There’s no place like in PASCO & NORTH HILLSBOROUGH
ICI Homes Opens New Wesley Chapel Models With 2.75% Financing
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ometimes the most difficult of times, such as the challenges presented by COVID-19, also create unexpected opportunities. This is true for buyers of ICI Homes in Pasco and Hillsborough counties. This premium builder has 12 inventory homes available now or in the next few months, including four cottage-style homes in its first Wesley Chapel neighborhood, Persimmon Park. Not only does ICI Homes have a larger than usual inventory of unique one- and two-story homes, it is also selling homes in the high $200s for the first time in Tampa Bay. “We are known as a premier, semi-custom builder, and typically build homes from the $400s to over $1 million. So to come into Wesley Chapel with moderately priced floor plans is very exciting for us, and more importantly for our customers who want our quality and craftsmanship in a smaller, more affordable home,” said Paula Spitler, Tampa sales manager for ICI Homes. Almost as important as the quality and pricing of its homes, ICI Homes also is offering an exceptionally low interest rate of just 2.75% on 30-year mortgages, when using the builder’s preferred lenders. “We call this our buy-down program, because a lower interest allows our buyers to increase their spending power, and more quickly build equity in their homes,” said Spitler. “There are only a limited number of these special loans being allocated across our 20-plus communities
The two-story Primrose model is light and bright with lots of windows and exemplifies Florida’s casual lifestyle.
in Florida, so please don’t wait. It’s first-come, first-served, and once these loans are gone, they’re gone,” said Spitler. Many families are drawn to Persimmon Park because of its desirable Wesley Chapel location, and also because its students are zoned to the area’s highest rated schools — Wiregrass Elementary, Dr. John Long Middle and Wiregrass Ranch High. “One of Persimmon Park’s biggest draws is the schools our students are zoned to attend,” said Spitler. “We have families moving from nearby subdivisions, such as Seven Oaks, that were recently rezoned to other schools. Many families want to keep their children enrolled in the schools they have traditionally attended or have been assigned to attend.” Persimmon Park is located within
the master-planned development of Wiregrass Ranch —located off Bruce B. Downs and Chancey Road, directly behind The Shops at Wiregrass and AdventHealth Wesley Chapel. Wiregrass Ranch is a 5,000-acre, walkable community with trails that lead to parks, schools, entertainment, recreation and top-notch medical facilities. Persimmon Park is Wiregrass Ranch’s newest new home community, with ICI Homes committed to building 97 homes in this unique subdivision. “Persimmon Park gives our residents immediate access to all that Wiregrass Ranch and Wesley Chapel have to offer,” said Spitler. “Plus, our amenities are everything a family wants without going overboard — a unique T-shaped pool and cabana, outdoor grilling, interconnecting
trails, and dog parks for small and large breeds.” ICI Homes is introducing its first neo-traditional homes in Persimmon Park, featuring open floor plans with front porches, and garages at the back of the home. The first phase has 40 homes on 40-foot home sites, and ICI is premiering five new floor plans with prices beginning at $292,900. “Light and bright with lots of windows,” is how Spitler describes these floor plans, having a cottage look and feel that are open, airy, and exemplifies Florida’s casual lifestyle. “These homes have been designed for people wanting to simplify their life, who want less square footage to clean and maintain, yet want all the upscale finishes and details offered by ICI Homes,” said Spitler. Two beautifully furnished model homes are available for tour at Persimmon Park. “Families love the rear-load design because it gives the home a very nice front elevation with no garage blocking the home’s curb appeal,” said Spitler. “Plus, rear garages make for easier access to the kitchen when it’s time to unload groceries, and also creates more backyard privacy with covered breezeways and summer kitchens.” Model homes are open daily for tour, with or without an appointment. Sales staff strictly follow COVID-19 safety protocols and always make sure families tour models by themselves, without other people in the model. Families also can tour the homes virtually, via video, at icihomes.com.
Imagination. Customization. Innnovation.
SHO OWCASE HOMES
ore Information call (813) 252-1108 8 For Mo or visit www.ICIHomes.com
Primrosse — 3568 Velve et Apple St St. 4 Bed / 3 Bath / 2 Car / 2,434 sq. ft.
