Own Your Dream
The dream of home ownership is well within your reach at Calesa Township. The KeyTurner program is a valuable tool to prepare buyers financially to purchase a new home.
Purchasing a New Home
can be complicated and filled with questions:
Where should one begin?
Who can be relied upon?
Will eligibility be an issue?
The KeyTurner Program was developed to streamline the home purchasing journey for our clients, offering expert assistance and financial optimization strategies to simplify the process.
When you join our KeyTurner program, the benefits are endless! Our credit optimization coaches will help you get
started by:
- Providing a free credit score analysis
- Troubleshooting loan applications
- Helping you repair, restore and improve your credit rating
- Helping you resolve outstanding debt and manage personal budgets
At the end of the KeyTurner program, not only will you gain freedom and control over your financial future, but you’ll also be ready to unlock homeownership at Calesa Township.
Ready. Set. Go!
Calesa Township has partnered with the best credit optimization coaches in the industry who will guide you through the home buying process in detail and work with you to chart a simple-to follow plan to help you unlock homeownership.
- Qualifying for a mortgage
- Money for a down payment
- Low credit rating
- Basic home buying knowledge
This invaluable guidance is entirely FREE for our customers.
Unlock Homeownership!
1. Choose Your Home
Once you’ve identified the home that best suits your needs, your community specialist will guide you on the next steps and introduce you to your credit optimization coach.
2. Map Your Dream
A credit optimization coach will conduct a complete financial analysis and develop a plan to help you reach your homeownership goals. Your coach will get to know you, your family and your unique financial circumstances.
3. Communication
A timeline and milestones will be established, and follow-up meetings will be scheduled to support your progress. Your credit optimization coach is there to help you meet your goals and assist you throughout the process.
4. Financial Optimization
A new credit analysis will be conducted to reflect your newly updated financial status.
5. Welcome to Homeownership!
Celebrate your successful completion of the KeyTurner program. You are now ready to purchase your dream home in Calesa Township.
Frequently Asked Questions
Great question, we do have a home to sell programs that offer a reduced rate for selling your current home. These programs will help you determine the value of your current home. Once you know the potential sale price, calculate how much equity you’ll have after paying off your mortgage and any selling costs. Get pre-approved for a mortgage to understand how much you can borrow for your new home. Timing is key. Coordinate the sale of your current home with the purchase of the new one. You may need to negotiate a rent-back agreement or find temporary housing if there’s a gap in between the two.
The interest rate does not directly affect your credit score. However, your credit score can impact the interest rate you receive when borrowing money. Lenders use your credit score to determine the risk of lending to you. A higher credit score can result in a lower interest rate, while a lower credit score may lead to a higher interest rate. So, having a good credit score can help you secure better interest rates and potentially save you money in the long run.
That is something you would have to talk to a real estate attorney, we are not allowed to give legal advice as none of us are attorneys. There are a lot of different reasons to put property in a trust or LLC and that is what the attorney knows and can direct them the right way which is best for them. We do have an attorney’s office nearby that would be able to help you. Colen & Wagoner, PA located in the Circle Square Commons.
Your credit score can actually have an impact on your monthly payment when it comes to things like loans or mortgages. Lenders use your credit score to assess your creditworthiness and determine the interest rate they’ll offer you. A higher credit score usually means a lower interest rate, which can result in a lower monthly payment. So, it’s important to maintain a good credit score to potentially save money in the long run.
Absolutely! Buying a house in a new neighborhood can be a great opportunity to meet new people. You’ll have the chance to connect with your neighbors, attend local community events, join one of the many clubs and explore nearby amenities. Consider joining neighborhood groups, participating in the local activities or even hosting a housewarming party to get to know your new neighbors. It’s a wonderful way to build a sense of community and make new friends.
Absolutely! Buying a home now, before you retire, can be a smart move. By purchasing at today’s prices, you can potentially benefit from any future appreciation in the housing market. Additionally, you can lock in a mortgage at current interest rates, which may be lower than what they’ll be in the future. Just make sure to consider your financial situation, including your retirement plans to ensure it aligns with your long-term goals.
When it comes to selling, renting or buying, there’s always more to learn. Here are a few things you may not know:
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Selling: Consider staging your home to make it more appealing to buyers. Also, be prepared for the costs of selling, such as agent commissions and closing fees.
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Renting: Understand your rights and responsibilities as a tenant and be aware of any rental laws specific to your area. Don’t forget to budget for security deposits and potential maintenance costs.
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Buying: Factor in additional costs like property taxes, homeowners insurance, and potential renovations.
If your money is tied up in investments, we can work with you on a payment plan to help make the transaction smooth until your funds aren’t tied up. We can also refer you to our list of preferred lenders to assist in mortgage planning and questions regarding your investments
Now is a great time to buy! Interest rates are lower and there may be good deals available. Just make sure to do your research and consider your personal financial situation by meeting with one of our preferred lenders that can help you navigate your finances.
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Research the market to understand property values.
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Set a budget.
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Start with a reasonable offer and be prepared to negotiate.
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Be confident and assertive in your negotiations.
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Consider other factors like closing costs when making your offer.
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Remember it’s about finding a win-win for both parties.
Calesa Township is Ocala’s Next Big Thing in Family Living!
With an extensive trails systems including both dirt trail nature hikes, and paved fitness paths with yoga pavilions perfectly spaced throughout the community, Calesa Township is the place to be! This unique trails system will keep children and adults of all ages occupied and motivated for hours. Best of all, kids will be able to move throughout the community without having to cross a street. Complete with community pools, soccer fields, and basketball courts, Calesa Township is likely to be the healthiest community in Ocala, FL.
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