Winter Garden, FL April 2024

Women Making Waves

Let's invest in this great community we call home!

Investment by definition is the act of devoting time, effort, energy or finances to a particular undertaking with the expectation of a worthwhile result. We can invest in a lot of things such as our community, our relationships, our finances, and our health with the hope that the effort will have a positive impact. We can serve the community through volunteerism and investment in future generations. On a larger scale, we can partic ipate in public surveys and stay educated and involved with future city planning. Investing in our finances helps create wealth, meets longterm financial goals and secures our retirement. On a personal level, we can invest in our families and enrich relationships by giving time and effort to the people in our lives that mean the most to us. This type of investment has the most meaningful impact to not only ourselves but to the people closest to us.

Personally, my favorite way to invest is to support the local businesses that serve our great community. This month, I'm excited to feature the founders of Baby Otter Swim School. Mindy and Marlene started their swimming program over 40 years ago and their commitment to saving children from drowning is truly inspiring. I have had the pleasure of getting to know them and their amazing team over the past few months and look forward to working with Baby Otter Swim School to make Florida a zero-drowning state. I hope you will join me in supporting this incredible mission!

While investing in ourselves, relationships, community and finances can look very different from person to person, the effort we put into these areas of our lives are done with the common goal of having a positive impact that yields results. In this issue, we wanted to share about some of the ways that we can invest in our community, our finances and with those that we love. Join me in investing in this great community we call home!

SANDIE BEAUCHAMP, PUBLISHER @WINTERGARDENCITYLIFESTYLE

April 2024

PUBLISHER

Sandie Beauchamp

sandie.beauchamp@citylifestyle.com

EDITOR

Pamela Ford | pamela.ford@citylifestyle.com

STAFF WRITER

Ashley Beauchamp

CONTRIBUTING WRITERS

Savannah Daigle; Anthony Ferguson (Clean Eatz); Healthy West Orange; Angela Robbins

Corporate Team

CHIEF EXECUTIVE OFFICER Steven Schowengerdt

CHIEF OPERATING OFFICER Matthew Perry

EXECUTIVE DIRECTOR OF HR Janeane Thompson DIRECTOR OF FIRST IMPRESSIONS Jennifer Robinson

TECHNICAL DIRECTOR Josh Klein

AD DESIGNER Evan Deuvall

LAYOUT DESIGNER Antanette Ray

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1: Exclusive Med Aesthetics Grand Opening 2: Exclusive Med Aesthetics Grand Opening 3: Westly’s 7th Annual

5K (Healthy West Orange)

business monthly

THE FIRST ACADEMY OPENS STATE-OF-THE-ART STUDENT CENTER

The First Academy, a private Christian school serving Central Florida families, announced the successful completion of the fully renovated Natalie Thomas Student Center (formerly known as the Natalie Thomas Gymnasium) and the Whitaker Auditorium.

This state-of-the-art space is designed to cater to a variety of needs, serving as a fully functioning Chapel, Fine Arts venue, Athletic facility, and Student Center.

Scan to read more

Poke Burri and Lifting Noodles Announce Opening of New Location

Poke Burri and Lifting Noodles are thrilled to announce the upcoming grand opening of their newest store in Orlando (12615 West Colonial Drive, Winter Garden) bringing a fusion of flavors and culinary creativity to the heart of the Sunshine State.

THE 2024 TAMPA BAY WINE & FOOD FESTIVAL IN APRIL

The Tampa Bay Wine & Food Festival, renowned for its annual spring celebration of regional culinary talent, is preparing to set the food scene ablaze from April 9-13, 2024, as the spectacular five-day event canvases the city of Tampa Bay, brought to you by Breakthru Beverage Florida, and presented by GOYA Foods and the Hillsborough County commissioners. For more information, visit https://tampabaywff.com/.

ARTICLE BY SAVANNAH DAIGLE

AIR FORCE VETERAN JESSE JOHNSON SERVES DOGS AND DOG OWNERS IN THE WINTER GARDEN COMMUNITY WITH DOODY CALLS FRANCHISE

DUTY TO SERVE

The Florida Association of VeteranOwned Businesses estimates that there are 185,000 veteran-owned businesses in Florida. These businesses alone generate over $57 billion in revenue each year. Former Air Force veteran Jesse Johnson is just one of these local business owners.

Doody Calls, a local pet waste removal franchise, in April 2022.