Magnolia — 3560 Velvet Apple St St. 3 Bed / 2.5 Ba ath / 2 Car / 2,026 ft²
$ $441,631 ,63
$ 98,322 $3 ,
Lantan na — 3552 Velve et Apple St St. 3 Bed / 2 Bath / 2 Car / 1,793 sq. ft.
Jasmine — 35 544 Velvet Apple e St. St 3 Bed / 2 Bath / 2 Car / 1,552 sq. ft.
$382,609 9
$3 353,740
Ask u about s o curren ur incen t tive!
Prices and offerings are subject to change. See a Sales Associate for details. Interve est Construction of Tampa, LLC 2660 Cypress Ridge Blvd, Suite 104, Wesley y Chapel, FL 33544 / CBC# 126 62235
A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM
April 29, 2020
Home is W Where The T Hea Heart art Is WHERE LAUGHTER IS SHARED, MEMORIES BEGIN AND HEARTSTRINGS ARE FOREVER JOINED TOGETHER. DISCO OV VER SMALL TOWN AMERICA AT AV AVALON PA PARK WESLEY CHAPEL,, WHERE YOUR FAMILLY Y WILL LIVE,, LEARN, WORK AND PLA AY Y.
… At Avaalon Park Wesley Chapel • Classic homes rich in design and skillfully crafted d parks, tree-lined streets and wide front porches • Neighborhood • Tr Traditional dow wntown with shops, restaurants and offfiices • Tr Trails connectiing neighborhoods to downtown • New homes frrom the low $200s to over $400s • Resort-style am menity centers with pools, wo workout areas, tot lots and splash pad • We Wesley Chapel schools, including on-site elementary school c school at community entrance • K-8 Pinecrest charter
LIVE THE LIF FE YOUR F FA AMILLY Y HAS ALLW WAYS IMAGINED IN OUR CHAR RMING COMMUNITY Y, AND ENJOY ALL THE CONVENIEN NCES OF MODERN LIVING.
MODEL BY APPOINTMENT ONLLY Y – CA CALL 813 3-422-5549 TO PLAN YOUR VISIT TODA AY Y!
ONLLY THE CYPRESS POINTTE MODEL HOME REMAINS 5320 Little Stream Lane Wesley Chapel, 33545 (813) 422-5549 Beazer.com/tampa-FL/avalon-pa ark-west
This stunning 3 bedrroom, 2.5 bathroom, 2 254 d l hhome is 2,254 4 sq. ftft. model i lloaded d d with ith ddessigner i upgrades and features a private pool.
Schedule a tour today!
MODELS OPEN - SU UN-MON NOO ON TO 6 • TUES TO SA AT T 10 TO 6 Now Selling g in horn Hawth Villag ge
BENNET
ARDEN
5227 Little Stream Lane – 1,601 sq. ft. Summer 2020
5177 Sea Mist Lane – 1,995 sq. ft. f Summer 2020
$259,900
$278,205
3 bedrooms,, 2 baths,, 2-car gara age
3 bedrooms,, 2.5 baths,, 2-car garage
5216 Autumn A Ridge R Drive Wesley Chapeel, 33545 (844) 382 2-8201 www w.Av .AvexHo omes.com
TOW WNHOMES – APRIL A MOVE-IN N
Three Floorplans – 1,608 to 1,834 4 sq. ft.. • $233,,144 to $256,548
Avalon Park We Wesley Chapel is conveniently located 3.5 miles East of I-75 on SR 54. 33613 SR 54, Wesley Chapel, FL 33543
April 29, 2020
Fo or more information on this and other even nts,, visit AvalonParkWesleyChapel.com y p or call 813-783-1515
A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM
Beautiful inventory townhomes are now available at Avalon Park Wesley Chapel. Every home has a two-car garage, and all feature unique architectural elements, including front porches, sweeping kitchen islands, covered breezeways and grass courtyards.
