ANGEL CUTSHALL | Jacksonville Real Estate, Mandarin Real Estate, Ponte Vedra Beach Real Estate


When you’re ready to buy a home in Florida, one of the most important questions you’ll ask yourself is where do you want to buy the house? There are so many factors that go into a home search, and they all center around where the property is located. You’ll also need to consider things like:


Cost

The distance from work

The school system

The size of the property you need


All of these things are dependent upon location. You don’t want to live over an hour away from where you work if it will put a strain on your health and family life. You can also think of things like gas mileage, and precious time. Every area has its own desirable features like access to entertainment, easy access to grocery stores, parks, recreational activities, and more. The closer to a more prominent city that you live, the more accessible these things you want will be. Your lifestyle will be a factor in where you choose to live in Florida. 


Work


You don’t want to sit in tons of traffic each day commuting to and from work. You want to cut down your commute time as much as possible while living in a desirable area. You may also want to be away from the hustle and bustle of the city and settle down in the suburbs. In choosing a location to buy your Florida home, you’ll need to find that balance between distance and where you want to be. It’s important to keep an open mind in choosing your location because so many factors come into play in the decision.


Spend Time In Different Places


Have you never pictured yourself living in the city? Maybe if you spend some time there, you could find that you like it! All you need to do is spend a night out eating dinner out or walking around one afternoon in a new place. Experiencing a location can change your perspective on it for better or worse.  


It Comes Down To The Neighborhood And Community


When you finally do choose a location, you’ll find that it comes down to the neighborhood you’re in and the type of community that the property has around it. Some regions are close-knit, offering a lot of activities and a feeling of community. Other areas have neighborhoods where people keep to themselves. It all depends on what you’re looking for. 


Once you decide where to search for a Florida home, the real fun starts. Now, you get to hone in and find the property of your dreams!              


 

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1. What does a mortgage broker do?

A professional mortgage broker originates, negotiates, and processes residential mortgage loans on behalf of their clients.

2. What are the benefits of using a mortgage broker?

A mortgage broker represents your interests rather than the interests of a lending institution. They act not only as your loan officer, but as a knowledgeable consultant and problem solver. Mortgage brokers have access to a wide range of mortgage products, a broker is able to offer you the greatest value in terms of interest rate, repayment amounts, and loan products. Mortgage brokers will interview you to identify your needs and your short and long term goals. Many situations demand more than the simple use of a 30 year, 15 year, or adjustable rate mortgage (ARM), so innovative mortgage strategies and sophisticated solutions are the advantage of working with an experienced mortgage broker.

3. How do I ensure that I've chosen the right mortgage broker?

The greater the broker's experience and lender network, the better your opportunity to obtain the loan product and the interest rate that best suits your needs. Be sure to read their reviews online and see how long they have been in the business before selecting your broker.

4. What documents should I be prepared with when meeting with a mortgage broker?

A mortgage broker will need to review all your financial information, such as: w2's, tax returns, paystubs, bank statements, as well as various other documents that pertain to your individual circumstances.

5. What kinds of loans are available?

A mortgage broker most likely has access to every product the market has to offer. Most mortgage brokers are approved with multiple lenders to ensure they can offer every product available.

a. What are major differences to be aware of?

With a mortgage broker, you only need one application, rather than completing forms for each individual lender. Your mortgage broker can provide a formal comparison of any loans recommended, guiding you to the information that accurately portrays cost differences, with current rates, points, and closing costs for each loan reflected

6. Costs associated with working with a mortgage broker over a bank?

A mortgage broker is offered loans on a wholesale basis from lenders, and therefore can offer the best rates available in the market, typically making the total loan cost lower for the client.

7. How long does the process take from start to closing on a home?

An "A paper" borrower with good credit can close as fast at 15-21 days.

8. What setbacks should I be aware of?

The market is hot right now so be prepared to compete with other buyers in the marketplace and come in with a strong offer.

9. Are there any incentives for first time buyers? (Lower down payment percentage, etc.)

Yes, there are several down payment assistance programs available for first time home buyers. Some programs will cover your down payment and closing costs.

10. Is there anything else I should be considering when choosing a broker and committing to a loan?

My honest advice would be to get more than one quote. More often than not, borrowers are not shopping around, they are going with the lender that their realtor refers to them and not shopping at all. Get two or three quotes before making a decision.

Shelby Elias, Founding Partner of United Wholesale Lending - (Sacramento, CA)


Long before Facebook, Instagram, and Twitter changed the way we communicate and share information, there existed traditional social networks.

Although it's an old-fashioned concept, its value and importance will never go out of style.

For homeowners, growing families, and senior citizens, having a small group of people you can consistently turn to for support can make problems smaller and challenges a lot easier to glide through. Not only that, but having a solid connection with a few good friends, family members, and neighbors can help keep your spirits up, through both good times and bad.