Doody Calls offers pet waste removal services throughout Winter Garden and Orlando. Customers can choose weekly, monthly and on-demand pet waste removal for residential prop-

“I UNDERSTAND WHAT IT MEANS TO VERY MUCH BE ‘SERVICE BEFORE SELF’.”

Johnson grew up in Central Florida and joined the Air Force after graduating high school. During his time in the military, he traveled the world while being stationed in North Dakota, South Korea and Germany. There, Johnson worked on military aircraft like B52s and F16s. He also obtained a bachelor's degree and MBA while in active service.

Johnson met his wife while on leave from his station in South Korea. They returned to Johnson’s home in Winter Garden after he was discharged from the military.

“I love the community. Everything is fairly close together and tight knit. This is where I grew up,” says Johnson. “It still feels like a small town where everyone knows everybody.”

Now, Johnson serves the community as a small business owner. He opened

erties. The company also installs and maintains pet waste stations at commercial properties and local communities. In addition, they offer regular yard deodorization treatments.

As a dog owner and pet lover, the franchise allowed Johnson to own a business that served the community and pets at the same time.

“People want clean backyards. They’ve got kids or grandkids or events in their backyard they like hosting— parties and things like that. So it's good for the environment and prevents the spread of parvovirus and other diseases that are found in dog waste.”

Johnson believes his time in the military helped him become a successful business owner, crediting his attention to detail and professionalism to his time in the Air Force.

“I understand a lot of different backgrounds and cultures. I understand what it means to very much be ‘service before self’ and what quality should look like,” he says.

The VA also provided Johnson with tools and resources to get his business off the ground.

When asked for his advice to other vets interested in starting their own businesses, he encourages them to research programs through the VA and other organizations specifically designed for vets, like the SBA Express Loan. This loan allows vets to borrow up to $500,000 and waives guarantee fees if they qualify. SBA Express Loans also offer quicker turnaround time than traditional SBA loans, closing within days instead of weeks or months.

He also suggests doing your homework before launching a business. “Make sure the due diligence you conducted in the service is implemented into the civilian world when it comes to buying into a business,” he says.

Johnson hopes to use profits from Doody Calls to reinvest in other niche, home-based businesses.

“MY GOAL IS TO SCALE.”

“We wanted to invest our time into it now to grow it so we have time that comes back to us later," he says. "It's something we can pass down to our children."

Johnson has made several investments in his business since opening Doody Calls.

What’s been his best business investment to date?

The advertising wrap on his work truck, he says. “It’s very noticeable. We have picked up some clients from it. It’s very out there.”

Johnson’s plans for the future include attending more tradeshows and local community events to get the word out about Doody Calls. He also wants to look for more home-based service businesses to invest in.

“My goal is to scale. I want to keep hiring and keep taking on new customers and communities," he says.

DOODY CALLS.

407-807-6312

jjohnson@doodycalls.com

DoodyCalls.com/Orlando

WOMEN MAKING WAVES

For over 40 years, Baby Otter Swim School founders Mindy York and Marlene Bloom have been dedicated to keeping children safe in Florida's many bodies of water.

ARTICLE BY SAVANNAH DAIGLE

“Our mission is to make Florida a zero-drowning state,” says Bloom.

Baby Otter Swim School seeks to eliminate childhood drownings in Florida—one student at a time

“The more people we can help become successful entrepreneurs. The more children will be safe from drowning.”

The idea for Baby Otter Swim School began in 1975, stemming from Bloom's safety concerns about her two-year-old daughter around pools. At the time, many swim schools wouldn't teach children younger than three years old.

However, drowning continued to be the leading cause of death for children ages one to four. Even today, the Florida Department of Health estimates that the number of children who die from drowning every year could fill three or four preschool classrooms.

“As an educator, I decided I needed to do something about that. I didn't want to lose my daughter if one time I was not there to pull her out,” Bloom says.

Bloom used her educational background and passion for swimming to develop a program that allowed children as young as nine months to learn how to save themselves if they fell into the water.

A few years later, York (Bloom's good friend) experienced an incident where her daughter disappeared at a community pool.

“I turned for one second and she was gone. She had literally walked down the steps of the pool,” York says. York found her daughter at the bottom of the pool, quickly got her out and performed CPR. “It wasn’t pretty, but I was able to bring her back. I'm one of the lucky parents, but not many are.”

The incident was a catalyst for York's involvement with Baby Otter Swim School.

