Florida Homestead Exemption: What It’s Worth in 2026 and What Changes in November
The Florida homestead exemption for 2026: what it saves, the Save Our Homes cap, portability, the March 1 deadline, and what Amendment 3 would change.
Read MoreFlorida Amendment 3 Explained: What It Means for Northeast Florida Homeowners and Buyers
Florida’s Amendment 3 goes to voters November 3, 2026. What it would change, why December 31 is a residency date rather than a purchase date, and what it could mean in Duval County.
Read MoreRefinance Closing Costs in Florida: The Two Taxes Nobody Puts in the Calculator
Florida charges two state taxes on every refinance that national calculators leave out — about $5.50 per $1,000 borrowed. Here is what that means for your break-even.
Read MoreNassau County Emergency Numbers and Homeowner Resource Guide
In a life-threatening emergency, call 911. Fire, a serious medical emergency, a crime in progress, a downed power line, an ocean rescue or any immediate threat…
Read MoreClay County Emergency Numbers and Homeowner Resource Guide
In a life-threatening emergency, call 911. Fire, a serious medical emergency, a crime in progress, a downed power line, a dangerous animal or any immediate…
Read MoreDuval County Emergency Numbers and Jacksonville Homeowner Guide
In a life-threatening emergency, call 911. Fire, a serious medical emergency, a crime in progress, a downed power line, an ocean rescue or any immediate threat…
Read MoreSt. Johns County Emergency Numbers and Homeowner Resource Guide
In a life-threatening emergency, call 911. Fire, a serious medical emergency, a crime in progress, a dangerous animal, a downed power line, or any immediate…
Read MoreThe Florida Mortgage Guide: Every Answer in One Place
This is the Florida mortgage guide we point clients to when they want the whole picture in one place.
Read MoreAdam Sems: The Jacksonville REALTOR We Trust With Our Clients
Adam Sems is a Jacksonville REALTOR and Air Force veteran serving Northeast Florida and Daytona Beach. Meet our agent partner for buyers and sellers.
Read MoreHome Equity Loans, HELOCs, and Second Mortgages in Jacksonville, FL: The Complete Guide
If you own a home in Northeast Florida and you bought or refinanced when rates were in the twos or threes, you are sitting on two things at once: a mortgage you should not give up, and equity you may want to use. Those two facts are in tension, and resolving that tension is most…
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