Collection alternatives if you cannot pay the tax debt We know the story: things are tight financially, so you either (1) do not file the tax return, or (2) file the return but don’t pay the balance due. But do not worry, you tell yourself, next year will be better. Now it is 2-3 years later and a letter arrives from the IRS, and the threats start, and maybe it has even gotten to the point of actual levy and seizure activity. Now the IRS is wreaking havoc on your financial life and you simply do not know what to do. We know. We have helped many clients through that exact scenario. Fear not, there is a light at the end of the tunnel. Table of Contents Collection alternatives if you cannot pay the tax debt Installment Agreement Uncollectable Status Offer-in-Compromise As it turns out the ... 10/10/2020

Protecting Your Family While Selling Your Homein A Covid WorldYou may have heard, that the inventory levels in Northeast Florida real estate market is very low. We are seeing even more multiple offers situations and houses going under contract quickly.If they’re priced right and not ugly, of course. Levels like we saw in 2005, even lower! So that means we need more houses for the current buyer demand. I think a big reason we have such a small amount of homes on the market is due to owners being nervous about listing their home, and opening it up to strangers who may or may not have the virus.That’s very understandable and while I’ll be talking about ways to protect you and your family in this blog post, I am not going to guilt you into listing and tell you that it’s perfectly safe. That... 10/07/2020

5 Things To Do Before You Put Your House Up For Sale   Welcome to my blog! I'm a real estate agent in Northeast Florida and I write seller and buyer tips, plus information about the area, which includes Jacksonville, Orange Park, Fleming Island, Middleburg, Green Cove Springs, St Johns County and the Beaches.Today's blog post is about 5 things you should do before you put your house on the market. There's more than 5, but these are the biggies.  Where To When What's your end game? Where are you going when your home closes? Do you need to close on your current house before you can buy your next one? If you need to sell before you can buy, what will you do if you can't find a home to buy right away? I know I just threw a bunch of questions at you, some that may have made your anxiety leve... 10/07/2020

The Difference Between Being Pre-Qualified & Pre-Approved for a MortgageToday’s blog I’m going to talk about the difference between between being pre-qualified and pre-approved for a mortgage. Going home searching without a preapproval is like going outside without any clothes on, OK that might be a little more extreme, because you’re not gonna get arrested for not having a preapproval letter, but wearing clothes and being pre approved will get ya closer to home ownership. 😁Let’s talk about pre-qualification. This can be as simple as giving the lender your numbers over the phone or even online. Numbers meaning income, debts or assets. Nothing verified. Usually no credit pulled. Pre approval is where you gotta prove your numbers via bank statements, pay stubs, credit reports, employment ... 09/23/2020

Down Payment Assistance Programs in Northeast FloridaSometimes that can seem a little overwhelming or you might think you need a ton of money to buy a home. Not so at all. Right now, there are around 5 different programs. I won’t go through all of them in this blog, but, check this link with the a flyer of the various progra Down Payment Assistance Programs Some can be in the form of a 2nd mortgage. Some are forgiven and some are not. Forgiven? You’re wondering if you have to give some kind of confession aren’t you? Nope, no worries you’re good, that’s not the kind of forgiveness I’m talking about. 🤣 🤣 Forgiven means that after a certain set are terms or rules are met, you no longer owe the down payment assistance portion. So for example, one program is 3 or 4% of the purchase price tha... 09/18/2020

Home values keep rising, and we are firmly planted in the midst of a seller's market here in Jacksonville FL.COVID has had NO negative effect on the selling prices of homes in the Jacksonville Metro area.In fact, it’s quite the opposite. Low inventory and high demand (due to historically low interest rates) has put upward pressure on list prices, and appraisals are holding steady. Per the NEFAR stats for June 2020, the sales prices of homes in the market has risen 5.4% year-over-year. That is an increase from growth of 5.2% for the same time period year-over-year, 2018-2019.  So, even though we are in the midst of a pandemic, home sale prices in the metro area are strong, and appraisals have not quashed growth.If you’ve been in your home 3 years or more, chances are you’re sitting on po... 07/14/2020

