4 Acre Funding

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4 Acre Funding

4ACRE Funding NMLS ID #1600595
Amy Fouraker NMLS ID #368982 4Acre Funding is committed to helping you find the right mortgage product for your needs.

We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make the best financial choices.

09/29/2026

Here’s something about Florida homeownership that can be a little confusing at first:

You want your home’s market value to go up. But you don’t necessarily want its assessed value for property taxes going up just as fast.

Your market value is essentially what your home is worth in today’s market. When that grows, you may be building more equity.

Your assessed value is the value used as part of calculating your property taxes and a higher assessed value can mean a higher tax bill.

That’s where Florida’s Save Our Homes benefit comes in. For a qualifying homesteaded property, Save Our Homes limits how much the assessed value can increase each year to 3% or the change in CPI, whichever is lower.

So while your home’s market value could continue climbing, the assessed value used for property-tax purposes may increase at a much slower pace.

Market value growing. Equity growing. Assessed-value increases limited.

Now that’s a Florida homeowner perk worth knowing about.

AMY FOURAKER
President | Mortgage Broker
NMLS 368982

4 Acre Funding
NMLS 1600595

407.963.7850
[email protected]
4acre.com

Florida Mortgage Broker | Florida Home Loans | Homebuyer Education

09/26/2026

Central Florida’s housing market is starting to feel a little different and for many buyers, that means a little more breathing room.

The latest completed market data shows a $410,494 median home price, 4.4 months of housing supply, and homes spending an average of 64 days on the market.

What I love about this shift is that buyers have a little more time to think, compare, and make thoughtful decisions instead of feeling like they have to rush into the first opportunity.

For sellers, it simply means strategy matters more than ever, pricing well, presenting the home beautifully, and understanding what today’s buyers are looking for.

Every market has its opportunities. The key is knowing how to navigate the one we’re in.

If you’ve been wondering whether now is the right time to buy, sell, or simply start planning your next move, I’m always happy to talk through the numbers and help you understand what they could mean for you.

AMY FOURAKER
President | Mortgage Broker
NMLS 368982

4 Acre Funding
NMLS 1600595

407.963.7850
[email protected]
4acre.com

09/24/2026

I don’t think your mortgage should be the most intimidating part of buying a home.

You should be able to ask the questions you think you’re supposed to already know. You should understand what you’re signing. You should know why one loan makes more sense than another. And you should never feel like you’re just another file moving across someone’s desk.

That’s a big part of why I do what I do at 4 Acre Funding. I get to take something that can feel complicated and make it feel a whole lot more manageable, while helping people get closer to a place they’ll eventually just call home.

No mortgage jargon competition. No making you feel like you should already know. Just real conversations, good options, and someone in your corner from “Could I actually buy?” to “I got the keys.”

AMY FOURAKER
President | Mortgage Broker
NMLS 368982

4 Acre Funding
NMLS 1600595

407.963.7850
[email protected]
4acre.com

Florida Mortgage Broker | Central Florida Home Loans | Orlando Mortgage Broker

09/22/2026

Hello, fall. 🍂

I don’t know what it is about the start of a new season, but it always feels like a little reset.

Of course, fall in Florida has its own personality. We may still be wearing flip-flops and waiting patiently for that first morning that actually feels cool…but I’m ready for it anyway.

Football weekends, a little more time at home, pulling out the fall decorations, and convincing ourselves that 75 degrees definitely counts as sweater weather.

Here’s to a new season, fresh starts, and hopefully a few cooler mornings headed our way.

Happy first day of fall, Florida.

Amy Fouraker | President & Mortgage Broker
NMLS #368982 | 4 Acre Funding NMLS #1600595

407.963.7850
[email protected]
4acre.com

09/20/2026

15 days and we’re Clear to Close! These are the updates that make our day.

There’s something so exciting about watching a loan go from application to this point and knowing the finish line is right there.

A lot can happen during the mortgage process, so when things are moving, everyone is on the same page, and we get that Clear to Close sooner than expected…it feels GOOD.

I’m so excited for my clients and grateful to be part of getting them one step closer to the keys.

Amy Fouraker | President & Mortgage Broker
NMLS #368982 | 4 Acre Funding NMLS #1600595

407.963.7850
[email protected]
4acre.com

09/18/2026

Real estate agents, how many buyers have you watched walk away after a traditional bank told them no?

