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New Construction vs. Resale Homes: Which One Is Right for You? 

New Construction vs. Resale Homes: Which One Is Right for You? 

by | May 29, 2025 | Blog, Buyers, Homeowners, New Construction, News, Renters, Retirement / 55+, Sellers

Start your Home Buying journey with the right foot:

New Construction

vs. Resale Homes

in 2025: Which One

Is Right for You? 

As the real estate market evolves in 2025, one of the most common decisions homebuyers face is whether to purchase a new construction home or a resale (existing) home. Both options offer unique advantages, and the right choice often depends on your budget, timeline, and lifestyle goals. 

If you’re planning to buy a home in Central Florida or beyond, here’s what you need to know about the key differences between new construction vs. resale homes in 2025—so you can make the most informed decision. 

What‘s a New Construction Home? 

A new construction home is one that is brand new and has never been lived in, typically built by a developer or homebuilder. Buyers may purchase these homes in planned communities or custom-build them on private lots. 

Key Features: 

  • A big pro on the new buildings is that they are built under the latest building codes, energy efficiency standards, and smart home technology 
  • Often customizable during the building process 
  • Lower maintenance needs in the early years 

What’s a Resale Home? 

A resale home is an existing home that has had one or more previous owners. These homes are usually located in established neighborhoods and may have mature landscaping, unique architecture, or upgraded features. 

Key Features: 

  • These are often located in more developed areas with mature trees and amenities 
  • May have lower purchase prices per square foot 
  • May require renovations or upgrades depending on age 

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New Construction vs. Resale Homes in 2025: Pros and Cons 

Pros of New Construction Homes 

  • Energy Efficiency: New buildings often come with solar panels, smart thermostats, and energy-efficient HVAC systems. 
  • Warranties: Most builders offer structural and system warranties for peace of mind. 
  • Customization: Buyers may choose finishes, layouts, or upgrades during early phases. 
  • Modern Design: Open floor plans, high ceilings, and luxury kitchens are often standard. 

Cons of New Construction Homes 

  • Longer Wait Times: Build times may range from 6 to 12 months or longer. 
  • Higher Base Prices: Customization and lot premiums can drive up the price. 
  • Fewer Established Communities: Many new developments are located on the outskirts of cities. 

 

Pros of Resale Homes 

  • Established Neighborhoods: Closer to schools, hospitals, and entertainment hubs. 
  • Quicker Move-In: Immediate availability compared to the wait for new builds. 
  • Character and Charm: Unique architectural details not often found in newer homes. 
  • Potential for Value: With some renovations, older homes may offer excellent equity growth. 

Cons of Resale Homes 

  • Maintenance Costs: Older systems (plumbing, roofing, HVAC) may require repairs. 
  • Outdated Layouts: Smaller kitchens, fewer bathrooms, or closed-off living spaces may not appeal to everyone. 
  • Unknowns: Previous maintenance history and hidden issues can sometimes be a risk. 

 

Market Trends in 2025 

In 2025, new construction homes are gaining popularity thanks to rising inventory and builders offering incentives like rate buy-downs, closing cost assistance, and appliance packages. However, resale homes continue to dominate overall sales, especially in areas with limited land availability. 

Mortgage interest rates, labor shortages, and material costs remain key factors influencing both markets. As new construction becomes more competitive, buyers are advised to compare builder incentives vs. resale home pricing closely. 

Which Option Is Right for You? 

Choose New Construction If: 

  • You want the latest in energy efficiency and technology 
  • You prefer low maintenance and warranties 
  • You’re flexible with your move-in timeline 
  • Customizing your home is a priority 

Choose a Resale Home If: 

  • You need to move quickly 
  • You prefer an established community 
  • You’re comfortable budgeting for renovations 
  • You want more negotiating power on price 

Conclusion 

There’s no one-size-fits-all answer when comparing new construction vs. resale homes in 2025. It comes down to your lifestyle, financial goals, and desired timeline. 

During the last thirty years we have established and maintained relationships with every builder in Central Florida and that means our clients receive the best guidance and advice. Before making a decision, consult with a trusted real estate professional who understands both the new build process and the resale market. They can help you weigh your options, negotiate effectively, and avoid costly surprises. 

 

Ready to Explore Homes in Central Florida? 

Whether you’re leaning toward brand-new construction or a charming resale, RE/MAX Heritage is here to guide you every step of the way. We specialize in matching buyers with homes that fit their lifestyle and long-term goals. 

Contact Us Today!

