A Better Path To Your Next Home Starts Here
Whether you're buying your first home, preparing for homeownership, or selling to make your next move, The COHA Group helps you understand your options and build the right plan forward.
Wherever You're Starting, There's A Next Step
Our Pathway Home framework helps you understand where you are today and what needs to happen next — from preparing financially to buying and building long-term stability.
Rising
Hope comes back. You realize owning a home may actually be possible for you — not someday, but on a real timeline.
Building
You work the plan. Credit, savings, income, lender readiness and positioning — the unglamorous part that actually moves you.
Arriving
You reach the point of becoming a homeowner. Qualified, shopping, under contract, and then holding your own keys.
Thriving
You move past buying the house into stability, stewardship, and building a life there — and eventually into the next one.
Why the framework matters: most people stall in Rising because nobody ever walked them into Building. The distance between "I rent" and "I own" is a specific, boring, fixable list of things — and almost nobody has ever handed them the list.
What Does Your Next Move Look Like Right Now
Start with the situation that fits you best. We'll help you build the right strategy from there.
I Want To Own, But I'm Not Ready Yet
Build a clear plan around credit, financing, savings, and timing so homeownership becomes a real target instead of a vague someday goal.
Explore Pathway Home → ArrivingI'm Ready To Buy A Home
Understand your buying power, search strategically, and get experienced representation from the first showing through closing.
Start My Home Search → ThrivingI'm Ready To Sell & Make My Next Move
If your current home no longer fits, we'll help you understand your equity, selling options, and how to coordinate the move into what comes next.
Plan My Next Move →A Clear Plan From Where You Are To Where You Want To Be
Pathway Home is designed for buyers who want to own but may not be mortgage-ready today. We help identify the obstacles, connect the right resources, and build a realistic path toward qualification and ownership.
Rising
Phase OneHope comes back, and owning stops feeling impossible.
One free conversation, about fifteen minutes. We look at where you actually stand — credit, income, what you're paying in rent, what you've saved, what your timeline could be. No application. No hard credit pull. You leave that call knowing whether you're months or years out, and what specifically stands between you and the next phase. For a lot of people this is the first time anyone has answered the question straight.
Building
Phase TwoYou work the plan — the part nobody puts on a billboard.
Credit repair sequenced by what actually moves the score, not what sounds impressive. Debt-to-income cleanup. Documenting your income the way an underwriter needs to see it. Rapid rescore where it applies, HUD-approved counseling where that's the right tool, and grant eligibility lined up before you need it. Our mortgage planning partner owns the qualification and credit coaching side; we handle positioning and keep you moving. Most of the timeline lives here, and that's normal.
Arriving
Phase ThreeYou reach the point of becoming a homeowner.
Pre-qualified with assistance stacked. A buyer strategy session where we map what your approval genuinely covers, sort your must-haves from your nice-to-haves, and pick the cities that fit the number. Then shopping with real representation — offer, inspection, appraisal, close. Your agent quarterbacks the whole thing so the process doesn't run you.
Thriving
Phase FourStability, stewardship, and building a life in it.
Closing day is the start, not the finish. The first year of owning has a learning curve — escrow adjustments, your first tax bill, what to maintain and when, what to never ignore. We stay reachable for all of it. And as equity builds, this is the phase where the house stops being just shelter and starts being the thing that funds whatever's next.
Program availability, funding levels and eligibility change. Nothing here is a commitment of financing or a guarantee of approval — the consultation is where we find out what's actually available to you.
Ready To Buy? Let's Make The Right Move
From financing strategy to neighborhoods, inspections, negotiations, and closing, we help you make a smart purchase — not simply get a house under contract.
Resale Homes
Every listing in every city, plus the ones that haven't hit the market yet. We'll also tell you when a house is wrong for you — that's the part you're actually paying for.
New Construction
The person in the model home works for the builder. Their incentives are not your incentives. We come with you at no cost to you, and we read the addenda before you sign them.
