JUST LISTED! 969 Ponte Vedra Blvd, Ponte Vedra Beach FL, 32082
Indulge in the pinnacle of beachfront luxury living with this stunning estate, perched atop 1.5 acres of pristine coastline with breathtaking panoramic views of the beach and 167' of ocean frontage - all from the highest elevation on the street. Impeccably designed and crafted, the interiors boast exquisite marble finishes, creating an aura of refined opulence that is both timeless and impressive. Host in style in the grand living room and spacious kitchen, complete with two butler's pantries and a wine conservatory, providing the perfect setting for entertaining guests. Stepping out onto the expansive deck space reveals a private oasis, with a sparkling pool, hot tub, astroturf backyard, and outdoor kitchen and grille area, all overlooking the pristine coastline. The guesthouse offers a private retreat, perfect for hosting family and friends, while an observatory deck provides unparalleled stargazing opportunities. Additional features include a private driveway, winding through the property's lush nature preserve, leading to a two-car garage with workshop and ample storage space throughout. Don't miss this rare opportunity to experience ultimate luxury beachfront living. Book your exclusive showing today.
ARIAL / STUNNING BEACH FRONT VIEWS:
PRIVATE DRIVEWAY/NATURE PRESERVE
As you enter this beachfront estate, you are greeted by a private driveway that winds through a lush nature preserve, creating a sense of tranquility and seclusion. The driveway is beautifully landscaped with native plants and trees, providing a serene welcome to the property. As you drive through the nature preserve, you will feel like you are miles away from the hustle and bustle of everyday life, surrounded by the beauty of nature. The nature preserve is home to a variety of local wildlife, including birds and small animals, making it the perfect place for nature lovers to explore.
In addition to the private driveway and garage, this beachfront estate also offers ample extra outdoor parking spaces for guests, ensuring that everyone has a place to park when visiting. The property also features serene outdoor spaces, perfect for meditation or yoga. Whether you are looking to practice yoga in the morning sun or meditate under the stars, the outdoor spaces in this beachfront estate provide the perfect setting. The private driveway and nature preserve offer a rare opportunity to enjoy the beauty of nature while living in the lap of luxury.
ENTRANCE / FRONT DOOR
As you approach the front door of this stunning beachfront estate, you are immediately struck by the beauty of the surroundings. The grand entrance is designed to impress, with a statement-making front door that sets the tone for the luxurious interiors. As you step inside, the foyer area greets you with breathtaking views of the ocean. The soaring ceilings and elegant marble floors create a sense of grandeur, while the natural light flooding in through the expansive windows illuminates the space. The foyer area seamlessly flows into the living spaces, creating an open and airy feel throughout the home. The front door and foyer area of this beachfront estate offer a warm and inviting welcome to all who enter, setting the stage for the luxurious living spaces that lie ahead.
FIRST FLOOR
KITCHEN AND BREAKFAST NOOK:
Prepare to indulge in the height of luxurious living with the stunning kitchen in this beachfront estate. A true chef's paradise, this kitchen features top-of-the-line appliances, pristine countertops, and an abundance of beautifully-crafted cabinetry. The opulence continues with not one, but two lavish butlers' pantries, complete with a wine conservatory and convenient laundry space. Designed with both function and elegance in mind, this kitchen also boasts a cozy informal living room, perfect for relaxing while meals are prepared. The window bench provides an inviting nook to curl up with a book while taking in the breathtaking panoramic views of the ocean. Step through the sliding glass doors onto the outdoor deck space, where you'll bask in the stunning pool and ocean views. This kitchen is the epitome of refined luxury and sets the standard for elegant living in this beachfront estate.
FORMAL LIVING ROOM:
The grand living room features soaring ceilings, floor-to-ceiling windows, and stunning views of the ocean. French doors open up to the expansive deck space, which faces the breathtaking oceanfront and provides an unparalleled view of the coastline. The outdoor deck space also features stairs that lead directly down to the beach, so you can step outside and feel the sand beneath your toes in seconds. Whether you're relaxing with a book or enjoying a morning coffee, the formal living room in this beachfront estate is the perfect place to do it in style.
FORMAL DINING ROOM
The dining room in this stunning beachfront estate is a sight to behold. The room is beautifully designed with elegant finishes, including stunning marble floors and a chandelier that adds a touch of glamour to the space. The dining room is spacious and perfect for hosting formal dinners or holiday gatherings. The room also features large windows, offering breathtaking views of the ocean and natural light that floods the space. The dining room is situated adjacent to the kitchen and living room, making it the perfect space for entertaining guests while enjoying delicious meals. The dining room in this beachfront estate is the perfect place to gather with family and friends, creating unforgettable memories that will last a lifetime.
