Whether you have decided to purchase a home in the Jacksonville FL metro area or you are still in the decision making process, it is wise to learn all about the process of buying a home. Of course you will agree it is important to avoid common mistakes that home buyers make every day. After reading the following pages, you too will be able to recognize a “pitfall” when you see it!

Follow these links to learn about the various steps to take in purchasing your home:
The Home Buying Process
Financing your home.
All types of loans are available in the Jacksonville FL metro area, To determine the best one for you, takes a consultation with a good, reputable mortgage banker. Since mortgage people are not regulated in Florida it’s important to have a referral of someone you can trust, after all you will be sharing with them your most personal information.
How to Qualify for a home loan (mortgage)?
Qualify for your home mortgage by knowing what to bring to the loan application, it will shorten the process and make life so much easier for all involved…especially you!
Down payments for home loans can be obtained from various sources (much to the relief of your wealthy aunt!) Review these allowable sources for a down payment, perhaps you have more money to use toward your new home.
Do I need money “up front” before closing?
A short and simple answer is “yes!” How much depends on various things, learn about what that might be, and don’t forget to bring the checkbook!
Strategy for a home purchase should always include a pre-approved loan, prior to beginning to search for a house. You can never be too prepared to present your case when negotiating a home purchase. [Click Here for More]
Concern yourself with finding a good lender. Once you find a good lender, the best interest rates will follow! As will the service and actually having a closing to attend where the lender has delivered the mortgage funds. [Click Here for More]
What is PMI?
Private Mortgage Insurance used to be a fact of life for borrowers without a 20% down-payment. This discussion on PMI, what it is and if you can avoid paying it, should not be missed. [Click Here to Learn More about PMI]
In addition to your checkbook, you will need to bring the following information to the loan application. Your mortgage banker will ask for any additional items pertaining to your situation, if need be. Click Here for a Loan Application Checklist
What is a “reverse mortgage?”
After paying off a mortgage for all those years, don’t you think it’s time someone paid you! No joke, it is possible. Perhaps a reverse mortgage is just the answer for that senior citizen.
Now lets build a plan of action and find the right house for you!
Phew! I need a finance glossary!


Specializing in residential real estate we have several Team members that are knowledgeable about specific areas in Northeast Florida. By having several team members we can make sure each customers needs are met.
We also specialize in planned communities including golf, gated, PUD's, family, retirement and boating. Jacksonville, Orange Park, St Johns County, Fleming Island, and Clay County offer so many lifestyles.

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