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More Than: Affording a Home – Complete Guide

30 Monday Mar 2026

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Home shopping can be tough when you’re not sure how much you can afford. If you’ve wanted to live the dream of owning your own home in Jacksonville or anywhere in Florida, but haven’t been sure where to start, we’ve put together a few practical tips that can make it easier to get a handle on your budget and find the right price range. These guidelines help turn the uncertainty into confidence so you can focus on finding a home that fits your lifestyle.

Tax benefits usually mean you can afford more than your rent. Interest deductions on taxes, along with property tax benefits, typically translate into significant savings that renters don’t get. Many first-time buyers find they can comfortably afford about 33% more than their current rent once those tax advantages kick in. To get a quick idea of what this might mean for you, simply multiply your current monthly rent by 1.33. For example, if you’re paying $1,500 in rent, that could translate to a mortgage payment range around $2,000, opening up more options in neighborhoods like Mandarin, Riverside, or the Beaches.

A home price two-to-three times your gross annual income is usually a reasonable place to begin. This is a classic starting point lenders and financial advisors often recommend to keep things sustainable. For example, if your household earned $75,000 last year, you could begin looking in the $150,000 to $225,000 range. In Jacksonville’s current market, this range includes solid starter homes, townhomes, and even some single-family options in growing areas, giving you plenty of choices without stretching too far.

Know how much you can put down. Ideally, you’d want to have 20% of the home’s price set aside for a down payment to avoid private mortgage insurance and secure the best rates. On a $200,000 home, this would be roughly $40,000. While many buyers qualify with less, such as 3% to 5% down through programs like FHA or VA loans popular in Florida, putting down less can result in higher interest rates and monthly payments. The more you can put down upfront, the lower your long-term costs and the more equity you build from day one.

Determine your “debt factor.” Lenders will often cite the 28/41 rule when evaluating your debt load. This means your mortgage payment, including taxes and insurance (often called PITI), shouldn’t exceed 28% of your gross monthly income. Your total debt payments, including credit cards, car loans, student loans, and the mortgage, shouldn’t come to more than 41% of your gross monthly income. For instance, with a $6,000 monthly gross income, aim to keep your housing costs under $1,680 and all debts combined below $2,460. Staying within these guidelines helps ensure your new home feels comfortable rather than burdensome.

We often work with first-time buyers and renters to get themselves lined up for home ownership. If you’d like to learn more, run personalized numbers, or have any questions about getting pre-approved in today’s Jacksonville market, we’re happy to help.

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.HanleyHomeTeam.com

How Florida’s Homestead Exemption Works When You Sell Your Jacksonville Home

30 Monday Mar 2026

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If you’ve lived in your Jacksonville home for a while, you’ve likely been benefiting from Florida’s homestead exemption without giving it much thought. You just see a lower property tax bill every year and move on.

But when you sell and buy a new home, the homestead exemption becomes a critical piece of the puzzle. And there’s a related benefit called property tax portability that most Jacksonville homeowners don’t even know exists. Together, these two things can save you thousands of dollars a year in your new home.

Here’s what you need to know.

What Is Florida’s Homestead Exemption?

Florida’s homestead exemption reduces the assessed value of your primary residence by up to $50,000 for property tax purposes. For most homeowners, this saves several hundred dollars a year in property taxes.

More importantly, Florida’s homestead exemption also comes with Save Our Homes protection, which limits how much your assessed value can increase each year. The cap is currently 3% or the Consumer Price Index, whichever is lower. If you’ve been in your home for 10, 15, or 20 years, your assessed value is probably significantly lower than your market value. That’s been saving you real money every single year.

What Happens to Your Homestead Exemption When You Sell?

When you sell your home, your homestead exemption stays with that property. It does NOT transfer to your new home automatically.

Your new home will be assessed at or near its full market value in the year you purchase it, which means your first property tax bill in your new home may be significantly higher than you’d expect based on what you’ve been paying.

This surprises a lot of buyers. And it matters for your monthly budget.

What Is Property Tax Portability?

Here’s where it gets really interesting. Florida law allows you to take the “benefit” you’ve built up through Save Our Homes and apply it to your new home. This is called portability, and it can be a game changer for Jacksonville downsizers.

