IN JUNE’S ISSUE 5 Realities Buyers & Sellers Will Face in 2021 Turtle Time of Year Is that Swimming Pool Safe?
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The Network Funding 10 day close is for a purchase loan, primary single-family residence, non-condo, in a metropolitan area where an appraisal may be obtained within 72 hours, a borrower(s) who is a W2 employee (not deemed to be self-employed and does not receive commissions that exceed 25% of total income) and provides acceptable W2s for the past two years and pay stubs for the past month, to satisfy program requirements for employment and income. The 10 business days start once all preliminary documentation has been received, and the loan application and required disclosures are signed and returned and the appraisal is paid. Holidays and weekends do not count as a business day. In order to close your loan in 10 business days we must first obtain the following on qualifying conventional and FHA loan products*: (1) a credit score that qualifies you for the loan program, (2) your authorization to obtain, and our ability to order automated verification of your assets and income from an automated verification system, (3) all required documents from you as requested by the Company within 8 business hours as approval condition requests are communicated to you (orally or in writing), (4) receipt of an acceptable appraisal to the Company within 4 business days of your application, (5) the seller must be willing and able to close within 14 days, (6) all required disclosures and closing documents must be timely and properly executed, and (7) you must consent to receive and e-sign all documents electronically. The guarantee does not apply if events occur beyond the control of Network Funding, including but not limited to: appraised value not met, escrow or title delays, 2nd lien holder approval, short sale approval, or lender conditions that cannot be met. If Network Funding otherwise fails to perform a credit of $250 will be applied toward your closing costs when we close on your loan. Network Funding, L.P.’s maximum liability is limited to a $250 closing cost credit. Qualifying products do not include Reverse Mortgages, FHA 203K, VA, Bond, MCC, Down Payment Assistance, loans that require prior approval from an investor, or brokered loans.
IN YOUR CORNER IS THAT SWIMMING POOL SAFE? WHAT HOMEBUYERS SHOULD KNOW
COMMUNITY PROPERTY
JUNE 2021
TURTLE TIME OF YEAR
FEATURE STORY 5 REALITIES YOUR BUYERS & SELLERS WILL FACE IN 2021
LIVING LARGE CARVE OUT A PERSONAL RETREAT FOR YOURSELF AT HOME
MARKET UPDATE CURIOUS IF PRICES ARE UP? WHAT’S THE MARKET DOING? WE’VE GOT ANSWERS!
KID’S CORNER SUMMERTIME FUN, CAMP STYLE
CBV CARES LEADING THE WAY IN OUR COMMUNITIES
©2021 Coldwell Banker Real Estate LLC. A Realogy Company. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office Is Independently Owned and Operated. Coldwell Banker, the Coldwell Banker Logo and “We Never Stop Moving” are registered service marks owned by Coldwell Banker Real Estate LLC. All information deemed reliable but not guaranteed.
The cover image was photographed by R ARCHITECTURE.
Is that Swimming Pool The following is a guest post by PAULINE HAMMERBECK, posted by LINDSAY LISTANSKI originally published on Blue Matter, Coldwell Banker’s Blog. Guest blogger Pauline Hammerbeck is a content editor for the Allstate blog, which helps people prepare for the unpredictability of life.
Swimming pools can be a valuable amenity in a new home. When an agent takes you to a home and slides open the patio door to reveal a backyard swimming pool, you’ll likely have one of two reactions: you’ll either conjure up images involving lazy Saturdays and margaritas, or you’ll stiffen up with thoughts about the pool safety implications.
What
Homebuyers Should Know
Keep these safety tips in mind when you’re considering buying a home with a backyard pool.
Pool Buying tip #1:
Not all fences were created equal Most pool accidents can be avoided with preventative measures. And while a perimeter fence is the first line of defense, many older homes have outdated installations that fail to keep curious children away. According to U.S. Consumer Product Safety Commission home pool barrier guidelines, a pool fence should be at least four-feet high with slats that are less than four inches apart. Also, be sure to check that the pool has a self-latching fence and that everything is also in compliance with local codes. Otherwise, you may have to factor in a substantial budget for building a new fence, renovating an existing one, or negotiating with the seller to cover the costs.
