b'W New ConstructionHoommee??WhhyyBBuuyyaaNew ConstructionHLayout and DesignThe latest model homes hitting the market are designed to meet the evolving desires of the home buyer. Reflecting the latest lifestyle trends, home seekers will find that luxury owners suites, open floorplans, indoor-outdoor space, and resort style bathrooms are all very popular.Financing Your Home New home builders can make the home buying process even easier with streamlined financing. Most builders can arrange home loans through wholly owned mortgage subsidiaries or partnerships with third party mortgage lenders. The relationship Customizationsbetween the builders and their partners simplifies the buying Builders offer a multitude of custom options from finishes toexperience, reduces stress, time, and unwanted surprises. Prior floorplans, to ensure every home fits the unique needs of eachto purchasing any home, buyers should do their own due buyer. Most model homes also have layout options to modifydiligence. Here are a few steps to get started:bathrooms, bedrooms, and closets. Builders will guide buyers1.Assess Your Situationthrough the customization process as they select appliances,Buyers should start having a solid grasp on How Much flooring, colors, and more. House they can afford, offers Richard Green, a MIDFLORIDA Savings and Efficiency Mortgage Professional. Online mortgage calculators are a Although the upfront cost for a new home can be more pergreat way to estimate a monthly payment. At square foot, the long-term cost savings are greatly reduced withMIDFLORIDA.com, potential home buyers can find eightlower maintenance and higher efficiency systems. New homeshelpful calculators to assess monthly payments, rent have little to no maintenance and no surprises! Buyers canvs own, tax savings, and more.also find comfort with a builder-backed warranty and peace of2.Understand Your Financing Optionsmind knowing the home meets all the latest safety codes. NewThere are many mortgage types to meet the needs of each model homes offer the latest in technologies, some in the leastindividual buyer. If you are a first-time buyer or unfamiliar expected spots. New appliances use far less energy and providewith the financing process, it is recommended that you more efficient features. Dual pane windows and insulated walls,meet with a trusted mortgage professional to understand ceilings, and floors help to stabilize seasonal temperaturesthe available options. Mortgages are not one size fits all lowering energy bills. Current homeowners can sign up to haveand can be complicated. There is no fee and it is well Duke Energy provide a complimentary Home Energy Checkworth the time to meet with a Mortgage Professional to to help determine where efficiencies can be found in currentunderstand what option best fits your goals, advised homes. To sign up and to find additional resources visit www. Richard Green of MIDFLORIDA Credit Union.Duke-energy.com.3.Down Payment RumorsShop Safely Do not automatically write off owning a home because of The Tampa Bay Parade of Homes has taken enhanced healththe down payment. There are down payment assistance and safety measures and you can find individual protocolsprograms available that may be used to facilitate the for each builder listed on the Parade website. As a standard,home buying process. Mortgages are now available with a please always wear a mask that covers both your nose andwide range of down payment requirements, some as low mouth when visiting a home. Other safety measures that youas 3%. Buyers eligible for VA financing may be able to may encounter on the Paradelimiting visitor groups, handpurchase with no money down.sanitizing stations, model home sanitation, mask requirements, and more.Youre always welcome to call the model home prior to visiting to learn more or set a private appointment.Visit www.TampaBayParadeofHomes.com for updated pricing, floorplans, virtual tours, and builder highlights.2'