Tomoka Realty Homes & Lifestyles

08/27/2026

The most important step in the home buying process, if you aren't paying cash, is securing a loan. You'll need to shop for a lender, compare loan products and get that all-important loan preapproval letter. Today we'll take a look at how to go about choosing a lender. Myth number 1 The...

08/23/2026

08/19/2026

Mortgage: While the common English translation – a huge chunk of money going out the door every month –strikes fear in every American homeowner, just think how the French must feel. In French, mortgage translates to 'death contract.' That sounds even scarier until you understand that the 'death'...

08/11/2026

The disadvantages of buying fixer-uppers are obvious: they take time and money to make them livable. The advantages, while not as obvious, may just outweigh the disadvantages for certain buyers or in certain types of markets. With a fixer you may just be able to create the home of your dreams instea...

08/03/2026

Are you shut out of the housing market if you don't have a huge chunk of cash to give the lender for a down payment? Believe it or not, zero to low down payment mortgages are still available and there are ways you can get into that home with little cash out of your pocket. No down payment: U.S. Depa...

07/26/2026

Shady spots in the garden don't have to be barren. There are so many plants that will thrive in the shade--probably a lot more than you think-- from perennials to annuals. Gardeners can choose ferns, woodland flowers and luxurious ground covers. Whether your shade garden will be an accent or a focal...

07/22/2026

If your family seems to be sneezing and wheezing more than they should be, suspect a mold problem in the home. Physical symptoms of a mold infestation mimic those of allergies and the flu, with headaches and asthma as common complaints. What is Mold? Molds are micro-organisms that use enzymes to bre...