Budget Blinds — The Company That Brings A Full Design Showroom To Your Home! 

If you’ve been thinking about enhancing the beauty of your home, call Budget Blinds of North Tampa & Land O’Lakes for an in-home design consultation. (All photos provided by Adriane Wonderlin) 

As Florida summers seem to get hotter (and start sooner) every year, keeping cool inside becomes a growing priority for local homeowners. You can crank up the air conditioning, but what you may not realize is that a more efficient and stylish solution to the heat is getting new window treatments. These not only help regulate temperature but also enhance the aesthetic appeal of your home, both inside and out. 

Mike & Adriane Wonderlin are the owners of Budget Blinds of North Tampa & Land O’Lakes. 

When it comes to finding a company that meets all of your window treatment needs, Budget Blinds of North Tampa & Land O’Lakes stands out. Owned by Wesley Chapel residents Adriane and Mike Wonderlin, the local franchise on W. Fletcher Ave. (near I-275) in Tampa offers personalized consultation services. Whether you visit their showroom or invite a Budget Blinds consultant into your home, you can choose from the company’s huge variety to find the perfect window treatments that align with your budget and style preferences. 

Adriane says, “Many people think blinds are expensive, but we offer a wide selection that can fit any budget.” Mike, with more than 30 years of experience in the business, and Adriane have expanded their service area from San Antonio to Palmetto and now Lakeland. Their showroom is a hub for exploring various styles, although in-home consultations remain a key part of Budget Blinds’ services. 

“Our consultant will come to your home and help you pick out just the right style and material,” says Adriane. 

Employing a team of about 40 people, the Wonderlins are looking to expand further by hiring additional administrative staff and installers in Tampa. Adriane encourages anyone reading this story to contact her (see contact information at the end of the story) if interested or looking for more information. 

Budget Blinds can show you how easy and affordable it is to add hybrid pleated shades with drapes to your home. 

The Wonderlins just came back from the Budget Blinds Expo called “Shaping Our Future Together” in Grapevine, TX, and shared that the most recent trends in the industry have not changed. 

“Motorization is still one of the most popular features with customers,” Adriane says. “One older trend that is making a comeback, are draperies. In the ‘80s and ‘90s, the trend was draperies, but for many years since then, it’s been blinds or shades. However, over the last couple of years, draperies have made a comeback. The difference is that now, shades and blinds are accompanied by draperies — all of which are motorized.” 

The landscape of the window treatment industry has seen some notable changes, especially with the rising popularity of motorized blinds. For example, “In Canada,” Adriane notes, “a law mandates motorized blinds for safety, prohibiting the sale of homes with corded blinds.” While the U.S. has not adopted this regulation, Budget Blinds educates customers on the benefits of motorized blinds, anticipating potential future legislation. For those who don’t want the expense of motorized blinds, but are still concerned about safety, Budget Blinds does also offer a variety of manual pull-down cordless blinds. 

Adriane and her outstanding sales team are always happy to run down the variety of blinds available, including vinyl, wood, fabric, faux wood and aluminum. Adding draperies for accent can enhance the look with a pop of color. Budget Blinds’ drapery specialist Cheryl Visalli, who has a degree in interior design, assists customers in choosing the perfect drapes to complement their blinds or shades. 

Budget Blinds of North Tampa & Land O’Lakes offers every major trend in the window treatment industry, from (above) hybrid pleated shades with drapes to (below) motorized shades and so many more. 

Among those who appreciate not only Budget Blinds’ selection, but the service she has received, is customer Tina Marie, who says in one of the hundreds of 5-Star Google reviews the franchise has received, “We had our beautiful blinds installed today after about 6 weeks of initial contact with this company. We could not have been more happy! Luis was our installer and made it extremely easy from beginning to end! He was very professional, (we were) impressed with how quiet he was with the installation of all rooms and cleaned up like he wasn’t even here. Also very quick on installing the entire house, our home having 13 windows. I’m very impressed and excited and I will definitely recommend this company as they are the BEST!” 

The Wonderlins actively market their services through advertisements (including in the Neighborhood News), highlighting the benefits of upgrading from builder-grade window treatments. The company offers a buy-one-get-half-off-deal, appealing to those looking to enhance efficiency and aesthetics, as well as 12-month interest-free financing. 

