IN OCTOBER’S ISSUE The New Normal: What if Sellers Become Complacent? Haunted Hangouts Mortgage Fraud & You
THE HOUSING MARKET IS HOT!
Here’s why you should consider
BUYING IN JACKSONVILLE IN 2021 AND BEYOND. As the Jacksonville Business Journal* reports, more people are moving to the area for a suburban lifestyle in a smaller, affordable market versus more crowded and expensive urban cities. The average single-family home value in Jacksonville was up by more than 5.5% in September 2020. This record high comes at a time when for-sale inventory is down by 42% compared to the previous year!
Call (904) 269-5992
or
• Strong population growth in the area • Job market was ranked 22nd by Forbes as the best place for careers and job growth • Decreasing inventory combined with robust demand is expected to drive housing prices even higher in Jacksonville in 2021 • Population growth and the area's affordability give Jacksonville great rental market potential • Overall, the city and the nearby beach offer a high quality of life
Apply at nflp.com/billiwest Billi West | Branch Manager/Team Lead NMLS# 306348 3521-B US Hwy 17 | Fleming Island, FL 32003 W: 904-269-5992 billi.west@nflp.com
*https://www.bizjournals.com/jacksonville/news/2020/10/30/residential-real-estate-cp.html
O C T OB ER
2021
IN YOUR CORNER MORTGAGE FRAUD & YOU
COMMUNITY PROPERTY HAUNTED HANGOUTS
FEATURE STORY THE NEW NORMAL: WHAT IF SELLERS BECOME COMPLACENT?
LIVING LARGE 5 DESIGN TRENDS
MARKET UPDATE CURIOUS IF PRICES ARE UP? WHAT’S THE MARKET DOING? WE’VE GOT ANSWERS!
KID’S CORNER PUMPKIN PLANS
CBV CARES LEADING THE WAY IN OUR COMMUNITIES
The cover image was photographed by JAMES BALENSIENFEN.
©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.
Mortgage
& YOU
The following is a guest post from Ryan B. Bormaster, a practicing Real Estate Law attorney, posted by Sam Shalom originally published on Blue Matter, Coldwell Banker’s Blog.
A mortgage is the biggest, most important contract most of us will ever sign – and one with a certain sense of finality to it. We’re telling ourselves that this is it. This is where we’ve decided to put down roots, where we’re going to live for at least the next decade. Particularly given the current economic climate, being able to afford a mortgage is also something of a point of pride. An achievement to outshine all achievements. It’s easy to get caught up in that, to get lost in the moment and forget to practice your due diligence. And that’s what criminals are counting on. It should come as no surprise that mortgage fraud unfortunately happens, and instances of fraud are growing more frequent. Real estate is, after all, an extremely lucrative field. We’re talking about hundreds of thousands of dollars – more than most people make in a year. The issue here is that this particular breed of fraud doesn’t always take the form some people might expect. Very rarely will you encounter a shyster who tries to talk you into a poorly disguised, thinly-veiled scam. The men and women who commit mortgage fraud tend to be a bit more creative about it. That isn’t to say there aren’t red flags that you can teach yourself to recognize. Although there are many different types of mortgage fraud that you may encounter, they all tend to share a few traits in common. Picking up on those traits can make all the difference in the world.
Promises and Guarantees Did someone claim they could get you a huge reduction on what you owe on your mortgage? Did they tell you upfront that they could prevent foreclosure? Generally speaking, if a realtor foreclosure specialist or seller promises you anything, proceed with caution – they might be trying to fleece you. The buying and selling of homes is not a business that deals in absolutes; save for whether or not your credit score is good enough and whether you can afford the down-payment. Always keep that in mind.
Everything Seems Too Good To Be True Amazing deals do exist, but if an offer strains the limits of your common sense, it’s probably best to get a second opinion. Are you really being offered a property at way below market value, or is there something more going on beneath the surface? Is your mortgage broker really giving you a 1% interest rate, or are they planning on skipping town with your money? As a general rule, when in doubt, bring in a third party. A fresh set of eyes, ideally one with a solid understanding of real estate law. Someone who can pick up on what you may have missed.
