Gina Carbonaro - Realtor

15/06/2026

🏡 Thinking About Buying a Home? Start with a Plan!

One of the biggest mistakes homebuyers make is looking at homes before knowing what they can comfortably afford or qualify for. It's easy to fall in love with a home, only to discover it's outside your budget.

Before you start house hunting, take these important first steps:

✅ Review your finances
✅ Get pre-approved with a lender
✅ Determine a comfortable monthly payment
✅ Understand your buying power
✅ Create a list of must-haves and nice-to-haves

Knowing your budget from the start can save you time, reduce stress, and help you focus on homes that truly fit your needs.

If you're thinking about buying a home, I'd be happy to help guide you through the process and connect you with trusted lending professionals to get started.

📩 Reach out anytime with questions—I'm here to help make your home-buying journey a success!

11/06/2026

Did you know I can create a FREE custom home search just for you? 🏡
If you're thinking about buying a home, whether it's new construction or resale, let me help!

Having a dedicated advocate on your side makes all the difference.

✅ No upfront costs to you

✅ I don’t get paid unless we find your perfect home!

Ready to get started?

Tap the link below and I’ll take care of the rest!
👉 https://form.jotform.com/Carbonaro_Gina/your-home-buying-journey-starts-her

Let’s find your dream home! ✨

Please click the link to complete this form.

09/06/2026

Have You Heard This Yet?!

The Florida Legislature just passed a HUGE proposed constitutional amendment for the Homestead Exemption… and it could mean massive property tax savings for homeowners here in Florida! 😱💰

03/05/2026

Come check out this beautiful listing!
Plenty of space with access to the amazing Epperson Lagoon!
Contact me for more details!

27/04/2026

Looking forward to hosting an open house on this stunning home in the highly sought-after Epperson Lagoon community, but here’s the thing… it may not last that long 👀

If you’ve had your eye on lagoon living, this is your chance. Homes like this are getting scooped up FAST, and this one truly stands out.

Want a private tour before the crowd? Message me and let’s get you in early 🏡✨

07/03/2026

Are you thinking you don’t need a Realtor when purchasing new construction? Think again!

Not only was I able to get the builder to contribute toward closing costs, but I also negotiated over $100K off the purchase price for my buyers.

While new construction builders often advertise great incentives, it’s important to remember that their sales representatives work for the builder. Having your own Realtor ensures you have someone advocating for your best interests, helping protect you throughout the process while working to secure the best possible deal.

Congratulations to my buyers on their beautiful new home in an amazing community!

23/02/2026

31/01/2026

Dive into the world of homeownership with zero down! 🏡💰
Explore these loan programs and assistance options that make buying a home accessible without the need for a down payment.

1. VA Loans: If you are a qualified military service member, veteran, or eligible spouse, you may be eligible for a VA loan guaranteed by the U.S. Department of Veterans Affairs. VA loans often offer competitive interest rates and do not require a down payment.

2. USDA Loans: The U.S. Department of Agriculture (USDA) offers loans through its Rural Development program to eligible rural and suburban homebuyers. USDA loans typically do not require a down payment and offer low-interest rates to qualified borrowers.

3. Down Payment Assistance Programs: Many state and local governments, as well as nonprofit organizations and housing agencies, offer down payment assistance programs to help homebuyers with upfront costs. These programs may provide grants, forgivable loans, or low-interest loans that can be used toward a down payment.

4. First-Time Homebuyer Programs: Some lenders and government agencies offer special mortgage programs specifically designed for first-time homebuyers. These programs may offer low down payment options or assistance with closing costs to help make homeownership more accessible.

Be sure to work with a knowledgeable lender who can guide you through the process and help you explore all available options for purchasing a home with zero percent down!

30/01/2026

Are you navigating the mortgage process? Steer clear of these common missteps to keep your path to homeownership smooth and stress-free:

1️⃣ Neglecting Your Credit Score: Your score impacts your rate. Check your report early and work on improving your score by paying down debt and making timely payments.
2️⃣ Underestimating the Total Costs: It’s more than just a down payment. Budget for closing costs, insurance, and upkeep.
3️⃣ Skipping Pre-Approval: A pre-approval makes your offer stronger and shows sellers you're ready to buy.
4️⃣ Stretching Your Budget Too Thin: Stay comfortably within your means and leave room for unexpected costs.
5️⃣ Making Big Purchases Before Closing: Hold off on large expenses that could impact your credit or debt ratio.

🏡 Smart moves now lead to a smoother closing later. Have questions about the mortgage process? Let’s connect!