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Find Your Home: Jacksonville and Ponte Vedra Beach Florida home buying, real estate listings, and homes for sale in Duval County, FL

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As top Jacksonville and Ponte Vedra Beach Realtors, we make it our business to be aware of every local home or property on the market. We even know of properties that will be available, but have yet to formally be placed on the market.

We have direct access to the Jacksonville and Ponte Vedra Beach area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings.

If you give us some idea of what you are looking for, we will personally review all our sources of real estate listing information and send you everything within your price range that matches your criteria. We can save you a great deal of time!

This is a totally free service, and there is no obligation. It's part of our job to offer services like this to homebuyers.

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Financing Your Home >Convertible ARMs

Many lenders are offering a type of Adjustable Rate Mortgage which will allow the buyers to convert their ARM to a fixed-rate mortgage without the expense of refinancing. There are several variations of this type of loan, so you should be informed about the various options before you decide on a loan.

Each lender places restrictions on when the ARM can be converted to a fixed-rate loan. Some allow a conversion after the first year of the mortgage, while others allow a change only on the rate adjustment dates. There is usually a fee for converting the mortgage, but it is much less than the cost of refinancing. The rate that you will pay after the conversion may be slightly higher than the going rate for fixed-rate mortgages. A real estate agent can provide you with a list of lenders who offer convertible ARMs, so that you can shop for the one that is best for you.

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Q	How can you give your home the equivalent of sunglasses?
A	Install low "E" squared glass filters sunlight, saves on energy costs and prevents fading of furniture, drapes and carpets.
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Phyllis Frankel Realty Group, REALTORŽ, real estate agents and broker for Jacksonville and Ponte Vedra Beach Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Phyllis Frankel
Phyllis Frankel Realty Group
100 Executive Way Suite 114
Ponte Vedra Beach
Florida 32082
1-800-999-0245
904-273-0125
904-732-5530
904-273-2475
phyllis@frankelrealty.com
When the going gets tough, count on Phyllis Frankel, GRI, CRS, CRP, to get going and sell your home or find the new home of your dreams. It cost no more to use a Top Producer. Let Phyllis Frankel be your agent for Ponte Vedra Beach, Jacksonville and its surrounding areas. With over 28 years of experience and over 2500 homes sold, she has a proven plan to help serve you better. She has earned many local and national designations including #1 in Northeast Florida, The Stanley Norton Award for the Largest Dollar Volume of Residential Sales from the Jacksonville Association of Realtors and the Sales and Marketing Award given by the Sales and Meeting Executives of Jacksonville. When the going gets tough, count on Phyllis Frankel, GRI, CRS, CRP, to get going and sell your home or find the new home of your dreams. Phyllis Frankel has sold a home every 2 1/2 Days, isn't it time you called Phyllis?

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