They’re Making Unreasonable Demands Is your mortgage broker pushing you to move forward with a deal without first consulting with a legal expert? Are you being pressured to put someone else’s name on the deed to your home? Does the seller of a property get offended if you request to bring in an appraiser or have an inspection done? Do they want things kept entirely confidential? Runaway! A reasonable seller will never balk at an appraisal, nor will they be offended if you wish to speak to a legal expert at any point.
Something Just Doesn’t Smell Right Take a close and careful look at all the documents you’ve been provided in connection with your pending mortgage, and speak to the seller. Someone who’s above-board will have no trouble providing you with complete information on their property and its occupants. Someone who’s trying to defraud you will get flighty. They might request that you keep the deal confidential or promise you the relevant information ‘later.’ Say no, and consider purchasing a different property – no matter how much you might want this one.
Don’t Let Yourself Be Taken For A Ride Your mortgage is probably the biggest purchase you’ll ever make. You need to ensure you’re taking the utmost care when you commit to it – that you know how to recognize the warning signs that someone’s trying to defraud you and understand when it’s time to back out of a deal. As a general rule, you should always have a legal expert on hand whenever you’re going through a deal like this. Someone you know you can trust and who’s going in without any ulterior motives. Run everything by them, and you’ll be able to find a mortgage that’s totally above-board and ultimately enjoy your new home.
Don’t go it alone, your Coldwell Banker Vanguard Agent will help guide you to the right mortgage broker to avoid any mortgage fraud!
www.cbvhomesearch.com
Haunted Hangouts
Some of us, like myself, are perfectly happy with our basic pumpkin spice latte and watching Hocus Pocus after an early night of trick-or-treating with the little ones. Others might be looking for a true paranormal experience on their All Hallows’ Eve. For those we have created a list of Haunted Hangouts throughout Northeast Florida for you to explore. Happy Hunting!
The following is a post by Chelsea Cornelius.
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Castillo de San Marcos Amelia Island Museum of History
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One of two buildings that are both believed to be haunted and formerly jails, the Amelia Island Museum of History was a jail as far back as the early 1800s. In 1817 the notorious pirate, Luis Aury, landed on Fernandina’s shores and tried to declare the island now belonged to the Mexican Republic. Like many pirates, Aury committed numerous crimes and was eventually jailed and tried. With a hanging looming over his head, Aury decided to take his own life. Unfortunately for him, it was not quick and painless as he was caught attempting to slit his throat. As you would expect a 19thcentury surgeon working on a pirate set to die the next day, Aury’s neck was crudely sewn back together, and they hanged him the next day. There have been various accounts of Aury’s moaning heard throughout the jail, as well as sightings of the pirate’s ghost, complete with a massive gash across his neck.
The oldest city in the United States is also known as one of the most haunted. Built during the 17th century, the Castillo de San Marcos was built to protect the city, and while unsurprising a soldiers’s spirit has been spotted looking toward the horizon, it is believed war was not the cause of this lost soul. A lover’s triste is believed to be the reason for the most prominent haunted experiences within the grounds. It is said Colonel Garcia Martis discovered his wife’s perfume on Captain Manuel Abela after the lovers had been secretly meeting for months. After the Colonel smelled the scent on the Captain, the two lovers mysteriously disappeared, only to be discovered as two skeletons hidden in the dungeons fifty years later. You might catch a whiff of her perfume, experience a cold chill in the air while walking in the dungeons, or even spot the soldier believed to be the murderer himself, Colonel Martis, as others have accounted in haunted visits past.
