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Home Buying in 32224 : Real Estate Advice

  • All19
  • Local Info2
  • Home Buying8
  • Home Selling3
  • Market Conditions1

Activity 490
Fri Feb 22, 2013
Tina Lam answered:
You can't know beforehand. You'll know for sure when you find out if your offer has been accepted or rejected.
0 votes 1 answer Share Flag
Thu Feb 21, 2013
Rosina Eisenmann 904-482-8666 answered:
Good morning. I see you are in Texas, if you are looking in Jacksonville, FL, I would be more than happy to discuss your options. I work with several investors and have had great success with them. ... more
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Wed Feb 20, 2013
Brian McLogan answered:
Look like home prices range under $80,000 with rental rates around $700. Best bet to check out the street if it is right for you is to drive through it on Friday night to see the activity and the neighbors yards. You can also look up crime statistics but I believe you will get an instinct to follow when you are on the street. Hope this helps let me know if you have further questions ... more
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Tue Feb 19, 2013
Brenda Waters answered:
Make a list of what you are really looking for in a home; check with your Mortgage Broker to find out what you qualify. Drive around different areas at different times of the day, find areas you like. Choose a real estate agent
you trust & believe in & share this information with them.
Thank you,
Brenda Waters, Realtor
904 707-7077
... more
0 votes 6 answers Share Flag
Mon Feb 18, 2013
Phyllis Staines answered:
If you're planning on getting married and wondering how you'll save for a down payment, not to worry. The FHA has a bridal registry program which allows contributions to your down payment from outside sources. The FHA program requires couples to create a bridal registry bank account, then donations can be made and held in the account until a home is purchased. Not all financial institutions participate, so please check with your Realtor for participating firms. ... more
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Sun Feb 17, 2013
Charles Chorman answered:

Mortgage lenders are on top of these types of questions as programs vary and change. Suggest that you speak with your bank or credit union to determine your options. If you like I can recommend someone.

All the best
Charlie Chorman - REALTOR
Coldwell Banker Vanguard Realty
... more
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Tue Feb 12, 2013
Brian McLogan answered:
Best bet is to drive te areas and look up government websites for crime statistics
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Thu Apr 21, 2016
Keven Brennan answered:
I am not a realtor. I am, however, a mortgage banker that works with many very good realtors in the Jacksonville area.
Depending on the price point and other factors I would be willing to recomend some realtors that are very competant, knowledgeable, and hard working. Give me a call or email.
Keven Brennan
Sr Mortgage Consultant
American Home Funding Inc
... more
0 votes 16 answers Share Flag
Wed Feb 6, 2013
Eric Hooper answered:
Typically the answer is yes you should be able to walk away depending on your purchase agreement. We are seeing more lenders ask for seller contributions on short sales, especially FNMA loans. My guess is the seller does not have the money which is why they are asking if you will contribute. If you think the home is still a good buy than it might be worth contributing more cash to get the deal closed. Recommend you discuss with your agent. Good luck. ... more
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Sat Feb 2, 2013
Mack McCoy answered:
By "pre-paids," they mean: your first year of homeowner's insurance premium and lender-required reserves for property taxes and the following year's insurance. They call them "pre-paids" because when the property taxes and insurance premium come due, they take the money to pay them from a reserve account that you have been contributing to. ... more
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Mon Feb 11, 2013
Rosina Eisenmann 904-482-8666 answered:
Yes! I work with several lenders who specialize in the medical field as well as first time home buyers. Call me and I will share my contacts with you.
0 votes 5 answers Share Flag
Thu Jan 31, 2013
Frank & Sharon Alters answered:
Hi DkSmith,

You are asking some great questions.

Mortgage discount points are paid at closing and they reduce the interest rate on the loan. The amount reduced varies, depending on what the bank is offering at that time. A 'normal' discount on the interest rate is 1/4% for one point, or one percent of the loan.

For example:

Loan $200,000
Discount Point $2,000
Interest rate Discount 1/4%
Rate goes from 3.5% to 3.25%

This sames the borrower about $50 a month on payments. At $50 a month, the borrower is saving $600 a year. At $600 a year savings, it would take a little more than 3 years to break even.

When is it a good idea to pay Discount Points? When you are going to be in the house longer than the break even point.

Discount points are tax deductible. If you are asking for some closing costs from the Seller and planning on paying discount points, be sure that you pay the discount points and they pay the other costs so that you can get the tax deduction.

Hope this helps. Let us know if we can help you with anything else.