For those who prefer shades, the many options include roller, pleated, Roman, woven wood, bamboo, sheer, solar, or graphic varieties, along with an assortment of panels, valances and drapes. 

Also available are shutters, made from wood or composite materials, which remain a popular choice in Florida due to their durability and innovative designs like the invisible tilt feature, which offers an unobstructed view. 

Even the motorization trend has new advancements that make these systems more affordable and quieter. “Smart Homes,” says Adriane, “benefit greatly from improved motorization features.” This technology is particularly useful for Florida homes with large or high windows, allowing homeowners to easily manage light and heat. 

Businesses also benefit from motorized window treatments, which can be set on timers or controlled via smartphone, remote, wall switch, or voice command. About 70 percent of Budget Blinds’ orders now feature motorized options. 

Budget Blinds, founded in 1992 in Orange County, CA, has grown to more than 1,000 franchises across the U.S. and Canada. The Wonderlins’ North Tampa franchise, purchased in 2018, earned Budget Blinds’ national Franchise of the Year award in 2020, marking the location’s third such honor since 2016. 

Beyond business, Adriane and Mike are committed to community involvement. They partner with Homes for Our Troops, providing window treatments for homes built for permanently disabled military personnel. 

To schedule a complimentary in-home Budget Blinds consultation, call (813) 968-5050. For more information, follow “BudgetBlindsofGreaterTampa” on Facebook and Instagram or visit BudgetBlinds.com/NorthTampa.

How Do Florida’s New Homeowners & Condo Association Laws Affect You? 

Although parts of the new laws may end up being challenged in the courts, many portions of them went into effect on July 1 

By Iris Vitelli, Neighborhood News Correspondent & Gary Nager 

Among the many bills Gov. Ron DeSantis signed into law in May was Florida House Bill (HB) 1203, which is now changing the way many homeowners associations do business. (Photo is from FLVoiceNews.com)

A number of the bills Florida Governor Ron DeSantis signed into law on May 31 of this year will have far-reaching effects on homeowners (HOAs) and condominium associations, licensed community association managers (LCAMs) and home and condo owners themselves. 

According to PearlAntonacci.com (the website of the Pearl Antonacci Group of Compass Real Estate, based in Boca Raton), the 2024 HOA (Florida House Bill 1203) and condo (HB 1021) laws introduce stringent requirements for structural safety, financial transparency, and board governance: 

“Key highlights include: 

‱ Reserve Studies & Funding: Condo associations are now required to conduct comprehensive reserve studies periodically. This ensures that sufficient funds are available for major repairs and replacements, providing a clear financial roadmap for future needs. 

‱ Increased Transparency: Associations must provide detailed financial reports to all members annually, ensuring that every dollar spent is accounted for, fostering trust and clarity within the community. 

‱ Structural Integrity Inspections: In light of past incidents, there is a heightened focus on the physical health of buildings. Regular, mandatory inspections are to be carried out to guarantee the safety and durability of the structures. 

‱ Insurance Adjustments: The laws mandate that condo associations maintain robust insurance policies covering a wide range of potential damages, which might lead to increased premiums but significantly better protection against unforeseen events. 

‱ Enhanced Board Requirements: Board members are subject to stricter eligibility criteria and training requirements, aiming to professionalize HOA management and enhance decision-making processes. 

For homeowners, these changes mean more rights and protections from potentially overreaching HOA boards. It’s important for homeowners to be proactive, by attending HOA meetings and staying informed about their rights under the new laws.” 

But, while not all of Florida House Bill (HB) 1203 is yet in effect, many of these changes did take effect on July 1. The new law requires homeowners associations, certain community association managers and community association management firms “to post certain documents on their websites or make available such documents through an application by a date certain.” The law also provides that an association or its agent is required to apply and enforce certain standards regarding architectural or construction improvements “reasonably and equitably.” 