Here’s how it works. Let’s say your current home has a market value of $450,000 but thanks to Save Our Homes, your assessed value is only $280,000. The gap between those two numbers, $170,000, is your benefit. Florida law allows you to transfer up to $500,000 of that benefit to a new primary residence in Florida.

So instead of your new $380,000 home being assessed at $380,000, it might be assessed at $210,000 in the first year. Depending on your county’s millage rate, that could mean $2,000 to $4,000 in annual property tax savings. Every single year.

What Happens to Portability When You Downsize?

If your new home has a lower market value than your old home, your portability benefit is prorated. You transfer a percentage of your benefit equal to the ratio of the new home’s value to the old home’s value.

Example: Your old home was worth $500,000 with a $200,000 benefit. Your new home is worth $300,000, which is 60% of your old home’s value. You can transfer 60% of your $200,000 benefit, which is $120,000. So your new home gets assessed at $180,000 instead of $300,000. That’s still a very meaningful savings.

The Deadline You Cannot Miss

You have THREE YEARS from when you sell your previous home to claim portability on a new Florida home. If you sell, rent for four or more years, and then buy again, you may lose your portability benefit entirely. This is a real financial reason to think carefully about your timing if you’re considering a long rental period in between homes.

How to Get Your Homestead Exemption and Portability on Your New Home

To claim both benefits on your new Jacksonville home you need to:

  1. Own the property as of January 1 of the tax year
  2. Make the property your permanent residence
  3. File a homestead exemption application (Form DR-501) with your county Property Appraiser’s office by March 1
  4. File a portability transfer application (Form DR-501T) at the same time

In Duval County this is the Duval County Property Appraiser. In St. Johns County it’s the St. Johns County Property Appraiser. Do not miss the March 1 deadline.

A Word About Tax Estimates When You’re Shopping

When you’re looking at homes and the listing shows a current property tax amount, be aware that this number reflects what the current owner pays with THEIR homestead exemption and THEIR Save Our Homes cap. Your taxes will almost certainly be higher before your own exemption and portability kick in. Always ask us to help you estimate realistic first-year taxes on any home you’re seriously considering.

The Bottom Line

Florida’s homestead exemption and property tax portability are two of the most significant financial benefits available to Jacksonville homeowners who are moving. Most people don’t fully understand them until they’re sitting across from us at the closing table, which is too late to plan around them.

Now you know. Use it.

Have questions about property taxes and the real cost of owning a new home in Jacksonville? Call or text: (904) 515-2479 |

Download our free Right-Sizing Roadmap which includes a full cost-of-ownership worksheet. Request yours here.

Kevin and Jennifer Hanley, REALTORS® | KW Atlantic Partners Southside The Hanley Home Team HanleyHomeTeam.com

Making a Move to a New Home With Kids – Complete Guide

28 Saturday Mar 2026

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Making a Move to a New Home with Kids

Amidst the excitement of moving to a new home is a lot of stress for families with younger children. Often they don’t understand what is happening. That can make them feel powerless and afraid. Here are some ideas for turning those stressors into an adventure for your little ones.

Involve children in decisions

House-hunting with children is neither practical nor advisable since you cannot expect a home to be childproofed. You can, however, sit down with your children and ask them what would be most important in a new home. Do they love the outdoors … a big yard is in order, or a home near a great park, or both! If a tree-house is on their radar, be on the lookout for a great backyard tree and a neighborhood that allows for tree-houses. Do you want a pool? A pool with a safety fence can narrow down your choices for you. What about a big playroom, game room or media room? Separate bedrooms for each child?

Bring your family’s wish list with you to your very first meeting with your real estate professional. She needs to know exactly what you’re looking for, and what your kids are looking for, so that she can find you the perfect new home. Once you’ve narrowed down your choices, show your kids pictures of the houses that fit their criteria.

Plan their new room

Even before you nail down the house choice, children can trek with you to home stores to look at paint chips. Letting your child choose his new room’s color can heighten the excitement of the move.

If you plan to include new bedding, a theme or other enhancements to the room, start a scrapbook or Pinterest board for each child to add their favorite ideas.

Packing together

Of course your child won’t be involved in the bulk of the packing, but seeing all of their familiar things shut away in boxes can be scary. Give each child a box to pack his treasured items, favorite books or special toys. Have him color or draw on the outside of the box so that he knows which one is his. If practical, bring those boxes in the car with you as you travel to your new home.

