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Modern Realty of Putnam Inc.
Larissa Ricketts, Broker
881 State Road 20, Suite 3
Interlachen, FL 32148
Phone: 386-684-0930
Email: modernrealty881@gmail.com

Thank you for visiting today. If this is your first visit, take your time and look around. We have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how we can serve all your real estate needs.

Our company serves Putnam County and the surrounding area.  Market is heating and up and listing inventories are down.  You need a good professional agent to help you find the perfect home.  

Our office is Located in Interlachen Florida but we serve all of Putnam County including.... Interlachen, Palatka, Hawhthorne, Melrose, East Palatka, Florahome, Georgetown, Crescent City, Welaka, Satsuma and more.

If you are looking for a waterfront home look no further.  I have fished many of the area lakes and we are very familiar with not only our inland lakes throughout the county but the St. Johns River also.

Looking for investment in Lots or Acreage?  Prices have not been this low in many years so it is a buyer's market.  Look toward the future while prices are down.

We have a wonderful staff of experienced agents to help you.  We treat our buyers and sellers with respect knowing that purchasing or selling is an emotional experience for most people.  The market has changed and we have changed with it.  

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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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