FIRST FLOOR BEDROOM
The first floor bedroom in this stunning beachfront estate is a spacious retreat fit for royalty. With incredible ocean views and a mother-in-law kitchenette, it offers the perfect balance of comfort and convenience. The bedroom itself is large enough to accommodate a king-size bed, as well as additional seating and storage. The beautiful bathroom is a true oasis, with marble finishes and a separate walk-in shower. Whether you're getting ready for a day of sun and surf or winding down after a day of adventure, this bathroom is the perfect place to relax and rejuvenate. With stunning views of the ocean and direct access to the backyard, this first-floor bedroom is the perfect place to wake up each morning feeling refreshed and inspired.
SECOND FLOOR
MASTER BEDROOM / MASTER BATHROOM:
The master bedroom is a true masterpiece, with luxurious finishes and breathtaking views at every turn. As you enter the room, you'll be struck by the spaciousness and natural light that pours in from the large windows. The room is complete with a stairway leading up to a "Romeo and Juliet" style balcony, which overlooks the bedroom and provides a stunning view of the ocean. Additionally, an additional staircase leads to the observatory deck on the roof of the home, where you can stargaze under the clear Florida skies. The master bedroom also boasts a luxurious bathroom, complete with a soaking tub with panoramic views, walk-in shower, and dual vanities. The master walk-in closet offers ample storage space for all of your clothing and accessories, and even includes a laundry area for added convenience. The closet is thoughtfully designed with custom built-in shelving and drawers, providing plenty of space to keep your belongings organized. With the stunning views and luxurious amenities, the master bedroom in this beachfront estate is truly a dream come true.
SECOND FLOOR BEDROOM / BATHROOM:
The second floor bedroom in this beachfront estate is a stunning retreat, with breathtaking views of both the pool and ocean. As you step into the room, you'll be greeted by natural light pouring in from the balcony doors. The balcony provides the perfect vantage point to take in the stunning pool and ocean views. The bedroom itself is spacious and luxurious, with high ceilings and beautiful finishes throughout. Whether you're relaxing in bed or lounging on the balcony, you'll feel like you're living in paradise.
GUEST HOUSE:
The guesthouse is a private retreat, perfect for hosting family and friends. The guesthouse features a spacious bedroom with a king-sized bed, a private bathroom, and a fully equipped kitchenette. The guesthouse also has a private balcony, offering stunning views of the ocean.
OUTDOOR COURTYARD/ ENTERTAINMENT SPACE:
The outdoor space is an oasis of relaxation and tranquility, with a sparkling pool, hot tub, astroturf backyard, and outdoor kitchen and grille area. The expansive deck space is perfect for hosting summer barbecues or lounging in the sun, while the observatory deck offers unparalleled stargazing opportunities. The outdoor space is beautifully landscaped, offering a peaceful retreat from the hustle and bustle of everyday life.
This beachfront estate is the perfect place to call home, offering luxurious living in one of the most beautiful locations in the country.
BOOK YOUR PRIVATE SHOWING NOW!
CLICK HERE TO ARRANGE A PRIVATE TOUR OF THIS PROPERTY
How to Maximize Your Investment in Ponte Vedra Real Estate During The Players Championship
Are you considering investing in real estate in Ponte Vedra, FL? The week of The Players Championship may be the perfect time to make your move. Here's how you can maximize your investment during this exciting week:
Take advantage of increased rental income: With thousands of visitors descending upon Ponte Vedra for The Players Championship, there is a high demand for short-term rentals in the area. By investing in a rental property during this time, you can potentially earn higher rental income than during other times of the year.
Consider the long-term appreciation potential: Ponte Vedra is a highly desirable area with a strong real estate market. By investing in a property during The Players Championship, you could potentially benefit from long-term appreciation as the area continues to grow and develop.
Work with a knowledgeable local realtor: To truly maximize your investment potential, it's important to work with a realtor who knows the ins and outs of the Ponte Vedra real estate market. They can provide guidance on which areas and properties are most likely to offer the best returns, as well as help you navigate the buying process.
Be prepared for increased competition: The excitement of The Players Championship may also attract other investors to the area, so it's important to be prepared for increased competition. Work with your realtor to identify potential properties before they hit the market, and be prepared to act quickly when you find the right opportunity.