Best regards,

Sharon H. Alters, GRI
Team Alters
Coldwell Banker Vanguard
... more
0 votes 1 answer Share Flag
Fri Feb 1, 2013
Frank & Sharon Alters answered:
Hi DkSmith,

If you buy the home in your name, there is down payment assistance for first time homebuyers, provided that you meet income and other guidelines. This is usually available through the County where the home is.

There are also loans where you can roll the closing costs into the loan, so you need to know which banks can do this for you.

There are also builders who will pay all your closing costs - or can be negotiated into paying them if you have a skillful negotiator working for you.

Be aware that you will have to agree to live in the house a number of years to receive down payment assistance, and you will likely have to attend a class and make application for the program. If you move or sell the house prior to the time, you will have to pay back a portion of the assistance, depending on how long you have lived in the house.

If we can help you with anything else, please let us know.

Best regards,

Sharon H. Alters, GRI
Team Alters
Coldwell Banker Vanguard
... more
0 votes 2 answers Share Flag
Fri Feb 1, 2013
Rosina Eisenmann 904-482-8666 answered:
Best to check with a real estate attorney who will have your best interests at heart. Many will give opinions, but it's your money at the end of the day. If you are in Jacksonville, I can recommend several reputable lawyers. ... more
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Thu Jan 31, 2013
Henry Pruitt answered:
Which part of Bartram Springs are you looking at? Also the amenities are covered in the HOA fees.

Henry Pruitt
0 votes 3 answers Share Flag
Sat Feb 2, 2013
Miguel Ojeda Jr. answered:
Hello Mike,

Everybody's opinion of "reasonable" is different. You have to be more specific on these forums so we can best help you.

Also, sounds like your missing a REALTOR on your team. A good Realtor can be a great asset in your search for a new home. Interview a few Realtors to find a good match of someone you can trust to work with you to find a home.

My name is Miguel and I am available by appointment to meet and discuss the process and share home prices in the zip codes you are searching.

Best wishes,

MIguel Ojeda Jr.
... more
0 votes 8 answers Share Flag
Mon Feb 22, 2016
Kathie & Neil McGuinness answered:
Please visit There are good descriptions of Jacksonville's neighborhoods, plus, you can find price points in each. Good luck
0 votes 4 answers Share Flag
Wed Jan 30, 2013
Hickory & Donna Delegal answered:
There are fantastic opportunities for investors here in Jacksonville.Be SURE to work with real estate agents who have successfully owned /own investment property.There are KEYS to success in any need to know and understand where to buy, what to improve, people to assist you with finance as well as repairs and/or improvements. Even if you are familiar with the area......remember.....this is a need a plan of need to educate yourself by working with real estate agents who want you to succeed....not just someone who wants to sell you a "pig in a poke"! Contact Hickory (904) 463-5664 or donna (904) 732-7225 for expert, experienced assistance. Good luck!!! ... more
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Thu Jan 24, 2013
Lenee' Purdy answered:
Hello there, It really depends on what type of Financing you choose to do..
There is FHA which requires 3.5 % down payment of the sale price.
Conventional which could be several different ones there is a 5 % down payment to a 20% down payment.
Then there is VA which is a 0 down payment but has a 2.5 percent funding fee
Are USDA which is a 0 down payment the home must be in a USDA area and there is a 2% funding fee. Please contact me if you have any other question.. Good Luck Lenee'

... more
0 votes 8 answers Share Flag
Sat Jan 26, 2013
Stephen McRory answered:
Below are some of the best programs from A to Z available, including the all new Stated Income Alt Loans for Self Employed borrowers

After reviewing these programs below, please email me at with the ones you'd like more info about:

1) 100% LTV- VA - pay off debt at closing on a purchases too!

2) 100% LTV- USDA - 12 mo. into Chapter 13 BK…OK Too!

3) 99% LTV- FHA

4) 97% LTV- NEW- No PMI -No FHA 1.75% MIP Fee!

5) 95% LTV- NEW-No PMI!

6) 95% LTV- NEW-CONDO Loan

7) 90% LTV- NEW-No PMI -2nd Home

8) 90% LTV- New-Jumbo w/cc

9) 85% LTV- NEW- No PMI to Super Jumbo

10) 80% LTV- Rental Property

Stated Income Alt Loan programs

11) 80% LTV- to Super Jumbo

12) 80% LTV- FIX n’ FLIP Invest. Prop. – No min. credit!

13) 75% LTV-to Mega Jumbo

14) 75% LTV

... more
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