Key Changes & Requirements 

Several new laws address property management companies. While some HOAs and property management companies have adhered to these now-required practices for years, others were rushing to comply by July 1, when most of the requirements kick in. However, the website requirement is extended to January 1, 2025. The law states that HOA documents must be accessible via a website or mobile app, with a password-protected portal for homeowners. Required documents include: 

‱ Declaration of Covenants & Amendments 

‱ Articles of Incorporation & Amendments 

‱ Bylaws & Amendments 

‱ Current Rules 

‱ Contracts & Bids 

‱ Annual Budget 

‱ Financial Reports 

‱ Insurance Policies 

‱ Director Certifications 

‱ Agendas & Minutes 

‱ All Contracts, Notices & Documents related to Conflicts of Interest 

‱ Member Meeting Notices & Agendas 

‱ Board Meeting Notices & Enclosures 

Although many documents will be available on the HOA’s website, homeowners can still request to view documents kept by the property management company. Requests must be made by certified mail, and appointments will be arranged. Homeowners may take pictures or request and pay for copies of the records. 

Penalties & Compliance 

The law now explicitly states that directors or property managers who knowingly solicit, offer, or accept kickbacks are guilty of a third-degree felony. 

If a director is removed, the Board must fill the position immediately. When entering into a contract with an HOA, the contract must have a conflict of interest section. The property management company may recommend a vendor they have a stake in but must now disclose that information in the contract. 

Fining Committees & Procedures 

Not all HOAs already have a fining committee but under the new law, all HOAs are now required to establish such a committee. This committee will be made up of homeowner peers, and can not include any Board members or HOA employees. The committee will hear the homeowner’s explanation for not addressing the violation or contacting the property manager to make arrangements. After hearing the homeowner’s side, the committee will decide whether or not to impose the fine. The only authority the fining committee has is to approve or reject the fine; they cannot make alternate arrangements with the homeowner. 

Previously, the fining committee met at a location; the new law states that a homeowner can attend these meetings via phone or other electronic means. This law also prohibits a fine or suspension from being imposed if the violation is cured before the hearing has been held. 

The law also prevents associations from levying fines and suspensions for leaving garbage at the curb 24 hours before or after collection time or for leaving holiday decorations or lights on longer than allowed by governing documents, unless they are left for more than a week after the HOA gives written notice of the violation. 

Expert Opinions 

Attorney Jonathan Ellis, who is Board-certified in condominium and planned development law and a Partner and Community Associations Business Sector Chair at the Tampa office of Shumaker, Loop, and Kendrick, and an expert in HOA law, says, “Unfortunately, year after year, more amendments complicate HOA operations. Associations will need to consult counsel more often.” He adds that, “many changes are beneficial but will require HOAs to spend money to accommodate them.” 

For example, he says, “One change that could end up in front of a judge is the new law about commercial vehicles. Homeowners can now park in their driveways. The new law lacks a clear definition of what is considered a commercial vehicle. Is it the definition of the Dept. of Motor Vehicles or the minivan that has a ladder on the top? If someone challenges it, a judge will get involved.” 

Ellis also says that the cost to create, update and maintain an HOA website and for HOA directors to complete certification classes will likely be passed on to the homeowners. Previously, property managers would have new Board members sign a form stating they had read the documents and encouraged them to do so. The new law now requires that all new Board members take the Certification Course and mandates 4 additional hours of education each year for properties with 2,500 or fewer units, or 8 hours per year for larger properties. 

“Although some changes may be open to interpretation and might end up in court, one thing is clear: Mandating directors to take the certification class and additional education is a positive development,” Ellis says. 

He adds, “The new law says HOAs may no longer prevent a homeowner from protecting their home against hurricanes. This may mean changes to the architecture of the property.” He advises HOAs to consult an architect to understand what this means for the HOA’s Architectural Review Committee. 

To read the complete bill, you can visit flsenate.gov/Session/Bill/2024/1203. 

Freelance writer Iris Vitelli is the president of the Pebble Creek Homeowners Association of Hillsborough County, Inc., in New Tampa. 

Farina Orthodontic Specialists Combines The Latest Technology With Top Patient Care 

The friendly professional staff at Farina Orthodontic Specialists is led by orthodontists (front row, l.-r.) Pedro Franco, D.M.D., Undine Davis, D.M.D. & Mark Farina, D.M.D. (Photos provided by Farina Orthodontic Specialists) 

Dr. Mark Farina, D.M.D (Doctor of Dental Medicine), of Farina Orthodontic Specialists is something of an institution in the New Tampa and Wesley Chapel areas. 

