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Learn about Lending

Categories: Announcements, Blog, News, SeaGate Homes, Uncategorized | Posted: August 23, 2018

Finding a mortgage lender involves more than just getting a good interest rate; you want to work with the best mortgage company for you, staffed by professionals who will guide you through the process. SeaGate Homes has partnered with a variety of lenders to make your decision a little easier.
Each lender on our list was selected for their ability to offer loan programs specifically tailored to each buyer’s needs and because they are familiar with our building processes and are dedicated to the satisfaction of our buyers.

Here are some tips to know before you decide:
  • Know Your Credit Information – Know your credit score and make sure your information is correct. You can get your files free once a year at https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report
  • Gather Key Documents – Make sure you have documentation of your income, employment, IRS filings for at least two years, bank accounts, 401(K) funds and any other assets you may have. It is also helpful to have a rough estimate of your current household expenses.
  • Determine What You Can Afford – You can get a good idea about how much you can afford in advance but using a mortgage calculator like this one https://www.zillow.com/mortgage-calculator/ or by contacting any of our preferred lenders

End Loans (VA, Conventional, FHA)

Construction to Permanent and End Loans

‘Tis the Season . . .For Turtles

Categories: Blog, News, SeaGate Homes | Posted: August 7, 2018

We are now in the middle of Turtle Nesting season, which runs from May 1st to October 31st. According to the Sea Turtle Conservatory, 90% of all sea turtle nesting occurs on Florida beaches.

Flagler county serves as nesting grounds for 5 of the 7 known species of sea turtles; Loggerhead, Leatherback, Green, Hawksbill and the most endangered species of sea turtle the Kemp’s Ridley.

As Flagler county residents, there are plenty of things we can do to ensure this precious cargo makes it to the ocean.

Leave the Beach as you found it

Taking all food and trash with you when you leave not only keeps the beach clean but is discourages animals, such as raccoons, dogs and cats, that may disturb or eat the turtle eggs.

Be sure to knock down any sand castles and fill in any holes that kids or beach chairs and umbrellas may have left. This will ensure a smooth path for hatchlings and mothers alike who may become trapped.

Turn out the Lights

Lights from nearby houses, hotels and campsites can confuse baby turtles who instinctively follow the reflection of the moon on the ocean to find their way to the water.

If you live on or near the beach, any outside lights should be shielded or positioned so they do not shine toward the beach and should be turned off between 9 pm and 5 am. Drapes and/or blinds should also be closed during these times so that light from inside the house does not show.

Avoid using fireworks, flashlights and fires at night. Beverly and Flagler beaches prohibit bon and camping fires at night during nesting season.

Avoid the Dunes

The dunes are sanctuary to many different animals and should be left undisturbed, but this is especially turn during nesting season.

Avoid walking, cycling, parking or driving on the grass or plants on the east side of A1A.

Be sure to use only designated beach access points when visiting the beaches.

Give them Space

Given the right conditions newborn turtles will find their way to the ocean safely. Human interference can do more harm than good in most cases.

When walking on the beach or watching a hatching be sure to keep a 30-foot distance from nests, mothers and hatchlings.

Never disturb a nest or crawling turtle. If you see an unmarked nest or hatchlings, call the Florida Wildlife Conservation Commission Alert number 888-404-3922.

Baby sea turtle crawling on the beach.

Get involved

For more information, find out about turtle walks or to join the local efforts visit the Volusia/Flagler Turtle Patrol. www.turtlepatrol.com