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Sergio Palmero | Lifestyle International Realty
A single-family home in a Florida-style suburban neighborhood

Buy in Central Florida

Photo: Wikimedia Commons

Whether this is your first home or your fifth property, buying in Central Florida comes with real choices — new construction or resale, single-family or multi-unit, conventional financing or something more creative. I built my process to walk you through every one of those choices with a clear head, not a sales pitch.

01

First-Time Buyers, Handled Right

Your first purchase sets the tone for everything after it. We'll talk through what you can actually afford, what loan programs fit your situation, and — if it's on the table — how a duplex or small multi-family could put you in a better position than a typical starter home. It's the exact move that turned me into an investor, and I walk clients through it the same way.

02

New Construction vs. Resale

Central Florida has a lot of active new construction — communities like Del Webb, Solara Resort, and Kindred are moving fast. That's a genuinely different buying process than a resale home: different timelines, different negotiation dynamics, and different things to watch in a builder contract. I'll walk you through the honest tradeoffs so you choose with real information.

03

Financing, Including Creative Options

Not every buyer fits a standard 20%-down mortgage, and that's fine. I work with lenders experienced in FHA, VA, seller financing, and other creative structures, so a tighter budget or an unconventional situation doesn't have to keep you out of the market.

04

Buying From Out of State

If you're touring from New York, New Jersey, or anywhere outside Florida, I regularly do live video walkthroughs so you can rule properties in or out before booking a trip — then make the most of an in-person visit with a focused, well-planned itinerary.

Frequently Asked Questions

Do I need 20% down to buy my first home in Central Florida?

No — many first-time buyers use FHA financing with as little as 3.5% down, and other programs exist too. We'll go through what you qualify for before you assume anything is out of reach.

Can a first home also be an investment property?

Often, yes. Buying a duplex or small multi-family and living in one unit while renting the other is a proven way to turn your first purchase into your first investment — it's exactly how I got started.

Is new construction a good option for a first-time buyer?

It can be, especially if low maintenance and modern systems matter to you — but it comes with a longer timeline and less room to negotiate than a resale home. We'll talk through which fits your situation.

Can you help me buy while I'm still living out of state?

Yes. Video walkthroughs, remote document signing, and coordinated in-person trips make it possible to buy confidently in Central Florida without living here yet.

Sergio Palmero, REALTOR® | Orlando Branch Manager

Tell Us What You're Looking For

Ready to make your real estate goals a reality in Central Florida? Let's talk — English or Spanish.

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