Dr. Farina has been creating beautiful smiles in our communities for nearly 30 years and continues to be at the forefront of both the latest technology and the highest possible level of patient care. 

After opening his first office on N. Habana Ave. in West Tampa in 1995, Dr. Farina opened his Tampa Palms office in the professional center next to what is now called the Shops at Amberly in 2000. 

Since then, he estimates that he has worked on more than 25,000 smiles for children and a growing number of adults. 

“They start as little people, and I see them grow up,” Dr. Farina says. “I have been invited to attend graduations, weddings and other functions. It’s great to see what a difference a great smile makes.” 

Today, Farina Orthodontic Specialists has three offices — one in South Tampa, one in Tampa Palms and the newest location in the building dubbed “The Cube” on Bruce B. Downs (BBD) Blvd. in Wesley Chapel (between AdventHealth Wesley Chapel and the Shops at Wiregrass mall). And, two additional orthodontists who share Dr. Farina’s passion for creating beautiful smiles have joined him to serve even more patients — Undine Davis, D.M.D., and Pedro Franco, D.M.D. 

The first floor of the three-story cube is now the headquarters of Farina Orthodontic Specialists and also is home to a number of other related dental and medical specialists, including dental services such as root canals (endodontics) and maxillofacial surgery (to correct issues with teeth, gums and even jaws), as well as the office’s high-tech call center, digital lab and corporate office — all on the second floor of the building. The third floor is home to Kids SPOT, which provides pediatric therapy services, including speech, physical, occupational and applied behavior analysis (ABA) therapies for children from birth to age 21 at every stage of development. 


Among the many technological advancements you’ll find at Farina Orthodontic Specialists are low-dose digital X-rays (above) and the 3D impressionless scanner (right).

“When we were starting to build the new office, my son Stefano was 18 and became part of the process,” Dr. Farina says. “I think that may have encouraged him to get involved in building projects, which he is still doing today. He looked at the cube and said, ‘Dad, it is missing a clock. People always remember a building with a clock on it!’ That’s how the (traditional round) clock became part of the building.” 

All three offices are busy places, with any number of happy patients visiting every day. 

“In fact, one of Stefano’s close friends also was a patient,” Dr. Farina says. “My wife (Lissette) and I overheard this friend tell my son, ‘I have to thank your dad. I was like a three when I first went to him. But, I got my smile fixed and now I’m like an eight, so I am going to ask (girls name) to the prom.’ These are the types of things that make me smile. I don’t ever feel like I’m working. I love what I do and take pride in the happiness and confidence we bring to so many.” 

Embracing Change 

Although some patients still either opt to (or have to) choose traditional metal braces, Dr. Farina says the motto at the office is “Embrace Change.” He and his team are always looking for innovative ways to grow and one way to accomplish this goal is with new technologies, which means more than just embracing Invisalign¼ clear aligners — although Dr. Farina says he is the top Invisalign¼ provider in the area, and one of just a few orthodontists nationwide who have reached Elite Status with Invisalign¼. In fact, he says, 60-70% of the practice’s current patients are using Invisalign¼. 

Dr. Franco works on a patient.

One such advancement in the orothodontic industry is the Dental Monitoring ScanBox Pro. This is a device and process that allows patients to take digital scans of their teeth (and entire mouths) every week with their phones. The images are sent to the office so the doctors can monitor the progress of these patients between scheduled appointments, especially if anything appears to not be progressing properly. At that point, they can be brought into the office as quickly as possible to correct any issues. 

“Our office was the first in the country to have this technology and we have been using it for more than four years now with great success.” 

Other technological advances include a 3D impressionless scanner that can create a digital 3D model of your teeth in minutes. An i-CAT 3D Machine takes a 3D image of not just the patient’s teeth, but also of the bones and airways in his or her head. Best of all, the process takes all of five seconds. 

