Lotus Palm Boca Raton FL — Complete Buyer's Guide
Lotus Palm in West Boca Raton is one of GL Homes' newer luxury communities featuring 525 homes and a full resort-style clubhouse. Address 20393 Grand Cascade Avenue, Boca Raton, FL 33434 per GL Homes. Located on Glades Road just west of Florida's Turnpike at old Boca Municipal Golf Course property. Built starting 2021. 11-12 floor plans within 2 collections (The Bali Collection + The Fiji Collection) per The Bridges Connection Team. Home sizes from one-story residences to expansive two-story estates. Pricing Q1-Q2 2026 verified per ZFC April 2026: 32 homes sold past 12 months, avg sold $1,939,184, avg list $2,026,491. Range $1.3M-$3M per Susan J Penn Realtor. HOA approximately $679-$750/month per multiple sources (developer-controlled $500 currently, ~$1,000 once homeowner-governed per ZFC). 26,500 sq ft clubhouse spanning 5 acres per GRS Community Management. Family community with no age restrictions.
Lotus Palm is a new construction gated luxury community by GL Homes in West Boca Raton 33434, located on Glades Road just west of Florida's Turnpike at old Boca Municipal Golf Course property per Optima Properties. Address 20393 Grand Cascade Avenue per GL Homes. Built starting 2021 per Echo Fine + Pearl Antonacci. 525 single-family homes per Pearl Antonacci + Optima Properties + GRS Community Management. 11-12 floor plans within 2 collections (The Bali Collection + The Fiji Collection) per The Bridges Connection Team (Pearl Antonacci says 12 plans). Floor plans range 2-6 bedrooms. Lot mix 50ft and 62ft wide. Home types: one-story residences to expansive two-story estates. Contemporary architecture. Verified Q1-Q2 2026 per ZFC April 2026: 32 homes sold past 12 months, avg ask $2,026,491, avg sold $1,939,184. Range $1.3M-$3M per Susan J Penn Realtor. HOA $679/month per The Bridges Connection Team (~$750/month per source estimate; range $650-$700 per Discover South Florida; ~$1,000/month once homeowner-governed per ZFC; ~$500 currently during developer control). HOA covers: social director, lawn maintenance of each home, 24-hour manned gated entrance, monitoring of home alarm system, maintenance of all common areas and clubhouse per The Bridges Connection Team. Predecessor: Lotus (original) + Boca Bridges + The Bridges + Seven Bridges per ZFC. Successor: Lotus Edge (newest GL Homes community, 39,000 sq ft clubhouse, $1.7M-$3M tier per GL Homes). 26,500 sq ft clubhouse spanning 5 acres per GRS Community Management. Amenities: resort-style pool with shaded patio + lap pool + beach entry pool + spa, indoor multi-sports court, 24/7 fitness center, game room, card room, multi-purpose room, locker rooms with showers, splash park, party pavilion, shaded playground, 6 lighted clay tennis courts + 5 lighted pickleball courts with spectator viewing, aqua fitness, swim classes, full-service indoor/outdoor bistro/bar with restaurant. GL Homes positioning: "country clubs minus initiation fees or membership dues outside the standard HOA charges" per ZFC. Family community sin age restrictions. GL Homes founded 1976, 2nd largest private home builder in Florida, 28th largest US builder, 85,000+ homes built per ZFC.
Brian Wilder here. In business since 1996, with over 1,500 Palm Beach County transactions across the full Boca Raton landscape including GL Homes new construction communities. Lotus Palm in West Boca Raton is one of GL Homes' newer luxury communities featuring 525 homes and a full resort-style clubhouse. Built starting 2021 on the old Boca Municipal Golf Course property. Pricing Q1-Q2 2026 verified per ZFC April 2026: avg sold $1,939,184 across 32 homes past 12 months. HOA approximately $679-$750/month per multiple sources (community currently in developer-to-homeowner governance transition). 26,500 sq ft clubhouse on 5 acres with full restaurant, pools, tennis, pickleball, fitness, indoor sports complex. Engine's second GL Homes community framework after Saturnia Isles (West Delray older era pair #72). This guide presents the GL Homes new construction framework + Q1-Q2 2026 verified data + critical builder portfolio context (Lotus original predecessor + Lotus Edge newest successor + Boca Bridges adjacent + Valencia 55+ Boynton distinction).