Pool Buying tip #2:
Check for cracked drain covers Missing or cracked drains and suction covers pose a serious safety risk. Don’t believe a homeowner who insists that his drain cover “works just fine” even though it’s cracked. Older drains may not be in compliance with federal safety regulations and may cause accidental entrapment. If the pool’s drain is outdated or cracked, you will need to install a new drain that meets Florida code. A
Pool Buying tip #3: Cloudy water may indicate algae—or worse Cloudy pool water is a sign that a pool’s chemistry is unbalanced. To pinpoint the problem, you’ll need to test the pool’s chlorine, bromine, pH, alkalinity, hardness and cyanuric acid levels. In some cases, backwashing or cleaning the filter is sufficient to correct the imbalance. But if the pH imbalance has resulted in black algae growing on the pool’s floor or siding, you’ll need to completely resurface the pool, which can cost anywhere from $5,000 to $10,000.
Pool Buying tip #4: Beware of leaky plumbing Checking a pool for plumbing leaks can be difficult during a brief showing (you might want to think about hiring a home inspector familiar with swimming pools). However, if the owners routinely add more than two inches of water to their pool per week, this may indicate a plumbing leak. When you visit the pool, check for sunken, wet soil or eroding areas. The pool skimmer (which helps remove dirt and debris) is a common source of leaks but, typically, it can easily be fixed with pool putty. Plumbing leaks, however, can be expensive and time consuming to repair.
Swimming pools can be a valuable amenity in a new home. But giving a good eye to the safety before making an offer can ensure that the pool ends up being nothing more than a great source of future family fun.
Photography provided by the following in order of appearance: Alexandr Podvalny (A), and Marven Meyer (B).
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The following is a guest post by CHELSEA CORNELIUS
Sea Turtles are beloved, gentle herbivores that keep the dunes on our beaches healthy when they nest each year. They also graze on the ocean grasses, keeping them healthy, a great health benefit for our ocean. The species of sea turtles who, like us, call Northeast Florida their home are the Green Turtles, Leatherbacks, and Loggerheads- all of which are on the endangered species list. These turtles have been using the area as nesting grounds since the Mesozoic Era (think Age of Dinosaurs). The Guana Tolomato Matanzas National Estuarine Research Reserve (GTM Reserve) works hard to ensure these majestic creatures don’t become extinct like their dinosaur friends. With on average only one in every thousand turtles surviving into adulthood, they need all of the help they can get! For those unfamiliar with GTM Reserve, it is one of the twentyeight research reserves in the United States. They aim to conserve the natural biodiversity of the 76,760-acre Reserve and act as a cultural resource through scientific research and education. The Reserve spans 30 miles from Ponte Vedra to Palm Coast and helps research and monitor the water, vegetation, and animals. The GTM Reserve helps provide data to “help policymakers and community stakeholders make decisions about the future of our ecosystems.” Their research and the most up-to-date information are then shared with our community through educational programming. Each year thousands of kids and key professionals throughout Florida (whose decisions impact our coastal resources) take part in classes, camps, and other programming. In addition to the research and education is the stewardship of the Resere. The rangers, resource managers, and hundreds of volunteers ensure that not only will we have a beautiful reserve to explore but that the wildlife is protected. The GTM Reserve is also lucky to
have the Friends of GTM Reserve, a nonprofit citizen support organization. The Friends help support and enhance the great work the GTM Reserve does through community partnerships, fundraising, and volunteer initiatives. One annual fundraising opportunity that supports our endangered sea turtles is “Adopt a Turtle Nest.” The Adopt-aNest season opened May 1st and runs through the end of July. The Adopt-a-Nest program helps fund the research and data gathering. Both of which help ensure the various levels of government and international programs protect the marine turtle populations. Adopting a nest can also help fund necessary equipment and supplies used by the volunteer Sea Turtle Patrol. The Sea Turtle Patrol monitors and evaluates over two hundred sea turtle nests on the Reserve’s beach. There were 263 nests the Sea Turtle Patrol identified and marked during the 2020 season. While on patrol, they can often bring awareness to visitors in the area and help give direction when sea turtles and humans are coming into contact.