Bloom and York joined forces, combining Bloom’s educational know-how with York’s business development experience to grow the Baby Otter brand.

When Bloom and York leased a pool in South Florida, families traveled to their training facility in Fort Lauderdale. Bloom and York quickly realized the

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Special Olympian, Layla Crehan

need for instructors to provide private lessons at local homes.

The business took off once they did not renew the facility and offered traveling lessons exclusively.

“We became Florida's premier traveling swim school,” says York. Baby Otter received special certification to conduct lessons in public pools throughout Florida.

York says Baby Otter Swim School is the world’s fastest learn-to-swim program. Using the proprietary Turn, Kick, Reach method, students can learn to swim in two and a half hours over five days.

“It's a curriculum system developed by an educator. The programs are based on lesson plans for a child to develop over those five days,” says York. This lesson-plan-based program led many former teachers to become fulltime swim instructors with Baby Otter.

York and Bloom are dedicated to providing a safe space for children of all abilities to learn how to swim.

When one mom was told her children would never learn how to swim due to their autism, she turned to Baby Otter. Her children not only completed the program but also joined the swim team. Her daughter later competed in the Florida Special Olympics, winning over a dozen medals.

Baby Otter’s roster of former students also includes former Chicago Cubs outfielder Andre “The Hawk” Dawson and Gwyneth Paltrow’s daughter, Apple.

With four decades under their belts, Bloom and York don't have plans to slow down. They moved their operations to the Winter Garden area in 2019 and have partnered with several local resorts to offer swim lessons for families on vacation. They are dedicated to investing their time, money, and effort into growing the business to help eliminate childhood drownings in Florida.

“Drowning is the leading cause of death for children ages one to four. The Florida Department of Health estimates the number of children who die from drowning every year could fill three preschool classrooms.”

Bloom and York knew they couldn't make Florida a zero-drowning state alone. In 2022, they franchised to reach even more families across the state. The company sold 15 territories in its first year and hopes to double that in 2024. These franchises cover territories throughout South and Central Florida and Long Island, New York.

“The more people we can help become successful entrepreneurs, the more children will be safe from drowning," says York.

while providing a safe space for children with special needs and families without access to private or community pools to learn how to swim.

For those interested in getting involved, the company is currently seeking franchise owners, donations and corporate sponsorships.

info@babyotter.com | babyotterswimschool.com |

1-888-SWIM-KID

In addition to investing in more franchises, Baby Otter looks to open a new training center in Central Florida. The facility will be a place to train instructors in a weather-proof environment

Bloom and York believe swim lessons are an investment in the future. Swim lessons allow children to be safe around Florida's waterways. Franchise owners invest in a company with a forty-year legacy and a proven technique that allows students to learn to swim quickly.

“Swimming is a life-saving skill,” says Bloom, one that's priceless.

Special Olympian, Layla Crehan

Recipes by CleanEatz

TERIYAKI GRILLED CHICKEN WITH RICE AND VEGGIES

ARTICLE BY ANTHONY FERGUSON, CLEAN EATZ CAFE

Teriyaki Grilled Chicken with Rice and Veggies

Ingredients

For the Teriyaki Chicken:

• 4 (4oz) boneless, skinless chicken breasts

• 1/2 cup low-sodium Teriyaki sauce

• 1 tablespoon sesame oil

• Sesame seeds and sliced green onions for garnish (optional)

For the Rice and Veggies:

• 1 cup jasmine rice

• 2 cups water

• 1 tablespoon vegetable oil

• 2 cups mixed vegetables (such as bell peppers, broccoli, snap peas, carrots), chopped

• 2 cloves garlic, minced

• 1 tablespoon sesame oil

Instructions:

1. Grill the Chicken:

• Preheat your grill or grill pan over medium-high heat.

• Place the chicken on the grill and cook for 6-8 minutes per side, or until the internal temperature reaches 165°F (75°C) and the chicken is cooked through.

2. Prepare the Rice:

• In a saucepan, bring 2 cups of water to a boil. Add the rice, reduce heat to low, cover, and simmer for 15-20 minutes, or until the water is absorbed and the rice is cooked through. Remove from heat and let it sit, covered, for 5 minutes before fluffing with a fork.

3. Prepare the Veggies:

• While the chicken is grilling, heat vegetable oil in a large skillet or wok over medium-high heat. Add minced garlic and cook for 1 minute, or until fragrant.

