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Home Buying in Orange Park : Real Estate Advice

  • All147
  • Local Info17
  • Home Buying34
  • Home Selling4
  • Market Conditions3

Activity 23
Wed Sep 25, 2013
Marguerite Martin answered:
At least $250,000. It depends on the house, condition, location and situation. Give me an address and some details for better estimate.
0 votes 4 answers Share Flag
Thu Jun 6, 2013
Tracy Hoyt answered:

I live and work in Valrico and have never heard of the bill changing that bad. We do have caps on how much the tax can change from year to year. I would love to talk with you and try to answer your questions about Valrico and the surrounding areas. Please feel free to call me at 813-352-6219 or email me at Please review my profile on Trulia and send me a message that way if it is easier.

No pressure, just help.

Tracy Hoyt
Prudential Tropical Realty
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0 votes 3 answers Share Flag
Mon Jul 22, 2013
Amy Kuschka answered:
Many buyers are looking for the Mandarin/Bartram area as well as Orange Park. They really like the schools as well as the location! Contact me for more information!
0 votes 3 answers Share Flag
Thu Dec 6, 2012
Lvhammond answered:
Hey cammylilly09, I have the same thing going on and was wondering if you ever heard anything about your short sale?
0 votes 1 answer Share Flag
Fri Aug 24, 2012
Danielle Sharp answered:
Realistic? No. Hopeful? Yes. There are only 2 types of 0 down loans I'm aware of available anymore - USDA & VA. USDA is restricted to certain areas since it is a rural housing loan and VA you have to be a veteran with eligibility. Unless you're getting a downpayment assistance grant I don't see how you're going to purchase a home 0 down and most of those programs require some money from the buyer.

Keep working on your scores (most lenders want a minimum of 620) and save some money for FHA; the 3.5% downpayment can be gifted to you or be your own funds and your closing costs can be rolled into your loan.

Good luck!
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Sun Jan 6, 2013
Ron Thomas answered:
The word right now is 2 years for a shortsale and 3 for a foreclosure.
I doubt that this will change soon enough for you; but I am predicting that the Banks will loosen up on this when they realize that they are excluding 50 to 70% of their potential customers.
Concentrate on getting your Credit Score up, and maybe you'll be good. Save every penny you can. Do not close accounts; just keep them to the minimum.

Oh, and thanks for serving.
Good luck and may God bless
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0 votes 2 answers Share Flag
Thu Jul 3, 2014
Scott Godzyk answered:
You should first be prequailified for a loan, and if buying parents home, then agree on a price, have someone assist you with writing teh purchase agreement and go forward. you can usually hire an agent for a great discount like 1/2 of normal fee to assist you, otherwise you will want an attorney to assist with legal but will be substantially more money. ... more
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Thu Jan 24, 2013
Blaine Rabe answered:
Good Morning,

You should always get an agent to help you. There is no cost, seller pays these fees. Also, the agent has access to pricing trends, history and can help you determine the offer.

Blaine Rabe
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0 votes 8 answers Share Flag
Fri Oct 28, 2011
Jose Morales answered:
Possibly but there is a lot more to it than that. When did the deed-in-lieu happened? You have to wait two years since the DIL to buy conventional if you are putting at least 20% down. The zero debt could be an issue depending on how many tradelines you show open and active on your credit report. Lenders have different policies on that but if you don't have a lot of activity be prepared to provide possibly past 12 months of rental history. Your scores will have an impact as well as your income and length of employment, price of the property, etc. If you want to discuss further call or email us.

Jose Morales
Florida Mortgage Coach
NMLS #:225888
“We Coach You Through the Mortgage Process”
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0 votes 3 answers Share Flag
Tue Feb 22, 2011
Stacy Carter answered:
Check out the website. There's a credit doctor tool that our financial services division provides. It will assess where you are and what you need to do to get you where you need to be.

The exact link is

Let me know if you need further assistance. I can get you introduced to a local representative for a face to face consultation.

Stacy Carter
Better Homes & Gardens Real Estate Metro Brokers
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0 votes 3 answers Share Flag
Thu Jul 1, 2010
Alma Kee answered:
Hi John,

Yes there are many, many lenders doing VA mortgages. It's a very profitable mortgage and fairly simple so you should have many lenders and brokers clamoring for your business. Just make sure to shop around and compare your good faith estimates and don't let a broker tell you it will hurt your credit score to shop around.