When not patrolling, these volunteers find time to do community outreach and educational efforts. The work that the Sea Turtle Patrol and the GTM Reserve have been doing over the last 25 years has helped protect and facilitate the sea turtles during nesting seasons. Sea turtles on the Northeast Florida coast usually nest, hatch, and start their journeys back home between May and November. Sea Turtles in nesting season face many obstacles along their journey to the sea. If they can survive natural predators like birds and crabs, they will almost inevitably face human interference. The GTM Reserve reported 169 false crawls in the 2020 season. A false crawl is when the female attempted to build her nest but abandoned the task and returned to the ocean. The GTM Reserve says this is most often due to our interference. Most likely, pollution or artificial lighting detur both turtle mommas and their hatchlings. Our pollution comes in the form of trash and entanglements along the coastline. While volunteers and rangers help limit pollution on the Reserve, artificial light can happen anywhere. According to the Florida Fish and Wildlife Conservation Commission, sea turtles prefer to nest on quiet, dark beaches. Our building lights, automobiles, camera flashes, and flashlights (to name a few) can all confuse and distract turtles during the nesting process. If the momma turtle successfully nests and the little ones make it out of their eggs and emerge up through the sand, they will instinctively look towards the brightest light. In nature, this is obviously the horizon, the moonlight or sunlight would attract the hatchlings, and without distraction, they find the ocean. Unfortunately, just one artificial light could cause hundreds of sea turtles to be killed by cars or die from dehydration in the hot Florida sun. The Adopt-a-Nest fundraiser works to help reduce the occurrence of interference and foster more successful journeys for the sea turtles on GTM Reserve beaches.
ITY TO N U D T
ON
OPP O R
The Adopt-a-Nest has several levels for people to choose from, depending on their budget and how involved you would like to be with the process. Those interested in supporting the GTM Reserve can be a Turtle Buddy, which includes a Friends of GTM Reserve membership and season updates on your nest’s activity. Want to be a Turtle Bestie? Besties get a membership, updates, photos, and a sign with your name by your adopted nest. Want to be a more involved parent, then perhaps you are a Proud Turtle Parent (there probably should be a bumper sticker for this one.) In addition to signage, data, and photo updates, the Proud Turtle Parent receives the unique opportunity to witness an evening evaluation of the nests completed by trained Marine Turtle Specialists.
ATE
Amanda Morrow, Coldwell Banker Vanguard Realtor and boardmember for Friends of the GTM wanted to spotlight the Guana Tolomato Mantanzas Reasearch Reserve and the annual “Adopt A Turtle Nest” 2021 season. Whether you want to adopt a nest for your family, friends, or customers, it is an excellent opportunity to help propect the marine turtle population, fund research, and necessary equipment to maintain the Sea Turtle Patrol Program. Visit GTMNERR.org for more information.
All levels support the GTM Reserve and the Sea Turtle Patrol in helping as many sea turtles as possible complete their journey back to the ocean. The more little ones that make the journey have the better chance their populations can regenerate. The ultimate goal being that these beautiful turtles will one day no longer be on any endangered or threatened species lists.
All photography provided by Guana Tolomato Matanzas National Estuarine Research Reserve.
5
Realities Buyers & Sellers Will Face In
2021
A The following is a guest post by CHELSEA CORNELIUS
As we are halfway through 2021, we are seeing the Sellers’ Market that started in 2020 continue to go strong. In fact, across the country, if you’re buying a home, you will most likely be involved in bidding wars, and in many cases, the highest prices, best terms, and shortest closings win. All of this, plus the memory of our last housing burst, has people asking search engines over 200% more if there will be a Real Estate Market Bubble Burst in 2021. According to many real estate experts, including the CEO of Coldwell Banker, Ryan Gorman, the answer is no. The consensus is that because market leads are organic, people wanting to buy houses, as opposed to inorganic, there will be no burst. In 2007, there were inorganic leads in the form of investors creating a false demand which utlimately led to the burst we fear will happen again. If we trust the experts and historical data it is not likely to occur today. So, what will Buyers & Sellers face in 2021?
1
Low Inventory with High Demand Florida isn’t just a tourist trap. We offer sunny, warm weather, lower costs of living, and more land with amenities. The combination of rapid economic growth and the perks of living in our area have contributed to a massive influx of people migrating to the Sunshine State. In addition to those migrating, it has become apparent to many renters that buying is far more cost-effective than renting. That being said, the demand is at an all-time high which is only made more competitive with a low inventory. The inventory is lower than it has been since the early 1990s. The days of seeing ten or twenty houses to find their perfect home before putting in offers is not an option in 2021. Buyers will need to make concessions in 2021 and ask their Coldwell Banker Agents about recently sold comparable homes to what you are looking for in a home. Your agent can explain the sold and list price ratios. This will give you a better understanding of what your budget will realistically need to be to secure your dream home.
