Find your place.
Begin your next chapter.
Whether you are stepping into your first home, upgrading for your growing family, or relocating to Central Florida, Nancy Moran brings patient guidance, local market insight, and calm advocacy to every step.
Nancy Moran
Realtor® · Coldwell Banker Realty
Guidance rooted in experience and care.
Verified strengths that shape how Nancy helps you find — and confidently purchase — your next home.
Bilingual English & Spanish
Fluent in both languages, Nancy ensures every family decision-maker feels informed and respected throughout the process.
An Educator's Patience
As a high school educator, Nancy explains every step without pressure — no question is too basic, and you never feel rushed.
Local Central Florida Knowledge
A Kissimmee resident since 2012, Nancy knows the neighborhoods, schools, and day-to-day rhythms of Osceola and Greater Orlando.
Personal Relocation Experience
Nancy relocated from New Jersey to Kissimmee herself — she understands the logistics, emotions, and decisions of moving to Florida.
Coldwell Banker Realty Affiliation
Backed by a globally recognized brokerage with trusted local office support and marketing reach.
First-Time Buyer Advocacy
Experience helping families purchase their first home with education, transparency, and steady guidance.
From vision to keys, step by step.
A transparent, pressure-free path so you always know what comes next.
- 01
Discovery & Lifestyle Vision
How you live comes before the search filter
We begin with a conversation about your real day-to-day: commute, school priorities, outdoor routines, and budget boundaries — not a generic checklist.
- 02
Lender Alignment & Pre-Approval
Clarity on purchasing power before viewing
Nancy connects you with trusted Florida mortgage professionals who explain down payments, closing costs, and loan options suited to your financial profile.
- 03
Curated Neighborhood Tours
In-person or virtual tours with local insight
Explore homes across Kissimmee, St. Cloud, Celebration, and beyond. Nancy helps you evaluate neighborhood character, amenities, location, and overall fit. She can help you obtain and review HOA and CDD information, connect you with builders for questions about construction quality, and provide local insight to help you make a confident home-buying decision.
- 04
Strategic Offer & Negotiation
Terms that reflect current market conditions
When you find the right home, Nancy structures an offer reflecting comparable sales, contingencies, inspection periods, and repair allocations.
- 05
Inspections to Keys in Hand
Calm coordination through every milestone
From licensed home inspection and appraisal to final walk-through and title closing, Nancy stays beside you through every document and signature.
Buyer representation may involve a written agreement outlining duties and the relationship between you and your agent. Financing, inspections, and negotiations do not guarantee a particular outcome; Nancy guides you through each decision with current information and your interests in mind.
Your first home deserves patience, not pressure.
Buying your first home can feel overwhelming with acronyms, contracts, and competing advice. Nancy walks you through every cost and term — in English or Spanish — so you move forward informed.
Mortgage Pre-Approval
A lender's pre-approval letter shows sellers you're ready and clarifies what you can comfortably afford.
Down Payment Considerations
Down payments vary by loan type. Some programs require as little as 3–5% down; understanding your options early shapes your search.
Closing Costs
Beyond the down payment, budget for closing costs — typically including title, lender fees, and prepaid taxes and insurance.
Planning for Ownership Costs
Beyond your mortgage payment, homeownership may include property taxes, insurance, association fees, maintenance, and other expenses. Nancy helps you identify important questions and can connect you with qualified professionals for specialized financial or tax guidance.
Homeowners Insurance
Homeowners insurance is an important part of purchasing a property in Florida. Nancy can connect you with licensed insurance agents or brokers who can help you explore coverage options, obtain quotes, and understand available policies.
HOA & CDD Fees
Many Central Florida communities have HOA or CDD fees. Nancy clarifies what these cover and how they affect your monthly budget. She can help you obtain and review the community's governing documents and fee schedules.
Inspections & Appraisal
A professional inspection and lender-required appraisal help protect your investment. Nancy recommends licensed inspectors and coordinates timelines so you can review the findings with confidence.
Assistance Programs
Florida offers homebuyer assistance programs. Eligibility depends on income, location, and loan type — Nancy can point you to current resources to research independently.
Nancy can point you toward current Florida homebuyer assistance programs to research independently. She does not advertise specific grants or guarantee eligibility — that depends on your income, location, and loan type.
What to look for during a home tour.
A practical checklist to help you evaluate each property with confidence.
Roof & Exterior Condition
Note the apparent age and condition of the roof, siding, and visible structure from the ground.
Signs of Moisture
Look for water stains, musty smells, or discoloration near ceilings, walls, windows, and foundations.
HVAC Age & Condition
Check the visible age of the HVAC system and ask about recent service or replacement.
Windows & Doors
Open and close windows and doors to check for smooth operation, drafts, and seal condition.
Storage & Floor Plan
Walk the layout and picture your daily routine — does the flow and storage work for your life?
HOA & CDD Obligations
Ask which community fees apply, what they cover, and request the governing documents to review.
Insurance Considerations
Note the flood zone and discuss wind, hazard, and flood coverage with your insurance provider.
Neighborhood & Commute
Drive the surrounding area at different times and check your commute, schools, and daily amenities.
A home tour helps you assess whether a property fits your needs, but it does not replace a professional inspection or a specialist evaluation. Nancy recommends a licensed inspection before you commit.
Discover where you want to live.
Explore neighborhoods across Osceola, Orange, and Polk counties.
Kissimmee
Lakefront living and family-friendly neighborhoods minutes from the theme parks. Nancy's home base since 2012.
Explore
St. Cloud
Historic downtown charm on the shores of East Lake Tohopekaliga, with a relaxed pace and strong community roots.
Explore
Celebration
A master-planned town with walkable streets, lakefront, and classic Florida small-town architecture.
Explore
Lake Nona
Orlando's innovation district — modern living, wellness, and technology woven into a connected community.
Explore
Nancy Moran
Realtor® · Coldwell Banker Realty
A Realtor® who listens to what your life actually requires.
Nancy relocated from New Jersey to Kissimmee in 2012, building a life rooted in education, community leadership, and real estate advocacy. Since 2020, she has helped families purchase homes across Central Florida with genuine care and integrity.
English & Spanish
Bilingual representation for all clients
Coldwell Banker Realty
Global reach with trusted local office support
Your homebuying questions, answered.
Buying a home comes with important decisions. Here are answers to some of the questions buyers ask most often.
These answers are general guidance, not financial or legal advice. For specifics about your situation, Nancy connects you with trusted Florida lenders, inspectors, and insurance professionals.
Request a Buyer Consultation.
Share your target location, budget, and timeline. Nancy will review your criteria personally and reach out to begin your search.
A Relaxed First Conversation
A low-pressure discussion about what matters to you before looking at homes — no obligation.
Personalized Search Support
As a Stellar MLS member, Nancy can set up tailored property searches around your criteria and walk you through what's on the market.
Direct to Nancy
Your inquiry goes to Nancy personally. She handles your information with care and uses it only to help with your home search.
Buyer Inquiry Form
Complete the fields below and Nancy will be in touch to start your search.