An iTero 3D impressionless scanner can create a digital 3D model of your teeth in three minutes — without the need for that traditional, dreaded goop. The 3-D printers can even produce tooth aligners and retainers on site. 

Not Just For Kids Anymore 

Another trend in the orthodontic industry, according to Dr. Farina, is that 40% of the orthodontic practice’s patients are now adults, including a growing number of adult men. Some, but not all, of these adult patients are the parents of younger patients who see how effective orthodontics can be. 

Dr. Farina shows a patient their X-rays.

“Many of the adults do go with InvisalignÂź (clear aligners),” Dr. Farina says. 

Dr. Farina says that while Farina Orthodontic Specialists may not be the least expensive option for patients, “We’re not the most expensive orthodontists, either.” He adds that the practice’s prices are competitive, and it accepts all types of insurance plans. He will also work with patients who may need a payment plan, which he says can cost as little as $149/month. 

“Your smile is for a lifetime,” Dr. Farina says. “It’s one of the greatest gifts you can give yourself. When you smile, you have the power to change the energy around you, as well as how you feel and how people around you feel.” 

When Dr. Farina was young, he had a bad experience with a dentist and was determined to make his office and everything about the experience friendly and inviting. That’s why his offices don’t look or feel like a dentist’s office. 

He also says that he is very proud of his staff. Every week, he and his team have “WOW Wednesday,” where the employees nominate one of their own to be the “Wower” of the week. 

Meet The Team 
Dr. Farina poses with his three “Top Dentist” awards from Tampa Magazine. 

Dr. Farina earned a Bachelor of Science (B.S.) degree in Biology from Boston College in Boston, MA. He earned his D.M.D. degree from the University of Pennsylvania School of Dental Medicine in Philadelphia and did his post-graduate orthodontic training at New York University (NYU) in New York City, NY. 

He also has received advanced training in the integrated diagnosis and treatment of temporomandibular joint (TMJ) pain, and has served on research teams at both NYU and Penn to help find new and better ways to solve orthodontic problems. Dr. Farina attends more than 80 hours of professional seminars each year and participates in giving seminars and webinars across the country. 

Dr. Pedro Franco was born in Cleveland, OH, but grew up in the Dominican Republic. He graduated from the Universidad Iberoamericana in Mexico City, Mexico, and earned his D.M.D. degree (Summa Cum Laude) from the University of Puerto Rico School of Dental Medicine in San Juan. His Specialty Certificate in Orthodontics is from the Georgia School of Orthodontics, where he received the Doctor Nathaniel Glover Leadership & Professionalism Scholarship. 

Dr. Davis works on a patient.

Dr. Undine Davis graduated from Stanford University in Stanford, CA, where she was an outstanding hurdler on the school’s track team. She earned her D.M.D. degree from the University of Alabama at Birmingham School of Dentistry. She also earned a Master of Science (M.S.) degree in Dental Sciences and a Specialty Certification in Orthodontics and Dentofacial Orthopedics from the University of Florida College of Dentistry in Gainesville. 

All three doctors in the practice are Board-certified and Dr. Farina says that only about 25% of all dentists are Board-certified, so he is very proud of this accomplishment. He and his team also have been voted one of the Top Dentists in Tampa the last three years by Tampa Magazine. The entire practice is very active in the community and has provided mouth guards for local sports teams and sponsored numerous causes that support education, encourage leadership and save lives. 

To schedule a free virtual consultation, with Farina Orthodontic Specialists, visit FarinaSmiles.com, where you also can find additional information about the practice. New patients can call (813) 652-0074 for more information. The Tampa Palms office is located at 15303 Amberly Dr., Suite E, and the Wesley Chapel office is located at 2370 Bruce B. Downs, Suite 100. 

Anderson & Chhabra Eye Care Center Is Now Open In Wesley Chapel! 

(l.-r.) Dr. Neeta Chhabra, Dr. Bruce Anderson & Dr. Aundrea Snyder of Anderson & Chhabra Eye Care Centers, which have offices in Tampa & Wesley Chapel. (Photos by Charmaine George) 

Located in the Red Fern Professional Center off Bruce B. Downs (BBD) Bvd. between S.R. 56 and S.R. 54 is the new second office of Anderson & Chhabra Eye Care Center. The optometrists at Anderson & Chhabra have been helping adults and children in the Tampa area at their original office on W. Fletcher Ave. for more than 40 years and have 70+ years of combined experience. 