2
COVID has forced investors to expand. With banks and investors unable to foreclose or force short sales, and landlords unable to legally evict and get rid of properties, investors are having to expand their investment horizons. This often means they will be looking at overpriced, outdated homes that even regular buyers don’t want to touch. Investors willing to put in the time and money for flips can still maintain a good profit margin if they are strategic and involved, even with the current cost of lumber and other materials. For sellers, this means that investors might approach them with cash offers that might be more appealing than first-time home buyers, VA, or renovation loan bids. For buyers, this means you need to be prepared to go above the list price potentially. You might consider looking at a lower price point, so you have room to go above the list price without maxing out your budget.
3
New construction will continue to grow
Many home buyers want a new, updated, and completely move-in ready home, especially buyers moving from outside of Florida. Due to this organic demand, New Construction builders are reaping the rewards, even with the price of materials. Since the pandemic hit, the cost of lumber has increased 250%, according to a letter written by a Housing Coalition spearheaded by the National Association of Home Builders (NAHB) to Commerce Secretary Gina Raimondo. In addition to the cost of materials, there is also the time materials take to become readily available. The pandemic caused a wave of lockdowns, and increased safety protocols that affect material cost and timeframe. Additionally, recent US-imposed retaliatory tariffs on goods coming into the US are impacting the overall cost. For example, the bulk of lumber imported into the US is Canadian(83%.) Canada completely shutdown during the pandemic last year including it’s lumber mills. This limited supply, stalled, or completely stopped shipments. The US felt the affects and it is estimated that building a new home has increased at least 15% in the last year.
B
Although you would think this would halt new construction, builders pivoted and will continue to experience growth in 2021. They are doing so by either including clauses that increase the price you pay if the cost of materials increases or by requiring homeowners to pay market value at the end of the home building process. This means homebuyers will face a longer home building process and can expect to pay more in the end than the builder might quote. Your Coldwell Banker Vanguard Agent will help you navigate the negotiation contract process to put you in the best position when buying a home. Home sellers should expect new construction to effect their process the same way it always has, a little friendly competition.
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Appraised values might challenge rising market values. Home market values in Florida have been consistently rising by over 15% for single-family homes and over 28% for condos and townhouses. Home Market Values are determined simply by what homebuyers are willing to pay for homes. If you’re selling a home, your Coldwell Banker Vanguard Agent will have provided you a comparative market analysis to help determine how you should list your home. An appraised value is determined by an extensive index of requirements from a site visit in addition to a comparable market analysis. The issue for Sellers arises when there is a bidding war that results in homes selling way above list price, which was already market value.
Mortgage rates will play a role. In Florida, mortgage rates have been hitting historic lows. However, many experts, such as Brad O’Connor, Chief Economist for Floridarealtors.org, suggest that instead of the Bubble Burst, everyone fears it will be Mortgage rates that will eventually adjust the steadily increasing market values. However, it may not be immediate as mortgage rates start to rise, homebuyers will be less likely to buy anything. For sellers, this means if you are interested in selling, you should contact your Coldwell Banker Vanguard agent for a free-market analysis while it continues to be a Seller’s Market and home values are still increasing.
Thinking About Selling? Reach out to your Coldwell Banker Vanguard Realtor for a complimentary COMPARABLE MARKET ANALYSIS on your home today! C
Photography provided by the following in order of appearance. Kent Rebman (A), Blake Wheeler (B), and Digital Marketing Agency Network(C).
Carve Out A for YOURSELF at
HOME The following is a guest post written by MICHELLE LEE posted by SHARON LEE originally published on Blue Matter, Coldwell Banker’s Blog. Edited by Chelsea Cornelius.
Let’s face it; this past year has been challenging. Now that things are getting back to normal, there will be more family and friends events, work, and travel obligations. All of which can be very stressful. Having a personal haven at home to unwind and restore your mind, body and soul is key to staying sane and on top of it all. Even if you’re renting or moving soon, it’s important to have a space to de-stress on busy days. Make the most of your nooks and crannies at home with these ideas for a rejuvenating retreat.