Per ZFC: "One can expect the HOA fees to settle at around $1,000 monthly once GL Homes hands the new community governance to the homeowners (generally $500 before that ultimate event)." Currently HOA approximately $679/month per The Bridges Connection Team (Brian source estimates ~$750/month; range $650-$700 per Discover South Florida). Buyers should verify current HOA and projected post-transition HOA structure before offer. Substantial cost-of-ownership variable. Specialty HOA documents review critical.
What Lotus Palm Is
Lotus Palm is a new construction gated luxury community by GL Homes in West Boca Raton 33434 per Echo Fine + Optima Properties. Located on Glades Road just west of Florida's Turnpike at old Boca Municipal Golf Course property per Optima Properties — distinctive land redevelopment story. Address: 20393 Grand Cascade Avenue, Boca Raton, FL 33434 per GL Homes. Built starting 2021 per Echo Fine. 525 single-family homes per Pearl Antonacci + Optima Properties + GRS Community Management + The Bridges Connection Team. Lotus Palm is the second generation of GL Homes's successful Lotus community per Pearl Antonacci — following the success of Lotus and Boca Bridges per Echo Fine. Mix of 50ft and 62ft wide lots per Optima Properties. Home types: one-story residences to expansive two-story estates per Echo Fine. Contemporary architecture with modern designs, open-concept layouts, sleek architectural details, towering ceilings, chef-worthy kitchens.
GL Homes Positioning — Country Club Lifestyle Without Membership Fees
"Country clubs minus initiation fees or membership dues outside the standard HOA charges" per ZFC.
GL Homes positions Lotus Palm structurally against traditional country club communities:
- Resort-style amenities rivaling the best high-end country clubs per ZFC (26,500 sq ft clubhouse, 6 tennis courts, beach entry pool)
- NO mandatory initiation fees — standard HOA only
- NO membership dues outside HOA — cancellable through home sale
- HOA-managed amenities — single ownership/maintenance structure
- Significant savings vs $50K-$250K country club initiations + monthly fees of Royal Palm Yacht & CC, St. Andrews CC, Polo Club Boca
GL Homes founded 1976, 2nd largest private home builder in Florida, 28th largest US builder, 85,000+ new homes built per ZFC. Track record critical for buyer confidence.
GL Homes Portfolio Context
Lotus Palm fits within GL Homes's substantial PBC portfolio:
"Lotus Palm is the second generation of GL Homes's successful Lotus community" per Pearl Antonacci. Lotus is the original. 30,000 sq ft Clubhouse per Live Sell FL. HOA ~$420/month per Live Sell FL. Lotus established first.
525 homes. 11-12 floor plans in 2 collections (Bali + Fiji). Built 2021+. 26,500 sq ft clubhouse. HOA $679-$750/month estimate. $1.94M avg sold Q1-Q2 2026 per ZFC April 2026.
GL Homes's newest community per GL Homes. 39,000 sq ft clubhouse (largest of any Lotus). Address 20393 Grand Cascade Avenue. Pricing $1.7M-$3M per GL Homes. Ambrosia restaurant & bar + Lotus Lounge + cold plunge pool + indoor kids zone + teen club room. Currently selling new construction.
"Following the overwhelming success of GL Homes's Lotus and Boca Bridges communities" per Echo Fine. High-end gated community with resort-style amenities. Successful GL Homes Boca Raton precedent.
Other GL Homes Boca Raton communities. Recent projects per ZFC. Demonstrate GL Homes track record in West Boca + Delray Beach corridor.
Saturnia Isles West Delray (engine pair #72, 356 homes, 2002-2008 era, $1.10M avg). Saturnia Boca Raton (sister). Valencia Cove + Valencia Bay + Valencia Sound + Valencia Reserve + Valencia Shores (Boynton 55+ flagship portfolio). Same builder, different buyer profiles.
Floor Plans — 11-12 Plans in 2 Collections
Lotus Palm offers two distinct home collections:
One of two home collections per The Bridges Connection Team. Distinctive plans within Bali Collection. Verifies with team current available Bali plans + lot widths.
Second home collection per The Bridges Connection Team. Distinctive plans within Fiji Collection. Verify with team current available Fiji plans + lot widths.