Florida Theatre and is always happy and smiling when his apparation is seen. When the theatre completely renovated all of the seats back in 2020, they were adamant about keeping the gentleman’s and the accompanying seat in their home. All of the other seats were completely replaced with slightly wider new ones, but the two “ghost seats” were sent to be carefully refurbished and returned for the smiling gentleman to enjoy for many more years to come. If you’re looking for more of a Casper, the Friendly Ghost vibe, the Florida Theatre might be just the ticket for you. F D
Clay County Historical & Railroad Museum The other former jail on the list is now the Clay County Historical & Railroad Museum, but it was an active jail and courthouse for over 150 years. The staff and ghost hunters from all over the country have had numerous encounters within the building. Most ghost hunters have left recordings of prisoners’ past telling them to “GET OUT!” Additionally, you can sometimes hear footsteps throughout the building, and a set of playing cards are frequently checked by staff to see if they have moved. There have also been sightings of a prisoner who took his life by using a soup can lid. E
The Florida Theatre The Florida Theatre is a luxurious monument to the roaring twenties, and the joys theatre brings to all who visit the local treasure. It has also been named one of the seven most haunted spots in Northeast Florida. Lights will flicker on and off, equipment will make noises when unplugged, and many have seen a gentleman looking down at them and waving from the balcony. Although there are several guesses at the smiling gentleman’s identity most often found in section E2 Seat 500, yes, he has his own seat; the one thing that seems to be consistent was that this spirit loved the
Ginger’s Place Another friendly ghost is that of Ginger, who haunts her former bar in Jax Beach. She was a radiant showgirl who turned bar owner with her husband Ziggy and named the bar after her stage name, Ginger Lani. Ginger has been known to tap people, throw signs across the room, make money appear out of thin air, and appear as an apparition walking about as if she still owns and operates the place. Ginger isn’t the only ghost to haunt this word-of-mouth gem. According to other accounts, there are gentlemen ghosts too. Two, in particular, are believed to be the sons of a grocery store owner that was in the building in the fifties. They drowned while on a shrimp boat and eventually washed up on Third Street. There have also been mentions of a man at the Jukebox, believed to be another previous owner who died, you guessed it, at the Jukebox. Whether you want a paranormal experience or just a good drink, Ginger’s Place is a great place to hangout.
Photography provided by the following in order of appearance: Annie Spratt (A), All images from State of Florida Archives, floridamemory.com (B, C, D, E,), and Ginger’s Place(F).
The NEW Normal: What if Sellers
Become Complacent? The following is a post by Cara Ameer, Coldwell Banker Vanguard Realtor in Ponte Vedra, originally published in Inman News. Edited by Yessenia Divovic and Chelsea Cornelius.
The pandemic transformed the entire selling process — from prep-for-sale activities to scheduling and managing showings to fielding multiple offers. The experience looks different now and sellers are very aware that the ball is in their court. On every main street in America, you’ll likely overhear armchair experts advising sellers to just plop their home on the market and see how much over-asking they can get on this wild real estate ride. And that might be true, for now. The days of having to compete with ten or more properties in the neighborhood are long gone. A seller putting a home up for sale now might be the only home on the market in the neighborhood. Days on the market have taken a nosedive, in many cases, falling to less than ten as an overall average. (In reality, however, it was more like one or two days at the most.) Instead of what would be a leisurely open house on a Sunday afternoon, today, sellers are faced with a long line of buyers and their agents, eager to sneak the first peek. In this crazy market, with so much demand, does it even make sense for a seller to bother doing anything — like, entertain repairs, keep their homes in tip-top shape, or indulge in negotiations? In short, as we transition out of the COVID-19 pandemic, how much have the rules changed for sellers?
Selling ‘as is’ and ‘sight unseen’ Homes are increasingly being sold “as is.” The post-inspection repair list is a thing of the past. Sellers do not have to entertain repairs unless it’s something structural in nature or safety-related. If it’s not something that could affect the ability of the home to close — like an appraiser calling out the condition or the buyer’s ability to obtain insurance — chances are, sellers won’t be troubled with it. The new normal doesn’t allow for buyers’ nit-picking or any renegotiation. What’s more, buying sight unseen is now more common in today’s market. There’s so much technology out there to make that possible. Coldwell Banker Vanguard Agents are able to provide buyers and sellers with video walk-through tours, drone images and video, 3D floorplans, and HDR quality images. And on top of that, the availability and quality of property data help “buyers know what to offer, when and what waiting even a week or two might bring,” as Craig Rowe wrote in 5 Reasons Buying Sight Unseen isn’t as Much of a Risk as You Might Think.
Appraisal contingencies? Not so much There is less regard for appraised value unless the buyer audience for the home is obtaining financing where that could be more of an issue, such as FHA or VA. Even then, many buyers, having lost out on more than one home, may be willing to concede a bit if they have the cash to do so. Buyers doing conventional financing understand they may have less leverage with a seller as far as the appraisal goes, and they are willing to take their chances. In many cases, it’s the only way to secure the winning offer. In our new normal, a seller doesn’t have to sweat the appraisal process and be prepared to renegotiate like they once did — because there are likely several other offers submitted as back-ups.
