Financing first
A pre-approval makes your offer competitive and tells us your true monthly number, including taxes and insurance. Want a ballpark first? Run the numbers in our Florida mortgage calculator.
Buyers · Duval · Clay · St. Johns · Nassau · Baker
Buy with someone who tells you the cons as fast as the pros.
Keith has helped Northeast Florida buyers for nearly 30 years. The goal is simple: understand the neighborhood, the numbers, and the risks before you commit, not after.
30 years experienceLicense BK3328013ABR · MRP · Short-sale instructor
A buying process built around your decision, not the closing date.
We start with what you actually need: budget, commute, schools, and the kind of home that fits your life. Then we get you with a lender so your offer is real.
From there it is showings, honest neighborhood talk, a careful offer, inspections, and a calm path to the keys. Keith stays involved the whole way.
What Keith checks
What Keith checks before you write an offer.
Neighborhood fit
School zones, commute timing, flood risk, and HOA/CDD costs can change block to block. We verify by address.
Condition & inspections
Roof age, wind mitigation, electrical, plumbing, and septic/sewer status can make or break the deal.
The real comps
We price the home against the right nearby sales, not a broad portal estimate.
Insurance early
Florida insurance can swing the budget. We check it before due diligence ends, not at the end.
Your exit
Even when buying, we think about resale so you are protected if life changes.
Buyer Programs
Programs Keith helps buyers use in Northeast Florida.
If you serve the public, served in the military, or just need a smarter loan path, there is almost always a program built for you. Keith has helped buyers across all of these — here is what each one actually does:
Florida Hometown Heroes (Jacksonville)
Up to $35,000 toward down payment and closing for eligible Florida public-service workers — teachers, nurses, first responders, military, and many more.
VA Loans in Jacksonville
Zero down, no PMI, competitive rates for active-duty service members, veterans, and qualifying surviving spouses. Jacksonville is built for VA.
FHA Loans in NE Florida
3.5% down, flexible credit, and a popular path for first-time and rebuilding-credit buyers across Duval, Clay, St. Johns, and beyond.
USDA Rural Loans
Zero-down financing for eligible buyers in approved rural and suburban-edge zones across Baker, parts of Clay, Nassau, and Putnam counties.
Teachers
Hometown Heroes, MCC, and lender programs stacked for Duval and surrounding county educators. Keith walks you through what actually applies.
Firefighters
JFRD and surrounding district firefighters — VA, Hometown Heroes, Good Neighbor Next Door, and lender perks in one plain-spoken walkthrough.
Police Officers
JSO and surrounding-county officers — privacy-aware buying, GNND, Hometown Heroes, VA, and MCC explained the way it actually works.
Nurses
RNs, LPNs, and clinical staff at Baptist, Mayo, UF Health, Wolfson, Ascension St. Vincent's, and beyond. Shift work, travel income, the whole picture.
EMS & Paramedics
JFRD EMS, hospital and private services. Shift-income lender prep plus the same Hometown Heroes / VA / MCC stack public servants qualify for.
FAQ
Questions Keith gets a lot.
Do I need to be pre-approved first?
It helps a lot. It tells us your true budget and makes your offer credible. Keith can connect you with trusted local lenders.
How much are closing costs?
Plan for roughly 2-5% of the price depending on loan and negotiation. Keith will walk you through an estimate for your situation.
Can you help first-time buyers?
Yes. Keith is ABR-certified and patient with the unknowns, explaining each step in plain language. If you qualify, Florida's Hometown Heroes program for Jacksonville buyers can put up to $35,000 toward your down payment and closing costs.
Work With Keith
Have a question about buying, selling, short sales, or your options?
Nearly 30 years of straight answers. No pressure, no jargon. Call or text and Keith will walk you through it.
Related
Informational only, not financial, legal, tax, or insurance advice. Confirm property-specific details with the appropriate licensed professional.