The Bridges Connection Team: 11 plans. Pearl Antonacci: 12 plans. Square Foot Homes: 5 contemporary designs (Tahiti, Kauai). Lang Realty: 7 plans. Engine presents range — recommend team verifies current GL Homes plan count for accuracy.
Tahiti per Square Foot Homes. Kauai per Square Foot Homes. Moorea per Susan J Penn recent listing (4 BR, 2,999 sq ft, primary BR suite with 2 large walk-in closets, kitchen with stainless steel appliances + gas stove-top + vent hood). Other plans within Bali + Fiji collections.
2-6 BR range per Square Foot Homes. One-story residences and two-story estates per Echo Fine. First-floor guest bedroom + second-level loft layouts per recent listings. Multi-generational flexibility.
Mix of 50ft and 62ft wide lots per Optima Properties. 62ft lots typically premium tier over 50ft. Critical pricing variable. Verify lot dimensions per specific property.
26,500 sq ft Clubhouse on 5 Acres — Verified per GRS Community Management
Lotus Palm clubhouse is one of the most extensive amenity infrastructures in West Boca Raton new construction:
- 26,500 sq ft clubhouse spanning 5+ acres per GRS Community Management
- Full-service Bistro & Bar with indoor and outdoor seating per GRS
- Lounge with cocktails and Happy Hour per GRS
- Resort-style pool with shaded patio
- Beach entry pool
- Lap pool
- Spa
- 6 lighted clay tennis courts with shade pavilions per Susan J Penn (5 clay + 1 hard per Optima Properties)
- 5 lighted pickleball courts with spectator viewing per GRS + Susan J Penn (4 per Optima Properties)
- Indoor multi-sports court per GRS Community Management
- 24/7 fully equipped fitness center per GRS
- Game Room per GRS
- Card Room per GRS
- Multi-Purpose Room per GRS
- Locker Rooms with Showers per GRS
- Aqua fitness classes + swim classes + poolside events per GRS
- Splash Park per GRS
- Party Pavilion with shaded playground and interactive wet play area per GRS
- Yoga lawn + yoga garden
- Group training studio per Lang Realty
- Pro shop at racquet club
Pricing — Q1-Q2 2026 Verified MLS Data
Lotus Palm Q1-Q2 2026 pricing has substantial verified MLS data:
32 homes sold past 12 months. Avg ask $2,026,491 / avg sold $1,939,184. Active MLS data point. Most current verification available.
Starting from $1,300,000. Entry tier for Lotus Palm new construction.
Range $1.3M-$3M per Susan J Penn Realtor. Wide variance driven by floor plan + lot width + upgrades + premium features + collection.
Floor plan (within Bali + Fiji collections), lot width (50ft vs 62ft = ~$100K-$200K+ premium), upgrade package (base vs premium), bedroom count (2-3 BR vs 5-6 BR two-story), premium features (game room, media room, covered patios, verandahs).
Saturnia Isles (West Delray, 2002-2008 era, $1.10M avg sold Q1-Q2 2026) is ~$800K below Lotus Palm avg sold $1.94M. New construction premium clear — ~$800K spread reflects build era + amenity infrastructure scale + location difference.
Lotus Edge new construction $1.7M-$3M per GL Homes — entry tier higher than Lotus Palm. Lotus Edge 39,000 sq ft clubhouse vs Lotus Palm 26,500 sq ft. Buyers considering both should evaluate amenity infrastructure + plan + price tier match.
HOA Cost-of-Ownership — Developer-to-Homeowner Transition
HOA approximately $679/month per The Bridges Connection Team (Brian source estimates ~$750/month). Range $650-$700/month per Discover South Florida (GRS-managed across Lotus communities). ~$500/month currently during developer control per ZFC.
Per ZFC: HOA fees expected to settle around $1,000/month once GL Homes hands community governance to homeowners. Substantial increase from current developer-controlled tier.
Social director + lawn maintenance of each home + 24-hour manned gated entrance + monitoring of home alarm system + maintenance of all common areas + maintenance of clubhouse.
Brian source explicitly notes: "Approximately $750/month — verify current amount." Recommend buyer obtains current HOA verification from GL Homes / Lotus Palm HOA management / GRS Community Management directly before offer.
Per ZFC: Pets allowed with breed restrictions. Pet limit applies. Pet size restrictions. Dogs allowed. Verify specific pet rules per ZFC reference + HOA documents review.