Look beyond The Players Championship: While investing during The Players Championship can be a smart move, it's also important to consider the long-term potential of the property beyond this one event. Look for properties in areas with strong rental demand and growth potential, even outside of the tournament week.
By keeping these tips in mind, you can maximize your investment potential during The Players Championship and beyond. Ponte Vedra is a highly desirable area with a lot to offer, and investing in real estate here can be a smart move for those looking for both short-term and long-term returns.
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Give Back While Moving: Top Furniture Donation Centers in Jacksonville, FL
Moving can be a stressful time, and one thing that can make it easier is knowing that your unwanted furniture is going to a good cause. Instead of throwing away your old furniture, consider donating it to a non-profit organization that can use it to help those in need in Jacksonville, FL. Not only will you be helping the community, but you'll also be reducing waste and minimizing your environmental impact. In this post, we'll explore some of the best non-profit donation centers for furniture when you're moving in Jacksonville.
Habijax ReStore
Habijax ReStore is a non-profit organization that accepts donations of furniture, appliances, and other household items. They sell these items at discounted prices to fund their mission of building affordable housing for those in need. Habijax ReStore offers free pickup for larger items in Jacksonville and surrounding areas.
The Salvation Army
The Salvation Army is a well-known non-profit organization that accepts donations of furniture, clothing, and other household items. The proceeds from the sale of these items go towards their mission of helping those in need, including providing food, shelter, and other services. The Salvation Army offers free pickup for larger items in Jacksonville and surrounding areas.
City Rescue Mission Thrift Store
The City Rescue Mission Thrift Store is a non-profit organization that accepts donations of furniture, clothing, and other household items. The proceeds from the sale of these items support the City Rescue Mission, which provides shelter, food, and other services to those in need in the Jacksonville area. The City Rescue Mission Thrift Store offers free pickup for larger items in Jacksonville and surrounding areas.
Clara White Mission
The Clara White Mission is a non-profit organization that accepts donations of furniture, clothing, and other household items. The proceeds from the sale of these items go towards supporting their mission of providing job training, education, and other services to those in need in the Jacksonville area. The Clara White Mission offers free pickup for larger items in Jacksonville and surrounding areas.
St. Vincent's Thrift Store
St. Vincent's Thrift Store is a non-profit organization that accepts donations of furniture, clothing, and other household items. The proceeds from the sale of these items support the St. Vincent's HealthCare Foundation, which provides healthcare services to those in need in the Jacksonville area. St. Vincent's Thrift Store offers free pickup for larger items in Jacksonville and surrounding areas.
In summary, Jacksonville's non-profit donation centers offer a great opportunity to make a positive impact on the community while decluttering your home during a move. Whether you choose Habijax ReStore, The Salvation Army, City Rescue Mission Thrift Store, Clara White Mission, or St. Vincent's Thrift Store, you'll be doing your part to help those in need and reduce waste. If you're interested in donating furniture, contact one of these organizations to learn more about their donation process and schedule a pickup.
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Exploring Ponte Vedra's Gated Communities: An Exclusive Lifestyle
Are you considering a move to Ponte Vedra, Florida? If so, you may be interested in learning about the area's gated communities. These exclusive communities offer a range of amenities, including golf courses, tennis courts, swimming pools, and beach access. In this post, we'll explore some of the top gated communities in Ponte Vedra and what they have to offer.
Sawgrass Players Club
Address: 10034 Golf Club Dr, Ponte Vedra Beach, FL 32082
Phone: (904) 273-3736
Website: https://www.sawgrassplayersclub.com/
Sawgrass Players Club is a gated community located within the larger Sawgrass development. It features a variety of homes, including single-family houses, townhomes, and condos. The community is known for its golf courses, including the TPC Sawgrass Stadium Course, which hosts the Players Championship each year.
Marsh Landing Country Club
Address: 25655 Marsh Landing Pkwy, Ponte Vedra Beach, FL 32082
Phone: (904) 285-6514
Website: https://www.marshlandingcc.com/
Marsh Landing Country Club is a gated community that offers a variety of homes, including single-family houses, condos, and townhomes. The community is located near the Intracoastal Waterway and features a private golf course, tennis courts, and a clubhouse.
The Plantation at Ponte Vedra Beach
Address: 101 Plantation Dr, Ponte Vedra Beach, FL 32082
Phone: (904) 543-2993
Website: https://www.theplantationpvb.com/
The Plantation at Ponte Vedra Beach is an exclusive gated community that offers luxury homes, a private golf course, and beach access. The community features a variety of amenities, including a clubhouse, tennis courts, a fitness center, and a swimming pool.