Buying in a Flood Zone: What Florida Homebuyers Need to Know

by | May 13, 2025 | Blog, Buyers, Homeowners, Mortgages, New Construction, News, Real Estate News, Renters, Retirement / 55+, Sellers, Uncategorized

Understanding Flood Zones

Buying in a Flood Zone: What Florida Homebuyers Need to Know

For many Florida homebuyers, the words “flood zone” can raise immediate concerns—but the truth is, buying in a flood zone can come with some surprising advantages. With the right knowledge and preparation, purchasing a home in a flood-prone area can be a smart investment, especially in a state where water views and waterfront access are among the most desirable features in real estate.

Here’s what Florida homebuyers should know about the benefits and considerations of buying in a flood zone—and how to make an informed decision that aligns with their lifestyle and financial goals.

What Is a Flood Zone?

A flood zone is a geographic area defined by the Federal Emergency Management Agency (FEMA) to represent a level of flood risk. Flood zones help lenders and insurers determine risk and coverage requirements.

Common Florida flood zones include:

  • Zone X (Minimal Risk): No flood insurance required.

  • Zone AE or A (High Risk): Located in the 100-year floodplain; insurance is required with most mortgages.

  • Zone VE (Coastal High Hazard Area): High exposure to wave action and storm surge.

While these designations may sound restrictive, many of Florida’s most beautiful and desirable properties fall within these zones.

Why Consider Buying in a Flood Zone?

1. Desirable Locations and Scenic Views

Many flood zones are located near lakes, rivers, or the ocean—exactly where many buyers want to be. Homes in these areas often offer:

  • Waterfront access

  • Stunning sunset views

  • Proximity to beaches, parks, and outdoor recreation

Properties in flood zones can deliver a lifestyle centered around nature, tranquility, and Florida’s iconic water-centric living.

2. Potential for Better Home Values and Long-Term Equity

Because flood zone properties are often in prime locations, they may retain or increase in value over time, especially with limited waterfront inventory. For buyers with a long-term mindset, buying in a flood zone can present an opportunity to secure a well-located home that appreciates steadily—especially when properly maintained and insured.

In some cases, homes in flood zones may be more affordable upfront due to insurance perceptions, offering better value per square foot or access to a location that might otherwise be out of budget.

3. Flood Insurance Can Be Affordable

With the Right Conditions

While flood insurance is mandatory for high-risk zones when using a federally backed mortgage, rates are not one-size-fits-all. FEMA’s Risk Rating 2.0 takes into account specific property characteristics, such as:

  • Elevation above the Base Flood Elevation (BFE)

  • Distance from water sources

  • Construction materials and age of the home

  • Prior flood history (if applicable)

Homes that are elevated above BFE or equipped with flood-resistant materials often benefit from lower insurance premiums. In many cases, a home with an Elevation Certificate can see significant savings—making insurance manageable and well worth the protection it provides.

3. Flood Insurance Can Be Affordable With the Right Conditions

While flood insurance is mandatory for high-risk zones when using a federally backed mortgage, rates are not one-size-fits-all. FEMA’s Risk Rating 2.0 takes into account specific property characteristics, such as:

  • Elevation above the Base Flood Elevation (BFE)

  • Distance from water sources

  • Construction materials and age of the home

  • Prior flood history (if applicable)

Homes that are elevated above BFE or equipped with flood-resistant materials often benefit from lower insurance premiums. In many cases, a home with an Elevation Certificate can see significant savings—making insurance manageable and well worth the protection it provides.

4. Flood Zones Encourage Smart, Resilient

Construction

Flood zones in Florida often require newer construction to meet stringent building codes designed to reduce flood risk and improve structural durability. As a result, many homes in these areas are:

  • Elevated on pilings or raised foundations

  • Built with impact-resistant windows and materials

  • Designed with flood vents, reinforced foundations, and proper drainage

These safety measures don’t just protect against water—they also reduce long-term maintenance costs and increase buyer confidence when it’s time to sell.

5. Enhanced Resale Appeal for Water-Lovers and

Investors

Homes near water often appeal to vacation home buyers, retirees, and rental investors. For buyers interested in short-term rental potential, especially in Central Florida’s high-demand tourist corridor, flood zone properties near lakes or coastal areas can generate consistent demand.

As long as insurance requirements are disclosed and factored into pricing, many buyers are willing to pay for the location and lifestyle that comes with waterfront or flood zone real estate.

What to Consider Before Buying in a Flood Zone

While there are clear advantages, buyers should still approach flood zone purchases with awareness. Here’s what to keep in mind:

  • Flood insurance may be required and should be factored into your monthly housing budget.