Reserves analysis + last 3 years financial statements + special assessments status + rules document + projected post-transition HOA structure. New construction community HOAs in developer-to-homeowner transition need careful financial review.
Family Community Position — No Age Restrictions
Lotus Palm is family community sin age restrictions per multiple amenity indicators:
- Splash Park + interactive wet play area per GRS
- Party Pavilion with shaded playground per GRS
- Kids zone
- Indoor kids room
- Spaces for family togetherness per Square Foot Homes
- Multi-generational layouts (2-6 BR range, first-floor guest BR options)
- A-rated Boca schools per Paradise Realty FL (verify per address)
- Distinguishing from GL Homes 55+ portfolio (Valencia Cove + Valencia Bay + Valencia Sound + Valencia Reserve + Valencia Shores in Boynton)
Critical differentiation: Lotus Palm is family community sin age restrictions — distinct from GL Homes Valencia portfolio Boynton 55+ active adult communities. Same builder, different buyer profile. Engine notes both portfolios for future bilingual content opportunities.
Location — West Boca Raton 33434
- Address: 20393 Grand Cascade Avenue, Boca Raton, FL 33434 per GL Homes
- Glades Road — community located on Glades Road just west of Florida's Turnpike
- Florida's Turnpike — just east of community
- Lyons Road — nearby corridor
- Old Boca Municipal Golf Course — community built on this property per Optima Properties
- Adjacent communities: Lotus (original), Lotus Edge (newest successor), Boca Bridges, The Bridges, Seven Bridges
- Boca Raton shopping — convenient access
- Downtown Boca + 2 miles of golden beaches — easy access per Square Foot Homes
- Mizner Park — ~20-25 minutes
- Town Center Mall — minutes
- A-rated schools — verify per address
- Florida Atlantic University + Lynn University — minutes
- I-95 — easy access via Glades Road
- 3 Commercial Airports: FLL 21 miles, PBI 22 miles, MIA 41 miles per ZFC
- 3 Private Airports within 12 miles: Boca Raton Executive (BCT), Pompano Beach Airpark (PMP), Fort Lauderdale Executive (FXE) per ZFC
Who Lotus Palm Works For
- Families with children wanting new construction GL Homes family community
- Buyers wanting brand new construction 2021+ without older home due diligence concerns
- Buyers wanting resort-style amenities without country club membership fees
- GL Homes builder preference — 50-year track record, 85,000+ homes built, 2nd largest Florida private home builder
- Buyers wanting modern contemporary architecture (NOT Mediterranean villa style)
- Tennis + pickleball enthusiasts — 6 tennis + 4-5 pickleball courts on-site
- Buyers wanting larger amenity infrastructure — 26,500 sq ft clubhouse on 5 acres
- Indoor sports complex + indoor basketball gym enthusiasts
- Families with multiple children wanting splash park, party pavilion, kids zone
- Empty nesters from East Coast wanting new construction Florida base
- Multi-generational families wanting 2-6 BR layout flexibility
- Snowbirds + seasonal residents wanting new construction maintenance-free
- Buyers wanting West Boca location (vs Central Boca Town Place boutique villa or East Boca Royal Palm Yacht ultra-luxury)
- Buyers $1.3M-$3M budget tier
- Yoga + fitness lifestyle — yoga lawn, group training studio
- Buyers comfortable with HOA $679-$1,000/month range (developer-to-homeowner transition variable)
Less ideal fit for:
- Buyers wanting older established community character (evaluate Saturnia Isles West Delray, Town Place Club Villas Central Boca)
- Buyers wanting Mediterranean villa architecture (evaluate Town Place Club Villas)
- Buyers wanting waterfront direct ocean access (evaluate Royal Palm Yacht & CC, Tropic Isle)
- Buyers wanting downtown walkable lifestyle (evaluate Pineapple Grove Delray)
- Buyers wanting equestrian community (evaluate Paddock Park Wellington)
- Buyers wanting 55+ age-restricted (evaluate Valencia Cove Boynton, Buena Vida Wellington, Cresswind Westlake)
- Buyers wanting ungated freedom (evaluate Lake Ida East Delray, Tropic Isle)
- Buyers below $1.3M budget (evaluate Saturnia Isles avg $1.10M Q1-Q2 2026)
- Buyers wanting smaller boutique community (evaluate Town Place ~120 homes)
- Buyers wanting on-property golf community (Lotus Palm built on old golf course but has NO golf within community)
- Buyers wanting beachfront direct (evaluate barrier island Singer/Manalapan)
- Buyers wanting newest GL Homes community (consider Lotus Edge 39,000 sq ft clubhouse, $1.7M-$3M)
- Buyers sensitive to HOA transition uncertainty ($679 current → potentially $1,000+ post-governance transition)
- Buyers sensitive to ongoing community construction (still finishing per source references)
Considering Lotus Palm?