The Estates at Ponte Vedra Beach
Address: 225 Plantation Cir N, Ponte Vedra Beach, FL 32082
Phone: (904) 285-5550
Website: https://www.estatesatpontevedrabeach.com/
The Estates at Ponte Vedra Beach is a gated community near the Intracoastal Waterway. This community offers luxury homes on large lots, as well as a variety of amenities, including a clubhouse, a swimming pool, and a fitness center. Residents can also enjoy easy access to the Intracoastal Waterway and nearby beaches.
Oceanfront Estates
Address: Oceanfront Estates, Ponte Vedra Beach, FL 32082
Phone: N/A
Website: N/A
Oceanfront Estates is a small gated community located directly on the ocean. This community features custom-built homes with direct beach access. Residents can enjoy stunning ocean views and the sound of the waves from their homes.
Ponte Vedra by the Sea
Address: Ponte Vedra by the Sea, Ponte Vedra Beach, FL 32082
Phone: 904-242-0666
Website: https://pontevedrabythesea.communitysite.com/
Ponte Vedra by the Sea is a small gated community located near the ocean. This community features custom-built homes and easy beach access. Residents can enjoy the tranquility of the ocean and the natural beauty of the surrounding area.
Ponte Vedra Beach Oceanfront
Address: Ponte Vedra Beach Oceanfront, Ponte Vedra Beach, FL 32082
Phone: N/A
Website: N/A
Ponte Vedra Beach Oceanfront is a small gated community located directly on the ocean. This community features custom-built homes with direct beach access. Residents can enjoy breathtaking ocean views and easy access to the beach.
Ponte Vedra's gated communities offer an exclusive lifestyle with a range of amenities and beautiful surroundings. Whether you're looking for a luxury home with a private golf course or a beachfront property with direct beach access, Ponte Vedra's gated communities have something to offer. If you're interested in learning more, let’s get in touch!
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The Beauty of Fixer-Uppers: Turning a Diamond in the Rough into Your Dream Home
As a realtor in Jacksonville, I've seen firsthand the beauty of fixer-upper homes. These often-neglected properties have so much potential, and with a little bit of vision and effort, they can be transformed into stunning homes that perfectly fit your unique style and preferences.
The first step to successfully renovating a fixer-upper is to find the right property. This requires a keen eye and a thorough understanding of the Jacksonville market, and that's where my expertise comes in. As your trusted real estate agent, I can help you identify fixer-upper homes that have great potential and are within your budget.
Once you've found the right property, it's time to roll up your sleeves and get to work. While the renovation process can be daunting, it can also be incredibly rewarding. Whether you're tackling a major overhaul or simply giving a room a fresh coat of paint, there's a deep sense of satisfaction that comes from turning a diamond in the rough into your dream home.
One of the biggest benefits of fixing up a home is that you have the freedom to make it your own. Instead of being limited by the design choices of a previous owner, you can create a space that truly reflects your style and personality. From choosing the right paint colors to selecting the perfect light fixtures, every decision you make in the renovation process can be tailored to your unique taste.
Another benefit of fixer-upper homes is that they often have great potential for resale value. By making smart renovation choices and investing in quality materials and craftsmanship, you can increase the value of your property and potentially make a profit when it's time to sell.
If you're considering a fixer-upper home in Jacksonville, now is the time to take the leap. With my expertise and guidance, you can turn a neglected property into your dream home and potentially increase its resale value. So contact me today to learn more about your options and start your journey to creating a beautiful and unique space that you'll love for years to come.
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Buying a Home with Cash: Pros and Cons
As a real estate agent in Jacksonville, I get a lot of questions about buying a home with cash. While it may seem like a straightforward transaction, there are both pros and cons to this approach that you should consider before making a decision.
Let's start with the pros. Perhaps the biggest advantage of buying a home with cash is the ability to close the deal quickly. Without the need for financing or the typical mortgage process, you can often close on a home in a matter of days instead of weeks or even months. Additionally, you won't have to worry about mortgage payments, interest rates, or the risk of defaulting on a loan.
Another advantage of buying a home with cash is that it can give you more negotiating power. Sellers often prefer cash buyers because there are fewer uncertainties and potential complications. As a result, you may be able to negotiate a lower purchase price or other favorable terms.
However, there are also some cons to buying a home with cash. First and foremost, you will need a significant amount of money upfront, which may not be feasible for everyone. Additionally, if you tie up a large portion of your savings in a home purchase, you may miss out on other investment opportunities.