Every Townhome Has A 2-Car Garage At Avalon Park Wesley Chapel
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aintenance free townhomes with two-car garages in the rear with a private alley are now open for tour and purchase at Avalon Park Wesley Chapel. “Our townhomes are beautifully designed with upscale custom finishes, and offer buyers a tremendous value for the Wesley Chapel area,” said Cheryl Gonzalez, sales representative for Avex Homes. “Plus, every home comes with a two-car garage — something you rarely find in townhomes that begin at $225,000.” Three floor plans are available, ranging from 1,608 square feet to 1,834 square feet, each with 3 bedrooms and 2.5 baths. Homes are solidly built with families in mind, and rich in architectural design with distinctive exteriors and open floor plans. Each home has a front porch, covered lanai or private breezeway that connects to the garage. “Buyers love our townhomes’ cozy feel and old-fashioned, traditional look,” said Gonzalez. “People always comment on how spacious they feel because of our open floor plans and standard 9-foot ceilings on both the first and second floors.” Homebuyers can upgrade their home’s finishes to their individual lifestyle and design preferences — from moving electrical outlets, to upgrading cabinets and flooring, to choosing colors that best show off their individual taste. The most popular upgrades are quartz countertops and luxury vinyl flooring. “Folks really appreciate that they can select the finishes they want, including flooring, cabinetry, countertops and lighting,” said Gonzalez. “Unlike most townhomes in this price range, our buyers can choose the colors and finishes that are best for them. These are not cookie-cutter homes.” Families also choose the townhome lifestyle because it offers carefree, maintenance-free living. “Our HOA covers all exterior painting and maintenance, including the roof, and all lawn and landscaping services,” said Gonzalez. “People are busy and love not having to worry about these chores.” The first five Avalon Park Wesley Chapel townhomes have recently been completed, and three are available now as inventory homes. A second building with six townhomes is underway, with completion and move-ins planned for the end of the year. Avex Homes and Beazer Homes are builders in Avalon Park Wesley Chapel, a 1,650-acre master-planned community located on State Road 54, three miles east of I-75. In addi-
The kitchen in the Bellevue boasts premium white cabinets and a large kitchen island with quartz countertops.
3 Inventory Homes Cambridge: 1,608 sq. ft., with 3 bedrooms and 2.5 baths. Tile floors, two-tone expresso cabinets, private lanai, huge master suite. $233,144 (base price $224,990) Montgomery: 1,834 sq. ft., with 3 bedrooms and 2.5 baths. Front porch, flex room/den, large island kitchen, tile floors, grass courtyard. Two units available. $234,190 and $248,581 (base price $238,990) Bellevue: 1,820 sq. ft., with 3 bedrooms and 2.5 baths, end unit, master on first floor. Premium white cabinets, large kitchen island with quartz countertop, luxury vinyl flooring, private breezeway/lanai, huge master suite. Large loft upstairs with 2 bedrooms, and bath with double vanities. (base price $243,990)
tion to its new townhomes, Avex Homes also builds single-family homes in the development’s two neighborhoods — Cypress Village and Hawthorne Village. “It is very rewarding to offer local residents affordable homes for firsttime homebuyers, as well as luxurious, move-up homes for families wanting a larger home in a community like ours that offers great schools and so much to do,” said Stephanie Lerret, senior vice president of marketing for Avalon Park Group. Single-family homes in Avalon Park Wesley Chapel start in the mid$200s, and are built on a variety of
lot styles, including conservation, corner and pond view. Avex Homes currently is selling its model home the original Cypress Village, and has four inventory homes that will be ready this summer in its new Hawthorne Village. “There is still time to make your personal design and color selection on these inventory homes, if you move fast,” said Gonzalez. Already, 1,500 people call Avalon Park Wesley Chapel home, and over 800 homes have been sold since it opened in 2012. The community will continue to grow over the next several years and, at build out, will be home to 10,000 residents residing in 4,400 single and multifamily homes. Avex Homes is open daily for tour, with or without an appointment. Sales staff strictly follow COVID-19 safety protocols and always make sure families tour models by themselves, without other people in the model. For more information, stop by the model center at 5216 Autumn Ridge Drive, Wesley Chapel, 33545. To schedule an appointment, call Todd Simon at (407) 590-3501.