Sometimes it’s one credit issue. Sometimes it’s something that simply needs a little time, guidance, and a different lending strategy.

That doesn’t always mean the buyer is out of the game. At 4 Acre Funding, we look beyond the automated approval process.

We work with buyers to understand their full financial picture, explore customized home loan options, and provide credit guidance when they need a clearer path toward mortgage readiness.

For agents, that means a buyer who isn’t ready today may still have a path back into your pipeline. Don’t give up on the relationship just because the first answer was no.

Have a buyer you’re not sure what to do with? Contact me today, I’m always happy to take a look and talk through the options.

Amy Fouraker | President & Mortgage Broker
NMLS #368982 | 4 Acre Funding NMLS #1600595

407.963.7850
[email protected]
4acre.com

09/16/2026

A lower purchase price isn’t always the only thing worth negotiating.

Seller concessions can be a powerful tool for buyers, especially when they’re used strategically.

Depending on the loan and purchase agreement, a seller may contribute toward certain closing costs, prepaid expenses, or even help with the cost of buying down an interest rate.

That can mean less cash needed at closing and, in some situations, a more comfortable monthly payment.

The important part? Seller concession limits and allowable costs vary by loan program, so the numbers need to make sense for your financing.

Buying in Orlando or Central Florida? Let’s look at the whole picture before you write the offer.

AMY FOURAKER
President | Mortgage Broker
NMLS 368982

4 Acre Funding
NMLS 1600595

407.963.7850
[email protected]
4acre.com

09/10/2026

One of the best compliments I can receive is being called a creative lender. And coming from a Realtor who works with buyers, properties, and investments every day, that means a lot.

Hannah and I have worked together for years, and she knows she can call me with a scenario, a question, or a deal that might need a little extra problem-solving.

Because lending isn’t always about finding the most obvious option. It’s about understanding the bigger picture, knowing what’s available, and helping find a financing strategy that makes sense for the client and the opportunity.

I’m incredibly grateful for Realtor relationships like this and for the trust Hannah continues to place in me and my team.

Realtors, investors, and homebuyers, if you have a financing question or a scenario you want to talk through, my door is always open.

AMY FOURAKER
President | Mortgage Broker
NMLS 368982

4 Acre Funding
NMLS 1600595
407.963.7850
[email protected]
4acre.com

Orlando Mortgage Broker | Florida Investment Property Loans | Realtor Lending Partner

09/05/2026

Holding onto summer just a little longer.

There’s something about this time of year in Central Florida, the bright colors, warm evenings, slower moments at home, and all the little memories that seem to collect without us even realizing it.

A home becomes so much more than walls and a roof.
It’s where summer mornings begin, where family photos start filling the walls, and where the everyday moments turn into the ones you remember most.

And maybe that’s the best part of homeownership, creating a place that feels completely yours in every season.

As we enjoy this last long weekend of summer, I hope you have a wonderful Labor Day weekend filled with a little extra time to relax, enjoy home, and spend time with the people you love.

AMY FOURAKER
President | Mortgage Broker
NMLS 368982

4 Acre Funding
NMLS 1600595

407.963.7850
[email protected]
4acre.com

Central Florida Homeownership | Orlando Mortgage Broker | Florida Home Buying

09/04/2026

Realtors, this one is worth saving.

When financing hits a roadblock, it can feel like the deal is over before it ever really had a chance.

But before you assume a buyer needs to step away completely, there are a few questions worth asking.
Was it one lender’s decision?

Is the issue something that may be worked through?
And most importantly, does the buyer understand what their next step should be?

At 4 Acre Funding, I’m happy to take a closer look, talk through the situation and help provide some direction when there may be another path forward.

Even when the answer is “not yet,” giving your buyer a plan can help you protect the relationship and keep them connected to you for the future.

AMY FOURAKER
President | Mortgage Broker
NMLS 368982

4 Acre Funding
NMLS 1600595

407.963.7850
[email protected]
4acre.com

Address

1818 E Robinson Street
Orlando, FL
32803

Website

https://amyfouraker.zipforhome.com/, http://www.4acre.com/funding

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