Another potential downside is that you won't have the tax benefits that come with a mortgage. Mortgage interest and property taxes are tax deductible, which can provide a significant financial advantage over time.
Finally, if you're planning on using your new home as an investment property, keep in mind that buying with cash may limit your potential for leveraging your investment and maximizing your return.
Ultimately, whether or not to buy a home with cash depends on your individual circumstances and goals. As a trusted real estate agent in Jacksonville, I can help you weigh the pros and cons and make an informed decision. Contact me today to learn more about your options and start your home buying journey.
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Tips for First-Time Home Buyers: What to Know Before You Buy
If you're a first-time home buyer in Jacksonville, Florida, there are a few things you should keep in mind as you begin your search for the perfect home.
First and foremost, it's important to have a clear idea of what you can afford. Jacksonville has a wide variety of homes available, from quaint starter homes to luxury properties, so it's important to understand what you can comfortably afford. Take a hard look at your finances and factor in other expenses like property taxes and home maintenance costs. Working with a local lender or mortgage broker who understands the Jacksonville market can be helpful.
Next, consider what kind of home you're looking for. Jacksonville is a large city with many different neighborhoods, each with its own unique character and amenities. Think about the number of bedrooms and bathrooms you need, the size of the yard, and any other amenities that are important to you. It's also a good idea to consider the location of the home, including proximity to schools, shopping, and transportation.
As you start your home search in Jacksonville, it's important to work with a knowledgeable and experienced real estate agent who can guide you through the process. Your agent can help you find homes that meet your criteria, and can provide guidance and support as you move forward with making an offer and closing the deal.
When it comes time to make an offer on a home in Jacksonville, be prepared to negotiate. The Jacksonville real estate market can be competitive, so it's important to understand that the initial price listed on a home is not necessarily the final price. Your real estate agent can help you determine a fair offer based on the current market conditions and other factors specific to the Jacksonville area.
Finally, once you've found the perfect home in Jacksonville and the deal is done, it's important to be prepared for the responsibilities that come with home ownership. This includes things like property maintenance, repairs, and upgrades. Jacksonville has a humid subtropical climate, so it's important to be prepared for the unique weather conditions and factors that come with owning a home in this area.
By following these tips and working with a knowledgeable team of professionals, you can make the process of buying your first home in Jacksonville a smooth and enjoyable experience. Happy house hunting!
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Moving On Up: How Real Estate Can Help You Achieve Your Goals
If you're like most people, you have dreams and goals that you're working toward. Maybe you're hoping to start a family, launch a business, or simply improve your quality of life. Whatever your aspirations may be, real estate can play a significant role in helping you achieve them.
One of the most powerful ways that real estate can help you achieve your goals is through financial stability. When you own a home, you have a tangible asset that can appreciate in value over time. This can provide a sense of security and long-term financial stability that is difficult to replicate in other types of investments. Plus, owning a home can also help you build equity, which can be used to fund future endeavors such as a business or education.
Real estate can also be a powerful tool for achieving your lifestyle goals. For example, if you're hoping to start a family, owning a home can provide a stable and secure environment for your children to grow up in. If you're an entrepreneur, owning a home can provide the space and flexibility you need to launch and grow your business. And if you simply want to enjoy a higher quality of life, owning a home can provide the space and amenities you need to live the life you've always wanted.
But beyond just the practical benefits of real estate, there is also something deeply fulfilling about owning a home. When you own a home, you have a space that is truly your own—a place that you can decorate, renovate, and make your own. This can provide a sense of pride and accomplishment that is truly life-changing.
Of course, achieving your real estate goals is not always easy. It requires a significant investment of time, money, and effort. But for those who are willing to put in the work, the rewards can be truly life-changing. Whether you're looking to buy your first home, upgrade to a larger home, or downsize to a smaller one, there is a perfect home out there for you.
So if you're ready to start moving on up and achieve your goals, start exploring the possibilities of real estate today. With the right mindset, resources, and support, you can find the perfect home to help you achieve all that you desire.
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How to Research the Best Neighborhood for YOU!
Research Phase of Buying a Home
Research the Neighborhoods
Make sure you spend time research the surrounding areas to figure out where is the best place to invest. Many people move to new states and don’t do enough research on the neighborhoods, schools, marketplace, shopping areas, and more.
