Marie Cruz

Florida Homes Realty

Fair Housing and Equal Opportunity (FHEO)

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.

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1054 3rd Street , Jacksonville - FL 32250

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Real Estate Advice

Home Seller Tips

Tips On How To Save Money And Space While Renovating Your House

When it comes to home renovations, generally, there are two types of people: those who can’t wait to embark on the adventure of giving their home sweet home a makeover and those who dread the idea of going through this messy and sometimes nerve-wracking process. But when your outdated popcorn ceiling starts to crumble and break off, or your wallpaper starts ...

Home Seller Tips

Effective Home Staging: Tips And Tricks For A Quick Sale

If you’re in the market to sell a property, you might have heard about home staging. Staging a home to sell is a concept that will transform your humble abode into a more appealing place for potential buyers. Several aspects should be considered when you’re getting ready to say goodbye to your home sweet home for good. Of course, there’s the emotional ...

Home Seller Tips

Behind The Curtains: Exploring The Origins Of Homeowners Associations In The US

Have you ever stopped to think about who's behind the scenes, making sure our neighborhood stays awesome? That's where homeowners’ associations (HOAs) come in - the real MVPs you might not even notice! These non-profit entities are like the glue holding our community together, taking care of everything from fixing up the park to organizing block parties. With roots ...

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....