Find the Home That’s
Right for You
New construction. Luxury estates. Investment rentals. First homes. Whatever you’re looking for in Central Florida — Orlando, Winter Park, Lake Nona, Windermere, and beyond — I’ll help you find it, finance it, and close on it.
Search the Full MLS — Powered by Keller Williams
All available listings across Central Florida, updated in real time. Filter by price, area, property type, or keyword.
Every Type of Buyer. Every Type of Home.
Click any category to open the search portal filtered for your situation. Or contact Stacy directly for a custom MLS search sent straight to your inbox.
New Construction Homes
Never go into a builder’s model home without your own agent. I represent you — at no extra cost — and negotiate upgrades, timelines, and contract terms in your favor.
Search New Construction →Luxury Homes & Estates
Winter Park, Windermere, Dr. Phillips, and Golf Course communities. Discretion, market depth, and financing under one roof — including jumbo and portfolio loans.
Search Luxury Homes →Investment & Rental Properties
DSCR loans qualify on rental income — not your tax return. I help investors find cash-flow properties and secure the right financing structure from day one.
Search Investment Homes →Condos & Townhomes
Lock-and-leave convenience in communities across Baldwin Park, Winter Park, and Lake Nona. Great for downsizers, investors, and remote professionals.
Search Condos & Townhomes →First-Time Buyer Homes
FHA, down payment assistance, and Florida Hometown Heroes programs available. If you think you’re not ready — let’s talk before you decide that.
Search Starter Homes →Relocating to Central Florida
Moving from out of state — or another country? Virtual tours, school research, neighborhood comparisons, and a full relocation blueprint to guide you every step.
Get the Relocation Blueprint →How Buying a Home Works
with Stacy Ann Stephens
From your first conversation to the keys in your hand — here’s exactly what to expect when you work with me.
Get Pre-Approved First
Knowing your number before you fall in love with a home protects you. I issue pre-approvals directly through Jhenesis Mortgage — conventional, FHA, VA, DSCR, ITIN, and more.
Define What You’re Looking For
We talk through your must-haves, your timeline, and your long-term goals. I set up a live MLS search so you see new listings the moment they hit the market.
Tour Homes — In-Person or Virtually
Out-of-state or international buyers can tour virtually. Local buyers get same-day showing availability. I give you honest feedback on every home — not just enthusiasm.
Make a Winning Offer
I build offers designed to win — with pricing strategy, terms, and contingencies tailored to the specific seller’s situation. Pre-approval in hand means you move fast when it matters.
Inspection, Appraisal, and Clear to Close
Because I manage both the real estate and the mortgage, there’s zero gap in communication. One advisor tracks every moving piece from contract to closing.
Close and Get Your Keys
I’m at the closing table with you. And I’m still available after — for neighbors to call, community questions, or whatever comes next in your homeownership journey.
In-House Financing for Every Buyer Profile
As a licensed Mortgage Broker (NMLS #1933745), I have access to loan programs that most buyers don’t even know exist — including options for buyers without a Social Security number, buyers with non-traditional income, and real estate investors who need DSCR financing.
Mortgage services by Stacy Ann Stephens, Mortgage Broker, NMLS #1933745 | Jhenesis Mortgage NMLS #2532705. Real estate services by Keller Williams Realty Winter Park · 147 W Lyman Ave, Winter Park FL 32789. Not a commitment to lend. All loans subject to credit approval.
Ready to See a Home in Person?
Found something you like in the search portal — or want me to build you a custom list? Fill in the form and I’ll follow up within one business day. In-person and virtual tours available.
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Call or Text
(407) 603-1664 -
Office
Keller Williams Realty Winter Park
147 W Lyman Ave, Winter Park FL 32789
Request a Home Tour
Tell me what you’re looking for and I’ll get back to you promptly.
Frequently Asked Questions About
Buying a Home in Central Florida
Browse available listings through Stacy’s KW property search portal, or contact her directly at (407) 603-1664 to get a personalized MLS search set up with email alerts. She can filter by neighborhood, price range, property type, and specific features like new construction, pool, or waterfront.
It’s strongly recommended. Pre-approval tells you exactly what you can afford, makes your offers competitive, and — in today’s market — many sellers won’t consider an offer without one. Stacy can issue your pre-approval directly through Jhenesis Mortgage, so there’s no waiting on a separate lender.
Yes — and this matters. The on-site agent in a builder’s model home represents the builder. Stacy represents your interests, at no additional cost to you. She helps buyers negotiate upgrades, understand contract terms, and avoid the common traps that come with new construction purchases.
Yes. Through Jhenesis Mortgage, Stacy has access to ITIN loan programs and foreign national mortgage products that allow buyers without a U.S. Social Security number to purchase Florida real estate. She has helped many international clients — including Caribbean, Latin American, and European buyers — purchase properties in Central Florida.
Stacy helps investors identify income-producing properties and access DSCR loans that qualify based on the rental income of the property — not your personal tax returns. This is especially useful for self-employed buyers and portfolio investors. Contact her to discuss what your investment goals look like and which financing structure fits best.
Absolutely. Stacy regularly works with out-of-state and international buyers who close on Central Florida homes before ever setting foot in them. Virtual showings, video walkthroughs, and Stacy’s detailed neighborhood guides make the relocation process seamless from wherever you are.
Florida offers several first-time buyer programs including FHA loans (3.5% down), the Florida Hometown Heroes program (down payment and closing cost assistance for eligible professionals), and USDA loans for qualifying rural areas. Stacy can review your situation and identify which programs you qualify for — often buyers are surprised by what’s available to them.
Values shift by neighborhood and property type. Stacy provides buyers with a real-time comparative market analysis for any home they’re considering — so you know before you offer whether the asking price is fair, low, or high. Use the Home Valuation page for a quick estimate, or call Stacy for a full analysis.
Ready to Start Looking? Let’s Talk.
The search is the fun part. The strategy is what gets you the home. Call, email, or browse listings now — and let Stacy do the rest.
Stacy Ann Stephens | REALTOR® | Keller Williams Realty Winter Park · 147 W Lyman Ave, Winter Park FL 32789 · (407) 603-1664