One-upping the Joneses When it comes to pricing, the new way is to top the highest-priced comp that just sold. It doesn’t matter if the seller’s home is as nice or not if it’s the only one in the neighborhood, and amongst a handful of homes on the market in its particular price range, the price is going higher by default. After all, what sold a month or two months ago doesn’t matter as much.
Prepping for sale Is prep-for-sale dead? As we wondered before, in this market, does it even make sense for a seller to bother with prep? Well, the rules haven’t completely changed. A little bit of prep goes a long way — even if that means basic cleaning, organizing, and adding a fresh coat of paint. While a seller may not have to replace countertops or even appliances (well, turns out the pandemic has caused massive delays), the buyer will gladly plug into the seller’s existing ones, including the washer and dryer — even if they aren’t the fanciest of machines. Better to make do with what comes with the house instead of having to find a laundromat because the new washer and dryer have been on backorder for several months.
Putting your best foot forward Multiple offers are part of the new normal for selling a home in a post-pandemic world. This can be both a blessing and a curse at the same time. While sellers love to have buyers competing for their homes, the competition is fierce. Sellers may feel like they are being stalked as buyers vie for their attention, wanting to be the chosen ones. In multiple-offer situations, sellers are really getting to test the skill and prowess of their agent. Multiple-offer scenarios are not for the faint of heart, and for an inexperienced agent whose phone is blowing up with texts and calls from numerous agents, the process can be difficult to manage. But this is sometimes even true for experienced professionals. Something called the “escalatory addendum” or an “escalation clause” is part of the new normal, and it may be used by more than one buyer making an offer. Crazy offers that are way over the asking price may have the sellers feeling like they’ve hit the lottery. However, a skilled agent will be able to separate the wheat from the chaff and discern what may be truly authentic versus someone throwing out a number simply to “win” and potentially renegotiate later. Receiving numerous offers often means the listing agent has to summarize and explain the terms of each one, which requires a significant amount of preparation for the agent. Sellers may be surprised to find color-coded charts putting all the terms side by side along with printed copies in a binder, tabbed and indexed for easy reference. Just like there are multiple offers, something called the “multiple counter” is also a part of the new normal, depending on how the seller and agent want to play it. Sellers have to be prepared in today’s climate; more than one party may be as equally competitive in giving them the price and terms they ask for — which may require more rounds of negotiation to determine who the buyer for the home is.
Staying after closing Sellers moving out in time for the closing date was so 2019. Now? It’s more common for sellers to stay in the house after closing — for however long they want. The ability for a seller to occupy a home post-closing at no cost to them is the new
normal offered by buyers as a way to seal the deal. While it may seem like an ideal situation for the seller, it’s also one that could be ripe with liability and many gray areas and issues that could crop up after closing. This is where a Coldwell Banker Vanguard agent’s expertise is useful. They’ve learned how to coach sellers through this process.
Short offer deadlines The pandemic created the new normal of limited showing appointments, with buyers being thoroughly vetted before the appointment is even arranged. Buyers sending their financial qualifications to the listing agent ahead of time helped reassure sellers that they’re real and serious — not just tire-kickers. But aside from limited showings, the new normal now includes tight deadlines to submit offers. Agents are finding that one effective way to generate offers is to ask for them to be submitted within 24-48 hours after the listing goes live. This technique works to bring a little certainty to what can be a largely uncertain process for a seller by yielding multiple offers in a short period of time. The pandemic dramatically shortened the listing and selling process for sellers and forced buyers to become decisive about what they want. Now that sellers have gotten a taste of it, they will likely not want to go back to the days of having their home ready 24/7/365. The problem is: it won’t always be a seller’s market. Markets are cyclical — we know sellers can’t rest easy forever. As we saw in the last market crash, when sellers haven’t been doing the legwork to get their homes ready, it takes a lot of retraining and expectation adjusting to get them to prepare their homes at the levels they were before the seller’s market. As Coldwell Banker Vanguard Agents, we understand that it is best to prepare sellers to not skate through the process and understand the importance of maintaining our standards to achieve the best possible results.
www.cbvhomesearch.com Contact your Coldwell Banker Vanguard Agent and they can help guide you in all of your real estate needs.
