There are many excellent Realtors in Ponte Vedra Beach.. To say which one "might" be the best is very subjective.
I would suggest you look for someone who has lived in the area a long time, has been actively buying and selling real estate for several years and then check out some online reviews.
Best of luck in your search and know that I'm happy to answer any additional questions you might have.
"you state you have perfect rental history and almost 12 months of car payment" this paints a picture of what might span 36 months or so...which is 1/10 the amount of time you will have a home. Because of this your credit score becomes valueable because it spans 10+ years, or at least 5+years, and if it is Low, it may very well be because you have not had it long. you need to work on improving your credit that will be your best solution, which should only take 6-12 months...
Try getting a NACA mortgage. Have you Realtor sign you up so she can represent you. If you go to the NACA website yourself you will be required to work with a Realtor they chose so contact your Realtor today and tell her you want to get the NACA mortgage.
Here's the website, but remember DO NOT sign up until you have chosen your Realtor and she logs you in:
If you don't have a Realtor yet, contact me and I can give you a great recommendation in Ponte Vedra.s
All the best,
It appears so. I have met several people in my apartment complex over the age of 55 who are planning or have moved into a DelWeb or "Sweetwater" community ( age 55 plus community). I have 9 more years to think about it. I feels weird saying I am not old enough. They are very nice and quiet communities.... more
What is your loan officer suggesting...you can dispute any negatives, pay down debt, pay off old debt, keep credit cards below 50%, pay all bills on time, reduce your debt to income ratio, etc.... more
Here is a list of gated communities in that area. I have also put in a few links you can click on to learn more about them. I have an associate that has been selling in that market for years and can take great care of you. Let me know if I can help you further, possibly set up a showing for you or a tour of the area. I look forward to hearing from you.
PONTE VEDRA and JACKSONVILLE AREAS:
DEERWOOD, DEER CREEK, JACKSONVILLE GOLF & COUNTRY CLUB, MARSH LANDING, SAWGRASS, SAWGRASS COUNTRY CLUB, HIDDEN HILLS COUNTRY CLUB, PLANTATION AT PONTE VEDRA, PACE ISLAND, QUEENS HARBOR, GLEN KERNAN, ST. JOHNS GOLF & COUNTRY CLUB, CIMARONE, ORANGE PARK COUNTRY CLUB, SHIPYARDS, THE LEGENDS AT ST JOHNS, MARINA SAN PABLO, THE PRESERVE AT SAN JOSE, CORMORANT LANDING, FLEMING ISLAND PLANTATION.
Chad Fay, ePro, TRC, QSC
Prudential Palms Realty
130 N. Tamiami Trail
Sarasota, FL 34239
941-400-2741 - Direct
888-284-6068 - Fax
Please note that my business is based almost 100% on referrals. If you know anyone that is thinking of buying or selling a home or just someone who may be looking for assistance with any real estate need, please let me know. I would love the opportunity.... more
Many lenders can assist you with a USDA loan in Florida. The home has to match the criteria (rural) to be considered for the loan. Feel free to contact me and I will connect you with at least 3 loan officers that can help you. It all depends on where you plan to live. Kathleen Floryan, REALTOR, Watson Realty Corp. 904-687-5146... more
The only items that affect your credit score are items listed on your credit report and rent typically is not reported to your credit report. However many people have had success with http://rentreporters.com/ reporting the rent to the credit bureaus, and that is one way your rental history can help out your score.
With USDA financing people with scores less than a 640 who are manually underwritten are *required* to have rental history, and generally scores less than 620-640 are manually underwritten, so having a rental history wouldn't help "offset" low scores with USDA financing.... more
I am no lawyer, but the short answer I've learned is NO. Until you have all bank signatures on all documents and addenda, the offer is still floating. I would wait until you have it in hand back from the bank signed/delivered before considering it a done deal. AND, if you look closely at the bank lingo in the contract it usually always protects them from everything - meaning they could still pull the rug out from under the deal and decide not to sell it to you for whatever reason they choose. It's the typical limbo REO crap, but you gotta be ready to wear them out and persevere! Good luck!... more