Here's a very interesting website about mortgages:

Good luck!
... more
0 votes 7 answers Share Flag
Thu Jun 6, 2013
Scott Godzyk answered:
Most of the times the short sale package is not complete and it keeps getting pushed to the bottom of the pile. They dont take the time to call and say it is incomplete or we are missing something. It is up to the negotaitor to call daily for an update, you can call 10 days in a row and nothing but that 1 day they neded something you need to be ready to get it to them. The process works like this. First the seller shoudl be qualified to even complete a short sale by calling the home retentin department. Then they should hire a listing broker who is expereinced in short sales (not all are). All the sellers paperwork should be gathered along with the hardship letter. The property needs to be priced at no more than 20% lower than what they owe, anyt more and teh chances are slim the bank will accept the short sale. When an offer comes in it shold have no contingincies other the mortgage, inspections shoudl be done, a pre approval letter submitted for the buyer with a preliminary hud. Now once the bank receives the short sale package from teh perosn negotiating on the sellers behalf. It is processed to make sure everything is there, if so a negotiator is assigned within 3 weeks, once there is a negotiator, they will order an appraisal, usually takes 2 weeks to get back then once back within 30 days the negotiator will accept or counter the offer. They will go line by line in the offer and preliminary hud to try and get every cost reduced to increase what goes to teh bank. So in bets case scenarios it is a 9 week process. now if anything is missing it just adds more time. ... more
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Fri Jan 6, 2012
Jaci K-Philadelphia Luxury answered:
0 votes 9 answers Share Flag
Tue Dec 8, 2009
Blaine Rabe answered:

I would too.

Lots of deals out there, and cash does help, but not that much. That one is not down to $40 a sq. ft. yet. Call or email me and I can send you some to look over.

Blaine Rabe
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Wed Oct 7, 2009
Scott Sullivan answered:

To the best of my knowledge none of the zip codes in Duval county qualify for the USDA 502 program. There are areas in Clay county where I live that do. The best way to find out whether a home you are interested in qualifies for this program is to visit the USDA Rural Development Eligibility Site and type in the property address. The site returns a small map with a "yes" or "no" answer as to whether the address qualifies. I attached the link below so you can check it out yourself.

If you are interested in taking advantage of this program and need help finding a home that qualifies give me a call and I'd be happy to help.

Scott Sullivan
Prudential Network Realty
3535 Highway 17, Suite 10
Fleming Island, FL 32003

C: 904-327-5676
O: 904-269-1716
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Thu Jul 30, 2009
Marsha Hall-Prieto answered:
Lake Asbury are is a excellent plawe to start! Fantastic A schools, friendly folks & nature. Its a wonderful area with about a 20-25 minute drive from Orange Park Mall & 40 mins from St. Augustine 20 minutes from Green Cove Springs...I live in Lake Asbury, I HIGHLY recomend it:) ..Big park across from the elementry school, new middles school too. There are several neighborhoods to choose from. In all price ranges, builders selections to Foreclosures, some really GREAT bargains to choose from. Clay is the Hight School your children would go to. I hope I have helped anwser some of your questions. Please don't hesitate to call me. I am working short sales, regular home sale and bank owned properties everyday. Eye on the Market ^
Marsha Hall-Prieto Century 21 Discover
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0 votes 6 answers Share Flag
Wed Jun 30, 2010
Pam Graham answered:
Hi Pacemom!
As real estate agents, we can't tell you where to live but we can help point you in the right direction when it comes to what's important for you and your family. What kind of commute time is your husband willing to drive?
If you're wanting to stay in Clay County here's the link for Clay county schools:

I'm also going to include a link of Green Cove Springs so you can see the surrounding area:

If you would like additional information on the area, please feel free to email me at or call me at 904-910-3516.
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0 votes 8 answers Share Flag
Sat May 23, 2009
Celine F answered:

If you are trying to buy from short sale, the bank has not owned it yet and you need to contact the current owner. If he/ she wants to work with you then they will have the contact to the bank. The bank will then give you a list of how the short sale should be handled.

Good luck!

Celine Fang
Immi-Nest, LLC
I Sell Houses - Financing Available for ALL Credit Types
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0 votes 5 answers Share Flag
Sat Sep 12, 2015
Linda Bayles answered:
It is designed for the rural sections of the County South and West of Orange Park. Basically everything South of 220 and West of Knight Boxx. There are also income limits depending on the number of family members. Contact me and I can forward the map and limits. ... more
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Mon Nov 14, 2016
Blaine Rabe answered:
Good Day,

The CDD fee is basically a bond payoff. A community puts in a swimming pool, etc. The cost is paid for by a long term, say 30 years, by a bond. Each member of the community pays the interest and principal via the CDD. The CDD usually shows up next to your county real estate tax, on your tax bill. Thus you get the opportunity to write it off, as if it were tax, on your federal return.

CDDs are usually associated with planned communities with lots of ammenities.

Blaine Rabe
... more
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