Tuesday, December 17, 2013

Stay Safe During the Holidays! Security Tips

Stay Safe During the Holidays: 3 Security Tips for the Season
The holidays are an ideal time to celebrate with family and friends, but unfortunately, they are also a time when greater numbers of burglaries and break-ins occur. While we are busy shopping and attending holiday parties, or out of town visiting with family, our homes are prime targets for break-ins. The following tips can help you keep your home and its contents safe this holiday season.

1. Do not neglect basic security measures. Lock your doors and windows even when you are at home, and if you do not already have deadbolts on your doors, have them installed. Although most burglars prefer to enter an unoccupied home to avoid getting caught in the act, a break-in can happen when you are sleeping. Place your Christmas tree away from any windows, and close your window coverings at night and when you go out, so would-be thieves do not have an easy view of tempting gifts and other valuables. Install motion-activated exterior lights to make your home less attractive to burglars, since they would rather not be seen. Pull inside your garage before unloading large purchases from your vehicle, and always keep your garage door closed and locked.

2. Put today's security technology to good use. If you already have a security system, test it regularly to ensure that it is working properly, and then make sure that you set the alarm. If you do not own a home security system, having one installed before the holidays arrive could help you prevent a break-in. Thieves are less likely to prey on homes that have alarms and other security deterrents, because these devices increase the chances that they will get caught. Video security cameras can offer an additional layer of protection over the holidays, and if a break-in does happen, they can provide valuable evidence that can help police identify the responsible party. Check out www.securitycamerasdirect.com for more info on video security.

3. Plan any holiday travel with your home security in mind. Call the post office and have your mail held, and cancel your daily newspaper delivery to make it less obvious that the house is unoccupied. Never hide a spare key outdoors in a spot where thieves can find it. Instead, leave it with a trusted neighbor, make sure they have your alarm code, and ask them to park their car in your driveway occasionally while you are gone. Set some interior lights and a television on timers so thieves who are looking for an easy target will think someone is at home. Resist the urge to share your holiday travel details or photos on social media while you are away, and do not leave a greeting on your voice mail that indicates you are out of town.

Taking security precautions now can allow you to enjoy a safer, worry-free holiday that is filled with only the best the season has to offer.





Wednesday, November 20, 2013

Jacksonville Jaguars to have one of a kind stadium 2014

Jacksonville will soon become the home of the largest video screen in the world! Our beloved Jacksonville Jaguars received approval from the city council to proceed with their amazing stadium enhancements.  For a mere 63 million dollars, the Jaguars will now have the most exciting fan experience in the entire NFL!

The North end zone of beautiful EverBank field will become a warm Sunday afternoon oasis. Complete with several swimming pools and the best bar and food service in Northeast Florida; our fans will be the coolest fans in the country! The pool(s) will keep those hot Jaguar fans as cool as cucumbers.

Now for the amazing details. Are you ready for some football?  You better be at the Stadium and not at home stretched out on the couch! The LED scoreboards in each end zone, each measuring 55 by 301 feet, make them the largest of their kind in the world. If that isn’t enough of a view for you, there will be two sideline boards, each measuring 3.6 by 579 feet.  If that isn’t enough, there will also be two displays in the Bud Light Party Deck and above the Terrace Suites in the South End Zone, each measuring 3.6 by 106 feet! And for good measure, there will be two displays over the tunnels, each measuring 6 by 22 feet and one display in the North End Zone measuring 10 by 400 feet.

The families in Jacksonville Florida not only have the Jaguars to watch during football season, there is also the Gator Bowl, the World Cup Qualifier MLS Soccer game, and of course, the amazing Monster Truck show to enjoy. With the completion of the stadium upgrades, even more events will be scheduled.

Our EverBank field is in the heart of Jacksonville Florida and now it’s going to be the home of the very best fan experience in the world.

Just another reason to make Jacksonville YOUR home. Hurry up and get here! We’ll save you a seat at the Stadium.

Monday, November 4, 2013

Reduced price deep water home

Saturday, November 2, 2013

Wednesday, October 16, 2013

Mortgage defaulters may have to face the debt collectors now...

From Information, Inc

WASHINGTON – Oct. 16, 2013 – Fannie Mae and Freddie Mac have stepped up their program to collect unpaid mortgage debt from “strategic defaulters” – underwater homeowners who skipped out on their mortgage even though they had the ability to pay.
If a home is sold at foreclosure but the proceeds don’t cover the outstanding balance of the homeowner’s loan, the mortgage giants can pursue judgments against the homeowner forcing him or her to pay the deficiency. And the Federal Housing Finance Agency (FHFA) that regulates Fannie and Freddie is pushing them to step up their efforts.