52021 Home Design
Trends for
Floral prints, unique window treatments, black and white wall art, and many more are evolving design trends in 2021. When you dream up your home and develop your style, it probably won’t look The following is a guest post by JENNY B. originally published BY SHARON LEE on like a basic minimalist abode. Blue Matter, Coldwell Banker’s Blog. Edited by Chelsea Cornelius. If you are looking to renovate your home this year, take a look at the following home design trends to incorporate into your rooms:
Vintage Accents
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What goes around comes around again in the home design space. Traditional, vintage accents, such as spooled leg and spindles are having a comeback this year. You don’t need everything to be from the antique dealers. Instead, add several vintage accents to your home interior to make your space feel more inviting. Furthermore, there are many styles when it comes to vintage, and the style you choose depends on your personal taste. For instance, you can have a metal bed frame with intricate details paired with a feminine chandelier to achieve harmonious decor. Similarly, invest in old pitchers and vases to add something practical to your space. You can pull off the look simply by having two or more vintage items throughout your home. B
Floral Wallpaper From your grandmother’s dining room to hotel rooms, you might have noticed floral wallpapers. Well, you should expect to see floral wallpapers even more frequently than ever before. From pastels and watercolor to graphic statements, floral wallpapers are on-trend. Moreover, this wallpaper style is a great way to transform your room and bring a pleasant garden setting indoors. Some of the most popular wallpaper designs are cherry blossoms, bright and whimsical floral animal prints for kids’ rooms, mural wallpapers, and drawing-inspired wallpaper, to name a few. You can blend classic art and modern design by layering wallpaper under your gallery wall forming an effortless statement. Additionally, go for the removable wallpaper so, if you don’t love it or want to go for a new look in a couple of years, you aren’t in for the headaches that come with removing traditional wallpapers.
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Color-Pop Cabinets Not into an all-white kitchen? Why not go for colored cabinets! The trend is to select one or several elements, like your kitchen wall cabinets, island, and base cabinets in bold shades, like green, navy blue, bright yellow, or dark red. Choose marine blue if you have an open kitchen space. This shade will feel more formal than a light color without feeling too moody or dark as black. The coral pink kitchen cabinets will feel like you’re always on vacation. It’s upbeat, quirky, and unique without feeling overdone. Paint your kitchen cabinets with a pale yellow that feels sunny, fresh, and cool throughout the year.
Minimalist Fine Art If you are into wall art, you can consider buying line drawings that will make a minimalist statement. Often drawn as black lines on a white background, line drawings make a strong visual impact. With society’s growing focus on F conscious living, earth-friendly inspirations are great too. Art pieces inspired by the earth are making a comeback. For people who love nature and the environment, earth tones of tree beige, ground brown, grass green, and sky blue are the best color choices to make a subtle statement. Typographical art prints, including pillows and hanging wall art, are known for making a solid statement. Consider black and white wall art to make a dramatic G contrast but still, keep the walls monochromatic to harmonize with bold pillow prints in your home design.
Crittall-Style Windows & Walls Crittall-style windows are coming back as a way to boldly beautify your home. In addition to an exterior facelift now, these can be used as extensions, room dividers, and shower screens. The best part is that crittall-style glass could easily replace the hallway wall while adding beauty to your space. Everyone seems to be obsessed with them. Maybe because the graphic look of crittall-style windows fit the industrial trend, if you plan to replace or add an old window or door with something bold and beautiful, then look no further. Crittall-style windows are for you. Whether you are looking for small and affordable ideas or something luxurious and expensive, these home design trends are sure to cover you. Follow these wonderful ideas to decorate your home, so it can shine and stand out this year. Photography provided by the following in order of appearance. Isaac Quesada (A), Trend (B), Anne Nygard (C), Zsofi Perganczky (D), Trend (E), Collov Home Design (F), and Alexandre Gornago(G).
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Market Update August 2021
Want the latest market data when it’s available? Ask your agent if they are a part of the MLS MARKET UPDATE program.
According to NEFAR’s most recent press release, “Many sellers have taken advantage of escalating sales prices, only to discover the frustrations of being a buyer after their houses have sold. Unable to find a suitable home to purchase, many have been forced into the rental market. Increased demand for housing as well as an improving economy has sent rental rates soaring.”
What does this mean for BUYERS?
