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Home Buying in Jacksonville : Real Estate Advice

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  • Local Info164
  • Home Buying570
  • Home Selling81
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Activity 816
Tue Sep 15, 2015
Christian Velez answered:
0 votes 1 answer Share Flag
Sat Sep 5, 2015
Diane Christner answered:
Rent to own, called lease options, rarely work out to the benefit of the renter. That is because in most cases the renter does not get financing and purchase the property at the end of the contract timeline, thereby losing all of the option money put down up front and options monies paid each month in addition to the actual rent.

If your friend does decide to attempt to do a lease option, be very careful and have a lawyer review the terms of the contract with your friend. You'll also want the lawyer to do a lien search on the property. That's because sellers offering lease to own options may actually be in foreclosure on the property and your friend could loose all of his/her option money in the deal when the bank takes the home back.

Do your homework before signing any contracts for lease option purchase of a home.
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Mon Aug 31, 2015
Five Stars Mortgage answered:
The Jumbo markets have loosen up some in the last year. We can go up to 95% financing ( 850K loan amounts) You can read all the down payment requirements at the provided link below. Call us if with any questions.

Current Jumbo mortgage loan-to-value limits and credit standards for 2015.

Up to 95% LTV to $850,000 with 700+ credit score
Up to 90% LTV to $1,500,000 with 720+ credit score
Up to 85% LTV to $2,000,000 with 740+ credit score

Five Stars Mortgage
Florida Home Loans, 7 days week - 9am-8pm
Ph: 800-871-2636
... more
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Sat Aug 29, 2015
Chefgary050 asked:
seeking fire station in Dallas/ Ft. Worth Tx. area
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Fri Aug 21, 2015
Ebonimall answered:
Bargain with the mortgage lender to pay the closing costs. Mortgage companies are eager to sell their foreclosures and begin recouping their losses. Lenders are more open to negotiations if a property attracts little interest. Talk to the lender handling the foreclosure, and ask them to pay the closing costs to eliminate your out of pocket expense - ... more
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Wed Aug 19, 2015
Jeanne Eisenstein answered:
The bond money is available in many counties across Florida, even here in Duval County. It is as explained, a 2nd mortgage which can cover downpayment and closing costs. There is a $7,500 plan and a $15,000 down payment plan. The loan is forgivable if you remain in the home for at least 5 years. After 5 years you can refinance or sell your home and not have to repay any of the 2nd mortgage. You must have a credit score of at least 640 and your household income cannot exceed approximately $74,000.00 and you can attend a homeownership class online.

I will get you connected with a local lender to see if you qualified and then we can start shopping for your home.

Call me today at 904-635-1972.
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Thu Aug 13, 2015
Brittani Rainey asked:
Emails say "These homes match your search criteria". NO THEY F***ING DON'T!!! I look at these houses and really like them but when I look up their location it ticks me off!!…
0 votes 0 Answers Share Flag
Tue Aug 11, 2015
Diane Christner answered:
if the seller has changed the list price, then that's what they are now looking for on the property. A for sale listing posted on the Internet does not obligate the owner to sell it to you at that price. ... more
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Tue Aug 11, 2015
Julie answered:
Gail, most buyers these days start looking online before contacting a realtor and at some point decide to view some properties and usually contact an agent. This gives the agent a pretty good idea at what you're looking for, and where you're looking to buy.
After that I would say, the agent should be sending you properties with your requirements or similar.

Keep in mind that the internet has a huge number of properties and they might be listed today and sold within minutes, but they will still be listed for a while until the contract is signed and accepted, sometimes that might be immediately or take a few days. So it's easier sometimes to have your realtor send you the properties; at least I find it easier, because an agent doesn't have only one client and if everybody is sending us information on properties that are no longer available is a big waste of our time and yours.

Also, some listing sites update their listings every 15 minutes while others keep they properties listed for a long time, way past their sold time, so the properties you are sending may have been sold already.
There might also be other reasons why you're not getting too many properties, it could be restrictions on price, area, HOA or no HOA, etc.

Julie Jensen,
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Fri Aug 7, 2015
sigkay answered:
Hi there. I understand your concern! I am a single female and recently purchased a home on the Southside. I loved the homes where I ended up buying but was concerned about the surrounding neighborhoods. They are known as a high crime areas.
My best advice is to gas up that car and make a few trips to the neighborhood. I hope that is not in inconvenience to you. However, that would give you a better feel of how the neighborhood is. Try to check it out at different times, especially at night. That is what I have always done before I moved anywhere. I mean I really stalked the neighborhood I live in now before I closed. LOL. However, it was worth it. The neighborhood is just as I was observed it.
Also, you can check out crime info in the area you are interested in on this site. I hope my information was somewhat helpful.
Peace be with you.
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Wed Aug 5, 2015
Nicholestapleton8 answered:
Tue Aug 4, 2015
Gail Long answered:
Hi Denise,
Are you looking for a second home or to relocate to FL? There are lots of areas up and down the Jacksonville and St Augustine coast that offer ocean views. There are condos that do that as well, but without the worry of maintenance, if you will not be there year round. Depending on what you are looking to spend would also help determine exactly what area and type of property. It is important that you feel comfortable with the agent, if you email or call me we can start a conversation about how to best help you met your real estate needs!
All the best,
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Fri Jul 31, 2015
Jeri Patrick answered:
I would contact a local lender to see what you can qualify for and go from there. Best of luck
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Tue Jul 28, 2015
Five Stars Mortgage answered:

Where exactly in Jax? Many popular locations just outside of Jax are still USDA approved. North St Johns County, etc. USDA is a government backed 100% home loan - No bond, no class, hoops to jump through. Learn more at the link below.

Five Stars Mortgage
Florida's local home financing resource
7 days week - 9am-8pm
Ph: 800-871-2636
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Tue Jul 28, 2015
Charrissesmith answered:
This house is off Rogero Rd in Arlington. I know where it's at because I stayed off of Gaillardia Road South for 5 years. So you are wrong sir.
0 votes 2 answers Share Flag
Mon Jul 27, 2015
Guy Richter answered:
That is amazing! It is always great to see a first time home buyer finding the home that they have been looking for!
0 votes 17 answers Share Flag
Mon Jul 27, 2015
Bart Jan Rotteveel answered:
You can still get a mortgage but the interest rate will be quite higher and you need to put at least 30% cash down.

Bart Jan Rotteveel
Realty Associates ... more
0 votes 3 answers Share Flag
Tue Jul 21, 2015
Usda Mortgage Source answered:
Many locations just outside of Jax are still approved for 100% USDA financing.

USDA Mortgage Source - Florida USDA Loans, 7 days a week.
Ph: 904-302-6060 ... more
0 votes 6 answers Share Flag
Sat Jul 18, 2015
Dell Kaser answered:
The first step is to get some help, call a REPUTABLE loan officer, sit down & discuss your financial picture. The agent will either help you make a plan of attack or refer you to a community service person (Like Lutheran Social Services) to help you lay out that plan to extinguish those debts & get you on your way to home ownership. ... more
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