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1054 3rd Street , Jacksonville - FL 32250

About Marie Cruz

I earned my bachelors degree from California State University-Northridge in Finance and earned a minor in Real Estate. In the last 20 years, I have worked in the real estate field, in many different real estate roles for multi million sales companies.

My work experience in Mortgage Financing, Construction Lending Officer, and Default Loan Mortgage Financial Analyst, has given me a full Real Estate cycle knowledge of the home buying processes from initial application to closing, funding, Auditing to then servicing the loan. I have worked for Washington Mutual, Merrill Lynch, HomeSide Lending and ABN Amro-Mortgage Servicers. I love to assist, coach and guide my clients in such an important financial decision as it is to buy a home! I am personal, transparent and I bring synergies to my clients.

Marie Cruz

Florida Homes Realty

Marie Cruz


 
 

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Fair Housing and Equal Opportunity (FHEO)
REALTOR®
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Real Estate Advice


 

Homebuyer Tips

Home Automation That Can Be Implemented

Home Automation That Can Be Implemented

Phrases like “Alexa, turn on the AC!”, “Alexa, dim lights!”, “Alexa, open the front door!” or “Alexa, cook mac&cheese!” are becoming a regular in US households. Well, maybe not the last but it won’t be long till that becomes a reality as well. Having the ability to tell your home what to do has been a fantasy ...

Agent Advice

Digital Trends That Revolutionized The Real Estate Industry

Digital Trends That Revolutionized The Real Estate Industry

Of all the inventions that changed the real estate game, none have changed it as profoundly and irreversibly as the internet. This technology opened up a world of new possibilities and opportunities for real estate professionals working at every level in the field of real estate. From the lowliest copy room workers to the moguls and brokers at the very top of the ...

Homebuyer Tips

Homebuyer - Realtor Relationship In A Period Defined By COVID

Homebuyer - Realtor Relationship In A Period Defined By COVID

At the beginning of 2020, a pandemic swept across the globe. The coronavirus or SARS CoV-2 became public enemy number one due to its unpredictability in spreading and affecting human health. Specialists soon discovered the exponential damage it can exert causing respiratory tract infections, from mild to lethal. As a result of the virus, a series of protective ...

Homebuyer Tips

House Hunting Goes Digital In 2021

House Hunting Goes Digital In 2021

As you are already aware, the global pandemic kicked in 2020 inconsiderately switching up the rules of the game. An unwelcome guest, SARS-CoV-2 (COVID-19), proved to be a tough opponent. As a result, governments were obliged to implement similar responses in the form of severe restrictions, namely lockdowns, the principle of social distancing, and even tighter health ...

Homebuyer Tips

The Idyllic Suburbs Vs. Vibrant Downtowns

The Idyllic Suburbs Vs. Vibrant Downtowns

Where is it better to live? Where is living more cost-effective? Where will I have to say hello to everyone I meet? Should I remain in New York City or better move to Jericho 29 miles away? Let our real estate agents help you decide! There are many reasons, pro, and con, for both living in the suburbs or the city. Besides the apparent financial aspects, there is an ...

 

Real Estate Glossary Terms

  • Demand Loan

    Also called demand note. A loan with no established maturity period, callable on demand by the lender for repayment. The interest on this type of loan is calculated on a daily basis and billed at fixed intervals. ...

  • Legal Age

    The age at which one is legally capable of entering into binding contracts, signing a deed and negotiating business agreements. In most states this is the age of majority. Normally this is the age of 18. However, for certain activities, such as drinking alcoholic beverages, the age could be higher o ...

  • Tax Base

    The value of property subject to tax. The tax equals the tax rate multiplied by the property's value. ...

  • Rent-free Period

    Span of time a rental agreement is free to the occupant. A landlord may offer this as an incentive to stimulate rentals. For example, an owner of an office building may provide a free rental for the first month if the tenant signs a one-year lease. ...

  • Contingent Business Income Coverage Form

    Coverage for loss in the net earnings of a business if a supplier business, subcontractor, key customer, or manufacturer doing business with the insured business cannot continue to operate because of damage or destruction. For example, a specialty hot dog stand noted for its great buns cannot sell i ...

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