FHFA says Fannie and Freddie haven’t been aggressive enough going after strategic defaulters; and, according to the inspector general, the mortgage giants could cut their losses by making it a priority – billions of dollars, the office says.

So far, the office says it has identified about 58,000 foreclosures that Freddie Mac did not refer for collection – and estimated deficiency of about $4.6 billion.

Some states do not allow deficiency judgments, but in more than 30 states and the District of Columbia, they’re permissible. Florida is one of the states that allows Fannie Mae and Freddie Mac to seek repayment of lost funds.
Going forward, FHFA says it will more closely monitor how effective Fannie Mae and Freddie Mac are in collecting deficiency judgments.

Source: “Fannie Mae, Freddie Mac to go after more strategic defaulters,” The Los Angeles Times (Oct. 13, 2013)

© Copyright 2013 INFORMATION, INC. Bethesda, MD (301) 215-4688

Wednesday, October 9, 2013

Deep Water Home Near Jacksonville Beach FL

Jacksonville Deep Water Home


Single Family Home
Main Features
4 Bedrooms
3 Bathrooms
Interior: 3,109 sqft
Lot: 14,400 sqft
4378 Seabreeze Dr
Jacksonville, FL 32250

Ronda Densford

Ronda Densford

Magnolia Properties
(904) 885-9907


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Friday, August 16, 2013

NEVER show your home without a MLS advance appointment

This is another example of how the bad guys can get very creative. You should get a phone call from your Brokerage or listing agent if your home is going to be shown. Never open your door to ANYONE that hasn't made an appointment.

Cops: Duo Pose as Agent, Buyer to Rob Homes

Wednesday, August 14, 2013

Obama administration pushes banks to make home loans to people with weaker credit

Once again the American dream may be available to those with less than stellar credit.

From The Washington Post 


The Obama administration is engaged in a broad push to make more home loans available to people with weaker credit, an effort that officials say will help power the economic recovery but that skeptics say could open the door to the risky lending that caused the housing crash in the first place.
President Obama’s economic advisers and outside experts say the nation’s much-celebrated housing rebound is leaving too many people behind, including young people looking to buy their first homes and individuals with credit records weakened by the recession.
More business news

In response, administration officials say they are working to get banks to lend to a wider range of borrowers by taking advantage of taxpayer-backed programs — including those offered by the Federal Housing Administration — that insure home loans against default.

Housing officials are urging the Justice Department to provide assurances to banks, which have become increasingly cautious, that they will not face legal or financial recriminations if they make loans to riskier borrowers who meet government standards but later default.
Officials are also encouraging lenders to use more subjective judgment in determining whether to offer a loan and are seeking to make it easier for people who owe more than their properties are worth to refinance at today’s low interest rates, among other steps.
Obama pledged in his State of the Union address to do more to make sure more Americans can enjoy the benefits of the housing recovery, but critics say encouraging banks to lend as broadly as the administration hopes will sow the seeds of another housing disaster and endanger taxpayer dollars.
“If that were to come to pass, that would open the floodgates to highly excessive risk and would send us right back on the same path we were just trying to recover from,” said Ed Pinto, a resident fellow at the American Enterprise Institute and former top executive at mortgage giant Fannie Mae.
Administration officials say they are looking only to allay unnecessary hesi­ta­tion among banks and encourage safe lending to borrowers who have the financial wherewithal to pay.
“There’s always a tension that you have to take seriously between providing clarity and rules of the road and not giving any opportunity to restart the kind of irresponsible lending that we saw in the mid-2000s,” said a senior administration official who was not authorized to speak on the record.
The administration’s efforts come in the midst of a housing market that has been surging for the past year but that has been delivering most of the benefits to established homeowners with high credit scores or to investors who have been behind a significant number of new purchases.
“If you were going to tell people in low-income and moderate-income communities and communities of color there was a housing recovery, they would look at you as if you had two heads,” said John Taylor, president of the National Community Reinvestment Coalition, a nonprofit housing organization. “It is very difficult for people of low and moderate incomes to refinance or buy homes.”

Thursday, March 28, 2013

Time to Sell Your Home in Jacksonville Beach??