  • Request a flood insurance quote before making an offer, not after.

  • Always ask the seller for any available Elevation Certificate, existing insurance history, or documented flooding events.

  • Work with a local real estate agent and insurance provider who understand FEMA designations and Risk Rating 2.0.

  • Understand that your mortgage lender will require coverage if you’re financing in Zone A or VE.

Conclusion

Buying in a flood zone is not only manageable—it can be a strategic decision for those seeking location, views, and long-term value. With proper planning, the right insurance, and a knowledgeable team, owning a home in one of Florida’s most desirable areas can be both safe and rewarding.

Explore Florida Real Estate With Confidence

Whether you’re searching for a waterfront home, planning your retirement near the coast, or investing in a vacation property, RE/MAX Heritage is here to help you navigate the process with expert insight.

Our experienced agents understand the local flood zones, insurance implications, and market dynamics across Central Florida. Let us help you find the perfect home with peace of mind.

Schedule a Consultation Today!

Relocating to Florida: Expert Tips

by | Apr 29, 2025 | Blog, Buyers, Mortgages, New Construction, News, Property for Sale in Orlando, Real Estate Components, Renters, Retirement / 55+, Sellers

Discover Your Dream Home in Central Florida

Relocating to Florida: Expert Tips

Relocating can be hard. Discover the best tips to relocate to Florida. With the right guidance you will go through this stress free!

Start Your Search

Relocating to Florida: Expert Tips

Thinking about moving to Florida? You’re not alone. Every year, thousands of individuals, couples, and families relocate to the Sunshine State for its warm weather, no state income tax, vibrant communities, and active lifestyle. Whether you’re moving for retirement, a job, or simply a fresh start, relocating to Florida can be exciting—but it’s important to plan ahead. 

Here are some expert tips to help make your relocation to Florida as smooth and successful as possible. 

 1. Choose the Right Region for Your Lifestyle (Explore more)

Florida is more than just beaches and palm trees. The state offers a wide range of communities, each with its own vibe. Before making the move, think about what matters most to you. 

  • Central Florida (like Four Corners and Clermont): Great for families and retirees, with proximity to Disney, shopping, and healthcare. 
  • South Florida (Miami, Fort Lauderdale): Fast-paced and culturally diverse with beachside living. 
  • Gulf Coast (Tampa, Sarasota, Naples): Laid-back lifestyle with beautiful beaches and a strong retirement community. 
  • North Florida (Jacksonville, Tallahassee): More affordable housing and a blend of Southern charm and Florida sunshine. 

Tip: Spend a weekend visiting potential neighborhoods before you move.

2. Understand the Cost of Living

While Florida has no state income tax, other living expenses can vary depending on location. Housing in some areas has become more competitive, especially in desirable vacation or coastal spots. Consider your overall budget for: 

  • Utilities (especially air conditioning) 
  • Homeowners insurance and flood insurance 
  • HOA fees (if applicable) 

Tip: Talk to a local real estate professional to compare neighborhood costs and avoid surprises.

3. Secure Housing Before You Move

If you’re buying a home, contact a local agent who understands the market. If you’re renting, be aware that rental homes can go quickly—especially in high-demand areas. 

  • Get pre-approved for a mortgage if you’re buying 
  • Understand HOA rules and local zoning laws 

Tip: Many communities in Florida, including 55+ developments, have special amenities and rules—make sure they align with your lifestyle.

4. Be Prepared for the Weather

Florida’s climate is one of its biggest draws, but it comes with unique considerations: 

  • Summers are hot and humid—air conditioning is essential 
  • Hurricane season runs from June to November—insurance and preparedness are key 
  • Sunscreen and hydration are must-haves year-round 

Tip: Consider investing in storm shutters, a generator, or flood insurance depending on your home’s location.

5. Update Legal Documents and Registration

When relocating to Florida, there are several things you’ll need to update shortly after arriving: 

  • Transfer your driver’s license within 30 days 
  • Update voter registration and insurance policies 
  • Establish Florida residency if you’re retiring or moving long-term 

Tip: Keep all personal records, titles, and identification documents handy during your move.

6. Plan for Healthcare Access

Florida is home to many top-rated hospitals and healthcare providers, but access can vary by area. Check for: 

  • Proximity to hospitals, urgent care centers, and specialists 
  • Availability of Medicare-friendly providers (if applicable) 
  • Coverage from your current or new health insurance plan 

Tip: Choose your home based not just on amenities, but also nearby healthcare access—especially if you’re retiring.