Give everyone a break

According to child psychologists, the stress of moving (including during the planning stages and once you’ve arrived at your new home) affects children’s sleep pattern, behavior, appetite, toilet training habits and anxiety levels. They may cling more, or be more aggressive. They may wake up during the night more often or even revert to thumb-sucking and bedwetting. A change in time zones, and the unfamiliar new surroundings can disrupt sleep as well.

You may be frazzled and so might they … so give everyone some extra grace.

Say goodbye

If your move takes you to a new city or state, take the time to visit all of your children’s haunts. The park they play in, or their preschool, the homes of their favorite friends, even their place of worship should be on the list. Give them an opportunity to tell everyone and every place “goodbye,” take photos to add to a memory book.

Be organized

Of course, being organized is the key to a sane moving experience for people of any age, but it is especially true when children are involved. Mark ALL of your boxes. If you have a tablet or computer, create a numbering system and list all of the contents of each box. When you have an urgent need for those special toys to calm a restless toddler or keep a child busy, knowing where to find them can ease your own anxiety.

Most of all, let the move be as fun and exciting as possible for everyone.  Give us a call today and we’ll help you and your family start the process of finding the perfect home:  Kevin and Jennifer Hanley, REALTORS, 904-477-5278 http://www.HanleyHomeTeam.com Keller Williams Realty Atlantic Partners Southside

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FAQ

Q: Why is Move To important?

A: You can, however, sit down with your children and ask them what would be most important in a new home. Do they love the outdoors … a big yard is in order, or a home near a great park, or both.

Understanding the Pros and Cons of Building

04 Wednesday Mar 2026

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Building a custom home offers exciting advantages like full personalization and modern efficiency, but it also comes with notable drawbacks compared to purchasing an existing property. In Jacksonville’s market, where new construction incentives (such as rate buydowns or closing cost help) have narrowed the traditional price gap, many buyers find the choice closer than ever. However, factors like higher upfront costs, longer timelines, and potential hurricane-season delays can still tip the scales. Weighing these pros and cons helps ensure the decision aligns with your budget, timeline, and lifestyle needs.

The pros and cons of building versus buying an existing home in Florida highlight key trade-offs in cost, convenience, and long-term value. Pros include brand-new systems (leading to lower early maintenance and better energy efficiency in hot, humid climates) and customization to fit your exact needs, like storm-resistant features or open layouts popular in Jacksonville. Cons often involve higher total costs (even with incentives), extended timelines prone to weather or supply delays, and the risk of over-customization inflating budgets. Understanding these helps buyers decide if building’s “fresh start” outweighs the immediate move-in appeal of resale homes.

Con: It’s generally more expensive. Building a custom home in Jacksonville typically costs more per square foot than buying a similar existing one, often ranging from $140 to $250 per square foot (excluding land and extras) versus median resale prices around $300,000 to $350,000 for move-in-ready homes. For example, a 2,000 sq ft new build might total $400,000+, while comparable existing homes go for less, especially with builder incentives narrowing the gap. This means you’ll need a larger budget upfront to cover construction, permits, and potential overruns.

The Takeaway:

Pro: Less maintenance. When you build a new home, everything starts fresh with modern materials, energy-efficient systems, and updated plumbing/electrical that meet current Florida codes. This significantly reduces the chance of major repairs in the first 5 to 10 years, such as roof leaks from storms, outdated HVAC failures, or foundation issues common in older Jacksonville properties. The result? Lower ongoing costs, fewer headaches, and more peace of mind as you enjoy your brand-new space without immediate fix-up surprises.

Con: More time-intensive. Building a home in Jacksonville can take 12 to 18 months or longer from design to move-in, with custom projects often stretching to 24 months due to permitting, supply chain hiccups, or weather delays during rainy seasons or hurricane prep. For instance, what starts as a 9-month build might extend months beyond expectations, making it tough for buyers needing quick relocation or avoiding temporary housing costs. This extended timeline simply isn’t practical for everyone compared to the instant move-in of an existing home.

Top Forgotten Items in a Move – Complete Guide

23 Monday Feb 2026

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The chaos of moving day is a prime time to forget or misplace essential items. When you’re preparing for the big move to your new home in Jacksonville or anywhere in Florida, the following items are some of the most commonly overlooked, and they can cause major headaches when you arrive without them. For example, nothing ruins that first exciting night like realizing your garage door opener is still at the old house or your spare keys are buried in a box somewhere.

