Joshua Phillips Realtor

Joshua Phillips Realtor Real estate sales

Let’s make good things happen!
04/17/2025

Let’s make good things happen!

04/16/2025

Let’s talk about what you actually need (money-wise) to buy a home in Florida 👇

1️⃣ YOUR DOWN PAYMENT

For most first-time buyers, you can get started with as little as 3% down.

But here’s the tradeoff:

👉 The lower your down payment, the higher your monthly payment.

Wanna play with the numbers?

Use a mortgage calculator (I like mine!) you can test different price points + down payments.

Then, set a goal that makes sense for your monthly budget.

2️⃣ CLOSING COSTS

These often fly under the radar, but they’re a biggie.

Typically, around 3% of the purchase price.

And nope — this is not included in your down payment.
It covers all the behind-the-scenes stuff: title work, transfer taxes, and other “fun” fees that make the home officially yours

👋 Hi, I’m Amber Rodriguez—a Central Florida local helping first-time homebuyers navigate the mortgage process with clarity, confidence, and strategy.

Follow me for your daily mortgage tips!

04/04/2025

✨ BIG NEWS, FRIENDS! ✨

Interest rates are on the move—and in a GOOD way! The 10-year Treasury is on the verge of breaking below 4%, and while the media hasn’t caught on yet, I’m here to keep you in the know! Over the past few weeks, we’ve seen mortgage rates drop from 7.1% ➡️ 6.9% ➡️ 6.8% ➡️ 6.7% ➡️ now 6.5%!

What does this mean for YOU?
✔️ If you’ve been waiting to buy—NOW might be the time to jump in!
✔️ Already own a home but feeling the pinch? You may be sitting on tens of thousands in equity! A cash-out refinance could help pay off debt, free up cash, or even get you into a new home!

Once rates keep dipping, buyers will flood the market, and home values will rise. Don’t wait until the media catches up—let’s chat NOW about your best move! 📲 DM me or text 863-242-8771—I’m here to help!

03/22/2025

Open house today at 723 New York Ave St. Cloud, Florida 34769! 11-2pm

Open house today from 11-2pm at 723 New York Avenue St. Cloud, Florida 34769. Come check out this beautiful property jus...
03/22/2025

Open house today from 11-2pm at 723 New York Avenue St. Cloud, Florida 34769. Come check out this beautiful property just minutes from East lake Toho and downtown St Cloud.

📍723 New York Avenue St. Cloud, Florida 34769 🔑Open house March 9th 11-2pmThis charming home offers worry-free living wi...
03/07/2025

📍723 New York Avenue St. Cloud, Florida 34769 🔑

Open house March 9th 11-2pm
This charming home offers worry-free living with a spacious 2,154 square feet of beautifully updated space. Inside, enjoy a modern kitchen perfect for culinary adventures, complemented by a new roof, new AC, and new windows that ensure comfort and efficiency. Step outside to discover a spacious backyard, freshly enclosed with a new fence—ideal for privacy, with no HOA fees to worry about! Sitting on a huge .34-acre corner lot perfectly located just down the street from East Lake Tohopekaliga, it’s a dream for boating and fishing enthusiasts, with St. Cloud’s vibrant downtown nearby for shopping and dining. Don’t miss your chance to see this gem—open for viewing on March 9th!

Don't like HOAs? Me neither! Park your toys on this fully fenced-in 0.34-acre lot, located down the street from East Lak...
03/02/2025

Don't like HOAs? Me neither! Park your toys on this fully fenced-in 0.34-acre lot, located down the street from East Lake Toho. Visit the open house today from 11am-2pm at 723 New York Ave, St Cloud, FL 34769.

Open house this Sunday from 11-2pm!
02/28/2025

Open house this Sunday from 11-2pm!

Historic home featuring all the modern upgrades you could want; call me today to learn more!
02/26/2025

Historic home featuring all the modern upgrades you could want; call me today to learn more!

Beautiful day to for an open house! Enjoying this great front porch! 723 New York Avenue St. Cloud Florida 34769. 11-1pm...
02/23/2025

Beautiful day to for an open house! Enjoying this great front porch! 723 New York Avenue St. Cloud Florida 34769. 11-1pm!

Today from 11-1pm. See you there!
02/23/2025

Today from 11-1pm. See you there!

02/20/2025

Exquisite Historic Charm Meets Modern Elegance Step into a piece of St. Cloud's history with this meticulously renovated 1930s gem, where vintage allure blends seamlessly with contemporary luxury. Offering 3 bedrooms and 2 full bathrooms, this expansive home sits on a remarkable 0.34-acre lot in the heart of downtown, providing both privacy and proximity to local attractions.

Address

Davenport, FL

Telephone

+14078449611

Website

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