With 28+ years of Palm Beach County experience and 1,500+ transactions across the full Boca Raton + Delray Beach corridor including GL Homes new construction communities, I help buyers navigate Lotus Palm's specific structural challenges that determine real value. For Lotus Palm specifically, my pre-offer evaluation includes: GL Homes plan identification per 11-12 plans across Bali + Fiji collections (Tahiti, Kauai, Moorea, others), lot width analysis (50ft vs 62ft pricing variance ~$100K-$200K+), upgrade tier analysis (base vs premium package), Q1-Q2 2026 verified MLS comparable analysis ($1.94M avg sold per ZFC April 2026, 32 homes sold past 12 months), new construction due diligence framework (builder warranty status verification, punch list items documentation, structural settling assessment for 2021-2025 builds, GL Homes 1-year/2-year/10-year warranty terms), HOA in developer-to-homeowner governance transition analysis (current ~$679/month, projected ~$1,000/month post-transition, structural cost-of-ownership variable), HOA documents review (reserves + 3-year financial statements + special assessments + rules + projected post-transition fee structure), Florida 2026 insurance quotes with multiple carriers (impact windows confirmed new construction), tax assessment year understanding (new construction tax base + assessment year impact), GL Homes portfolio comparison (Lotus original $420 HOA + Lotus Palm current + Lotus Edge newest 39,000 sq ft clubhouse $1.7M-$3M tier + Boca Bridges + Saturnia Isles older era West Delray $1.10M tier), country-club-without-membership savings analysis (vs $50K-$250K country club buy-ins + monthly fees), school zoning verification per address (Palm Beach County School District, A-rated Boca schools verify by address), construction phase coordination (working with GL Homes development timeline + builder representation interactions), pre-closing walkthrough (new construction defect identification critical for warranty leverage). Register as a buyer with representation before visiting Lotus Palm or the GL Homes sales office. The price is the same with or without representation — the guidance, warranty negotiation leverage, and protection are not. Critical to avoid developer-only representation pitfalls in new construction. Bilingual coordination available with Lucy Lopez for Spanish-speaking households.
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Frequently Asked Questions
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Country club fees?+
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Brian Wilder
The Wilder Real Estate Group at Keller Williams Wellington
Florida Real Estate Broker since 1996 · 1,500+ Palm Beach County homes sold
West Boca Raton GL Homes new construction specialist (Lotus Palm + GL Homes portfolio: Lotus + Lotus Edge + Saturnia Isles Delray + Saturnia Boca + Boca Bridges + Valencia portfolio Boynton 55+)
561-201-4717
Information reflects market knowledge available at the time of publication (May 23, 2026). Verified facts from public sources: Lotus Palm is located in West Boca Raton 33434 on Glades Road just west of Florida's Turnpike at old Boca Municipal Golf Course property per Optima Properties. Address 20393 Grand Cascade Avenue, Boca Raton, FL 33434 per GL Homes. Built starting 2021 (construction began early 2020s) by GL Homes per Echo Fine + Pearl Antonacci. 525 single-family homes per Pearl Antonacci + Optima Properties + GRS Community Management + The Bridges Connection Team. 11 floor plans within 2 collections (The Bali Collection and The Fiji Collection) per The Bridges Connection Team (12 plans per Pearl Antonacci; some sources 5 designs per Square Foot Homes including Tahiti and Kauai; 7 plans per Lang Realty — engine presents range with transparency, recommend team verifies current GL Homes plan count). Floor plans range 2-6 BR per Square Foot Homes (some 3-5 BR per Lang Realty). Lot sizes mix of 50ft and 62ft wide lots per Optima Properties. Home types one-story residences to expansive two-story estates per Echo Fine. Contemporary architecture: modern designs, open-concept layouts, sleek architectural details, towering ceilings, chef-worthy kitchens. Lotus Palm is "the second generation of GL Homes's successful Lotus community" per Pearl Antonacci. Following success of Lotus and Boca Bridges per