderful gesture but it is usually too much work for one person. If you haven’t delegated a few things to some guests, don’t be afraid to buy freshly baked rolls or a pie from your favorite bakery.

6. Enjoy the company of your family and friends!

Land Home Financial Helping families celebrateAt the end of the day, Thanksgiving is about being thankful. Be sure to take a moment to relax and enjoy sharing a meal with those you love. Down the road, your guests will remember the laughs and the stories much more than they will remember the meal.

We hope that our tips on hosting a memorable Thanksgiving in your home have helped you, Happy Thanksgiving from all of us here at Land Home Financial Services, Inc.


Single-Family, Townhome or Condominium?

Which Home Style fits You?

Whether you’re first-time home buyer, downsizer, upgrader or simply just trying to picture your life owning your own space in Cape Coral, we’ve broken it down to give you positives and negatives to owning each style of dwelling.

Single Family Home

Owning a home can offer a variety of positives as well as considerations based on your goals and desires as a person, couple or growing family. Certainly a single-family offers more space for families that are growing. In addition, homes tend to be a better investment vehicle with generally a higher demand and freedom to build, expand and renovate as needed. Land Home Financial Single-Family Home

Considerations to owning a single-family home versus a townhome or condominium usually mount up in cost to maintain. Owners are typically responsible for all maintenance.

Condominium

Usually less expensive by equal comparison to a single-family home as the building maintenance is managed by the homeowner’s association for a monthly fee. These costs go to lawn maintenance, the common areas including the gym, pool, mail center, security gates and general property care. Land Home Financial Condominium

Considerations to owning a condominium would be that there is less space for growing families yet may be ideal for singles or couples as well a few others. They are generally a weaker investment than a home and harder to differentiate with less options in expansion and renovation.

 

Townhome

Owning a townhome generally can be less expensive than a single-family home due to the maintenance being offset through the association fees as well as minimal yard and garden spaces to maintain. Land Home Financial Townhouse

A townhome is a weaker investment compared to a home yet stronger than a condominium. Also, you have fewer neighbors as well as more property to enjoy. The same considerations with expansion and renovation apply when choosing a townhome over a single-family home.

Final Words

Life’s filled with endless opportunities such as travel, study, flatting, social events, must-have retail products, thoughts of marriage and possible children.

Home ownership is often the afterthought, in a series of decisions that ultimately affects our financial position and timing in acquiring our own piece of turf.

If you aren’t lucky to have your parents fund your travels or university, there are choices to be made: do you work and save for a house? Or do you travel? Or do you study then work and save for a house? Or do you get married and have children then work and save for a house?

The end result is that there is always going to be a sacrifice along the way. So if home ownership is your ultimate goal, something is going to have to take the back seat.

 


Your Preferred Community Lender

The Heart of a Community Based Lender

Core Values & Mission

The heartbeat of Land Home Financial is promote and live by a community-based philosophy with our external customers and our internal community. We’re committed to servicing our customers by providing home loan options that best fit their needs. Behind every loan is a person, a family, and a home within a community, which is why we all work so hard for those seeking real estate financing. Each customer is a member of the Land Home community.

Land Home Financial

When the transaction funds, the relationship continues because we retain almost 100% of our servicing. Land Home Financial is also committed to servicing its community of employees. Looking for ways to make our company excel is always a priority. Exceptional, stronger resources and new helpful tools are always on the agenda as Land Home Financial pursues ways to rise above competition. Suggestions and feedback provided by Land Home Financial employees is valued and helps in shaping the course for change when there is a benefit for all.

Plans for the Future

Maintaining a sustainable business plan for growth is always a main priority. Where many mortgage companies may retract their expansion goals or stop them altogether, Land Home Financial has positioned itself to stay on the course for opening branches in more markets across the country. Not only does the business plan contain new office expansion, but new division expansion as well. Doubling the footprint of the Land Home Financial brand nationally is a goal we plan to achieve. Land Home reinvests in the company, raising the quality of all facets of the enterprise to attract Loan Officers and Operational staff to help Land Home become an even stronger entity.

Land Home Invests in PeopleHaving been in the business for over 30 years has taught Land Home’s leadership how to be strategic in making business decisions that support the company business plan. Two key components that make Land Home a great place to join: Our company is fiscally secure, and our employee community is loyal and shares the same vision to accomplish goals together.

Who is Land Home Financial

Land Home is a privately-owned mortgage banker, opened in 1988. The leadership, together with employees (not a room full of shareholders), make the important lending decisions at Land Home. Our business decisions are rooted in common sense, experience, and knowledge. At Land Home we have a dedicated compliance team to offer guidance in the choices we make. We are a company that invests capital to fuel growth (rather than generate profit divided among a few).

Our customers and our employees are our greatest assets. Our common goal is to do what is in the best interest for every customer we have the opportunity to serve.