 FIND OUT MORE!  05/21/2020

Mike and Cindy Jones Jacksonville Real Estate Agents just SOLD another house in Jacksonville in the Mandarin area in record time and for the highest price per square foot in this neighborhood since the crash in 2008. We did some pre-marketing on this house prior to putting it on the market and while we were waiting for the photos to be professionallty done, the web sites to be built out and the video to be shot. When it did finally hit the market the repsonse was incredible. Constant showings keep the sellers busy for two days. We recieved multiple offers and the first offer hit the table in just 6 hours. After it was said and done the sellers accepted a full price cash offer on the second day.... we closed April 1st even amidst the Covid 19 pandemic. Buyers are still out buying homes a... 04/03/2020

Facing foreclosure? Did you know you own your home all the way up to the day it forecloses? There are several ways to stop foreclosure and keep your home. Here's How:  STOP FORECLOSURE TODAY! 03/05/2020

Jacksonville, Florida real estate continues to boom on! 2019 closed with sellers enjoying quick marketing times and ever rising prices, with no end in sight! GET THE FULL SCOOP HERE! 01/20/2020

Living in Jacksonville Florida you'll find there are plenty of things to do. Tillie Fowler Regional Park is a fantastic place to take the family and pets to spend the day. Best of all it's free and you'll enjoy hiking trails, an observation tower, mountain biking trails, an archery club, playgrounds and picnic areas and even a community learning center. It's located on Roosevelt Blvd just across from the main gate at NAS Jacksonville at Tillie K. Fowler Regional Park7000 Roosevelt Blvd Jacksonville FL 32244Search all houses for sale in Jacksonville Fl and the BeachesSubscribe to our YouTube channelWe're on Facebook And TwitterInstagram Blog Mike & Cindy Jones, Jacksonville Real Estate Agents, Berkshire Hathaway HomeServices Florida Network Realty3627 St Johns AvenueJacksonville, FL 3220... 11/18/2019

     PRICE JUST REDUCED TO $193,500! Home Sweet Home! Beautiful brick front home at the end of a cul de sac. Split bedrooms. Large family room and eat in space in kitchen. Fireplace. Large family room and formal living room which could be used as an office. Enjoy the privacy in your backyard and entertain on your patio!   Overview Maps Photos $195,000 Single Family Home Main Features 3 Bedrooms2 Full BathroomsInterior: 1,393 sqftYear Built: 2002MLS #: 1021352 Location 3921 DISTANT MOON CTJACKSONVILLE, FL 32210USA Ellen Dittman-Watson Realty Corp. Watson Realty Corp(904) 535 1199reo.ellen@gmail.com   Listed by: Watson Realty Corp, Ellen Dittman (904) 535-1199 Our recent listings Single Family Residential | $195,000 | JACKSONVILLE, FLAffordable! | $85,000 | JACKSONVILLE, FLPool Home! | $... 10/21/2019

Affordable!     Overview Maps Photos $85,000 Townhouse Main Features 2 Bedrooms2 Full Bathrooms1 Half BathroomInterior: 1,404 sqftYear Built: 1987MLS #: 1021473 Location 5627 BRYNER DRJACKSONVILLE, FL 32244USA Ellen Dittman-Watson Realty Corp. Watson Realty Corp(904) 535 1199reo.ellen@gmail.com   Listed by: Watson Realty Corp, Ellen Dittman (904) 535-1199 Our recent listings Affordable! | $85,000 | JACKSONVILLE, FLPool Home! | $334,800 | St Johns, FL Subscribe to our listing feed Nearby properties for sale 10/21/2019

