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Refinance 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 to life or safety — call 911. If you cannot safely speak, try texting 911. Text-to-911 is not available everywhere; if it is not available where you are, you…
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 threat to life or safety — call 911. The Clay County Sheriff’s Office publishes 911 as “call or text.” Call if you can; text only if you cannot safely speak.…
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 to life or safety — call 911 first. If you cannot safely speak, try texting 911. Text-to-911 is not available everywhere; if it is not available where you are,…
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 threat to life or safety — call 911 first. If you cannot safely speak, try texting 911. Text-to-911 is not available everywhere; if it is not available where you are,…
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. Every link below goes to a full article we wrote, grouped by what you are actually trying to do. Available for qualified borrowers. Program guidelines apply and may change. Rates and terms are subject to change.…
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
How Northeast Florida homeowners access equity without giving up a low first mortgage rate: fixed-rate second mortgages, HELOCs, and cash-out refinances compared.
Read MoreInvestment Property Loans in Jacksonville, FL: A Complete Guide for Florida Investors
How investment property financing actually works in Northeast Florida – conventional, DSCR, bank statement, fix-and-flip, mixed-use and foreign national options, how rental income is counted, and the mistakes that cost investors money.
Read MoreVA Loans in Jacksonville, FL: The Complete Guide for Northeast Florida Veterans
A plain-English guide to VA home loans in Jacksonville and Northeast Florida from Nathan Young, a VA-approved lender since 2002 – eligibility, entitlement, funding fee, occupancy rules, Tidewater, IRRRL, and PCS timelines.
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