7. Make the Most of Florida Living

Once you’re settled in, enjoy all that Florida has to offer: 

  • Year-round outdoor activities like golfing, boating, and biking 
  • A rich variety of restaurants, festivals, and farmer’s markets 
  • Easy access to beaches, natural springs, and theme parks 

Tip: Join a local club or attend community events to quickly meet people and feel at home. 

 

Ready to Relocate? Let RE/MAX Heritage Help 

At RE/MAX Heritage, we specialize in helping individuals and families make a seamless transition to Florida living. Whether you’re moving across the country or from a neighboring state, our experienced team is here to guide you every step of the way. 

Get in Touch With a Professional:

Discover Your Dream Home Today

Connect with RE/MAX Heritage for expert guidance tailored to your unique real estate needs. Our dedicated team is ready to assist you in finding the perfect property in Central Florida. Experience unparalleled service and personalized solutions by reaching out to us now.

Contact Us Now

6 Common Myths About FHA Loans

by | Feb 26, 2025 | Blog, Homeowners, Homes, Villas and Condos, Investment Property in Florida, Just Sold, Local Events, Long Term Rental, Mortgages, New Construction, New Listing, News, Property for Sale, Property for Sale in Orlando, Property Management, Real Estate Components, Real Estate News, Retirement / 55+, Uncategorized, Vacant Lot

6 Common Myths About FHA Loans

As home prices continue to rise, more buyers are considering Federal Housing Administration (FHA) loans to make homeownership more accessible. FHA loans are government-backed mortgages known for their flexible lending criteria, making them a great option for buyers with lower credit scores and smaller down payments. However, misconceptions about FHA loans persist, potentially discouraging buyers from taking advantage of this financing option. Here, we break down six common myths about FHA loans and uncover the truth behind them. 

Myth #1: FHA Loans Are Only for Buyers with Bad Credit 

Truth: While FHA loans allow borrowers with credit scores as low as 500 to apply, they are not limited to those with bad credit. In fact, the average credit score for FHA borrowers is 683, with 80% of applicants having a credit score of 600 or higher (according to 2024 data from Ellie Mae). This means that borrowers with good or even excellent credit can still benefit from FHA loans. 

Myth #2: FHA Loans Are Only for First-Time Home Buyers 

Truth: Although FHA loans are popular among first-time home buyers, they are also available to repeat buyers and individuals with low to moderate incomes. Many homebuyers use FHA loans as an affordable financing option, regardless of whether it’s their first home purchase or not. 

Myth #3: FHA Loans Have Higher Interest Rates 

Truth: Contrary to popular belief, FHA loans often come with competitive interest rates, sometimes even lower than conventional mortgage rates. Borrowers with higher credit scores and larger down payments may qualify for some of the best available rates. It’s essential for buyers to compare both FHA and conventional loan options to find the best fit for their financial situation. 

Myth #4: FHA Loans Take Longer to Close 

Truth: Many assume FHA loans take significantly longer to close than conventional loans. However, data from 2024 Value Penguin shows that FHA and conventional loans take roughly the same amount of time to close—an average of 47 days. The closing timeline depends more on the lender’s efficiency and the buyer’s preparedness rather than the type of loan. 

Myth #5: FHA Loans Can Only Be Used for Single-Family Homes 

Truth: FHA loans are versatile and can be used to purchase a variety of property types, including single-family homes, townhouses, HUD-approved condos, and even multifamily properties (up to four units). The only requirement is that the borrower must use one of the units as their primary residence. 

Myth #6: FHA Loans Have Income Limits 

Truth: Unlike some government-backed loan programs, FHA loans do not have income limits. High-income earners can also qualify, as there are no restrictions on how much a borrower can make to be eligible for an FHA loan. 

 

The Bottom Line 

FHA loans offer flexibility, accessibility, and affordability, making them a valuable option for many buyers. Whether you are a first-time homebuyer or a repeat buyer, these government-backed loans can help you achieve your homeownership goals. 

Before ruling out FHA financing, consult with a mortgage professional to explore your eligibility and compare loan options. Don’t let myths keep you from securing the home loan that’s right for you! 

 For more information visit: Motto Mortgage

Contact an Expert Today!