Inventory is still lacking, so your options will continue to be slim. The best chance you have is to have a Coldwell Banker Vanguard Agent help guide you through the process. They know how to navigate the market, are strong negotiators, and maintain those relationships with the top agents to hear about any properties coming on the market first!
What does this mean for SELLERS?
Make sure you are prepared for the market after you sell. The reality is, just as NEFAR stated, if you don’t have a place to go after your sale is final you will experience the other side of the coin. Speak with your Coldwell Banker Vanguard Agent about the market and your goals. They can advise and guide you on the best way to achieve your real estate goals.
www.CBVHomesearch.com
P LA N S It may not be sweater weather but we can still enjoy all things fall in Northeast Florida! Consider adding any of these fun fall spots to your pumpkin plans this year!
Amazing Grace Family Farms Area: Green Cove Springs Website: agcropmaze.com
Farm animals, a jump pad, massive crop maze, sunflower fields, & of course a pumpkin patch. This farm has everything you need for your family to have a fun fall afternoon! Available to visit from October 1st through the 30th. Visit their website for ticket information.
Connor’s A-Maize-ing Acres Area: Hilliard Website: connorscornmaze.com
You can enjoy fall farm rides, an 8-acre corn maze, feed the cows and calves, and so much more at this 125-acre working family farm. Last year the corn maze had a Charlotte’s Web theme and we can’t wait to see what this year’s will be! Check out the website for times and ticket pricing.
Holiday’s Nursery Landscaping Area: Jax Beach, Southside, and Nocatee Locations Website: holidaysofjax.com
All three locations have a variety of pumpkins for you to choose from and you don’t have to pay for anything but the pumpkins you take home! You can enjoy selecting unique gourds and a number of other botanicals they have throughout the nursery. Check out their website for location hours and addresses.
Skye Family Farms Area: St. Augustine Website: sycofarms.com
October 2nd through the 30th the family fun at Skye Family Farms is in full swing. There is a 9-acre maze, farm animals, hay rides, live music, play area, and pumpkins, of course! Check out their website for details on tickets and times.
Photography provided by the following in order of appearance. Robert Zunikoff (A), Luis Arias (B), Amy Burgess (C), Patrick Fore(D), Kyle Paz (E), Mike Cheshire (F), and Derek Owens(G).
“Giving to those in need will bring more joy than money could ever buy.” -Dave Ramsey Fall is in the air, at least we Floridians pretend it is, even if it’s 80 degrees outside. The giving spirit that comes with this time of year is in full force within our Coldwell Banker Vanguard Offices. They have been busy fullfilling grant requests, and planning and hosting CBV Cares events for Northeast Florida charities. The Avondale Office hosted a musical Event Night that coincided with the Music In Avondale soiree the Historic Avondale threw September 24th. The Avondale Office collected $10 donations from guests who enjoyed fun games and live music from Ben Purdy Jr., a beloved local saxaphone player. While Fleming Island/ Oakleaf/ Keystone Heights Office planned and hosted one of their fabulous Bingo Nights. They look forward to allocating funds raised to local CBV Cares charities. The Beaches Office presented a $605.86 check to BEAM’s Executive Director Lori Richards. Beaches’ CBV Cares Co-Chair Jeanie Leapley presented the grant check that she helped raise with her virtual Papered Chef Fundraiser earlier this year. BEAM’s organization serves the low income residents in the Jax Beach community and has most recently been working to help seniors displaced by the housing market to find safe homes. The Mandarin Office presented their check for $500 to The Vinson Foundation, a non-profit organization that helps friends and family learn how to cope with loosing someone to suicide. All proceeds will go to helping The Vinson Foundation facilitate their support group meetings hosted throughout the Northeast Florida area. If you or someone you know has lost someone to suicide, you can find help with all of the emotions, confusion, and guilt associated with your loss. The Town Center Office presented it’s grant to The Special Olympics to absorb the costs of the Cornhole Classic venue rental. This allows the 4th annual event being held on October 16th to raise funds entirely for the Special Olympians. David Isreal is working hard to help coordinate the event and has shared the Town Center Office will also be presenting another check at the upcoming event! If you are a cornhole efficianoto or just want to support The Special Olympics you can check out the event information below. 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.
GUIDING
YOU HOME Since 1906
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
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