Land O Lakes-Wesley Chapel is a great area. We live near the Land O Lakes Wesley Chapel border and find all the area very friendly, agreeable and convinent. Most of Pasco County is elegible for USDA financing, I.e. 100% LTV if you qualify otherwise. Barbara and I have been REALTORS for a combined 25 + years and are active in the Pasco North Hillsborough area and can assist your home search. Look at http://www.lexingtonoakshomes.com for homes in your price range.
Land O'Lakes is a wonderful place to relocated to, still with the Home town feel, but close to everything. There are quite a few Homes available in the price range you are looking for. I work with several Realtors in he area, so send me your particulars of what you are looking for in your new Home, so that I can work for you to find the Home you want and need.
Also, contact me so that we can get your Home Financing in order as to not delay anything during your transition. I have many programs available to meet your needs. I look forward to hearing from you and working together.
Shelia Marshall / Mortgage Planner
Transcontinental Lending Group
Your first step would be to contact a mortgage consultant to get pre-approved. I am a Real Estate Professional in the area you are looking for. Please feel free to browse my website. I would be more than delighted to assist you in your home search and getting you qualified to purchase. I have a mortgage consultant in my office through Capstone Mortgage. They are affiliated through Wells Fargo one of the top 10 mortgage lenders in the world. On my website home page there is a link to click on which will take you directly to the mortgage site. No obligations! You can also conduct property searchs, save your favorite listings, and so much more from my home page.
Real Estate Professional
ERA Dennis Realty
In that price range, you may qualify for FHA financing. If you do, $10,000 is a more than adequate downpayment. Of course you'll have to figure in the cost of the financing you apply for, but a Realtor can structure your offer to have the seller pay for your closing costs. As for the foreclosures, we too are seeing our share of them. There can be deals but there can also be headaches. Again, an experienced local Realtor can help you navigate those waters. As for the ethnicity of the area, Florida is a very diverse state, and only you can chose the area in which you want to live. A Realtor should not comment on the ethnicity of a particular area. I hope this helps.