Jacksonville Real Estate Agent

Fleming Island Plantation offers a sense of community and an active lifestyle with a variety of housing choices to meet your needs. Located in Orange Park (now Fleming Island, Fl) with entrances on Highway 17 and County Road 220, this location is convenient to Green Cove Springs, NAS Jax and Interstate 295.

On any given day you can drive through Fleming Island Plantation and see people enjoying their day. From people walking their dogs, riding their bike, jogging or just taking in some fresh air.

When you need to go shopping, you won’t have to go far. Within minutes you can drive to Home Depot, Walmart, Target, get your oil changed or grab a bite to eat. (there’s so many I can’t list them all) You can take an afternoon, go for a walk to enjoy pizza and ice cream at the shops located inside Fleming Island Plantation.

Amenities:

• Community pools including a water park
• Tennis
• Basketball
• Volleyball
• Playground
• Golf (requires separate fees)

 What’s Fleming Island real estate like? Here’s a list of villages within Fleming Island Plantation:

Gated Single Family Communities:

• Margaret’s Walk (Across Highway 17 from the last entrance to Fleming Island Plantation)
• River Hill Reserves

Condos and Villas:

• Carrington Place
• Lake Ridge Villas
• Autumn Glen

Single Family Homes:

• Woodlands
• Chatham Village
• Covington
• Amberwood
• Cypress Glen
• Heritage Oaks Trace
• Links
• Southern Links
• Fairway Village
• Thornhill

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

1013 Chapeltown Cir, N Jacksonville, Fl 32225

Wonderful floor plan, with seperate dining room and living room. Large eat in kitchen overlooking the family room with wood burning fireplace. Take a relaxing bath in the master bath garden tub. Step out back to a large backyard. Needs new carpet throughout.  4 bedrooms, 2 bathrooms with 2046 square feet. This is a short sale, lender approval required. Offered for only $178,000

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

Here’s what Jacksonville Real Estate in May 2008 looked like:

Here’s what Jacksonville Real Estate in May 2007 looked like:

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. It also does not include Jacksonville beach, Atlantic Beach or Neptune Beach. Information is deemed to be reliable, but is not guaranteed.

Read Also: Jacksonville Florida Real Estate: Market Watch April 2008 & 2007

Not much change in May 2008, although I do notice that the numbers for 2008 are starting to close the gap with the numbers in 2007. This could show us a  positive change for the real estate market in Jacksonville, however it will be at a slow gradual turtle pace. Given the fast upward swing of the real estate market in 2005, I can see how  the turtle does beat the hare in the end!

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

The first one really isn’t much of an alternative but needs to be discussed, however briefly…….

Do Nothing-  When you’re faced with the possibility of losing your Jacksonville home and your stress level has hit an all time high, you might want to throw in the towel, move out and let your house go into foreclosure. Then it’s over, done with, a chapter in the book written and time for the new chapter to begin (unless your house is sold for less than the loan amount at the auction and you receive a deficiency notice saying you still owe the difference) However, you’re faced with a foreclosure on your credit for about 7 years. It will be difficult to purchase a home again with foreclosure on your credit. You may decide not to buy a house, but having a foreclosure can affect other things, for example car insurance. You will pay more with poor credit then you would if you had good credit.

Refinance- You may be able to refinance your existing loan, however with the subprime lending in it’s current state, that may be difficult or nearly impossible.

Reinstatement- You pay the entire default amount including attorney fees, late fees, before your house goes to auction.

Loan Modification- Your mortgage company may be able to extend the terms of your loan. 

Forbearance- The lender may agree to provide a temporary payment reduction or suspension of payments.

Partial Claim- A loan from the lender for a second loan to include back payments, costs and fees. 

Deed in lieu of foreclosure- You give the property back to your lender without going to foreclosure. This option could be as damaging to your credit as a foreclosure.

Bankruptcy- This could allow you more time and get rid of some of your debt. This may affect your credit for 7-10 years.

Sale- You can sell your home before your house goes to auction, it’s possible to sell it even if you don’t have enough equity. Your agent may be able to negotiate a short sale (when the bank accepts less than what you owe on your mortgage) with your lender.

If your facing foreclosure or just having a hard time making your payments, contact me  and we will discuss your options!

Read also: Jacksonville Florida Market Reports

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

Down Payment Assistance Programs in Jacksonville and Orange Park

With mortgage lenders tightening their credit standards and people not qualifying for 100% financing as often as years past, you may think that homeownership is slipping out of your reach.

That may not be the case!

If you’re a first time homebuyer in Jacksonville and Orange Park Florida, you may qualify for down payment assistance. There are credit and income restrictions for some programs.

If you’re looking to buy a house in Jacksonville, you can research what the income and credit restrictions are, using the Jacksonville down payment assistance website, also know as the Jacksonville SHIP program.

If you’re looking in Orange Park or other parts of Clay County to buy a home, you will want to check out the Clay County SHIP program. 

There are additional bond money you may qualify for. I have access to local mortgage lenders, who specialize in loans utilizing down payment assistance programs.

The are also non profit organizations that offer down payment assistance. With these programs, you do not have to be a first time homebuyer and there are not any credit or income restrictions. As long as you qualify for a loan that allows gift funds, you can utilize these programs. Ameridream and Nehemiah are two, I’ve had experience with.  

There are certain criteria you have to follow when purchasing a home in Jacksonville and Orange Park using some of the down payment assistance programs. I can help you follow the criteria as well as guide you through the home buying process. You can call me direct at 904-910-3516 or contact me via internet.

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida