IN SEPTEMBER’S ISSUE 5 New Construction GOTCHAS to Watch Out For NOW! Jax Beach Roller Coaster History Had Its Ups & Downs Autumn Nights Outdoors: How to Enjoy Your Outdoor Space This Fall
A Step Ahead of the Rest
The Jacksonville branch finds mortgage products that meet our clients’ needs today and solutions that bring them long-term financial security for the future. THE
In-house processing, underwriting, and funding to expedite the loan process.
KEENE TEAM POWERED BY ACADEMY MORTGAGE
Mary Keene | Branch Manager | (904) 813-0000 NMLS #396398 | GA #45937
Flexibility to meet demanding closing dates. We will be in control of the loan file from start to finish and will keep you up to date on the status of the loan at all times. Our hands-on approach helps us ensure that you will have an on-time, hassle-free closing on your home.
Chris Zalupski | Loan Officer | (904) 505-0130 NMLS #918310 | GA #918310
Paul Briggs | Loan Officer | (904) 386-4061 NMLS #659563
Tyler Payne | Loan Officer | (941) 400-4835 NMLS #1369876
Lisa Daniels | Sr. Loan Officer | (904) 219-1417 NMLS #453340 | GA #453340
Matt Whetstone | Loan Officer | (904) 894-1021 NMLS #2022143 | GA #2022143
THE
The Jacksonville branch collectively has over 200 years of experience.
HOMETOWN TEAM POWERED BY ACADEMY MORTGAGE | Serving All of Florida
Rachel Rogers | Sr. Home Loan Specialist | (904) 334-5965 NMLS #177092
Teechee Buhnerkemper | Loan Officer | (904) 237-8318 NMLS #459860
Rely on the Jacksonville branch to stay one step ahead in solving your home financing needs. Contact us today.
Robby Moran | Loan Officer | (904) 673-8687 NMLS #2126091
Julie Grandy | Loan Officer | (904) 866-7050 NMLS #179973 | GA #65229
Rhonda Casey | Loan Officer/LOA | (904) 559-4757 NMLS #1687554
9428 Baymeadows Road, Suite #545, Jacksonville, FL 32256 Corp NMLS #3113 | Equal Housing Lender | Corp State Lic FL #MLD241, GA #20505 | Georgia Residential Mortgage Licensee | MAC822-1476393
SEPTEMBER
2021 IN YOUR CORNER MAINTENANCE TIPS TO AVOID COSTLY A/C REPAIRS
COMMUNITY PROPERTY JAX BEACH ROLLER COASTER HISTORY HAD ITS UPS & DOWNS
FEATURE STORY 5 NEW CONSTRUCTION GOTCHAS TO WATCH OUT FOR NOW!
LIVING LARGE AUTUMN NIGHTS OUTDOORS: HOW TO ENJOY YOUR OUTDOOR SPACE THIS FALL
MARKET UPDATE CURIOUS IF PRICES ARE UP? WHAT’S THE MARKET DOING? WE’VE GOT ANSWERS!
KID’S CORNER BREAKTIME ADVENTURES
CBV CARES LEADING THE WAY IN OUR COMMUNITIES
The cover image was photographed by TABITHA TURNER.
©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.
Maintenance Tips to Avoid CO$TLY A/C Repairs
The following is a guest post by David Baur, Product Manager, Grace Residential Building Materials posted by LINDSAY LISTANSKI originally published on Blue Matter, Coldwell Banker’s Blog.
A good air conditioner is an important appliance in hot, humid Florida. Nobody wants the A/C to break down in the middle of a warm day, luckily, just a few minor maintenance steps can prevent costly A/C repair later on. Here are some tips to keep your air conditioner running:
Filters There are two main components of A/C maintenance that homeowners can control — filter changes and drain lines. The first one to take care of is your filter. A/C filters catch a lot of dust, dander, and lint floating around your home. Unfortunately, even filters that are working properly can cause problems in the long run. As debris builds up over time it can cause your air conditioner to actually work harder. This can make it overheat and become terribly inefficient. Simply changing the filter and cleaning the grate can help you avoid A/C repairs by keeping your unit working more efficiently.
Drain Lines The drain line leading to the outside of your home is frequently overlooked, but homeowners can actually maintain it themselves. An A/C, be it a small window unit or a large centralized one, is nothing more than a big dehumidifier. Air in the room is drawn in through the filter and intake, then blown across coils filled with coolant and returned back into your home. Condensation collects on the coils as warm air passes over them, and this condensation drips down into a pan beneath your unit. The water is then funneled out of your home to the yard through a small PVC pipe (usually an inch in diameter). This pipe can become clogged with yard waste, dirt, mold, and mildew. This usually occurs at the opening of the pipe outside, but that gunk can travel up into the pipe.
To make sure your drain line is clean, you should go outside and locate the line. You usually will find a one-inch pipe near the outside A/C unit. Sometimes this line can be covered up with dirt or mulch during new home construction. Clear the area to make sure the water flows out — it’s usually just a trickle, but over time the water can get backed up. Spray straight bleach into the end of the pipe to kill the mold and mildew. From the inside, under the air handler unit, find the drip pan (a large, thin, aluminum pan). The pan will usually be tilted in one direction, and at the corner of that tilt area, you can find the top of the drain pipe. Pour two capfuls of straight bleach down the line. If there are any right-angle joints down the air handler line be aware, mold and mildew can accumulate in those areas as well. The bleach will sit in those areas and kill the mold. If you do not adequately maintain this drain line, water can get backed up in the drain pan, where it will overflow and ultimately cause water damage to the surrounding areas. This turns a small problem into a costly A/C repair. For homes or condominiums with an air handler that is on the second story or higher, this overflowing water can damage ceilings and walls underneath.
What Now?
With these simple how-to tips, you can keep your air conditioner running at optimal performance and avoid paying for A/C repairs. Be sure to check your unit regularly and take the necessary precautions to avoid having to shell out big bucks later.
JAx Beach ROLLER COASTER History
HAD ITS
The following is a post by Chelsea Cornelius.
Jax Beaches are always a great attraction to tourists and locals alike with fantastic food, beaches, art, and nightlife. Jax Beach got it’s name in 1925 along with the roots of the lifestyle and culture we know today. Let’s look back and find out more about a piece of forgotten Jax Beach history.
A
Back in the late 1800s, Jacksonville was quickly becoming a hotspot for tourists to vist. Jax Beach, in particular, drew crowds with a fun-filled boardwalk. It had food, dancing, the renowned Murray Hall Hotel, and of course, the beach. Although the initial boardwalk burned to the ground in 1890, by 1905, the amusement park known as “The Pavilion” was born.
The Pavilion came to be known as “The Little Coney Island.” It stretched eight blocks and was loaded with games, bowling alleys, dancing, concession stands, and more. It was beloved by all who enjoyed its splendor but quickly started deteriorating due to the saltwater and wind. Sadly, The Pavillion was ultimately torn down in 1925. Rather than waiting until The Pavilion was demolished, Ocean View Pavilion amusement park and Shad’s Pier construction were well underway. The Ocean View Pavilion featured Jacksonville’s most iconic roller coaster, which was built by John Miller of Miller & Rose Amusement Company for W.H. Adams Sr. at the very spot Murray Hall Hotel once luxuriously stood. This roller coaster reached 50 miles an hour and rose 93-feet high at its peak, the highest structure in Jax Beach at
that time. The roller coaster took twelve thrill-seekers on a one and a half minute ride around a 3,168-foot-long track. The enormous wooden coaster dominated the coastline but eventually also succumbed to mother nature. It too was vulnerable to the ocean winds and the harsh storms Jacksonville experienced during Hurricane Season. The roller coaster was closed several times over the years but always came back for the people to enjoy. It didn’t see its final curtain until 1949; it was deemed unsafe and was eventually demolished in 1950. From the ashes of the Ocean View Coaster rose a much smaller steel coaster known as the “Wild Mouse.” The Wild Mouse was joined by other amusement park rides, but the giant coaster’s loss saw a decline in business, and another fire a few years later put an end to Ocean View Pavilion. Another amusement park was constructed a few blocks away called Playland Park with bumper cars, a tilt-a-whirl, Ferris wheels, and an arcade loaded with penny games. Playland Park lasted for a couple more decades, although most of the area was destroyed by Hurricane Dora in 1964.
C
D
By the 1970s, the remnants of the great Jacksonville roller coasters had vanished, and today the closest thing to an amusement park near Jax Beach is Adventure Landing off Beach Blvd. If you’re feeling a bit nostalgic and want to take a ride, you could always visit the Jacksonville Fair in November. It often features Wild Mouse style coasters, a Ferris wheel, tilt-a-whirls, and carnival games, much like Playland Park did in the 1950s. B
Photography provided by the following in order of appearance: Looking down roller coaster at the beach- Jacksonville Beach, Florida, 1930 (A), Amusement rides at Jacksonville Beach, 1949 (B), Sunset, Jacksonville, FL Postcard, 1940 (C), Moon over Jacksonville, Beach, FL Postcard, 1938 (D), and Looking South on Atlantic Blvd with view of roller coaster, Atlantic Beach, 1930 (E). ALL images from State of Florida Archives, floridamemory.com.
E
5
NEW
Construction To Watch Out For
S a h c t o G NOW!
The following is a post by Chelsea Cornelius.
Looking to buy a home is an intense process in today’s market with climbing prices, low inventory of resales, and a vast sea of buyers. The idea of not overpaying for a fixer-upper and opting for picture-perfect new construction is appealing to many buyers. Builders, who have their own hurdles with limited materials and rising material costs, are taking full advantage of the market and your desire for a brand-new home. Here are five things to watch out for when starting the new construction buying process.
1
Models for Your Viewing Pleasure We are always looking for instant gratification in today’s world. The enticing idea of driving by a builder’s site and popping into a shiny customized model is exactly what builders and their onsite agents are hoping you will do. They could offer a quick, easy, and agent-free scenario for you that includes the promise of massive savings. Although we want to save all we can right now, this can hurt you in the long run. Once you’re hooked and select a house, it’s often the accouterments that get you since the model home is not the standard home design you get. The number of upgrades that are available to you can be never-ending from herringbone-patterned wood floors and custom countertops to emmaculate fixtures. Oftentimes, you are walked through this process with the builder’s trustee agent that knows exactly what is in right now and what will look the most pristine. Conveniently, having the gorgeous model home handy for you to see and feel firsthand. Resist the urge for instant gratification with your drive-by and call your Coldwell Banker Vanguard Realtor. They will set up a proper appointment and know exactly which questions to ask, and guide you through the registration and viewing process. Having their guiding hand will help you identify the optimal site, price, and terms with the builder you need.
2
Waitlists & Price Inflation Florida’s new construction is seeing steady growth this year despite other areas of the country having extreme shortages in materials and shutdown construction delays. However, waitlists and price gouging are still a reality in new construction that many new buyers aren’t prepared for and don’t understand. Waitlists for the development or even future developments, as inventory becomes lower, are increasing in size. When builders have availability, they will call you and as many as a hundred other names sitting on their waitlist. Your Coldwell Banker Vanguard Realtor will be on top of the process. They won’t just wait for the call but follow the site’s pricing progression, which in today’s market can be different from one week to the next. As well as continue constant communication to ensure your timing works with the builder’s timelines and you don’t miss out. Buyers who weren’t ready to commit at the beginning of the year or even a month ago could be in for some major sticker shock when they are finally ready to buy, and that is if the home or the homesite are even still available. Since it is a Seller’s Market, builders can raise prices as such, and as discussed later, they won’t box themselves into a set price either. The market today is ensuring that you won’t be paying the list price. Ask your Coldwell Banker Vanguard Realtor to do a market analysis to determine how much over-list price buyers have to pay for those new construction sites you find most appealing.
3 4
Contracts, Reading that Fine Print Builders are fully aware of the market and how long the building process can take. There has been an increasing trend for builders to put in addendums that allow them to no longer commit to a market value at the time of the contract. They don’t want to lose out on any profits, so builders are instead able to determine market value for your home based on the completion of the project. Your Coldwell Banker Vanguard Realtor is prepared to recognize the hidden verbiage. Builders won’t freely discuss this with you if you’re touring a model, and even savvy buyers might miss this in the signing process unless they are well versed in real estate contracts.
Warranties Builders will have two types of warranties, implied and express. According to the National Association of Home Builders, implied warranties include defects in the craftsmanship of your new home. These defects must affect habitability, livability, or safety and are often based on building codes. Although there is often a 10-year liability period, the wording of these warranties can often be vague to allow the builder flexibility in timeframe and quality when it actually comes to fixing the problems. The other type of warranty is express, and builders sometimes offer an express warranty through a third party. Express warranties are far more precise, addressing exactly what is covered and timelines for each part of the home. According to the National Association of Home Builders, this type of warranty gives you and the builder the best understanding to avoid any embarrassing disputes that would end in legal battles. The current market dynamics mean the warranty process varies for each builder. Given that you will pay above list price, your Coldwell Banker Vanguard Realtor can tell you upfront the builder’s warranties. This way, you don’t feel disappointed when something aesthetically bothers you, but the builder says it’s not their problem.
read the FINE PRINT
5
Getting Burned for Cancelling Timing is everything, especially in real estate. Sometimes delays and other unexpected scenarios happen, and you are forced to find another place to call home. Things happen, and frankly, you could hear that often from your builder when your house timeline is pushed back over and over. However, when roles are reversed, builders are much less understanding. “Excessive builder delays are not grounds for a buyer’s deposit to be refunded, so impatient buyers need to beware,” Cara Ameer, Coldwell Banker Vanguard Realtor, warns. According to her, you need to understand, “the builder would simply increase the home price based on the going rate at the time of cancellation and keep the buyer’s deposit to boot.” Once you commit to a home and put down that deposit, understand that you won’t see that money again if your circumstances change and prepare financially to cover that loss.
Now that you know these five gotchas hidden in the glamour of new construction, you are more prepared for the process. Buying a new home is an exciting process; with your Coldwell Banker Vanguard Realtor, you can fully enjoy it. You can trust they will help you and your builder create the house you will be happy to call home. Contact your Coldwell Banker Vanguard Realtor to start building your dream home today!
www.cbvhomesearch.com
AutumnNights
utdoors:
How to Enjoy Your Outdoor Space The following is a guest post by ANGIE ERICKSON originally published BY SHARON LEE on Blue Matter, Coldwell Banker’s Blog.
As we welcome cooler temperatures and colorful foliage, many homeowners might be tempted to pack up the outdoor furniture for the year. Not so fast, we say, especially here in Florida. Extend the life of your porch or patio by transforming your favorite summer spot into a cozy retreat that’s perfect for enjoying autumn nights outdoors.
Keep It Cozy When the temperatures begin to drop, consider putting away the umbrella for the season. You’ll not only invite more sunlight to your space during the day, but you’ll also clear the view for stargazing during alfresco dinner parties. To bring more warmth to the area once the sun sets, circle a few outdoor chairs around a firepit. Make sure you keep the sparks at bay by picking a fireplace with a mesh lid.
BLUE MATTER
B
To make things even cozier, layer on comfort with outdoor pillows. Swap out summer’s tropical hues for classic fall colors. Orange, wine, and dark green instantly make the space feel autumn-ready. Make sure to complement the pillows with plenty of soft throw blankets. Chunky knit options are ideal for snuggling up on the outdoor sofa on chilly nights. If you’re entertaining a large crowd, consider bringing a sharable-sized quilt outside.
Get Creative with Lighting As the sun starts setting earlier and earlier, it’s important to have enough light on your porch for dark nights. A simple porch light does the trick, but creative lighting is a great way to add ambiance to your space. For instance, outdoor string lights bring an enchanting look to the porch or patio. For a soft glow around the perimeter of your yard, wrap a few long strings of white lights around the trees, shrubs, or fence posts. Shorter ones are a gorgeous addition to the tabletop. Simply place them over your runner with an autumn leaf garland for ambient lighting during moonlit meals.