Moving day brings excitement and stress, but the rush often leads to forgetting critical items that seem minor until you need them urgently. These oversights happen because people focus on big furniture and boxes, overlooking small valuables, access tools, or everyday essentials tucked away. In Florida’s humid climate, forgetting things like medical records or chargers can complicate settling in quickly. Planning ahead with a dedicated “essentials” bag or final walkthrough checklist prevents these common pitfalls and ensures a smoother transition to your new home.

Jewelry, watches, and small valuables. These small, expensive, and often irreplaceable items are easy to misplace amid the chaos. For safety, keep them in a safe deposit box, carry them personally in a secure pouch, or leave them with trustworthy friends or relatives on moving day. Many Jacksonville families regret leaving heirloom pieces behind in a drawer that gets overlooked.

Garage door opener. The old one won’t work at your new house, so be sure to leave it for the new owners. At the same time, confirm the previous owners of your new home hand over theirs. Forgetting this can mean struggling to park in the garage on arrival, especially after a long Florida drive.

Spare keys. Leave sets to your old house with the new owners, but don’t forget to bring all sets to the new house. There’s nothing more frustrating than pulling up to your dream home only to realize you’re locked out, forcing a call to a locksmith on moving day.

Old address books. Yes, we all rely on smartphones now, but many families still keep a well-worn physical phone book tucked in a drawer or spice cabinet. These contain irreplaceable contacts, emergency numbers, and personal notes that feel like family heirlooms. Don’t leave them behind in the rush.

Unfinished errands. Check for clothes at the dry cleaner, books due at the library, or outstanding video game and DVD rentals. Handling these from miles away, perhaps after settling in a new Jacksonville neighborhood, can be a real hassle and add unexpected fees or trips back.

Medical records. While much is digital these days, don’t misplace your personal copies, including dental records, vaccination proofs, and prescription details. These can get buried at the bottom of a hastily packed box. Having them handy avoids delays when setting up new doctors in your new area.

We make sure our clients’ experience selling their old home and moving into their new dream home is a smooth transition. If you’re interested in a hassle-free home selling experience, please get in touch today: Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Southside 904-515-2479 HanleyHomeTeam.com

The Story of Your Home – Happily Every After

16 Monday Feb 2026

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Marketing a home is not like marketing a commodity, such as bottled water. While everyone needs shelter, it would be a serious oversimplification to say that’s all a home offers. In reality, buyers in Jacksonville seek more than four walls and a roof; they want a property that aligns with their lifestyle, whether that means proximity to beaches and boating, family-friendly neighborhoods with great schools, or low-maintenance living near golf courses and parks.

Many agents take the perspective that a home is the right home for a buyer simply because they happen to be selling it. The truth is it can be a real waste of time and effort convincing people that a home’s qualities are exactly what they’re looking for. It’s far more efficient to market the home’s qualities to the segment of buyers who have a natural lifestyle fit for the home. For example, highlighting a home’s outdoor entertaining space and river views appeals directly to coastal lifestyle enthusiasts in Jacksonville, rather than trying to sell it to someone prioritizing urban convenience downtown.

Profiling and segmenting buyer lifestyle is an excellent way to optimize the budget for marketing a home. Rather than taking a shotgun approach with broad ads that reach everyone, we tailor the home’s story as much as possible to the types of buyers who best represent the projected buyer for a specific listing. This targeted strategy saves money, attracts more serious inquiries, and often leads to faster sales in competitive Florida markets.

Analyzing the specific qualities of the home is a natural first place to start. Is it close to an organic farmers’ market or vibrant local spots like Riverside’s Saturday Market? Next to a country club with a legendary golf course such as Timuquana or Deerwood? Does it have a garage fit for two luxury vehicles, or is it a compact, eco-friendly setup perfect for a one-Prius household? Has it got natural family sprawl with multiple bedrooms and a backyard for kids, or bachelor appeal with sleek modern finishes and low-maintenance design?

We also like to talk with the sellers about what originally drew them to the home. What caught their eye when they first viewed it? Why was it the right place at the right time in their life? What is encouraging them to move on now, whether it’s downsizing, a job relocation, or seeking a different lifestyle? These insights often reveal emotional hooks that resonate deeply with similar buyers.