Set Your Focus and Intentions Upfront Decide what’s most important to you and what you want to achieve during your personal time. It doesn’t have to be an ambitious goal; a simple wish to rest is perfectly valid. Alternatively, you can use this time for spiritual exploration or to work on your craft. Jot down your thoughts in a journal before, during, and after the experience, and keep it nearby to reflect on in future “you time.”
Make It Yours However nice a personal corner is, it won’t mean much unless you can connect with it. Place special mementos around the area that are extremely significant and meaningful to you. These could be pictures of your loved ones and favorite places or trinkets you’ve collected throughout your life and travels. Store a couple of your favorite books nearby, light candles, start an aromatherapy diffuser and brew a hot pot of herbal tea to add to the ambiance – whatever speaks to your heart.
Turn on the Tunes The right music has the power to immediately energize or stabilize your mood and take you to a place of idyllic tranquility. Before indulging in a personal retreat time, put together a playlist (your personal soundtrack) or download a relaxing podcast. Invest in a white noise machine to set the mood if words are too distracting to you.
Layer It Up If the only free space you have left is a spare corner of a room, don’t fret. Turn it into a cozy comfort zone by adding as many pillows and throws as your heart desires. They will immediately warm up any space and serve up a whole lot of style. Snuggling up with lots of layers and a good book can be so relaxing, especially if your retreat space ends up being your bed, as many are.
Practice Meditation or Yoga Once you’ve set up your space and are all ready to go, you may begin to think, “now what?” You certainly aren’t alone—having moments of silence are key to self-reflection but can also get boring fast or you may just not know where to start. A wonderful way to combat this is to set up an activity such as meditation or yoga that keeps you focused while also allowing for room to unwind and relax. Lay down a yoga mat and get started with a couple of beginner stretches. A
Go Outside If your home is simply too stuffy, step outside for a breath of fresh air. Bonus points if you have a lush garden to be your retreat. Hang a hammock or set up camp beneath a shady tree for a place to call your own. Being surrounded by greenery and basking in natural sunlight will immediately elevate your mood and induce relaxation. Furry friends are always welcome, too, petting your furry friend is also known to reduce the stress hormone while increasing your feel-good hormone, oxytocin. If you dont have a lucious backyard complete with a secret garden, you can still reap Mother Nature’s benefits by taking a stroll to a nearby park. If you’d rather keep it all indoors, though, pull up a chair near a sunny window and add a few low-maintenance houseplants. Succulents are great for first-timers and come in a variety of eye-catching arrangements. This welcome addition of life amidst the chaos of daily life will keep you happy and healthy all year long. Photography provided by the following in order of appearance. Roberto Nickson (A), Wes Hicks (B), Kadarius Seegars (C), Sema Martin (D), Andrijana Bozic (E), and Minh Pham (F).
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MARKET UPDATE APRIL 2021
MARKET BREAKDOWN What does this mean for BUYERS?
If you are looking to buy, your options are no longer plentiful. Your agent needs to be a fierce negotiator and give you realistic expectations of what your budget options might dictate. Be prepared to thoroughly examine what your must-haves genuinely are and what you can be more flexible on when looking at properties.
What does this mean for SELLERS?
Seller’s Market is holding firm in 2021. The low inventory means sellers have more control over pricing, closing, and other terms. Looking closer at the data, many homes are sitting on the market for less than a month, with outliers pulling the average towards the 50 days on market average. If you’ve been considering selling, this might be the time to contact your agent. Make sure you have all of your bases covered, and you and your Coldwell Banker Vanguard Agent are planning for your next home too.
Want the latest market data when it is available? Ask your agent if they are a part of the MLS MARKET UPDATE program. www.CBVHomesearch.com
GUIDING
YOU HOME Since 1906
Summer
Fun,
Camp Style Art Garage Camp
Ages: 5-18(k thorugh 12th grade) Dates: June 7 - August 6 Area: Near Town Center Times: Half-day (9:30 AM - 12:30 PM) Full-day (9AM - 3PM) If your kiddo loves to be creative, this is the camp for them. Your little artist can explore different art mediums and themes each week from “Let’s Get Messy” to “Rembrandt Renegades.” They will learn techniques, proper vocabulary, and a little art history in an uninhibited and encouraging environment.