AMENITIES AND SCHOOLS
Families enjoy an array of amenities at Avalon Park Wesley Chapel. This includes a recently opened second amenity center with a zero-entry pool, splash pad, spa and picnic area. Other amenities include the original swimming pool, tot lot, basketball courts, pocket parks with mini-libraries, dog park, and trails and walkways that will interconnect with the community’s downtown. Nearing completion is a new
charter school at the community’ entrance, Pinecrest Academy Wesley Chapel, which will open for the 2020-2021 school year with 650 students in kindergarten through sixth grade. Pinecrest Wesley Chapel will offer a core curriculum of English/language arts, mathematics, social science, science and electives, such as performing and fine arts, and world languages. For more information, go to the website, PinecrestWesleyChapel.com.
DOWNTOWN CENTER
Avalon Park Wesley Chapel also will offer residents places to shop and work when its downtown center is completed. Infrastructure construction has begun on the first phase, which will include two office buildings, two mixed use retail/residential buildings and a community park. “We will be building beautiful, multi-story buildings with commercial space designed for businesses our residents want close to home — restaurants, bakeries, coffee shops, bars and entertainment, hair and nail salons, as well as activities like dance, gymnastic and karate studios,” said Lerret. In addition to shops and markets, the community’s downtown area will have over 500,000 square feet of commercial space. “We are not just developers— we are building a brand new town with family events all year-long,” said Lerret. “We’re bringing together everything a family needs to enjoy life today, and in the future.”
A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM
April 29, 2020
New Daikin Fit HVAC System Offers Maximum Comfort
Cornerstone Pros is the area’s exclusive Daikin dealer
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ith so many people working from home due to COVID-19, and the hot summer months quickly approaching, the need for a dependable and efficient air conditioning system has never been more important. “We strongly recommend that you call now for your spring service and maintenance, and to get information and quotes if you’re considering replacing an older system,” said Gary Beurmann, air conditioning manager at Cornerstone Pros in Land O’ Lakes. “If you call now, we can schedule an appointment and get you prepared for the hottest months of the year.” The trade services provided by Cornerstone Pros — air conditioning, plumbing and electrical — are all essential services that remain open during the Stay At Home order from Gov. Ron DeSantis. “Our crews are working, and we’ve adopted COVID-19 safety protocols to protect customers and employees,” said Dana Spears, president of Cornerstone Pros. “Because our em-
Elevated COVID-19 Safety Procedures
DAIKIN FIT UNIQUE ADVANTAGES
“Because our employees wear extra safety gear, and most of our work is performed outside or in remote areas of a home, we greatly limit exposure for everyone.” —Dana Spears, Cornerstone president
ployees wear extra safety gear, and most of our work is performed outside or in remote areas of a home, we greatly limit exposure for everyone.” With afternoon temperatures already in the 90s, A/C services are very much in demand right now. “Many families are upgrading their A/C system, either because their existing unit is unreliable and is costing too much to maintain, or their unit is inefficient and uses an in-
creasing amount of energy that results in hundreds of dollars in utility bills. Plus, we have great financing terms and rebates to offer from Daikin and utility companies,” said Spears. “Your air conditioning system is an appliance, just like your refrigerator, and does not last forever,” said Beurmann. “But, before we recommend that an A/C system be replaced, my team of over 20 techni-
1. HOME FEELS COOLER
quiet, you can be standing right next to it and wonder if the unit is even running — it’s that quiet,” said Beurmann.
Cornerstone is an Elite Daikin Fit dealer that offers local homeowners one of the best A/C systems ever made. Available only since February, the Daikin Fit features exceptionally cool comfort, a small footprint and high Gary Beurmann energy efficiency ratings. Gary Beurmann, A/C service manager at Cornerstone Pros, explains the many advantages of a Daikin Fit system.
Your home will feel cooler and more comfortable because the system is highly effective at maintaining desired humidity levels because of its invertor/smart system technology.
2. HALF THE SIZE
The outdoor unit is half the size of a traditional condenser, which makes it perfect for pool and patios areas, allowing more space for outdoor living. It is also great for homes with narrow lot lines.
3. EXCEPTIONALLY QUIET
It is so quiet that it can be installed outside a bedroom window and not be heard inside. “It is so
4. ENERGY EFFICIENT
The Daikin Fit has an energy efficiency rating of 16 SEER and above, which means it consumes less energy to cool your home.