The newest member of the Anderson & Chhabra team, and the primary optometrist working at the Wesley Chapel office, is Aundrea Snyder, O.D. Dr. Snyder earned her Doctor of Optometry (O.D.) degree from the Pennsylvania College of Optometry located at Salus University in Elkins Park, PA, in 2022. She completed her residency in Ocular Disease and Traumatic Brain Injury at the James A. Haley Veterans Hospital in Tampa in 2023. Dr. Snyder provides primary eye care for adults and children ages 5 and older, as well as specialty contact lens fittings and help for those with double vision or low vision (also known as near-blindness). 

Although Dr. Snyder is the main doctor working at the Wesley Chapel office, the other doctors based at the Tampa office also will rotate between both offices. Below is an introduction to the other doctors at Anderson & Chhabra Eye Care: 

Dr. Bruce Anderson, O.D., F.A.A.O., DIPL, opened his first practice on N. Dale Mabry Hwy. in Tampa in 1983 and was there for 13 years before moving the practice to the Fletcher Ave. office in December 1996. Dr. Anderson received his O.D. degree from the University of Houston in 1980. He did his residency at the Veterans Administration Hospital in Albuquerque, NM, in 1981. He is a Fellow and Diplomate of the American Academy of Optometry and worked at the Contact Lens and Low Vision Clinics at the University of South Florida College of Medicine in Tampa as their director from 1996 to 2018. Although no longer seeing patients himself, Dr. Anderson is still very much involved with the practice as its mentor and leader. 

In 2008, the practice added Neeta Chhabra, O.D., M.S., F.A.A.O., F.S.L.S. Dr. Chhabra received her Master of Science (M.S.) degree in Vision Science and completed her O.D. degree, both from the Ohio State University in Columbus, in 2006. She also had an ocular disease residency at The Omni Eye Services in Iselin, NJ, in 2007 and her contact lens residency from Nova Southeastern University in Ft. Lauderdale in 2008. Dr. Chhabra is a Fellow of the American Academy of Optometry and the Scleral Lens Society and a Member of the American Academy of Orthokeratology and Myopia Control. She also serves as an assistant professor in the Department of Ophthalmology at the University of South Florida (USF) and sees patients at Anderson & Chhabra as young as age 5. 

In 2017, Richard Weisenberger O.D., F.A.A.O., DIPL, joined the group. He earned his O.D. degree from Nova Southeastern University in 2016 and completed a residency in Primary Care and Brain Injury at the Haley Veterans Hospital in Tampa in 2017. Dr. Weisenberger is a Fellow and Diplomate of the American Academy of Optometry and an Associate Professor at USF in the Ophthalmology Department. 

No story about Anderson & Chhabra would be complete without mentioning a wonderful man who worked in the practice for more than 20 years — Dr. William O. Malone, Jr. Unfortunately, Dr. Malone passed away in 2022. As someone whose entire family was treated by Dr. Malone, I can tell you that he was a loving and gentle man who was always quick with a joke. He loved his patients and his patients loved him. He is very much missed by everyone who knew him. 

About The Wesley Chapel Office 
Dr. Aundrea Snyder works with a patient at Anderson & Chhabra Eye Care’s Wesley Chapel office, which also has a small optical area (below right) with a variety of prescription eyewear (below left) available for purchase.

The Anderson & Chhabra office in Wesley Chapel is available for general eye exams. Dr. Snyder will detect, treat and manage a variety of ocular diseases, such as glaucoma, pink eye, dry eye, infections and much more. Although the offices don’t take infants as patients, Dr. Chhabra specializes in children ages 5 and older. 

Dr. Snyder says, “The best time to take your child to the optometrist is right before they begin school.” She recommends glasses for children until they are in middle school, when they can transition into contact lenses. She says, “Exceptions can be made for younger children who want contacts earlier and can wear them responsibly; as well as for those who are involved in sports.” 

Two specialty services that are offered by the Anderson & Chhabra offices that you don’t always find in other optometric practices are specialty contact lens fittings and working with patients with low vision. 

Dr. Snyder says that “contact lenses are available in a variety of shapes and sizes. There are lenses you can wear daily, weekly, monthly and then you have the previously dreaded original hard contact lenses.” 

She adds that, “These days, the difference between hard and soft contact lenses is the vision clarity. The clarity you get with the hard contact lenses will never compare with the soft.” She adds that there are many people who will be able to see better with hard lenses, especially those suffering from extreme myopia or astigmatism. 

“Hard contact lenses have gotten more comfortable,” she explains. “One of the ways they have changed is the way they are made. Today’s hard lenses are more breathable, come in different sizes and stay in the eye.” In the past, hard lenses would float on the eye and the slightest movement or touch could make the lens fall out. This is not the case anymore. Now, says Dr. Snyder, “Hard lenses stay in place and are made so they don’t touch the cornea, which also makes them more comfortable — and cause fewer problems.” 

Dr. Snyder also says that “Hard contacts are primarily used when someone has a high prescription, a deformed cornea, or when soft contacts cannot be used.” 

The practice offers services for people with low vision, which is a visual impairment that makes it difficult to function on a daily basis. The condition can affect the sharpness of a person’s vision or the visual field. The World Health Organization defines low vision as “visual acuity between 20/400 and 20/70 or a visual field of 20 degrees or less. Dr. Snyder says that when treating patients with low vision, the Anderson & Chhabra offices work with a few organizations, including the Florida Division of Blind Services, which has the following Mission Statement: “To ensure blind and visually-impaired Floridians have the tools, support and opportunity to achieve success.” 

Working With Lighthouse 

The Anderson & Chhabra offices also work with Lighthouse for the Blind & Low Vision, which offers training programs designed to help anyone who has recently lost part or all of their vision to gain the skills they need to perform daily living tasks. 

Dr. Snyder says that children who are blind or visually impaired need the proper tools and training to succeed in life. Lighthouse will help blind and near-blind infants and young children get prepared for school, and help teens get ready for college, the workforce and independent living after graduation. 

Dr. Snyder says her goal is to help people who are vision-impaired become more comfortable with glasses or devices, including digital magnifiers, which come in a variety of shapes and sizes. A digital magnifier has a camera that is almost like a projector and captures the image for the visually impaired. The image can then be zoomed in on and offer contrast changes, depending upon the user’s needs. 

Dr. Snyder says most of these digital magnifying devices unfortunately are not covered by insurance but that’s where Lighthouse steps in to help. 

Speaking of insurance, both Anderson & Chhabra offices accept Vision Service Plans (VSPs), EyeMed insurance and Medicare. They also accept most regular medical insurance plans as well, but regular optometric office visits are not usually covered by medical insurance, which comes into play if a lab test that is not covered by vision insurance is needed. 

The new Anderson & Chhabra office also has a full optical area, where you’ll find brands such as Burberry, Tory Burch, Gucci, Ray-Ban, Kate Spade, DKNY, Michael Kors, Swarovski and Under Armour, to mention just a few. The optical area also makes prescription sunglasses. Please note that the variety available currently at the Wesley Chapel office is a bit smaller than at the Tampa location. 

At this time, the Wesley Chapel office is accepting appointments on Mondays, Tuesdays and Fridays only. 

Anderson & Chhabra Eye Care’s Wesley Chapel office is located at 3822 Turman Loop. The Tampa office is located at 719 W. Fletcher Ave. For more information or to make appointments at either office, call (813) 961-2020 or visit AndersonEyeCareCenter.com.

Team Sack & Great Western Home Loans — Great Realtors¼ & Lower Rates! 

(Above, l.-r.) Carter, Ryan, Leeann and Rylee Sack. The Team Sack real estate team of Future Home Realty is most definitely a family business. The Sacks want to help you & your family buy or sell a home. (Photo by Charmaine George) 

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 RealtorsÂź 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? 
(l.-r.) Millie, Patrick, Stacy and Mollie Monteau. Patrick, the branch manager at Great Western Home Loans, works with Team Sack to get you the lowest possible interest rate. (Photo provided by Patrick Monteau) 

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.