
Buying or selling a home is generally one of the biggest and most expensive projects most people will undertake. The journey is almost always filled with a lot of both emotions and important decisions.
How can you have peace of mind when faced with such a daunting task? Aligning yourself with the right people who have experience and can walk you through the entire process is an important first step.
Long-time local Realtors® Leeann and Ryan Sack with Future Home Realty, Inc., are the married team calling themselves Team Sack. They have an ongoing business relationship with mortgage broker Patrick Monteau of Great Western Home Loans, which makes the combination a one-stop shop for home buyers.
Leeann has been a Realtor for 19 years. Prior to joining Future Home Realty, she worked for a home builder selling newly built homes and still has contacts in the new home construction industry.
Although it wasn’t yet called Team Sack at that time, Ryan got his real estate license 15 years ago, “and we joined forces right away,” says Leeann, who brings her vast array of insider knowledge of the business to the table for every potential home buyer, whether you’re looking for new construction, a resale or aren’t sure which type of home is right for you.
Leeann says that wherever you go in and around Wesley Chapel these days, you will find new construction. An important Team Sack strategy is always having information about what each of the new home builders are offering, so they know how to market a seller trying to resell an older home in order to be able to compete with all of that new home construction.
As for Team Sack’s philosophy when working with clients seeking to buy a home, Leeann says, “Competition is always a factor when purchasing a home, especially when inventory is low. Speed is of the essence in order to be able to secure the home of your dreams, and prompt action can make all the difference.”
Ryan adds, “Whether buying or selling, you need to be educated and Team Sack believes in educating our clients. Potential buyers and sellers want to feel comfortable with the information you provide. Every client will have questions and we are always going to answer the phone and get you through the process.”
The Right Lender, Too!
Leeann and Ryan met Patrick about 10 years ago and they have been working together ever since. Patrick started his career working in foreclosures in Hillsborough and Pinellas counties. He worked for Bank of America underwriting and processing mortgages in their operations department. Then, about 15 years ago, Patrick decided to start his career as a loan originator.
Today, Patrick is the branch manager with Great Western Home Loans, a company with 40 years in the business that is headquartered in Texas. His office is located off of W. Kennedy Blvd. Although he is open from 8:30 a.m.-5:30 p.m., Patrick offers flexible meeting times and provides his mobile number to all of his clients.
He says that although he is willing to meet with his clients, most of the work in his business these days is done online. He is very proud to say that his is the only Great Western branch in Florida.
‘Certified Divorce Specialists’
Ryan and Leeann call Team Sack, “Certified Divorce Specialists,” because they often help couples going through a divorce who have decided to sell their home. Team Sack is able to work together to help both parties.
“Each of us will represent one of the people going through the divorce as their Realtor,” says Leeann, “and we also will work with the attorneys. This makes it a seamless process for everyone.”
Leeann and Ryan say their favorite part of working in real estate is helping their clients achieve one of their goals — whether buying or selling.
What About This Market?

Leeann, Ryan and Patrick all agree that whether buying or selling, “You shouldn’t be scared of the current market,” Leeann says.
Based on the fact that throughout the history of the real estate business, home values always will trend upwards long-term, even though there may be short-term corrections. In other words, “It’s always a good time to purchase a home,” Ryan says, “and when you are ready, please give us a call!”
He adds, “The local market has stayed strong, but the inventory is still low.” “There is still high demand for homes here.”
Leeann says Florida has many things to offer and our area “checks a lot of those boxes.” With about 1,200 people relocating to Florida each day, the New Tampa/Wesley Chapel area offers small city feel with big city amenities, plus miles of beaches not very far away on one side and Orlando on the other.
She also notes that one of the big advantages of working with a Realtor who so often partners up with a great mortgage broker (like Patrick) is that, “We can often get you a lower interest rate,” even though rates are definitely higher now than they were even a year ago.
In fact, the Team Sack/Great Western ad below says that not only can you get a lower interest rate, Ryan and Leeann are currently offering a $500 credit (at closing) towards a buyer’s home inspection fee and Patrick is offering an additional $500 credit towards the buyer’s appraisal fee (also at closing).
And, $till More Help!

To help home buyers have an additional edge, Patrick says he will often use what is known in the mortgage business as a “2-1 Buydown.”
“A 2-1 Buydown lowers the interest rate for the first two years before it rises to the regular and permanent rate,” he says. “The rate is usually 2 percentage points lower the first year and one percentage point lower the second year. This is a great deal for homebuyers, as long as they know they can afford the regular interest rate starting with the third year.
He adds that this 2-1 Buydown is available when the seller offers money towards the mortgage. “For example,” Patrick says, “you may see an ad where a home price was reduced by $10,000. Instead of reducing the initial price, the seller will contribute $10,000 towards the mortgage and the buyer will receive the lower rate for the first two years. This is a win-win for both the buyer and the seller.”
He also says, “Programs like this will help get that house sold that may have been sitting on the market for a while. It may also get the buyer to say yes when the hesitation was the interest rate.”
Patrick also offers additional financial solutions and options to help clients save money in the long run — including Federal Housing Administration (FHA),Veterans Administration (VA), U.S. Dept. of Agriculture (USDA), jumbo and Non-Qualified (Non- QM) mortgages. He says it’s this commitment to financial wellness that sets him apart.
Leeann, Ryan and Patrick not only work together they also vacation together and are good friends. Patrick and his wife Stacy have two little girls — 2-1/2-year-old Millie and Mollie, who is seven months old (photo above). Leeann and Ryan’s son Carter is 12 and attends Cypress Creek Middle School and their daughter Rylee is 9 and attends Quail Hollow Elementary.
For more information about Team Sack, call Leeann at (813) 351-9599 or Ryan at (813) 351-9598 or email them at info@SellandBuyFL.com. For Patrick Monteau, call (813) 927-7806 or email him at pmonteau@gwloans.com.