• Add the mixed vegetables to the skillet and stir-fry for 3-5 minutes, or until they are tender-crisp.

Assemble:

• Serve the grilled chicken alongside the cooked rice and stir-fried vegetables.

• Drizzle the teriyaki sauce over the chicken.

• Garnish with sesame seeds and sliced green onions if desired

Macronutrient Information (per serving, recipe makes 4 servings):

Calories: 500-550

Protein:  40g

Carbohydrates:  35g

Fat: Approximately 15g

Anthony Ferguson

Clean Eatz in Winter Garden

is a healthy food restaurant that offers a variety of delicious and affordable options for our customers. Our dine-in cafe menu includes burgers, wraps, flatbreads, meltz, build your own bowls, smoothies, and more.

Owner

VITALITY

The Ultimate Wealth

ARTICLE BY MELISSA KAUFFMAN

Embark on your path to vitality by grasping the essential first step: setting achievable health goals. It’s not just about ambitious targets; it’s about understanding what’s realistic for you and tailoring your aspirations to match. This personalized approach ensures that each milestone is within reach and aligns with your unique lifestyle and capabilities!

1 2 3

Begin your wellness journey with a focus on genetic understanding. Uncover how identifying specific gene mutations can be the gateway to combating chronic conditions and promoting self-healing. Knowledge about testing, supplements, and recognizing deficiency symptoms form the cornerstone of a proactive health strategy, guiding you toward a holistic state of health.

Unlock the potential of FDA-approved laser therapies, offering a revolutionary, painless, and safe route to diminish fat cells without side effects. Alternatively, explore the efficacy of targeted medications such as Semaglutide or Tirzepatide, alongside select peptides, to turbocharge your weight loss endeavors. Embark on a holistic journey that transforms your physique and uplifts your health.

1. EMBARKING ON THE VITALITY VOYAGE: CHARTING YOUR COURSE

2. SECRETS UNVEILED: CELLULAR INSIGHTS

3. LEAN LIFESTYLE: HEALTHY REDUCTION ROUTES

HEALTHY GOALS WITH

Your body is 60% water thus needing it for essential functions like nutrient distribution and detoxification. Starting your day with water revives your energy and shields against environmental toxins. Morning hydration enhances immunity and stimulates metabolism. For the cleanest water, consider a Berkey filter to eliminate more than 200 harmful substances.

Transform your health journey with a personalized Functional Health Coach-led pantry makeover. Dive into the art of deciphering supplement labels and identifying the telltale signs of nutritional deficiencies. Embark on an exciting field trip to your local farmers market, grocery store, and supermarket, where you’ll discover how to harness the power of food to boost your health and vitality. This hands-on experience is a step towards embracing a lifestyle that prioritizes your well-being and energy.

FOR MORE INFORMATION

To find out more about services or to speak to the author, please contact Melissa at BioCore Therapeutics | 407.307.1510 | Melissa@biocoreclinic.com.

5. HYDRATION: THE ELIXIR OF LONGEVITY

4. FOODS THAT FUEL:  EATING FOR ENERGY

ARTICLE BY HEALTHY WEST ORANGE

BUST A MOVE!

Hey there, it’s Westly, your favorite, charming, and dare I say, handsome, orange neighbor, coming to you directly from Healthy West Orange! Why am I writing, and what’s my job exactly? Well, I’d say I’m the official West Orange community cheerleader! I’m here to encourage you in your healthy journey.

Speaking of healthy, what if I told you there’s a way to get active that doesn’t feel like working out; it just feels like FUN?! You’re probably thinking ‘Yeah, right.’ It might seem silly to believe something a stick figure tells you. But hear me out; having a dance party is good for your body AND mental health.

While I’m not a dance expert (although my sweet moves might convince you otherwise), my friend Kristin Weissman is! She’s the owner of the local dance studio, Studio K, and she told me all about the health benefits of dance: “Dancing provides an incredible health benefit to people of all ages: calorie burning, muscle toning, increased core/overall strength, improved flexibility, and more.” A physical activity for all ages and abilities? Count me in!

“Dancing provides an incredible health benefit to people of all ages: calorie burning, muscle toning, increased core/overall strength, improved flexibility, and more.”

Kristin says when people dance, “their confidence grows tremendously, they become less shy, and let the stresses of the day slip away.” We ALL need some stress relief, am I right?!

Not only does moving your muscles help your body, but it’s also strength training for your mind! Kristin says when people dance; “their confidence grows tremendously, they become less shy, and let the stresses of the day slip away.” We ALL need some stress relief, am I right?!

