Marie Cruz
Florida Homes Realty
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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 Glossary Terms
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....
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...
The value of property subject to tax. The tax equals the tax rate multiplied by the property's value....
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....