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First Time Homebuyers: Jacksonville and Ponte Vedra Beach Florida home buying, real estate listings, and homes for sale in Duval County, FL

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors 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 and Ponte Vedra Beach 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. Please fill out the form below...

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Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

	See All Tips In The "Financing Your Home" Category >
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Q	What are considered the ideal conditions for a buyer's market?
A	In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices.
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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
4 Sawgrass Village Dr Suite 100C
Ponte Vedra Beach
Florida 32082
Toll Free: 1-800-999-0245
Ponte Vedra Beach: 904-273-0125
Jacksonville: 904-732-5530
Fax: 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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