When it comes to being a homeowner, raising a family, and growing older, here are some specific reasons why staying in touch with your social contacts can make life easier, less expensive, and safer:

  • Getting recommendations: Whether you need a new dentist, dog groomer, or plumber, your chances of finding someone who's dependable and reasonably priced are much greater when you ask a friend, relative, or trusted neighbor. When you're just left to you're own devices to sift through Internet listings, online reviews, and advertisements, it can be pretty time consuming and frustrating. All things being equal, you're more likely to have a successful experience with a service provider who's been recommended to you, as opposed to going through the vetting process completely on your own.
  • Taking care of your house while your away: When you're on vacation or away from home for a long weekend, it's nice to have someone you can rely on to water your plants, take care of your pets, and check to see if your house is secure. They can also make sure you don't have newspaper deliveries, packages, or mail piling up in front of your house.
  • Knowing a neighbor you can trust: Having someone nearby who can help you in an emergency, take care of your kids if you can't get home on time, or keep on eye on your house while you're away is a vital resource.
  • Senior citizens need a support network: As we age and become less able to get around like we used to, a helping hand can make a big difference in our lives. The psychological benefits of having a social life at an older age have also been well documented. Social contact enhances the quality of life for senior citizens and can even contribute to longevity.
If you've recently moved to a new community, it may be worth your while to join a couple organizations, take an adult education class, meet a few of your neighbors, and become active in the community. As songwriters, poets, philosophers, and spiritual leaders have reminded us for generations, everyone needs the help of other people in different stages of our lives. Seventeenth century English poet, John Donne, said it the mostly concisely when he wrote "No man is an island."

The process of selling your house may seem endless at times. Fortunately, there are many things that you can do to speed up your home selling timeline, and these are:

1. Conduct a House Inspection

Although a home inspection usually is requested by a buyer after a seller accepts an offer to purchase a house, you may want to conduct this evaluation before you list your residence. In fact, performing a home inspection now may help you identify assorted house problems that otherwise could slow you down later in the home selling process.

During a home inspection, a property expert will examine your residence both inside and out and offer an inspection report. Then, you can use the inspection report to prioritize various house improvement projects.

A home inspection ultimately gives you the insights you need to update your house to match buyers' expectations. As a result, a house inspection can help you quickly discover the best ways to improve your house and ensure you can reap the benefits of a fast, profitable home selling experience.

2. Analyze the Housing Market

The housing market fluctuates, and a market that favors buyers today may favor sellers tomorrow. Thankfully, a seller who performs a deep analysis of the housing market can differentiate between a buyer's and seller's market and prepare accordingly.

Take a look at the prices of available houses in your city or town that are similar to your own residence. This housing market information can help you understand the price range for comparable houses and enable you to establish a competitive initial home asking price.

Furthermore, check out the prices of recently sold homes in your area. This housing market data can help you determine whether you're about to enter a buyer's or seller's market.

3. Collaborate with a Real Estate Agent

You know you want to sell your house as quickly as possible, but there are many problems that you may encounter during the home selling journey. But if you hire a real estate agent, you can get the assistance you need to seamlessly navigate the home selling journey and optimize your home sale earnings.

A real estate agent will meet with you, learn about your home selling goals and offer a personalized home selling strategy. Plus, he or she will promote your residence to prospective buyers and set up home showings and open house events. And if you receive an offer to purchase your residence, a real estate agent will present this proposal to you and provide a recommendation about whether to accept, reject or counter it.

In addition, a real estate agent possesses comprehensive housing market expertise. If you have concerns or questions as you sell your house, a real estate agent can address them.

Don't wait to sell your house. Instead, reach out to a local real estate agent today, and you can receive the help you need to accelerate your home selling timeline.


14503 Chesham Ct, JACKSONVILLE, FL 32258  

Residential
$285,000
Price
3
Bedrooms
2
Baths
***MOVE IN READY**Stunning South Mandarin 3bed/2bath home in a family friendly established neighborhood on a desirable cul de sac street. This home features beautiful hardwood floors, designer lighting and finishes, spacious split bedroom floorplan, dual master closets and lives like a model home. There is a flex room with french doors ideal for an office or play room. Gorgeous dining room, large eat in kitchen with 42'' cabinets, 11 foot ceilings and crown moulding throughout. The home has a private fenced backyard with a great patio for hanging out with family. A new roof was installed 2017. Also, an Air Knight UV and dust filter was added to the AC in 2018, perfect for allergy sufferers. All appliances are included. Convenient to I-95 and I-295, Publix, Baptist South Hospital, Kohl's
Open House
Saturday
August 04 at 11:00AM to 2:00PM
Location: 14503 Chesham Ct, JACKSONVILLE, FL 32258   




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