Market Reports
Monthly numbers by city — days on market, price per square foot, where inventory is actually moving. Published openly, not held back as a lead magnet.
Your Current Home May Be The Key To Your Next One
If you've outgrown your home, built equity, or simply need something different, we help you coordinate the sale and the next purchase as one strategy — not two disconnected transactions.
Buying And Selling At Once Is The Hard Part
Sell first and you're renting back or scrambling. Buy first and you're carrying two payments. This is where most move-up families stall out for a year or more — not because they can't afford the next house, but because the sequencing looks impossible from the outside.
- Bridge financing
- Buy before you sell
- Rent-back options
Cash, Hybrid, Or Listed — You Pick
We run all three numbers on your current house so you can see the real trade-off. Cash closes fastest and nets least. Hybrid means we front the repairs and staging and settle at closing. Retail lists it properly and brings the most — if the timeline works for you.
- All three, side by side
- No obligation
- Within one business day
We Find The Next House Before This One Closes
Your equity only helps if it lands somewhere. Same team, same conversation — we're shopping for the next house while the current one is being handled, so the move is one continuous motion instead of two separate crises.
- One team, both sides
- Concierge home prep
- You choose the closing date
Start With A Plan For The Move
We'll look at your current home, your equity, your timing, and where you want to go next — then map the cleanest path between the two.
Experience That Helps You Move With Confidence
Local experience matters most when the decision is personal. COHA brings years of real estate leadership, transaction experience, and Central Florida market knowledge to every move.
Local Knowledge Matters
From Winter Haven and Lakeland to Davenport, Bartow, Lake Wales and the communities in between, we understand the differences that can materially affect value, financing, insurance, and the buying decision.
Let's Figure Out Your Best Next Step
Whether you're buying, preparing to buy, or planning a sale and your next purchase, one conversation can give you a clearer path forward.
Talk To Someone Who Lives Here
129 Ave E SW, Winter Haven, FL 33880 · Chad@theCOHAgroup.com
What people who work with us think about us?
Don’t just take our word for it—read what our clients say about working with us to buy or sell their homes.
Get a Guaranteed Offer on your home today.
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Guaranteed Offer Frequently Asked Questions
Everything you need to know—right at your fingertips.
Q. What types of homes fit the Guaranteed Offer program?
Single-family homes built after 1950, valued between $50,000 and $1.5M, are eligible for the Guaranteed Offer program. Furthermore, these homes should be owner-occupied or vacant, non-distressed, not bank-owned, and not located in or near flood zones. They must also be within our service areas and should not have any unpermitted additions or significant foundation issues.
Q. How does the Guaranteed Offer process work?
Once you submit your home for a Guaranteed Offer, our team will verify if your home meets the program parameters. If your home meets the requirements, a Guaranteed Offer will be extended, contingent upon a walkthrough to collect an interior assessment conducted by a licensed The Coha Group Real Estate realtor. Finally, upon accepting the offer, you have the opportunity to close in as little as 21 days.
Q. What type of offer will I receive on my home through the Guaranteed Offer program?
Q. Can I receive multiple Guaranteed Offers?
The Coha Group Real Estate’s Guaranteed Offer program keeps our clients in control. Depending on your home, you may qualify for multiple offers to allow you to decide which offer best helps you reach your real estate goals.
Q. What is the benefit of working with The Coha Group Real Estate to sell my home?
Q. Can I still sell my home if it does not meet the program parameters?
Absolutely! If your home doesn’t meet the program parameters after submission to our Guaranteed Offer program, we can pair you with one of our Exclusive Listing Agents. They’ll utilize our on-market strategies designed to minimize showings while maximizing your home’s profit. Our aim is to make selling your home as easy, stress-free, and enjoyable as possible. Whether you prioritize time, convenience, or profit potential, we’ve got you covered! To learn more about our other selling strategies, click here.