All of this adds up to the story of a listing. This story can then inform the marketing plan for the property, staging decisions, open houses, and even the way photos and videos are shot and presented online. We emphasize features like seamless indoor-outdoor flow for Florida’s year-round weather, energy-efficient upgrades for lower bills in our humid climate, or smart home tech that appeals to tech-savvy professionals.

We’re no longer looking for a convenient cave for shelter from the elements. We live in homes. Our homes should reflect our lifestyle. Keeping this in mind throughout the entire listing and marketing process is what makes us good at matching properties to buyers for our clients each and every week.

Let’s get started selling your home’s lifestyle today! Contact us for a no-obligation meeting: Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Southside 904-515-2479 www.HanleyHomeTeam.com

Making Good Neighbors

09 Monday Feb 2026

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Living next door to someone doesn’t make you a neighbor. It makes you the stranger next door! One of the great opportunities we have in our Jacksonville communities is the chance to build real, meaningful relationships with the people who live closest to us. For example, a simple wave across the yard or a quick chat while walking the dog can turn that stranger into someone who watches out for your home when you’re away.

While I understand the desire for privacy, I think it’s important we realize that regular, helpful communication with our neighbors makes us both safer and paves a smooth road for difficult conversations we might face in the future. In Florida neighborhoods, where storms and power outages can hit suddenly, a friendly connection means your neighbor might check on your property during a hurricane or alert you to a suspicious vehicle lingering nearby.

It doesn’t take much to start off the right way. Consider leaving a nice note in their mailbox when you first move in, a small “thank you” gift like a potted plant for looking out for the neighborhood, or even a homemade batch of cookies as an “olive branch” act that builds rapport quickly. These small gestures show goodwill and set a positive tone from day one.

Small gestures such as a nice note about their beautiful landscaping, an invitation to a neighborhood potluck, or joining an “all hands on deck” community improvement project like a cleanup day allow us to get to know our neighbors. This is vital when you consider the people around you are the most likely to spot smoke in a fire, clue you in to suspicious activity, or share vital local information like upcoming road closures or school events.

What’s more, if you build a positive base with your neighbors, when the time comes to have a difficult conversation such as a nuisance dog barking late at night, kids running amok through yards, or intrusive lighting shining into bedrooms, you’ll have a buffer of mutual respect and goodwill to draw on. Starting from a place of friendship makes those talks far easier and more productive.

If your opening conversation with a neighbor is a complaint, you’re setting yourself up for a long, antagonistic relationship. Who wants to live next to that?

We think a civil community depends upon our connection to our neighbors. We all benefit when we depend on and trust one another!

Kevin and Jennifer Hanley, REALTORS The Hanley Home Team Keller Williams Realty Atlantic Partners Southside 904-515-2479 HanleyHomeTeam.com

Sleep and Your Dream House

26 Monday Jan 2026

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A good night’s sleep is more important than you might think. While rising early and burning the midnight oil are often worn like badges of honor in our “always on” culture, the truth is that sleep is crucial for physical health, mental clarity, and overall well-being. In Jacksonville’s busy lifestyle—whether you’re dealing with traffic, humidity, or long workdays—prioritizing rest can make a real difference in how you feel and perform each day.

Sleep is essential for regulating mood, processing emotions, and maintaining cognitive function. Recent studies show that good sleep enhances emotional regulation, reduces irritability, and lowers the risk of anxiety or depression, while chronic sleep deprivation heightens emotional reactivity and impairs focus. For instance, research highlights that adequate rest helps the brain clear stress-related waste and balance mood better than poor habits alone. In one notable study of elite performers like professional violinists, longer sleep (averaging 8.6 hours plus naps) proved more critical to high-level performance than nutrition or even extra practice time, allowing for better recovery and concentration.

Sleeping on a decision measurably improves our ability to make better choices. Studies demonstrate that post-learning sleep boosts rational decision-making, reduces impulsivity, and helps override misleading first impressions or emotional biases. Sleep deprivation, conversely, increases risk-taking, decision noise, and poor judgment—effects seen in everything from everyday choices to high-stakes scenarios.

Fortunately, there are simple, effective things we can do to improve sleep quality. Avoid alcohol close to bedtime, as even a drink or two may help you fall asleep initially but disrupts deeper REM cycles later. Instead, incorporate daytime exercise to promote better rest, take a cool shower in the evening to lower core body temperature and signal wind-down, and dim lights (especially blue light from screens) about 30 minutes before bed. Putting away glowing iPads, laptops, and phones allows natural melatonin production to rise uninterrupted.