GET THE FULL SCOOP HERE! 08/19/2019

If you are thinking about selling a house and you would like to do it as fast as possible without giving away your well deserved and hard earned equity to investor groups like Opendoor, Zillow offers, Homevestors and the like... Call Mike & Cindy Jones, Realtors in Jacksonville Florida. There is a process they utilize that gets results time and time again that beats the average days on market consistently.We just sold this house in the Mandarin Beauclerc area (real estate video above) in 48 hours! The average days on market in this area is right around 50 days. We met with the seller and discussed our marketing plan which included a pre-launch marketing campaign, hyper-targeted pay per click advertising, video, targeted mailing campiagn, social media blitz and more. The seller took our ... 05/17/2019

Jacksonville Fl Real Estate Market Report November 2018   Almost 600 homes more on the market in November in 2018 vs 2017. Still seeing a seller's market, but the signs are showing a softening. Homes needing work are not getting scooped up as fast by investors, unless they are priced aggressively. Not to fear a crash, the sky isn't falling. Just need to keep in eye out in the new year. You might be wondering if these numbers apply to your home, but each neighborhood is different, so if you're thinking of selling and want to know more click: What is My Jacksonville Home Worth? If you're a buyer and want to see what homes are available in Jacksonville, click the following link: Want to Search for Homes in Jacksonville Florida?  Median Sales Price: Looking at sold homes it means that half ... 02/06/2019

Jacksonville Fl Real Estate Market Report October 2018 Again, another month where we see the inventory levels coming up. This will give buyers more homes to choose from. I'm even seeing that in the lower price points of 200k and below.Some sellers think they can over price their listing, even with the home not updated or in tip top shape, and it will still sell, but buyers aren't having it. They are expecting more bang for their buck, so sellers you need to have your home in great shape or buyers will not give your home the time of day.You might be wondering if these numbers apply to your home, but each neighborhood is different, so if you're thinking of selling and want to know more click:  What is My Jacksonville Home Worth?  If you're a buyer and want to see what homes are available ... 02/06/2019

  Overview Maps Photos $232,000 Single Family Home Main Features 4 Bedrooms2 Full Bathrooms1 Half BathroomInterior: 2,900 sqftYear Built: 2004MLS #: 970504 Location 5631 SHADY PINE ST NJACKSONVILLE, FL 32244USA Ellen Dittman-Watson Realty Corp. Watson Realty Corp(904) 535 1199reo.ellen@gmail.com   Listed by: Watson Realty Corp, Ellen Dittman (904) 535-1199 Our recent listings Single Family Residential | $235,000 | JACKSONVILLE, FLCountry Living at it's best! | $328,000 | MIDDLEBURG, FLLots and Land | $315,000 | Middleburg, FLLots and Land | $39,900 | MIDDLEBURG, FL Subscribe to our listing feed Nearby properties for sale 12/12/2018

  If you're looking for a way to finance a new home purchase or refinance your existing mortgage, you might want to consider a Federal Housing Administration (FHA) loan.Important things to know about this option:It is easier to qualify: It is easier to qualify for an FHA loan than for a conventional mortgage, and down payments for most FHA loans are much lower than convention loans – as low as 3.5 percent. Borrowers need credit scores of at least 580 to qualify for the lowest down payments. There are no maximum income limits to qualify for an FHA loan, but you must meet debt-to-income ratio limits and demonstrate adequate income to repay the loan principal. Get More information about FHA Home Mortgages for Jacksonville Florida Area now @CHECKHOMELOANS.comloanDepot Jacksonville, Florida... 09/07/2018

This For Sale By Owner wasn't having any luck selling a house without a real estate agent. He tried unsuccessfully for months.We contacted him and showed him our aggressive marketing plan that included advanced digital marketing, social media exposure, dynamic video, targeted marketing to specific demographics, targeted mailings multiple real estate web sites and more.... he listed with us and we went to work with pre listing marketing and pulled out all the stops.Long story short...we SOLD it in 25 days for full price! Here's what the seller had to say. Mike & Cindy Jones, Realtors reviewsMike and Cindy Jones are the best realtors I've been acquainted with in my 30+ years of real-estate investing. I've purchased and sold over 18 homes and have never had a sale complete as effortlessly ... 08/18/2018