One of my favorite things about dance is that it can be serious, or totally silly! One day I’ll feel like learning an award-winning routine, and then the next day I might just want to shake my tail feathers with friends! It’s all about getting up, moving, and having fun.

So, are you ready to get in the groove? Here at Healthy West Orange, we’ve got Westly’s Dance Challenge every April to celebrate National Dance Week! Join the fun by registering at HWOEvents. org, and dance any way you like for 30 minutes from April 19 – 30. You could bust a move in your pajamas at home, try a dance class at Studio K, or jump into a Zumba class at the gym. Participants receive a free bag filled with dance-themed goodies! Not only that but you’ll also be entered to win the grand prize to keep you dancing! We can’t wait to cheer you on!

See ya around!

Contractor Kait in Real Life

THE RISE OF KAIT

Kait’s signature red-bottom heels announce her arrival as she walks through an arched entry and into the dimly-lit restaurant. I sit perched on my barstool watching her presence command the room. Beyond the allure of her impeccably styled exterior, there’s a vulnerability and a realness to her that makes people who have met her only a handful of times feel like she’s a close friend. Someone calls out, “Kait!” and she stops to exchange hugs with another familiar face. I’ve known her for about three months at the time of this interview, and I find her essence to be a glowing combination of authoritative and inclusive with an ever subtle quirky nerd streak. She’s always running from place to place, whether at a community event or a board meeting.

You’ll find her effortlessly exchanging ideas about real estate or her passion for affordable housing and politics.

Like many women who dominate the business world, Kait finds comfort in conversations where she can ask a lot of questions and solve a lot of problems. People see her long platinum hair and look into those Disney Princess eyes and want to underestimate her. Sizing up a woman based on how she looks? Never! She and I share a laugh as she reveals that

ten years ago this theme about being a woman general contractor and not being taken seriously would rattle her cage, but rather than live with an Achilles heel, she wrestled her ego to the ground and fast-tracked her way through an industry that is tough to break into for anyone, and typically foreign to women.

“I love fashion and I love shoes. I don’t want to change how I like to dress. I don’t need to show up to a meeting in Dickies and a hard hat to prove that I’m a real GC, but I realize that sometimes my looks result in an extra step. I have to take control of the narrative. I know that being a woman, and choosing to look this way – it only means that what I say in a meeting and how I handle myself is even more important than it might be to my male counterparts… so I take control of everything I can, and I outwork everyone. Behind all this glam is 100 hours a week of pure hard work,” she says as she glances at her phone and exchanges a quick text.

If you convince her to share her self-made journey as a woman general contractor and founder of a multi-million dollar vertically integrated design/build firm and real estate brand, she’ll exude a great deal of pride. One might mistake her pride for a large chip on her shoulder accompanied by a rant about sexism or nepotism, but if you’re paying attention to the way her high speed sentences are strewn together, you’ll deeply understand and appreciate the fact that she did this all by herself.

Although the national statistics reveal a landscape in flux, with a once male dominated field now seeing a growing cohort of formidable women, Kait is still being served daily reminders she’s part of a class that makes up less than 10% of the industry. While she shares stories of times it was hard being the only woman in the room, it turns out being a woman has been her superpower all along.

“There’s power in harnessing your womanness but also empathy goes a long way. People aren’t honest with themselves. Men struggle to admit their shortcomings where women are often overly critical of themselves. I have witnessed people become completely demolished because of their ego. If you can’t admit you’re wrong or that you need to improve, growth won’t be happening.”

Stereotypes crumble as the layers of her story defy convention. This is a tale of ambition and unapologetic success that I know can only be the result of years of shedding one's ego and choosing sheer tenacity.

We delve into the business. Build Ventures is a woman-owned general contracting and real estate development and investment firm providing vertically integrated full service construction, real estate, and property management services.

Backed by a previous career in sales, PR/marketing, and hospitality, Kait was uniquely positioned to launch a company that set out to disrupt the status quo of general contracting.

“Being a woman in a male dominated industry has its challenges. Yet, my communication style, attention to detail and investigative mindset have been my edge.” Kait says.

KAIT DOULOU

BuildVenturesUSA.com

I ask Kait to share with me the one piece of advice she wishes she could give her younger self. Without a moment’s pause, she lays down her wisdom.

