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First Time Homebuyers: Jacksonville, Orange Park and Clay County Florida home buying, real estate listings, and homes for sale in Duval County, FL

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Jacksonville, Orange Park and Clay County real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Financing Your Home >Your Financial Cushion

When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving.

First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing.

A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months.

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Q	What is the most unusual maintenance project done once each year in the United States?
A	The Niagara Falls is shut down for maintenance every year in the fall by diverting the flow of water for 24 hours using a massive series of pipes constructed in 1837.
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Celena Blunk and Pat Alters, REALTORŽ, real estate agents and broker for Jacksonville, Orange Park and Clay County Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Pat Alters and Celena Blunk
Keller Williams First Coast Realty
2233 Park Avenue suite 500
Orange Park, FL. 32073
Phone: (904) 264-7355
Toll Free: (800) 443-7115
Direct Fax: (904) 541-0317
Alt. Fax: 904-541-0175
Email: celenaandpat@NUMBER1EXPERT.com
Rely on The Team in Perpetual Motion for all your real estate needs. As a mother-daughter team and natives to Northeast Florida, Pat and Celena have been helping families buy and sell homes for over 40 combined years. Whether youre new to the area or a long time local, our experience and knowledge can help you find the dream home for your family. As a team your schedule is our schedule- Call us anytime for Service.

www.theteaminmotion.com is brought to you by Celena Blunk and Pat Alters
NUMBER1EXPERTS™ in real estate for Jacksonville, Orange Park and Clay County, Florida, Relocation, Waterfront Homes

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