5. AFFORDABILITY
Until now, A/C systems with inverter technology were very costly. Pricing on the Daikin Fit allows homeowners to get the best invertor technology on the market at a price comparable to lower competitor two-stage systems.
cians and installers give customers several options to consider, with realistic costs and expectations.” Beurmann explains that sometimes replacement is the best solution if an A/C is out of warranty, and the cost to repair it is better spent on a new system. “In addition, an energy-efficient new unit typically saves a family hundreds of dollars a year in lower utility costs.” Beurmann adds that his team is all paid hourly, so customers never have a 100% commission tech pressuring for sales of new or upgraded A/C systems. “Our only motive is to do what is best for our customers,” he says. Call (813) 990-0561 anytime, day or night. For more information, visit their website at CornerstonePros.com.
6. TECH CONVENIENCES
The Daikin Fit has all the bells and whistles – including Wi-Fi connectivity and thermostat controls that are accessible from your phone, pad and laptop. Daikin's super-intelligent, user-friendly system controllers allow you to orchestrate and monitor mode, temperature, time, airflow volume and more across your entire system, at the touch of button.
7. 12-YEAR FACTORY WARRANTY
The Daikin Fit is covered by one of the best warranties in the industry, with a 12-year parts and labor warranty included in the price of the unit.
Advantage Real Estate Services
Imagine the value and enjoyment a new kitcchhen will bring to your home….
is a full service real estate company representing both buyers and sellers of residential and commercial property primarily in Pasco, Hernando and Hillsborough counties. Inventory is EXTREMELY low. If you are thinking about selling your home, please contact us for a free market analysis.
Then let us bring your vision to life!
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c n Light and bright 3 bedroom 2 Pe bath 1,260 sq ft home in Trillium. Perfect starter home or for someone looking to downsize. Highly desirable floorplan with large kitchen, dining area and spacious family room. The fenced in backyard will not disappoint! Take time to relax on your large open patio, enjoy the peaceful setting and no rear neighbors. Priced at $165,000.
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Just sold this beautiful NEW CONSTRUCTION home located in Talavera on US 41 just north of SR 52. This 4 bedroom, 2 bath home has 2,112 sq ft and 2 car garage. Sold Price $250,760
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A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM
Why Mortgage Rates Have Been On A Roller Coaster By Gilbert Bennett My Easy Mortgage, LLC Licensed Mortgage Loan Originator Certified Military Loan Specialist
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s a mortgage company, we receive a lot of inquiries regarding mortgage rates, refinancing and, most recently, “about that 0% mortgage the FED is offering.” Sadly, there is no 0% mortgage, and the FED doesn’t set mortgage rates. But, people should still inquire as to whether they have an opportunity for savings. What has happened over the last 45 days is a literal roller coaster in both mortgage rates and mortgage qualification requirements. What caused this see-saw? Earlier this year financial markets and investors started to get concerned about the global impact of COVID-19. This caused investors to move to “safer” investments, such as U.S. Treasuries and MortgageBacked Securities (MBS). The resulting demand for MBS created a drop in mortgage rates to “the lowest level in its nearly 50-year history,” according to Freddie Mac’s chief economist. The seven days between Feb. 26 and Mar. 4 were the busiest days in the business for just about every mortgage professional I know. And, the weeks following the resulting massive spike in applications also saw a huge spike in mortgage rates. In some cases, mortgage rates changed up to 2% in a single day for consumers! While the causes are complicated, the two major reasons why we saw this volatility was because lenders were unprepared for the huge spike in loan volume, and consequently had to increase rates to SLOW DOWN applications, so they could catch up. The underlying MBS was changing rapidly, and there was a glut of product being offered, which lowered the value of the individual
offerings (supply and demand). A number of lenders stopped accepting refinance applications altogether, as they focused on a more sustainable “purchase money mortgage” business model. The concerns related to COVID-19 expanded as businesses started to close down and workers were laid off due to government mandates related to social distancing. Investors had new concerns as they worried about how mortgage payments would be made when homeowners didn’t have jobs. Financial markets in the U.S. started to crash, and so the Federal Reserve Bank (FED) jumped in with an influx of liquidity and a couple of reductions to the federal funds rate. A second wave of refinance inquiries hit as borrowers called their loan officers again about taking advantage of this 0% FED rate being offered.
