Cornerstone’s Brenda Williamson discusses 3 common lending questions

November 27, 2019

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As loan officers, we hear all kinds of questions and “what ifs” pertaining to the lending process. Here are a few of those questions to which you may find surprising answers.

 

I’m buying my first home and my parents offered to pay my earnest money deposit. Is that okay?

 

While your parents are very generous, your earnest money check absolutely must come from your own checking or savings account, and it must be written on your own personal check. If you are unable to pay the earnest money needed at the time of contract (or someone offers to pay for you), it is crucial that you reach out to your loan officer immediately to discuss the best way to handle this.

 

Also, talk to your loan officer before accepting gift funds from a family member to help you buy a home. The donor will need to meet documentation requirements for the gift funds to be used.

 

We’re in the midst of buying a house and I’m thinking about asking for a raise at work. Is that okay?

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Davidson Realty helps support Volunteer Life Saving Corps at Deck the Chairs

November 26, 2019

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For the second year, Davidson Realty is proud to participate as a sponsor of Deck the Chairs at Jacksonville Beach!

 

The Deck the Chairs light display is a tradition that benefits Volunteer Life Saving Corps. Sponsorship proceeds helps the Corps to continue providing lifeguard services to our beaches.

 

 

Our display, titled “Santa’s Surf Shack,” was a true labor of love by the agents and staff at Davidson Realty. A team headed up by Sales & Training Manager Andrea Gallagher sketched and planned the design and Realtor Matt Roberts managed the construction. The team used Santa’s beach house from last year’s display and added standing surfboards, a new sign and a halfpipe “wave” that is perfect for photo ops!

 

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The Northeast Florida real estate trends remain positive in October!

November 25, 2019

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The Northeast Florida Association of Realtors market stats for October 2019 show continued strong buyer demand, prices increasing more slowly, and inventory of available homes continuing to decline.

 

There were 3,507 new listings in October which is 2.6% higher than last October and a year over year increase of 0.6%. However, the inventory of homes for sale of 8,807 is down 11.9% from last October.

It is the lowest inventory level since March 2018.

 

A Realtor.com article says, “National listing inventory continued to decline in September, posting a 2.5% year-to-year decrease – a faster rate of decline compared to August’s 1.8% decrease. Driven by strong demand and short supply, entry-level homes priced below $200,000 have been steadily decreasing since May 2014, a trend that continued in September with a yearly decline of 9.8%. Mid-market homes priced between $200,000 and $750,000 – the largest segment of inventory – flatlined in September with 0% growth, and they’re poised for their first decline next month.”

 

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Thanksgiving drive brings in more than 200 bags of donations for struggling families

November 19, 2019

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Last weekend, generous residents, customers and friends took time out of their busy weekend to donate groceries for my annual Thanksgiving drive at Heritage Landing!

 

More than 200 bags of donations were brought in addition to palates of drinks, household cleaners, paper towels and much more (in fact, this photo was taken just halfway through the drive!)

 

All donations went straight to the Emergency Services & Homeless Coalition of St. Johns County. The non-profit helps struggling families get back on their feet through food redistribution, clothing donations, neighborhood watch services and assistance accessing Medicaid, disability insurance and other resources. The Coalition also focuses on creating stability for the kids of its families with tutoring, after-school snacks, computer training, recreational activities and summer camps.

 

I want to thank each and every person who took the time and expense to donate!

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Davidson Networking Spotlight: Nicole Fletcher at Nicole’s Cleaning LLC

November 18, 2019

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Posted by in Events, News

For Nicole Fletcher, the path to career success included a detour through another field and lots of practice in her home life. Before launching Nicole’s Cleaning LLC, she followed her dream of working with money by studying to be an accountant.

 

“I realized that I wouldn’t be happy working with money unless it was mine,” said Nicole, noting that the coursework did help her next career. “The classes I took set me up to be able to run the books of my company, I just didn’t know what kind of business I wanted to have.”

 

The mother of four boys had become an expert in house cleaning, so she decided to utilize her expertise and enter the field. “I liked the idea of setting my own hours, when and where I would work and how much I could make,” Nicole said. “Now, I set the hours and I never have a day off.” She joked, “What a mean boss I have.”

 

Nicole recently took time out of her busy schedule to answer some questions about her business. Read on to learn more!

 

What sets you apart from other cleaning services?  My thought is, you are paying me to do a job you could easily do yourself, so I have to do it better than you would do it yourself. My attention to detail, doing what I would expect to be done if I was paying someone to do it and overall pride in my work sets my services apart.

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