Brick front home in a quiet Subdivision. Cul de sac. Lot, Enclosed Florida room (Heated and cooled) backs to a wooded preserve. This home requires Flood Ins. (Though it wouldn't appear to need it)Traditional floor plan brick fireplace, very cozy home.

Directions: From I-295 go South to Camp Francis Johnson Rd. turn right, proceed through the entrance to Fox Chase to Darwin Ct on left.

Listing: Courtesy of DAVID GAUTHIER of KELLER WILLIAMS REALTY ATLANTIC

Beautiful home in a great neighborhood,Minutes from Jacksonville Beach, shopping center, desirable area and house.Master suite on the first floor,Upgrade with Hardwood floor,home theater,security system, summer kitchen, Krystal chandelier, water softer,crowing molding,brick curb building around the exterior of the house. Other 3 bedroom in second floor.Great curb appeal in this neighborhood.Seller owned not a short sale. It can close quickly. Make an offer with pre-approved letter.

Directions: From Kernan Blvd and Beach Blvd. Go East on Beach Blvd for 0.9 miles. Turn right into the Highland Glen Subdivision. Turn Right on Highland Glen Way N. Follow the curve and the house is on the right.

Listing: Courtesy of PUSHPA VERMA of INI REALTY INVESTMENTS, INC.

Superb opportunity to own this home in a superb S. Jax Beach location. Walking distance to Seabreeze Elementary School & Beaches Baptist Hospital. Golf cart ride to Jax Beach Golf Course, Starbucks & Fine Dining. Bike ride distance to enjoying wide white sand Jacksonville Beaches & Hugenot Tennis Courts. And perfectly located to take advantage of J.Turner Butler Blvd. to I-95, Jax Airport & the entire southeast. This home is the cherry on top. Beautifully remodeled kitchen including refurbished cabinets, ''Maytag'' icemaker refrig. smoothtop range & dishwasher. Other highlights in no particular order include: walk in closets, wood burning fireplace, new light fixtures, newer thermopane windows, ''Moen'' plumbing fixtures in kitchen, 2 car garage & enormous rear yard with utility shed/works

Directions: N. on A1A from JTB turn left & head west on Osceola. Then turn right on America Ave. Then turn left on Seabreeze Ave. Follow until you enter ''Seabreeze Woods'' & turn left onto Trudee Dee Lane to #10
 

Listing: Courtesy of STEPHEN B WILLIAMS of EDGEWATER COMPANIES INC

THIS IS NOT A SHORT SALE. Beautiful 3/2 home very clean and well maintained property.Plantation blinds and an enclosed patio for coffee or just plain relaxation.Located near Avenues mall and close to 9A and 95 freeways.

Directions: From 9A exit on Philips Hwy,go West to R on Fortune Pkwy(st. before Southside Blvd)to R on McLaurin , to R on Deer Cove then L on Fawn Lake to house on left.

Listing: Courtesy of REYNALDO LEJANO of INI REALTY INVESTMENTS, INC.

TAKE A LOOK! Great starter home. New Sprinkler system, plumbing, Brand new 15 sear AC & Heat. Charming off grade ranch style brick home on corner lot with hardwood floors, newer windows. Close to Boon Park and playgrounds. Walk to shops of Avondale. New Paint. Shows great. Use standard lockbox.

Directions: From Roosevelt N on Park to Pinegrove R to property, corner of Valencia

Listing: Courtesy of ALEXANDER BORISS of OPTION 3 REALTY INC

New construction to be built by Florida Design Build, Inc. Their plans or yours. Architect on staff for any changes or drawing your own ''DREAM''.

Directions: CR-210 just over ICW Bridge, west side, left into Marsh Harbor thru gate right on Harbor Lights to 2nd lot past pool.