Service Lik e N o O t h e r , dedicated to your
It was left to loan offices to explain that the federal funds rate is the rate at which the FED lends short-term funds to banks. Mortgage rates were actually still on the rise after those announcements, because with so many loans being refinanced, the value of servicing rights that lenders earn started to shrink drastically, and they realized they wouldn’t hit their break-even point on an increasing percentage of their holdings. The mortgage market, as a whole, has seen a number of changes due to the impacts of the coronavirus. There has been a major tightening of requirements as secondary markets have dried up, or set significantly more restrictive requirements lending requirements. This tightening caused many wellestablished lenders to stop accepting new loan applications, some other to cancel loans that were in process
prior to funding them, and others to close their doors entirely. The impact was, and is wide-reaching, including some Florida-based banks and credit unions. While the impacts of COVID-19 are still creating change in the mortgage industry, there is an opportunity for borrowers who can meet updated requirements like multiple checks to verify employment and requiring clients to certify that their income/earnings have not been impacted. Borrowers with lower credit scores also have more requirements placed on them, as lenders are adding guideline requirements to government-insured loans (FHA, VA and USDA). In 2019, there were significant reductions to the cost of mortgage insurance, so if your loan still has mortgage insurance and your rate is in the high 3% to 4%, you might still save significantly by refinancing your mortgage. Mortgage rates are stabilizing, and while not as low as they were back in late February, there is a major opportunity for individuals to save, including some ridiculously low mortgage rates on 15-year loans. These are the kind of rates that may not be available again. So, if you are interested in a new or refinanced mortgage, reach out to a mortgage broker who will shop the markets for you. Generally, you’ll find that an experienced mortgage broker has more options available to you than your local bank, because of their independence and desire to ensure you get the best mortgage for your situation.
Cal l Today ion t ti for a Free Consulta Gilbert Bennett Mor tgage Loan Orriginator
(813) 513-9846 Gilbert@MyEasyMortgage.com myeasymor tgage.com/team/gilber t-bennett
NML S #1177528
homeownership dream Gilber t Bennett has ovveer a decade of Real Esttatee Experience, as a homeowner wn r,, landlord, rd prro opeer ty manager and lenderr.. He specializes in helpin ng Veterans understand and utilize their V Ve VA A ŞūƑ ƥƥij ijîijĚ ċĚŠĚǶƥƥƙƙɍ O OĚĚ îƎ ƎƎ ƎƑƑū ūîČČĺ ĺĚƙ ŕŕū ūîŠ situations creativ re veely and as a broker roker,, has a wide assor tment tm of lenders to ensure ree he can ǶŠ Ƕ Šē ƥƥĺ ĺĚ ċĚƙƥ ƎƑƑū ūē ēƭ ƭČƥ IJIJū ūƑ ĚîČČĺ ĺ ĿĿŠ Šē ēĿĿDŽĿē DŽĿĿē ēƭ ƭîŕ ČŕĿ ČŕŕĿĿĚĚŠ Šƥɍ
#brokersar ro re ebettte er
All loans funded through wh holesale relationships. My Easy Mortgage, LL LC is a mortgage brokerr.. Interest rates and otther program specifics could change at any time and are subject to your ability to qualify for this progrram. There are no guarantees that you will qualify for this program. 19028 Geraci Road, Lutz, FL 33458| MyEasyMortgage.com | (813) 505-7830 CO NMLS #1341274 | NM MLS #336024 | Find us on the NMLS at nm mlsconsumeraccess.org
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Interest rates are very low, giving you more ore buying power. Call mee now and find out how w.. Alison Lucieen | 910-526-3873 | 813-618-5040 AlisonInSunnyT Ta ampa.com
April ril Barra r REALLTOR®
813-404-7992 15802 Amberly Drrive, Tampa, FL 33647 AprilBarraRealEsta ate@gmail.com www.AprilBarraRe ealEstate.com @AprilBarraRea alEstate
WESLEY CHA APEL | LAND O’ LAKES | NEW TA TAMPPA A
A SPECIAL ADVERTISING SECTION IN THE LAKER/LUTZ NEWS • 813-909-2800 • LAKERLUTZNEWS.COM
April 29, 2020