Jacksonville Real Estate Agent

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 

As a seller wanting to sell your Jacksonville real estate, you want to get the most out of your home. What most sellers do is price high and let the buyer bring them an offer. It sounds good but it will cause you to lose thousands of dollars.

FACT: Buyers are not going to waste time looking at overpriced listings.

Think about it, in today’s market buyers have literally hundreds of houses to choose from. They are not going to go and personally look at every single home, it would take too much time. They’re going to pick the best ones based on what they’re looking for: bedrooms, bathrooms, neighborhoods, etc… Then they’re looking for a deal. As a buyer, what would you do?

Let me show you an example: Let’s say there are 5 homes in a neighborhood that fits the buyer’s needs. One is your home, overpriced, but hoping for a buyer to bring an offer and 4 others which are priced competitively. Which houses are they going to go look at? Assuming they have been looking for a couple of weeks, have seen 20 plus houses and are wanting to get their piece of real estate in Jacksonville. They’re going to look at the ones priced competitive and not give yours a second glance.

FACT: Buyers see an overpriced listing and assume the seller will be unrealistic in all their negotiations.

Now you may be saying, I’ll gradually lower my price, it won’t seem like such a shock. All you’re doing is prolonging the inevitable and reducing your net even more.  Here’s why:

FACT: By chasing the pack, you set yourself up for a lower net.

You’re chasing the pack (competing houses priced competitively) By chasing the pack you’re never getting a second glance from a prospective buyer because the pack is where the deals are. If some houses in the pack are owned by desperate sellers they keep lowering their price, the rest of the pack follows suit. As those homes sell (desperate owners, meaning short sales, foreclosures or other desperate situations) they cause the values to decline because they are representing what a buyer will pay. So, even if you were able to get a contract on your home, chances are good, the appraisal will come back low and if you want to sell, you’ll still have to lower your price.

If you’re thinking about selling and you want to talk to an agent who won’t lie to you just to list your home, then call me directly at 904-910-3516 or contact me via the 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 

Here’s what Clay County Real Estate in March 2008 looked like:

Here’s what Clay County Real Estate in March 2007 looked like:

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. Information is deemed to be reliable, but is not guaranteed.

Pam Graham

904-910-3516 

Vanguard Realty, GMAC Real Estate

3168 Highway 17,s

Orange Park, FL 32003

Licensed Real Estate Agent in Florida 

This covers Orange Park, Middleburg and Green Cove Springs

Here’s what Clay County Real Estate in February 2008 looked like:

Here’s what Clay County Real Estate in February 2007 looked like:

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. Information is deemed to be reliable, but is not guaranteed.

 This covers Orange Park, Middleburg and Green Cove Springs

Here’s what Clay County Real Estate in January 2008 looked like:

Here’s what Clay County Real Estate in January 2007 looked like:

These figures are based on residential homes (single family, town homes & attached). They exclude condos, commercial property and vacant land. Information is deemed to be reliable, but is not guaranteed.