Hi, Are you still looking to purchase a home? DRHorton Home Builders have now started offering what they are calling Express Homes. This would fit the criteria of what you are looking for and they are building them in St Johns Co. I am happy to help you. Using a Real Estate Agent with new construction does not cost you anything but can get you the best deal when it negotiating for extras and or closing costs being paid for. If your timeframe doesn't allow for a full new build often builders carry an inventory of almost finished or even finished homes that they have available to sell.... more
What's the question? If you have a mortgage and your home is deemed to be within the flood zone (based on an elevation certificate) you will likely be required by the lender to have flood insurance. The only way to get an exemption is to have an elevation survey done and if your home is sufficiently raised off the ground and the mechanicals, (heating, cooling generator etc) are above the high water mark as determined by FEMA then you will not need to purchase it.... more
How do you report scams?Add for 356 Stonehurst Pkwy in Saint Augustine, FL for $900.00 is a scam. The rent is actually 2100.00 and I spoke with the rental agent, Heather Allen (found her information on Zillow.com)
If you are a for sale by owner the post is not allowed; if and when you do list with a broker, ask your agent to post the listing, or consider any flat fee realty company that feeds into the site....... more
FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:
Purchase a Florida home 12 months after a chapter 13 Bankruptcy
Purchase a Florida 24 months after a chapter 7 Bankruptcy.
FHA will allow a FHA mortgage 3 years after a Foreclosure.
Minimum FICO credit score of 580 required for 96.5% financing.
Bad credit Florida FHA mortgage approvals minimum FICO credit score of 530 required for 90 FHA financing.
No Credit Score Florida mortgage loans & No Trade Line Florida FHA home loans.... more
Call a local lender. You may qualify for FHA financing if this will be your first home purchase. Also, another option is USDA financing which provides 100% financing but the homes that qualify are in a specific zone. You can look here to see if the home you want is in this area: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do... more
Flood zone "X" is the most common in St. Augustine. Even if your lender does not require it, I think it is always a good idea to have flood insurance just in case. Most policies in Flood zone X vary from $400-600 annually. Check with your local insurance provider.... more