theartgaragejax.com
Arts Edge School of Dance & Theatre Ages: 3 - 10 Dates: June 21 - July 23 Area: Clay County Times: Half-day “Big Camp” (9 AM - 3 PM) “Lil Camp” (9AM - 1 PM)
Does your kid have a passion for dancing, or preforming? Why not check out Arts Edge School of Dance and Theatre. The camp offers several styles of dance from ballet to hip hop as well as theatre and more!
artsedgedance.com
Collage Day School Ages: 3 - 10 Dates: June 1 - July 30 Area: Ponte Vedra Times: 9 AM - 3 PM
The Collage Day School has a mission to cultivate kid’s sense of wonder and curiosity for the world. Each week has a fun theme from Deep Blue Sea to Super Hero Week. If your kid loves to play, create, and explore this is the camp for them.
collagedayschool.org
Estuary Summer Camp
Ages: 6-9, 10-12, & 13-15 (3 day research camp) Dates: June 14 - July 30 Area: St. Johns Times: 9 AM - 3PM Campers can explore four different ecosystems within the Guana Tolomato Matanzas National Estuarine Research Reserve (GTM.) In addtion to the environmental activities campers will listen to guest speakers, eco-style projects and much more! Age groups are offered an alternating week schedule throughout the summer.
gtmnerr.org
Shiva Robotics Academy Ages: 3 - 10 Dates: June 7 - August 6 Area: Southside Times: 9 AM - 3 PM
Are Robots your kid’s thing or is science their favorite subject? Shiva Robotics Academy has a great summer camp for kids to explore what goes into designing, creating, and enjoying LEGO robotics. No experience necessary and spots are filling up quick!
shivarobotics.com
This past month was packed with events and giving from our Coldwell Banker Vangard Realty Offices to CBV cares and charities across Northeast Florida. The Avondale Office held an event April 29th at the Clara White Mission to feed the homeless on Jaguar’s Draft Day. They have also commited to filling the JASMYN pantry. JASMYN supports the LGMTQ in and around the community. Additionally, they are contributing to the restoration of The Good Shepard Episcopal Church pool which provides safe summer fun for many members of the community. An anonymous donor is matching Avondale Office’s contributions to the The Good Shepard Episcopal Church up to $10,000. What a wonderful, contagious spirit of giving the Avondale Office has Inspired! The Fleming Island/ Oakleaf Office presented checks to The Children’s Home Society, the Way Clinic, and the Village Improvement Association of Green Cove Springs. The Children’s Home Society builds bridges of success for children by providing leadership for schools. They help to create and sustain programs and services to students, families, and our community. Fleming Island/ Oakleaf Office is also hosting a Big Hearted Bingo event June 1st at Eagle Harbor. You can RSVP to (904)637-0914 if you want to get in on the fun! The Town Center Office is preparing to host a Cornhole Classic Tournament September 18th to fundraise for a grant that will benefit the Special Olympics of Florida. The funds raised from this event will go towards equipment, uniforms, travel to competitions and much more that directly relates to the success of the Special Olympics athletes. is spear heading this years event, if interested in attending or want more information, please reach out to David at davidisrael@cbvfl.com.
David Israel
To nominate a favorite charity or organization that is near and dear to your heart, contact your CBV agent for more information.
A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BE OBTAINED FROM THE DIVISION OF CONSUMER SERVICES BY CALLING TOLL-FREE (800) 435-7352) WITHIN THE STATE. REGISTRATION DOES NOT IMPLY ENDORSEMENT, APPROVAL, OR RECOMMENDATION BY THE STATE. The State of Florida registration number for CBV Cares, Inc. is CH61481.
Closing Bear is a fast-paced title company that offers title insurance and closings for anyone buying or selling real estate. Simply put, Closing Bear does all the paperwork when someone buys or sells property...but they do it better than anyone else.
OUR PROMISE We will take the stress out of your transaction and your closing will be a celebration, not a relief. We will add education to each customer so that you leave your transaction knowing every detail, and not asking “what did I just sign?” We will communicate with every party in the transaction in real time, clearly, and effectively. We will work harder than any title company you’ve ever seen.
ABOUT US “Closing Bear launched in June, 2019, and has quickly become the fastest growing title company in Jacksonville. By infusing modern technology and practices into an age-old industry, Closing Bear has positioned itself as the most innovative company in its market.” —Innovate Jacksonville
Chip Lynn, CEO/Managing Attorney • Chip@ClosingBear.com • (904) 738-1672 • www.closingbear.com