The Villages: What To Know Before You Go
If you’ve spent any time exploring Central Florida, you’ve likely heard of The Villages—a vibrant, master-planned community known for its active lifestyle, resort-style amenities, and strong sense of community.
With our mortgage lending team recently opening a location in The Villages, FL, we’re excited to help new and future residents navigate the home financing process in one of Florida’s most unique real estate markets.
Whether you’re retiring, relocating, or investing, here’s what you should know about living—and buying a home—in The Villages.
Where Are The Villages?
The Villages is located in Central Florida, spanning Sumter, Lake, and Marion counties, about an hour northwest of Orlando. Its location offers a quieter pace of life while still providing access to major airports, healthcare facilities, shopping, and attractions.
Residents enjoy:
Easy access to Orlando International Airport
Proximity to Florida’s Gulf and Atlantic coasts
Warm weather year-round
Lower property taxes compared to many northern states
A Lifestyle Built Around Community
The Villages isn’t just a neighborhood—it’s a lifestyle destination. Designed primarily for active adults, the community offers:
50+ golf courses
Dozens of recreation centers and pools
Live entertainment in town squares every night
3,000+ clubs and interest groups
Golf carts aren’t just a novelty here—they’re a primary mode of transportation. Many residents rarely need a traditional vehicle for day-to-day activities.
Real Estate in The Villages
Housing options range from patio villas and designer homes to custom estate properties. Prices vary depending on size, upgrades, golf course views, and proximity to town squares.
What makes this market unique?
High demand from out-of-state buyers
Many cash purchases—but financing remains common
HOA and amenity fees to factor into monthly costs
Resale homes and new construction opportunities
Because so many buyers relocate from other states, working with a local mortgage lender who understands Florida property taxes, insurance requirements, and community fees is essential.
Financing a Home in The Villages
As a mortgage lender with a newly opened location here, we understand the specific needs of buyers in this community.
Common financing scenarios include:
1. Retirement Purchases
Many buyers are transitioning from higher-cost states and may:
Pay cash
Use proceeds from a previous home sale
Secure a conventional mortgage for flexibility
2. Second Homes
Some buyers purchase a second home before fully retiring. Financing options differ slightly from primary residences, so structuring the loan correctly is key.
3. Investment Properties
While The Villages is primarily owner-occupied, some properties are rented seasonally. Loan programs vary depending on occupancy type.
4. Jumbo Loans
Higher-end homes may require jumbo financing. Having local underwriting expertise can streamline approval.
Cost of Living Considerations
While Florida has no state income tax, homeowners should budget for:
Property taxes
Homeowners insurance
Amenity fees
HOA dues
Bond payments (for certain properties)
A knowledgeable lender will help you calculate your true monthly housing expense—not just the mortgage payment.
Why Work With a Local Mortgage Lender?
When purchasing in a specialized community like The Villages, local insight matters. Our new branch allows us to:
Offer in-person consultations
Coordinate closely with local real estate agents
Understand community-specific financial structures
Provide faster communication and decision-making
We’re not just financing homes—we’re helping people begin their next chapter.
Is The Villages Right for You?
The Villages is ideal for those who want:
An active social calendar
Maintenance-friendly living
A strong sense of community
Warm weather and outdoor recreation
Simplified transportation (hello, golf carts!)
If you’re considering making the move, our team is here to guide you through every step—from pre-approval to closing.
Ready to Explore Your Options?
Buying a home in The Villages is an exciting milestone. Whether you're relocating, downsizing, or investing in your retirement future, having the right financing partner makes all the difference. Doug Milkowski is our local mortgage lending expert in Florida and is happy to answer any questions you may have.