Use these websites to help your search:
www.greatschools.org - look for the best schools
www.visitjacksonville.com - visit your future city's website
www.neighborhoodscout.com - local neighborhood stats and crime rates
www.jaxsherriff.org - crime rates from the local sherriff office
www.bestplaces.net - local neighborhoods
msc.fema.gov/portal/home - Flood Zones
Facebook groups in the area you want to live in
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Looking for a home? Why you NEED a Realtor
Buying a home is one of the most important financial purchases in a lifetime. It is essential to have an experienced agent in your corner, always looking out for your best interest. A buyer agent’s fiduciary responsibility is to represent the buyer and to ensure that they are protected.
After all, a seller has someone in their corner. Their agent's goal is to get the seller top dollar for their home. There is incredible value in having someone working for YOUR best interests when buying a home.
GETTING YOU IN THE DOOR
We will narrow down the homes that fit your unique wants and needs and get you in the door! I look at dozens of homes every week, and I can help you identify potential problems within a home.
•Are the surrounding homes well maintained?
•How much traffic is on the street?
•Is it conveniently located to schools, shopping, restaurants, & parks?
HANDLING CHALLENGING CONVERSATIONS
When repairs or changes in price need to be made, I will be your guide and with my team we will handle requesting for any repairs or changes in price to the sellers.
STAYING ON TOP OF THE PAPERWORK
Buying a home involves many types of documentation. I have the experience and knowledge to navigate real estate contracts. Ensuring that nothing is overlooked, and that you truly understand what a paper means before ever signing on the dotted line.
ON YOUR SIDE
A buyer’s agent will represent your best interests. With a pulse on the local market and a sound understanding of how various amenities effect the value of a home, we will make sure we submit a competitive offer on the right house for you.
NEIGHBORHOOD EXPERT
I work daily in neighborhoods with inspectors, contractors, and negotiating with sellers. I have the market knowledge you need to get you the home of your dreams at the best price! Understanding the local real estate market is essential when it comes time to make an offer on a house.
PROBLEM SOLVER
I will work hard to protect all of your interests and take on any issues that may arise throughout the entire process. I work tirelessly to make sure buying a home is a fun and stress-free process.
AFFORDABILITY
The seller typically pays the commission for both the seller’s agent and the buyer’s agent.
Want to buy a home and don’t know where to start? Click to download my Ultimate Buyer’s Guide
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Headed Towards a Housing Bubble?
At the beginning of 2022, 45% of home sellers voiced that they strongly believed a housing bubble was imminent. Home sellers and buyers who remember the Great Recession have justifiable concerns. However, this isn’t the housing bubble of years past.
Some facts to calm your nerves:
Mortgages aren’t structured like they were in the past. Now lenders are much stricter with who they lend to. They require higher credit scores and requirements.
Housing Inventory remains low. Freddie Mac estimates that the nation is 3 million homes short of meeting buyer demand.
Buyer demand is still high. People still want to buy homes.
Real Estate is a hedge against inflation. A homeowner can lock in their monthly homeowners mortgage payment. This will keep it steady amongst any rate hikes that could happen in the future.
This is a market correction, not a crash! A slight decrease in home prices will happen as the market readjusts from record highs.
*info based on NAR official research
Negotiations 101
Issues may arise after the home inspection, and those issues tend to result in another round of negotiations for credits or fixes.
1. Ask for a credit for the work that needs to be done. Most often the seller will prefer this rather than making the repairs themselves and possibly delaying the sale.
2. Think “big picture” and don’t sweat the small stuff. Tile that needs some caulking, or a leaky faucet can easily be fixed. Repairs are still up for negotiation and perhaps a small credit would help with closing costs.
3. Negotiations take time. We will have 7 days after inspection to negotiate. 3 more days after if we cant come to an agreement, we get our binder back and start shopping!
AFTER AN OFFER IS SUBMITTED
WE CAN:
•Accept the offer
•Decline the offer
If the offer isn’t close enough to your expectation and there is no need to further negotiate.
•Counter-offer
A counter offer is when you offer different terms to the buyer.
THE BUYER CAN THEN:
•Accept the counter-offer
•Decline the counter-offer
•Counter the the offer
You can negotiate back and forth as many times as needed until you can reach an agreement or someone chooses to walk away.
OFFER IS ACCEPTED
You will sign the purchase agreement and you are now officially under contract! This period of time is called the contingency period.
Now inspections, appraisals, or anything else built into your purchase agreement will take place.
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What to Know About Your Appraisal
Your lender will arrange for a third party appraiser to provide an independent estimate of the value of the house you are buying. The appraisal lets all parties involved know that the price is fair. It is very difficult to successfully contest your appraisal. If you are a seller, we want the property to appraise for at least the sale amount or more. An experienced agent demonstrates certain strategies to reveal value of the home prior to the appraisal. The loan file then moves on to the mortgage underwriter. If approved you will receive your final commitment letter that includes the final loan terms & percentage rates.
