5 Bedroom New Construction Homes For Sale in Lakeland FL | M:I Homes Mira Lago C|

🔹For more information about this home or any other property in Florida please call/text: PHONE: 407-459-3692 @@@@(Cell Phone) EMAIL: [email protected]. Welcome to Hawthorne Ranch by M/I Homes in beautiful Lakeland, Florida — a premier new-home community packed with resort-style amenities including a sparkling community pool, indoor/outdoor fitness areas, a grill pavilion, and an extensive paved bike trail that winds around scenic ponds and green space, perfect for family walks, bike rides, and everyday fun with your furry friends. In this tour you’ll fall in love with the Mira Lago C model, a stunning floorplan offering 5 bedrooms, 4 baths, a dedicated flex room and a spacious bonus room across 3,531 sq ft of thoughtfully designed living space, plus a rare tandem garage that’s ideal for extra storage or workshop space — something today’s buyers are actively searching for in their home tours. Hawthorne Ranch is part of the thriving Lakeland area, one of the fastest-growing metros in the U.S. thanks to its central location on the I-4 corridor, an evolving downtown scene, and an appealing mix of parks and recreation. You’re just a short drive to iconic Florida destinations — around an hour to Orlando and Disney World for unforgettable weekend getaways, about 30–45 minutes to Tampa’s urban offerings, and roughly 1 hour 10 minutes to Clearwater’s Gulf Coast beaches, making this location perfect for both everyday living and adventure. Explore local outdoor gems like Bonnet Springs Park, Hollis Garden along Lake Mirror, Lake Hollingsworth, Loyce Harpe Park, and Lake Bonny Park, all offering nature trails, water views, botanical gardens, and family-friendly activities that add even more lifestyle value to your new home journey here in Lakeland. Before you visit Hawthorne Ranch or any new construction community, make sure you call me first. Many buyers don’t realize that once you walk into a builder’s sales office without your own agent, you often lose the ability to have independent representation—and the builder’s agent works for the builder, not you. When you call me ahead of time, I can guide you through the process, help you compare incentives, negotiate upgrades and closing cost credits, and make sure your best interests are protected from day one. My services typically come at no cost to you as the buyer, and having proper representation can make a big difference in your overall purchase and experience. Here are possible down payment breakdowns for a home with a base price of $491,000 using FHA and Conventional financing. These are based on typical minimum down payment requirements — your exact options can vary depending on lender overlays, credit score, and loan program. 🏠 1) FHA Loan (3.5% Minimum Down Payment) Home Price: $491,000 Minimum Down Payment (3.5%): 👉 $491,000 × 0.035 = $17,185 FHA Estimated Closing Cash Needed (Typical) Category Amount Down Payment $17,185 Prepaid Items / Escrows ~$3,000–$6,000* FHA Upfront MIP (1.75% of loan) ~$8,461* Typical Closing Costs ~$6,000–$10,000* Approx Total Cash to Close ~$34,000–$42,000 *Estimated figures — actual amounts vary by lender, county, taxes, and credits. 💼 2) Conventional Loan Down Payment Options 🟢 5% Down 5% × $491,000 = $24,550 🟡 10% Down 10% × $491,000 = $49,100 🔵 20% Down (Avoids PMI) 20% × $491,000 = $98,200 📌 Notes on Costs & Mortgage Insurance FHA Requires FHA Mortgage Insurance Premium (MIP): Upfront MIP around 1.75% of loan amount (rolled into loan or paid at closing). Annual MIP also applies and is included in monthly payments. Conventional If less than 20% down, you’ll pay Private Mortgage Insurance (PMI) PMI varies based on credit score, loan-to-value, and lender. Can sometimes be removed once you reach ≥20% equity. 📄 LEGAL DISCLAIMER THIS VIDEO IS FOR INFORMATIONAL PURPOSES LESS ILLUSTRATIONS BASED ON THE PRESENTER'S INDIVIDUAL EXPERIENCES. EVERY SITUATION IS DIFFERENT AND YOUR RESULTS MAY DIFFER. INFORMATION PRICES AND OFFERS PRESENTED IN THIS VIDEO ARE SUBJECT TO CHANGE, YOU MUST ANALYZE THE RISKS BEFORE PROCEEDING, #TampaBayHomes, #RelocatingToFlorida, #FloridaRealEstate, #NewHomesForSale, #FamilyHomesFlorida, #SuburbanFlorida, #I4Corridor, #OrlandoToTampa, #MasterPlannedCommunity, #ResortStyleAmenities, #FloridaLifestyle, #HomeBuyersGuide, #HouseHuntingFlorida, 📄 LEGAL DISCLAIMER THIS VIDEO IS FOR INFORMATIONAL PURPOSES LESS ILLUSTRATIONS BASED ON THE PRESENTER'S INDIVIDUAL EXPERIENCES. EVERY SITUATION IS DIFFERENT AND YOUR RESULTS MAY DIFFER. INFORMATION PRICES AND OFFERS PRESENTED IN THIS VIDEO ARE SUBJECT TO CHANGE, YOU MUST ANALYZE THE RISKS BEFORE PROCEEDING