What to Expect in the Real Estate Market in 2025?

by | Feb 26, 2025 | Blog, Buyers, Homeowners, Homes, Villas and Condos, Investment Property in Florida, Just Sold, Long Term Rental, Mortgages, New Construction, New Listing, New Rental Listings, News, Press Releases, Property for Sale, Property for Sale in Orlando, Property Management, Real Estate Components, Real Estate News, Renters, Retirement / 55+, Sellers, Things to Do in Orlando, Uncategorized, Vacant Lot

7 Home Buyer & Seller Market Trends to Watch in 2025 

7 Key Real Estate Trends to Watch in 2025


As we step into 2025, the real estate market continues to change, bringing both new opportunities and challenges for buyers, sellers, and industry professionals. Based on early forecasts and expert insights, here are seven key trends expected to shape the housing market this year.

1. Home Prices Are Likely to Stabilize

After several years of rapid price increases, home values are expected to stabilize in 2025. While some areas may still see modest growth, buyers could finally see relief from the steep price hikes of recent years.

2. Mortgage Rates May Gradually Decline

As inflation slows and the economy adjusts, mortgage rates could see slight decreases. This shift would make homeownership more affordable, especially for first-time buyers who were previously priced out of the market.

3. More First-Time Buyers May Enter the Market

With better affordability and supportive government programs, first-time buyers may play a bigger role in the housing market. Down payment assistance and low-interest loan options could help more people achieve homeownership.

4. Multigenerational Living Will Keep Growing

The demand for multigenerational homes is expected to remain strong. More families are choosing to live together, either to save money or to provide caregiving support for loved ones.

5. Housing Inventory Will Improve

The supply of homes is predicted to grow as new construction increases and more homeowners decide to sell. This gradual rise in inventory could help balance the market, making it easier for buyers to find homes.

6. More Sellers Will List Their Homes

With market conditions improving, more homeowners may feel confident about selling their properties. A higher number of listings will help create a better balance between supply and demand.

7. Technology and AI Will Transform Home Buying

The real estate industry will continue embracing technology, with artificial intelligence, virtual home tours, and digital transactions making buying and selling more efficient than ever.

What These Trends Mean for You

 

For sellers: More competition means pricing your home strategically will be essential.

For Buyers: More inventory and stable prices could create new opportunities.
For real estate professionals: Using technology and understanding buyer trends will be key to success.
As 2025 unfolds, staying informed about these trends will be essential for making smart real estate decisions. Whether you’re buying, selling, or advising clients, these insights will help you navigate the market with confidence.

Get in touch with an expert!

HOA 101: Everything You Have to Know About HOA’s

by | Feb 26, 2025 | Blog, Buyers, Homeowners, Homes, Villas and Condos, Investment Property in Florida, Just Sold, Local Events, Long Term Rental, Mortgages, New Construction, New Listing, New Rental Listings, News, Press Releases, Property for Sale, Property for Sale in Orlando, Property Management, Real Estate Components, Real Estate News, Renters, Retirement / 55+, Sellers, Testimonials, Things to Do in Orlando, Uncategorized, Vacant Lot

HOA 101: Everything you Haave to Know About HOA’s

HOA Rules 101: Buyers and Sellers Version 

Homeowners’ associations (HOAs) are becoming increasingly common, with over 75.5 million Americans residing in communities governed by these associations. For real estate professionals, understanding the nuances of HOA rules is crucial in guiding buyers and sellers through the transaction process. 

Understanding HOAs and Their Impact on Real Estate Transactions 

What is an HOA? 

A homeowner’s association is a self-governing organization that enforces community rules and collects fees for maintenance and shared amenities. HOAs can enhance property values by ensuring well-maintained common areas and enforcing community standards. However, they also impose restrictions that homeowners must comply with, affecting everything from landscaping choices to rental policies. 

Benefits and Challenges of Living in an HOA Community 

Pros: 

  • Well-maintained neighborhoods 
  • Access to shared amenities such as pools, gyms, and parks 

Cons: 

  • Monthly or annual HOA fees 
  • Restrictions on home modifications 
  • Potential for fines and legal actions for noncompliance 
  1. Common HOA Regulations

HOA rules often cover: 

  • Landscaping: Restrictions on types of plants, maintenance requirements 
  • Home Exteriors: Limitations on paint colors, fencing, and yard decorations 
  • Parking: Rules on vehicle types and guest parking 
  • Rental Policies: Restrictions on short-term and long-term rentals 
  • Pet Regulations: Limits on breed, size, and number of pets 
  1. Legal Limitations of HOAs

 

While HOAs have broad authority…

Their rules must comply with local, state, and federal laws. Certain restrictions, such as those limiting solar panels or political signs, may be unenforceable depending on state laws. Agents should encourage buyers to consult legal professionals if they have concerns about specific regulations. 

Looking for properties with or without HOA?

 

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