APPRAISAL COMES IN AT OR ABOVE SALE PRICE
You are in the clear, and closing can be begin!
APPRAISAL COMES IN BELOW SALE PRICE
Renegotiate the sale price with the buyer
Renegotiate with the buyer to cover the difference
Cancel and re-list
Consider an alternative all-cash offer
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Closing the Sale: What to Expect
Closing is when funds and documents are transferred in order to transfer ownership of the property to the buyer. The escrow officer will look over the contract and find out what payments are owed by who, prepare documents for closing, perform the closing, make sure all payoffs are completed, the buyer’s title is recorded, and that you receive payoffs that are due to you.
CLOSING DAY
Closing is when you sign ownership and insurance paperwork and you receive the keys to your new home! Typically, closing takes 25-30 days. During this time, purchase funds are held in escrow, where your money is held safe until the transaction is complete.
CLOSING DISCLOSURE
Lenders are required to provide you with a closing disclosure, at least 3 days before closing. This will show you what your final loan terms and closing costs will be. You will have three days to review the statement. This is done to ensure that there are no surprises at the closing table. If there is a significant discrepancy between the loan estimate and the closing disclosure, we must notify your lender and title company immediately.
FINAL WALK THROUGH
We will do a final walk through the home within 24 hours of closing to check the property’s condition. This final inspection takes about an hour. We will make sure any repair work that the seller agreed to make has been done.
We will be sure to:
• Test all appliances and make sure they are working properly
• Run the water in all the faucets and check for any possible leaks
• Open and close garage doors with opener
• Flush toilets
• Run the garbage disposal and exhaust fans
CLOSING TABLE
Who will be there:
• Your agent
• The seller (sometimes they sign early and dont need to attend)
• The seller’s agent (they may have signed early with the seller)
• Any real estate attorneys involved in the transaction
The closing typically happens at the title company. You will be signing lots of paper work so get your writing hand warmed up! Some of the papers you will be signing include: the deed of trust, promissory note, and other documents
CLOSING COSTS
Closing costs can vary depending on your home’s purchase price and where you are located. You can generally expect your closing costs to be around 3-5% of the home’s sales price.
BRING TO CLOSING
• Government-issued photo ID (please dont forget this one!)
• Copy of the sales contract (should already be at the title company)
• Homeowner’s insurance certificate (also should already be at the title company)
• Proof of funds to cover the remainder of the down payment and your closing costs
RECEIVE YOUR KEYS
Congratulations! It was a lot of hard work but you are now officially home owners!! Time to throw a party and get to know your new neighbors!
Need help looking for a home in Jacksonville or St. Augustine?
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What to Know About Your Home Inspection
During the inspection period, we will schedule an inspection with a reputable home inspector to do a thorough investigation of the home. This typically is required to take place 7-10 business days after signing the contract. Once this is complete, the inspector will provide us with a list of their findings. You can take the issues as-is or request the seller to address some or all of the findings. We will be mindful and reasonable on smaller items, while being very cautious and vigilant of potentially significant issues.
WHAT IS INCLUDED IN A HOME INSPECTION?
Roof & Components
Exterior & Siding
Basement
Foundation
Crawlspace
Structure
Heating & Cooling
Plumbing
Electrical
Attic & Insulation
Doors
Windows & Lighting
Appliances (limited)
Attached Garages
Garage Doors
Grading & Drainage
All Stairs
FAQ:
INSPECTION TIME FRAME
TYPICALLY 10-14 DAYS AFTER SIGNING CONTRACT.
NEGOTIATIONS USUALLY HAPPEN WITHIN 5 DAYS
COSTS
NO COST TO THE SELLER. THE BUYER WILL CHOOSE AND PURCHASE THE INSPECTION PERFORMED BY THE INSPECTOR OF THEIR CHOICE.
POSSIBLE OUTCOMES
INSPECTIONS AND POTENTIAL REPAIRS ARE USUALLY ONE OF THE TOP REASONS A SALE DOES NOT CLOSE.