A
If you need more lighting, nothing creates a more romantic glow than candlelight. To give your outdoor table a fall feel, opt for pillar candles in seasonal colors—orange, red and ivory candles in clear glass holders play up the colors of changing leaves. To diffuse the light, go for white candles in textured glass or metal hurricanes. Lanterns look lovely scattered around the porch. Fill a few with birch candles and others with fall botanicals such as pinecones and acorns. Looking for something unexpected? Try decoratively carved pumpkins. While the quintessential smiling jack-o’-lantern works well in October, but other designs can add ambiance to the porch way before Halloween. Carve the shapes of acorns, autumn leaves, or abstract patterns into gourds, and place a tea light inside of them to show off your handiwork. The fun doesn’t stop with the carving. Rather than tossing the seeds, roast them on a baking sheet and season with salt, pepper, or cinnamon for a delicious treat.
Indulge in Fall Flavors To take the bite off of chilly fall breezes, warm up with hot drinks. Hot apple cider is a fall favorite. Make your own with fresh apples from your local orchard, and simmer in a stockpot with sugar and spices. Serve in glass mugs, garnish with a cinnamon stick and add your choice of liquor, if desired. If you’re short on time, simply keep bottles of hard cider and ice in a beverage tub, and provide pint glasses. For kid-friendly beverages on family night, serve hot chocolate in ceramic mugs by the firepit. For dinner, make the most out of the grill before winter sets in. Tailgate with hot dogs and burgers for casual meals during football season. If you want a more formal dinner party, grill steak or salmon accompanied by hearty sides made with seasonal ingredients such as squash or sweet potatoes. Plate on leaf-decorated or autumn-toned dishes that coordinate with your outdoor decor.
For dessert, make things more interactive with a build-your-own caramel apple station. Provide bowls of warm caramel or chocolate for coating, with plates of chopped nuts and candy for easy rolling. If you’re hosting a bonfire, s’mores are a must. Provide skewers alongside serving bowls full of large marshmallows, and let your guests roast their own. As a twist on the classic, consider setting out cookies as an alternative to graham crackers.
With just a few changes to your porch, you can continue to entertain outdoors well into autumn. Think about inviting everyone to the backyard for a small soiree, post-football game dinner, or a weekend bonfire before winter arrives.
Photography provided by the following in order of appearance. Joanna Kosinska (A), Randy Fath (B), Shawn Montero (C), Brook Lark (D), and Luisa Brimble (E).
D C E
Market Update July 2021
Want the latest market data when its available? Ask your agent if they are a part of the MLS MARKET UPDATE program.
“While the number of new listings increased compared to the same time last year, the continued demand for homes in Northeast Florida remained strong, bringing little relief to those still in the market to buy,” explained Missi Howell, president of the Northeast Florida Association of REALTORS® in their August press release. “The increase in sales prices is far outpacing wages, and with almost 50% of homes being sold over the sellers’ asking prices, first-time homebuyers continue to struggle with their dream of homeownership and move-up buyers hesitate to list their homes due to concerns of what will be available for them to buy.”
What does this mean for BUYERS?
You will need to be patient, ready for a fight, and have your Coldwell Banker Vanguard Realtor to rely on to navigate the selling frenzy and low inventory we are continuing to experience. Expect to pay at least asking, if not well over.
What does this mean for SELLERS?
If you have multiple properties, it might be time to consider selling. Contact your Coldwell Banker Vanguard Realtor to advise you on your real estate investments. They will give you a free market analysis to see how much you could potentially make on your initial investment.
www.CBVHomesearch.com
BREAK
s e r u t n e v Ad
School is well underway and you never stop working. Take a morning or afternoon well deserved break with your kids. Whether they need to run around, take a rest, or do something new, NEFL has something they will love!
