Viv Garza, Realtor

Viv Garza, Realtor Serving 𝐂𝐞𝐧𝐭𝐫𝐚𝐥 𝐅𝐥𝐨𝐫𝐢𝐝𝐚 🌴 Bilingual
📍Tampa Bay ⇄ Orlando & In between
🏡Buy • Sell • Relocate • Invest
📲 Call/Text 863-838-9255

Under contract. If you’re considering a move this year, I’d be happy to help 📲
06/03/2026

Under contract. If you’re considering a move this year, I’d be happy to help 📲

05/16/2026

Brand-new Hulbert Homes build in Clubhouse Hills ✨

4 Bedrooms | 3 Bathrooms | 2,623 Sq Ft

Modern finishes, an open-concept layout, quartz countertops, and an incredible indoor-outdoor living space — this South Lakeland home truly has it all. 🏡

📍South Lakeland, FL
DM me for more details or to schedule a private showing!

Follow me for more homes around Lakeland Florida!

04/20/2026

Fully remodeled farmhouse style home on an oversized lot & No HOA = more freedom🏡✨

📍495 W Plumosa St, Bartow

Over $110K in upgrades including:
✔️ New roof & AC (2022)
✔️ Renovated kitchen + bathroom
✔️ New flooring, lighting & finishes
✔️ Double insulated attic = energy savings 💡

Plus your own backyard orchard (Fruit trees) 🌳🍒🥑🍋

📲 Vivian Garza | Keller Williams Realty Smart
Message me for details or a showing

03/21/2026

Here’s how people go house poor in 2026 👇🏽

• Buying at the top of your pre-approval
Just because you’re approved for $650K doesn’t mean you should spend it, especially with Florida insurance + taxes.

• Underestimating the real monthly payment
Your payment isn’t just principal + interest.
It’s property taxes, rising insurance premiums, flood zones, HOA/condo fees, and sometimes PMI.
That can easily add $500-$1,000+/ month.

• Draining savings to close
Then life happens...
HVAC goes out in August (you already know fg), roof issues, plumbing surprises.
Now it’s going on a credit card.

• Waiving inspections to “win”
You didn’t win, you just inherited someone else’s deferred maintenance.

• Buying emotionally instead of financially
Falling in love with the finishes but ignoring that the payment is eating half your income.

Here’s what I tell my buyers instead: 👇🏽

• Keep your monthly housing cost around ~28% of your income

• Budget for the full payment - not just what the lender shows you

• Have 3-6 months of reserves AFTER closing

• Always get an inspection (yes, even in a competitive market)
Because in this market, it’s not just about purchase price.
Taxes, insurance, and interest rate = your real payment.
And in Florida... those numbers matter more than ever.

You don’t need to be house poor to become a homeowner.
You just need the right strategy and the right realtor.
If you’re thinking about buying, I’ve got you, DM me “HOME” and let’s build a plan that makes sense.

03/16/2026

The people who build real wealth through real estate usually don’t wait for the perfect home. They buy what they can afford, let equity do its job, and trade up when the time is right.

Your starter home isn’t your forever home, it’s your first strategic move. As you pay down your mortgage and your home value grows, you build equity that can help you upgrade into your next home or invest in the future.

Most homeowners you see in their dream home today didn’t start there. They started with their first step and let real estate work for them over time.

If you’ve been thinking about buying but aren’t sure where to start, I can help guide you through the process.

📩 DM me “START” and I’ll send you my Florida Buyers Guide to help you take the first step. 🏡✨

There’s nothing more rewarding than helping close friends go from renting to owning a home they fell in love with. 🏡❤️🏡 ...
03/06/2026

There’s nothing more rewarding than helping close friends go from renting to owning a home they fell in love with. 🏡❤️🏡

This is the start of a beautiful new journey in their lives,& being part of such a big milestone in someone’s life is truly humbling. Cheers to new beginnings and new memories in their new home!

Who’s next? 👀

Another one UNDER CONTRACT 🏡✨It’s the beginning of the year and people are already stepping into new homes.What are you ...
02/10/2026

Another one UNDER CONTRACT 🏡✨
It’s the beginning of the year and people are already stepping into new homes.
What are you waiting for?
Let’s make this your year to move 📩

The hardest and longest transaction to date, but so incredibly worth it. 🏡I was determined to get my clients into the ho...
02/09/2026

The hardest and longest transaction to date, but so incredibly worth it. 🏡
I was determined to get my clients into the home their whole family fell in love with, and made it happen. This one took grit, patience, and a LOT of negotiating, all to protect my clients and put them in the best position possible.

Seeing this family finally close on their long-overdue new build and start a new chapter fills my heart. This is why I do what I do. 🤍

01/21/2026

I truly want the best for my clients 🤗🤭💕

01/08/2026

2026 is setting up to be a strategic year for homeowners 👀

Buyer demand isn’t going anywhere, and timing your move right could open the door to your next chapter.

If you’ve been thinking about selling, let’s talk strategy and I’ll help you map it out. 📧

Address

218 E Pine Street
Lakeland, FL

Telephone

+18638389255

Website

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