COMMON PROBLEMS COULD BE
FOUNDATION, ELECTRICAL, PLUMBING, PESTS, STRUCTURAL, MOLD, OR RADON
UPON COMPLETION
BUYER CAN ACCEPT AS IS
BUYER CAN OFFER TO RENOGOTIATE
BUYER CAN CANCEL CONTRACT
How to Win Your Offer
BID COMPETITIVELY
Research comparable prices
to homes sold in the area
Seek advice from a trusted realtor
Bid with your max price
GAIN THE SELLERS TRUST BY BEING STRAIGHTFORWARD
Present all your documents to the seller with your first offer that makes a seller feel right about you as a buyer. Being transparent with the seller from the beginning by submitting your documents shows you are serious and not just kicking tires.
GET A DISCOUNT BY KEEPING YOUR OFFER CLEAN
Instead of offering a lowball price and asking the seller to pay for closing costs, and repairs add up what you think those will cost you and build it into your original offer.
SHORTER INSPECTION PERIOD
You can make the inspection period shorter to make your offer more attractive.
BE PREPARED FOR CLOSING COSTS
There are transaction fees involved in buying a home. You'll usually pay them at closing, when you transfer money to the seller and the seller transfers ownership of property. Closing costs can add up to 2% to 5% of the value of your home loan
DON’T DRAG YOUR FEET
Especially if it's a seller’s market, you’re going to have to act fast when it comes to scheduling showings and making offers. Even waiting just one day can make you lose your dream home.
Guide to Finding a Lender + Getting Preapproved
THE FIRST STEP: GET PREAPPROVED FIRST
This is the first step so that your realtor and sellers know you're a serious buyer (and you can afford to buy the house you are wanting! ) Being pre-approved, unlike being pre-qualified, means you've actually been approved by a lender for a specific loan amount. You will need to provide documented financial information (income, statements, assets, debt & credit reports etc.) to be reviewed & verified by the lender.
A pre-approval can help to speed up the closing process since much of your financial information is already collected and in the lender’s system.
PREAPPROVAL LETTER
Lenders typically check your credit before issuing a preapproval letter, and the letter may have an expiration date on it (typically 30 to 60 days).
UNDERSTAND YOUR LOAN OPTIONS
A conventional loan is very common and you’ll be able to buy a home with a minimum of 3% down payment.
VA loans are only for veterans, members of the armed forces, National Guard, and their spouses. With this loan, you’ll have to meet service requirements and such, but you won’t have to make a down payment.
FHA loans are less strict when it comes to your finances and credit score. The minimum down payment is 3.5% and your credit score can be as low as 580.
USDA loan also doesn’t require a down payment but this is subject to income restrictions.
MAXIMIZE YOUR CREDIT SCORE
Generally, to qualify for a home loan, you'll need good credit, a history of paying your bills on time, and a maximum debt-to-income (DTI) ratio of 43%
YOUR CREDIT SCORE
Payment history % 35
Credit utilization %30
Age of credit history %15
Credit mix/types of credit %10
Amount of new credit %10
QUESTIONS TO ASK WHEN SHOPPING FOR A LENDER
What types of home loans do you offer?
Which type of mortgage is best for me?
What will my interest percentage rate be?
What is the loan estimate?
Do you handle underwriting in-house?
What Is your average loan processing time?
What happens if my appraisal comes in low?
What might my monthly mortgage payment include?
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Best Questions to Ask at An Open House
ASK THESE QUESTIONS AT AN OPEN HOUSE:
How many offers has the seller received?
Why are they selling?
How long has the property been on the market?
When was the house built? Any updates?
How much are monthly utilities?
What are the neighbors like?
How are the local schools?
What’s the noise level in the neighborhood?
How motivated is the seller to sell the property?
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Costs to Buy a House?
WHAT ARE TYPICAL COSTS TO BUY A HOUSE?
- Earnest Money Deposit (Binder or Escrow Deposit) Typically 1-2% of the purchase price.
Home Inspection: Depends on Square Footage. Starting @ $400-600
Wood Destroying Organisms Report (WDO): Starting @$250
Pool Inspection: Starting @$300
Well lnspection: Starting @$300
Septic Inspection: Starting @$400
Mold Inspection: Starting @$300
Sewer Scope Inspection: Starting @$400
Radon: Starting @$500
Insurance Inspections: Wind Mitigation/4pt: Starting @$150
**Not all inspections are required or applicable to every property.**
- Appraisal: Approx $600
- Closing Costs: 3-5% of the Purchase Price
- Down Payment: Your lender will guide you depending on your type of loan (FHA, VA, Conventional, etc) but if you can pay 20% down you can avoid mortgage insurance.
Should I Buy or Rent?
Should I buy instead of rent?
If your’e asking this question, here are some benefits of owning instead of renting…
Tax breaks
Financial gains and equity
Stability
Security, privacy, independence