The time to sell is a waiting game for some


By Megan Hopkins • March 21, 2013 •
Real estate is always a game of knowing when to make your move. With that in mind, industry experts suggest move-up buyers remain mindful of how quickly home prices appreciate while riding the current market recovery. For move-up buyers wanting to wait out rising home prices to ensure they can sell their current home at a maximum price, analysts say the value of such a move depends on when the homeowner purchased their current residence.

Daren Blomquist, vice president of RealtyTrac, says homeowners who purchased during the down market of the last two or three years would be wise to move up in 2013. "Because they bought near the bottom, these homeowners should have built up some good equity that can go toward the purchase of a new home, and waiting longer to build more equity likely won’t provide much advantage given that other homes that they might want to move up to will also be appreciating at roughly the same pace," said Blomquist. He added, "In addition, the low interest rates of 2013 are certainly not guaranteed to last forever."

According to data from the Mortgage Bankers Association, mortgage rates are expected to reach 4.4% in the next 12 months and the 20-year average could possibly hit as high as 6.5%. Real estate broker Redfin says this is precisely the reason why some homeowners wanting to sell their current home in lieu of finding a nicer one should not wait. While waiting a few years will most likely mean the selling price of the current home will be higher, it also means the price of the new home will rise as well. "If you're selling one house just to move up to another, it does you no good to wait for prices to rise — the price of the move-up home will increase faster than the price of the place you're leaving behind," said Redfin CEO Glenn Kelman. With that being said, Blomquist warns potential homebuyers against rushing to buy a home once they have sold their current home. According to RealtyTrac data, more foreclosure inventory will become available in the next six to 12 months in markets with rebounding foreclosure activity in 2012. Markets such as Florida, Illinois, Ohio, Pennsylvania, New York and New Jersy will see the strongest growth in foreclosure inventory, according to RealtyTrac. "Particularly in these markets it might be good for the move-up buyers to sell in the spring when inventories are still tight, rent or stay with family for a few months, and then buy in the fall when that additional foreclosure inventory is listed for sale," said Blomquist.
However, for homeowners who purchased near the peak of the housing market — in the past five to seven years — it’s probably better to wait for home prices to rise further before they sell and move up, Blomquist advises. "If these folks need to move because of a job or other reason, it is worth considering renting out the property in the short term to take advantage of the strong rental market," said Blomquist.

Thursday, March 21, 2013

West Beaches Price Cut 4/2

Super Location In Jacksonville


Single Family Home
Main Features
4 Bedrooms
2 Bathrooms
Interior: 2,001 sqft
Lot: 9,583 sqft
13143 Annandale Dr N
Jacksonville, FL 32225

To get updates on open home dates and other property events, please click the "Like" button below:

Ronda Densford

Ronda Densford

Magnolia Properties
(904) 885-9907


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Tuesday, February 26, 2013

Suffered a foreclosure? You can buy again!

NEW YORK – Feb. 26, 2013 – Many former homeowners who walked away from their homes in a “strategic default” are back on the market, eager to buy a home again. Owners who go through a strategic default choose to do so, calculating that the financial loss and any resulting hit in their credit report makes more sense than staying in a home that lost value.

Nearly 80 percent of strategic defaulters say they want to buy a home again within the next 12 months, according to a survey by YouWalkAway.com, a website that helps borrowers in the legal pitfalls of strategic default.

The market potential for these comeback homeowners could be huge: The number of eligible home buyers who have a foreclosure on their record will reach 1.5 million by the first quarter of 2014, according to data by Moody’s analytics.

Borrowers who defaulted on their mortgage during the recent recession may fare better at qualifying for a loan again than those who defaulted on multiple credit accounts and auto loans too, according to a study by TransUnion conducted in 2011.

“There appears to be a pocket of opportunity among mortgage-only defaulters that is not the result of excess liquidity, but rather the unique circumstances of the recent recession,” says Steve Chaouki, group vice president in TransUnion’s financial services business unit. “This new market segment that the recession created is an important one for lenders to understand. They have the potential, today, to be stronger and more reliable customers.”

Still, some comeback homeowners will have to wait. For example, the Federal Housing Administration requires homeowners who faced a foreclosure to wait three years before they can buy again while Fannie Mae and Freddie Mac require up to seven years for a strategic defaulter to wait to apply for a mortgage again.

Source: “They Bailed on Mortgage, but Now Want to Buy Again,” CNBC.com (Feb. 22, 2013)

© Copyright 2013 INFORMATION, INC. Bethesda, MD (301) 215-4688