Listing: Courtesy of BARBARA GALVIN of EAST COAST REALTY JACKSONVILLE

Nice 3/2.5 immaculately maintained, with open kitchen and laminate light wood in kitchen, separate dining room and master on ground floor. Garden style tub nice walk in closet and separate double vanitiy. Dual ac units for energy efficiency. Other two bedrooms upstairs with nice sized bedrooms. Computer desk built in downstairs and indoor laundry. You wont be dissapointed in this home. This home is SHORT SALE BASED ON LIENHOLDER APPROVAL. ONE LIENHOLDER.

Directions: 9a south exit Phillips Highway go left to Greenland Rd. go right to entrance to Greenland Chase 1 mile down on left.

Listing: Courtesy of KATRIN J RABREN of INI REALTY INVESTMENTS, INC.

Great starter home, needs some TLC but great price for area and neighborhood, has a very small leak on roof that will be taken care of by contractor with approved sale of home.

Directions: East on Beach Blvd, left on Kernan Blvd, turn left on Alden Rd, turn left into Longmont Dr, into Savannah Creek neighborhood, left on Longmont Lane East follow around corner until end of cul-da-sac

Listing: Courtesy of MARC BIOLLEY of INI REALTY INVESTMENTS, INC.

Lakeside and pool home in Sawgrass CC. Water views from all windows, makes you feel your on a boat! Very open and spacious plan with upgrades in kitchen and bathrooms.

Directions: A1A to Saqwgrass CC south gate. Thru gate to first left (Preston Tr) then first right. Home on the left.

Listing: Courtesy of ROBERT KEARNEY of KEARNEY REAL ESTATE SERVICES

Affordability is at a historic high due to low home prices coupled with historically low interest rates. You may not be aware of how much interest rates can change how much you pay for a home. Over a 30 year period you pay nearly $100,000.00 more for a $200,000.00 home when your interest rate goes from 5 - 7%. You could purchase a second home or an investment property for that kind of money. I think it’s important to know that interest rates averaged 7 – 9% over a 40 year period.

Leverage is another thing buyers have going for them during the winter months. It's already a buyer’s market but during the winter months there are fewer buyers in the market which mean the buyers who are able and willing to purchase real estate have more leverage due to even less competition.

Interest rates have already started to rise and experts say it’s likely they will continue to do so and more buyers will enter the market in a couple months. There is a good chance conditions will not be this ripe for buyers for some time to come, if ever.

The real estate agents at The Whalen Team are currently helping buyers negotiate very low prices on homes, town homes and condos that buyers typically compete over. Call or email today to get your free list of foreclosure, short sale and motivated seller listings. Let's get started on finding your great deal today!!

(904) BUY-HOME 289-4663 | www.TheWhalenTeam.com | info@TheWhalenTeam.com

To make sure you aren't let down by missing out on the perfect home, take the time to get fully approved for a loan prior to searching for your new home. There is a big difference between pre-qualification and pre-approval. To be pre-qualified means you have spoken with a mortgage originator who has reviewed your credit and collected information from you verbally. To be pre-approved means you have supplied the mortgage originator with documentation to support what you verbally conveyed to him. The mortgage originator then submits your credit report and ALL your documentation to a mortgage underwriter who verifies your qualifications. Once the underwriter verifies all loan requirements have been met, you are ready to start searching for that perfect home.

If you would like to begin the pre-approval process, click on the following link and fill out the form. One of our team members will contact you within 24 hours to complete the process. Mortgage pre-approval



Florida’s once-roaring real estate market went into retreat in 2008, spiking unemployment and draining much of the property-tax revenue cities and counties depend on to finance government. Residential property is leading the comeback – as feeble as it may be – with values for both homesteaded and investment property expected to gain slightly in 2011.

But still down: agricultural and commercial space, which will decline again next year, economists said.

Source: News Service of Florida

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

Andrew C. Whalen, P.A.

The Whalen Team

(904) BUY-HOME 289-4663

Info@TheWhalenTeam.com

www.TheWhalenTeam.com