BASCA Cape “ABILITIES” 5K / 1 Mile FUN Run
Where: Orange Park Town Hall Park Area: Orange Park Times: registration at 8AM, 8:30AM 5K Saturday, September 25th from 8AM to 11AM. Join BASCA for their 9th annual run to benefit those with intellectual and developmental differences. There are two race options and a fun fest of activities after the walking and running are done!
bascainc.org/events/5krunwalkroll
Estuary Fest 2021
Where: GTM Research Reserve Area: St. Johns Times: 10AM to 2PM Saturday, September 25th at 505 Guana River Rd in Ponte Vedra Beach. Celebrate National Estuaries Week with the GTM Research Reserve. There will be all kinds of FREE family fun and games. This includes a scavenger hunt, art, music, food trucks, raffles, and so much more!
gtmnerr.org
Pizza Express
Where: 1000 Osborne St. Area: St. Marys, GA Times: 12:30PM & 3:30PM (while tickets last) September 4th, 11th, 18th, & 25th with the Georgia Coastal Railway. Enjoy an hour and a half train ride from St. Marys, GA to Kingsland and back, winding its way around the marshes of Southern Georgia. On top of that you get either cheese or pepperoni pizza for your journey. What more could a kid want?!
thegeorgiatrain.com/pizza
Sweet Pete’s Gummy Class
Where: Sweet Pete’s Candy Area: Downtown Times: 4:30PM Every Thursday afternoon in September you have the opportunity to take your little ones (ages 4 and up) to learn how to create gummies in all kinds of fun shapes. The class includes a “gummy flight” where you will get to sample Sweet Pete’s gummies, yum!
sweetpetescandy.com
“We only have what we give.” – Isaebel Allende The Coldwell Banker Vanguard Offices have been very busy, and not just with the sizzling summer market that looks to be a fall frenzy. They have been helping to organize events, raise funds, and present grants for CBV Cares and charities throughout Northeast Florida. Although the market might change, the one thing that will stay the same at Coldwell Banker Vanguard Realty, is our offices’ giving spirit. The Avondale Office is looking forward to its upcoming “Game Night” that will be held on September 16th. A $10 entry fee will get you into this fun event, with funds going directly to CBV Cares and northeast Florida charities. The Beaches Office presented a $500 grant check to Kristin Keen, Founder and CEO at Rethreaded on Saturday, July 31st at their 10th Birthday celebration. Carole Bayer presented the check inside their heartfelt Birthday card. Rethreaded works to stop human trafficking and sex trade in our Jacksonville area, in addition to providing a supportive work environment, education of a useful skill, and a growing community to foster healing from a very traumatic period of a victim’s life. A very generous Riverside Homes matched (up to $30,000) of proceeds that Rethreaded raised during their 10th Birthday Party. The Beaches Office has also extended an invitation to Rethreaded to their annual “Thanks In Giving” office celebration in November. The Beaches’ Thanksgiving dinner guests will be able to explore the Rethreaded Pop-Up Shop throughout the event. Fleming Island/ Oakleaf/ Keystone Heights Office donated $1,000 to Safe Animal Shelter. Safe Animal Shelter was the first no-kill shelter in Clay County back in 1991. Today, the non-profit works to reduce the number of euthanized cats and dogs in NE Florida and its surrounding areas. The Mandarin Office presented their check for $1,000 to Divine Mercy House. Divine Mercy House is an organization started in 1996 that provide homes for unwed mothers, between the age of 16 and 23. In addition to providing a safe home, they provide counseling, help them complete their GEDs, and receive a vocational education. St. Johns Office presented a check to K9s for Warriors for $3,000 and a check for $3,000 to the Starlight Project. K9s for Warriors is a non-profit that helps Veterans suffering from PTSD, traumatic brain injury, and/or military sexual trauma by pairing them with service dogs. The Starlight Project is an organization that partners with the Down Syndrome Association of Jacksonville to create DREAM ROOMS for children in Northeast Florida with special needs. Transforming their bedrooms into each childs dream bedroom.
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
Chip Lynn, CEO/Managing Attorney • Chip@ClosingBear.com • (904) 738-1672 • www.closingbear.com