Echo Fine. GL Homes founded 1976, 2nd largest private home builder in Florida, 28th largest US builder, 85,000+ new homes built per ZFC. Recent GL Homes projects include The Bridges, Seven Bridges, Boca Bridges, Lotus, Lotus Palm, Lotus Edge per ZFC. Pricing Q1-Q2 2026 verified per ZFC April 2026: 32 homes sold past 12 months with average asking $2,026,491, average selling $1,939,184. Starting from $1,300,000 per Pearl Antonacci. Range $1.3M-$3M per Susan J Penn Realtor. HOA approximately $679/month per The Bridges Connection Team (Brian source ~$750/month estimate; range $650-$700/month per Discover South Florida; currently ~$500/month during developer control per ZFC; HOA expected to settle ~$1,000/month once GL Homes transfers community governance to homeowners per ZFC). HOA covers social director, lawn maintenance of each home, 24-hour manned gated entrance, monitoring of home alarm system, maintenance of all common areas and clubhouse per The Bridges Connection Team. Amenities: 26,500 sq ft clubhouse spanning 5 acres per GRS Community Management; lounge with cocktails and happy hour per GRS; full-service bistro and bar with indoor/outdoor seating per GRS; indoor multi-sports court per GRS; 24/7 fully equipped fitness center per GRS; game room per GRS; card room per GRS; multi-purpose room per GRS; locker rooms with showers per GRS; resort-style pool with shaded patio + beach entry pool + lap pool per GRS; spa; 6 lighted clay tennis courts with shade pavilions per Susan J Penn (5 clay + 1 hard per Optima Properties); 5 lighted pickleball courts with spectator viewing per GRS + Susan J Penn (4 per Optima Properties); aqua fitness classes + swim classes + poolside events per GRS; splash park per GRS; party pavilion with shaded playground and interactive wet play area per GRS; yoga lawn / yoga garden; group training studio per Lang Realty; pro shop. GL Homes positioning per ZFC: "country clubs minus initiation fees or membership dues outside the standard HOA charges." Family community no age restrictions distinct from GL Homes Valencia portfolio 55+ communities in Boynton (Valencia Cove, Valencia Bay, Valencia Sound, Valencia Reserve, Valencia Shores). Gated 24/7 with security per Echo Fine. Pet policy: pets allowed with breed restrictions, pet limit, pet size restrictions; dogs allowed per ZFC. 3 commercial airports: FLL 21 miles, PBI 22 miles, MIA 41 miles per ZFC. 3 private airports within 12 miles: Boca Raton Executive (BCT), Pompano Beach Airpark (PMP), Fort Lauderdale Executive (FXE) per ZFC. Recent listing example Moorea Model per Susan J Penn: 4 BR, 2,999 sq ft, well-maintained, like-new, open floor plan with first-floor guest BR + 3 additional BR + loft on second level, primary BR suite with 2 large walk-in closets, kitchen with stainless steel appliances + gas stove-top + vent hood, private backyard with in-ground pool. Specific details — current available inventory exact, exact pricing per home Q1-Q2 2026, GL Homes plan identification per property within 11-12 plan Bali + Fiji collections, lot category 50ft vs 62ft, upgrade tier per specific home, builder warranty status verification (new construction GL Homes typical 1-year general + 2-year systems + 10-year structural), punch list items documentation, structural settling assessment, build phase status (community still building per Paradise Realty FL references), HOA dues + reserves + 26,500 sq ft clubhouse maintenance funding + amenity reserves + projected post-transition HOA structure, Florida 2026 insurance quotes with multiple carriers, tax assessment status (new construction tax base + assessment year), exact school assignment by address — should be verified directly with the specific property considered (with buyer representation registered before first visit to avoid developer-only representation pitfalls), insurance agent with specific carrier quotes, Palm Beach County for property records, Palm Beach County School District for school assignment, Lotus Palm HOA management / GRS Community Management for HOA documents and rules verification, GL Homes for builder warranty terms and punch list, and attorney specialized in Florida residential transactions. This information is general education and does not constitute tax, legal, financial, or investment advice specific to your situation. Equal Housing Opportunity.