Of course, your home environment can have a dramatic impact on catching those elusive Zs. Ambient light from street lamps or neighbors, highway noise, or even nearby activity can fragment sleep, increase awakenings, and reduce deep restorative stages. In urban or apartment settings common in parts of Jacksonville, these issues often hit harder, but even single-family homes near roads, airports, or busy areas can turn restful nights into restless ones. Research links higher neighborhood noise and light at night to poorer sleep quality, more fragmentation, and long-term health effects like stress hormone dysregulation.

While this tends to be more of a problem for renters in apartment buildings or those in denser urban environments, even single-family homeowners can find themselves in sleep-negative situations due to traffic, construction, or neighbor disturbances. Don’t settle for a sleep-deprived life! If your current living situation makes a good night’s sleep difficult—whether from noise, light pollution, or layout issues—consider looking for a new place. Sleep is too important to ignore, and a quieter, more peaceful home can transform your daily energy, mood, and health.

Need a nice, quiet house in a peaceful Jacksonville neighborhood? We know where to find them. Let’s have a chat today: Kevin and Jennifer Hanley, REALTORS The Hanley Home Team of Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.TheHanleyHomeTeam.com

Pest Control Tips for Winter – Complete Guide

19 Monday Jan 2026

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free-vector-beetle-bug-clip-art_107187_Beetle_Bug_clip_art_hightWhen the temperatures begin to dip, humans aren’t the only ones who appreciate the warmth and shelter of a cozy home. Insects, rodents, and other small mammals are also drawn to the comforts your house provides. Ever have a mouse die in a wall? It’s not the sort of smell that one appreciates during the holidays. No one wants an expensive electrical repair when a rat chews its way through wiring in the attic or basement, either. Do yourself a favor and protect yourself from pests this Fall and Winter. Here are some tips:

1. Inspect the outside of your home for ways animals may sneak in. Often utility vents and areas under eaves have gaps which should be sealed or screened.

2. Look for gaps around door and window frames, and caulk or repair those gaps. Tiny entry ways can lead to big problems.

3. Examine trees around your home. Are any branches close to or touching the roof? These branches can be pathways for rodents to access your roof and any access ways the roof may provide to your attic, walls, or crawlspaces.

4. Make sure your garbage and recycling bins have tight fitting or locking lids. Hungry animals will find those scraps, trimmings, and drips, and they can more or less provide an invitation to come close to the house. It’s not a bad idea to buy containers with latches or locks that won’t interfere with garbage pickup, but will deter most animals. (Raccoons are particularly clever, though!)

5. If you have a wood pile for a fireplace or other stove, keep it at a distance from your home. If you’ve been keeping it close to the house because of the cover a roof provides, consider relocating the wood and using a tarp to keep it dry.

6. Inside your home, try not to store food on countertops as it will attract flies and rodents. Airtight containers inside of cabinets an drawers is a better bet.

7. Never leave dirty dishes in the sink overnight if you can help it. Just like food on the counter, it’s an invitation for bugs.

8. Wash your floors with a water and a cleaner. Food residue from spills will attract ants.

With a little prevention, you can keep your home pest free this season. Even with the best protection, pest control can become a necessity, though. If you need a referral for a trusted pest control company, feel free to get in touch with us: Kevin and Jennifer Hanley, REALTORS 904-515-2479 Keller Williams Realty Atlantic Partners Southside www.HanleyHomeTeam.com

STOP Renting!

12 Monday Jan 2026

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stop

Have you always wanted to own your own home?

You might be surprised to find out that buying a home could be far more affordable than the rent you’re currently paying. Wouldn’t you like more privacy? Wouldn’t you like the security of home ownership? Wouldn’t you rather get the tax deduction your landlord currently receives? Wouldn’t you like to know the money you pay each month goes into building value in an asset you own?

Perhaps the time has come to buy. Much has changed with mortgage rates and requirements, and now could be a great time to find out you no longer have to rent your home. We would love to help you bid farewell to your landlord for good!

Call us today f you’re curious. We are more than happy to get you on the path to home ownership.  Kevin and Jennifer Hanley, REALTORS Keller Williams Realty Atlantic Partners Southside 904-515-2479 www.HanleyHomeTeam.com