“I would tell my younger self to shed my ego and embrace being a woman sooner. Men who are with you for the business, they will carry you on their shoulders across turbulent waters while they drown if they believe in you and know the value you bring. Focus on the unique perspective you have. Women are brilliant communicators and provide a comfort and accessibility that people crave. I just wish I could have leaned into my intuition and female energy sooner and shed my ego sooner, because when I finally did, the floodgates opened.”

We talk about the future. Kait is working on writing a book while preparing for speaking engagements. Her hard work is indisputable. She’s balancing being a mom, working on large scale hotel and housing development projects, speaking on stages and rocking an effortless superwoman vibe, and it has us all rooting for her.

For more information about Kait Doulou and Build Ventures visit BuildVenturesUSA.com

“BEING A WOMAN IN A MALE DOMINATED INDUSTRY HAS ITS CHALLENGES. YET, MY COMMUNICATION STYLE, ATTENTION TO DETAIL AND INVESTIGATIVE MINDSET HAVE BEEN MY EDGE.” - KAIT

APRIL 2024

events A SELECTION OF UPCOMING LOCAL EVENTS

FRIDAYS

Fridays on the Plaza

Centennial Plaza Gazebo, Downtown Winter Garden | 7:00 PM

Come enjoy live music every Friday night on the Plaza.

• April 5th- Sound Traveler Band (Acoustic, Pop)

• April 12th- Bird Dog Bobby (Blues)

• April 19th- Renegade Fusion (Country)

• April 26th- Bryant and Holloway (Folk, Americana)

APRIL 6TH

Hamlin Craft Beer Festival

14111 Shoreside Way, Winter Garden | 3:00 PM

This event is a charity fundraising event to fund scholarships and grants for local high school students in western Orange County! What to Expect:  Unlimited Beer Sampling, Interactive Games, Craft Fair with Local Artisans, Groovy Tunes by a Live DJ, Hamlin Cruise-In Car Show, Delectable Food Trucks, and Much More!

APRIL 6TH

Chalkin’ It Up Sidewalk Art Contest

City Hall, Downtown Winter Garden | 6:00 AM

The Bloom and Garden Society presents the annual Chalkin’ It Up Sidewalk Art Contest and the Spring Fever in the Garden.

APRIL 6TH - 7TH

Spring Fever in the Garden

Downtown Winter Garden | 9:00 AM

The 22nd Annual two day festival has a wide array of flowers and foliage for sale, a sidewalk chalk art contest, live music, a Kid Zone, nature-related arts and crafts, and more!

• 9:00 AM- 5:00 PM (April 6)

• 10:00 AM- 4:00 PM (April 7)

APRIL 6TH, 13TH & 20TH

Arts in April Kids Art Session at the Farmers Market

Parking Garage Plaza, Downtown Winter Garden | 9:00 AM

Come by the Kids Art Tent to create an art activity to celebrate “Arts in April”!

APRIL 20TH

Pints 4 Pawz

Windermere Brewing; 111 West 5th Avenue, Windermere | 11:00 AM

Fundraiser for Polka Dogz, Florida Little Dog Rescue, Liberation Cat House Rescue, Hunter's Village Rescue, and Husky Haven of Florida. Pups Attend for FREE! Raffles, giveaways, corn hole, vendors, and lots of PUPS!

Unlocking Your Home's Equity:

vs. Second Mortgage

Homeownership offers the opportunity to leverage your property's equity for various financial needs. Two common options for tapping into this equity are Home Equity Lines of Credit (HELOCs) and Second Mortgages. Whether you need flexibility or stability. Here's a concise breakdown of their differences:

4 5

HELOC: Fewer upfront costs, and potential ongoing fees.

ASK THE LENDER

Q: How do I choose between a HELOC and a Second Mortgage?

A: Consider your financial needs and preferences. HELOCs offer flexibility for ongoing needs, while Second Mortgages provide stability for one-time expenses.

Second

HELOC:

Second

Second Mortgage: Higher upfront closing costs, fewer ongoing fees. Risk

HELOC:

Second Mortgage: Stability for

Q: What risks do these options entail?

A: HELOCs can be susceptible to rising interest rates, while Second Mortgages offer protection with fixed rates. Both carry foreclosure risks if payments aren't met.

Q: How do costs compare?

A: HELOCs entail lower upfront costs but may have ongoing fees. Second Mortgages involve higher initial expenses but fewer ongoing fees.

Contact me today!

(561) 716-5250