{"version":"1.0","type":"stack","id":"081929f1-08fc-4f9f-8838-fb3af025708f","url":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f","title":"Smart Money Moves for Home Buyers","description":"Buying a home in Jacksonville is the biggest financial decision most families make, and a little preparation saves real money. Curated by Yvette Salley, a Northeast Florida realtor with a background as an FDIC accountant and auditor, these resources cover the programs, exemptions, and money habits that make Duval County homeownership more affordable.","privacy":"public","created_at":"2026-07-16T05:03:55.838Z","updated_at":"2026-07-16T06:38:04.478Z","author":{"username":"yvettesalley","name":"Yvette Salley","url":"https://stacklist.com/yvettesalley","type":"person"},"category":{"id":"finance","name":"finance","url":"https://stacklist.com/c/finance"},"items":[{"id":"99eba889-1dc9-4266-84eb-190c8289818a","position":1,"title":"Duval County Homestead Exemption","url":"https://www.jacksonville.gov/departments/property-appraiser/exemptions","note":"Once you close on your Jacksonville home, this is the first money move: up to $50,000 off your assessed value plus the Save Our Homes cap limiting future increases to 3% a year. File with the Duval County Property Appraiser by March 1.\n","image":{"url":"https://ucarecdn.com/b85a2981-16d8-4967-a622-7ee4cb1d2fa1/","alt":"Duval County Homestead Exemption","width":3627,"height":2557},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=99eba889-1dc9-4266-84eb-190c8289818a","created_at":"2026-07-16T05:04:31.773Z","updated_at":null},{"id":"31db6dca-cfe1-4849-89d3-95115e7a90f1","position":2,"title":"File Your Homestead Exemption Online","url":"https://homestead.coj.net/","note":"Duval County's online portal lets new homeowners file for homestead exemption without a trip downtown. Allow about 60 days after closing for the deed to process, then apply, ten minutes that saves you money every single year.","image":{"url":"https://ucarecdn.com/6bc9e6b1-2f61-4760-88d8-3e9d50acf553/","alt":"File Your Homestead Exemption Online","width":5378,"height":3585},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=31db6dca-cfe1-4849-89d3-95115e7a90f1","created_at":"2026-07-16T05:04:33.164Z","updated_at":null},{"id":"a3017dd3-df97-4719-9201-20eaf62bdc55","position":3,"title":"c","url":"https://www.jacksonville.gov/departments/property-appraiser","note":"Search any Jacksonville property's assessed value, exemptions, and sales history before you make an offer. Smart buyers check the tax picture on a home in Riverside, Mandarin, or the Beaches before falling in love with it.","image":{"url":"https://ucarecdn.com/6ecf4c81-e2c0-4aa1-bbf9-bfcb569df7b6/","alt":"c","width":500,"height":333},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=a3017dd3-df97-4719-9201-20eaf62bdc55","created_at":"2026-07-16T05:04:34.368Z","updated_at":null},{"id":"b5975ddc-5e9a-478f-ac19-f1e8eb8eaa00","position":4,"title":"Find a HUD Housing Counselor (Florida)","url":"https://www.hud.gov/states/florida","note":"Free and low-cost homebuyer counseling from HUD-approved agencies across Northeast Florida, including the pre-purchase education course that programs like Hometown Heroes require. A smart first stop before your first mortgage application.","image":{"url":"https://ucarecdn.com/bd879c27-a2b2-41f0-b218-fa80bc4eba66/","alt":"Find a HUD Housing Counselor (Florida)","width":4000,"height":3000},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=b5975ddc-5e9a-478f-ac19-f1e8eb8eaa00","created_at":"2026-07-16T05:04:36.296Z","updated_at":null},{"id":"52c0ff87-dc2d-4dec-b5f2-826520f98330","position":5,"title":"What Happens If You Fall Behind (CFPB)","url":"https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/avoid-foreclosure/","note":"The best time to understand your safety net is before you need it. This CFPB guide explains every option available to Florida homeowners who hit a rough patch, from refinancing to repayment plans, knowledge worth having on day one of ownership.","image":{"url":"https://ucarecdn.com/a4d78e03-7184-4da4-8ea7-263fc6b85cc5/","alt":"What Happens If You Fall Behind (CFPB)","width":1280,"height":720},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=52c0ff87-dc2d-4dec-b5f2-826520f98330","created_at":"2026-07-16T05:04:37.651Z","updated_at":null},{"id":"ccf9d0a0-7a8c-4869-8a24-f4f28dd6aab6","position":6,"title":"Senior Homestead Exemptions in Duval County","url":"https://www.jacksonville.gov/departments/property-appraiser/exemptions/senior-citizen-homestead-exemptions","note":"Jacksonville homeowners 65 and older with limited income can stack additional exemptions on top of the standard homestead, and they now auto-renew each year. A meaningful saving for retirees buying in Northeast Florida.","image":{"url":"https://ucarecdn.com/ff0dc046-91b9-4452-a249-13444d31cf27/","alt":"Senior Homestead Exemptions in Duval County","width":1344,"height":768},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=ccf9d0a0-7a8c-4869-8a24-f4f28dd6aab6","created_at":"2026-07-16T05:04:38.867Z","updated_at":null},{"id":"d79a4c57-0050-4519-b805-c2300c25d710","position":7,"title":"Duval County Property Fraud Alert","url":"https://duvalclerk.gov/services/property-fraud-alert","note":"Free monitoring from the Duval Clerk that alerts you whenever a document is recorded under your name or your business's name. Title fraud is real, and this is the easiest protection a new Jacksonville homeowner can set up.","image":{"url":"https://ucarecdn.com/5c791528-4b81-4004-b21a-ec189043b72d/","alt":"Duval County Property Fraud Alert","width":3500,"height":2333},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=d79a4c57-0050-4519-b805-c2300c25d710","created_at":"2026-07-16T05:04:40.242Z","updated_at":null},{"id":"5b250646-7cd0-4249-a4fa-bff72385cf6e","position":8,"title":"Florida Hometown Heroes Program","url":"https://www.floridahousing.org/live-local-act/hometown-heroes-program","note":"Florida's flagship down payment program offers first-time, income-qualified buyers up to $35,000 toward down payment and closing costs as a 0% deferred second mortgage. The 2026 round launched in July and funds go fast, so Jacksonville buyers should get pre-approved early.\n","image":{"url":"https://ucarecdn.com/67a522ee-5aaf-4917-ab15-49a870ab101e/","alt":"Florida Hometown Heroes Program","width":6000,"height":4000},"direct_link":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f?cardId=5b250646-7cd0-4249-a4fa-bff72385cf6e","created_at":"2026-07-16T05:16:05.877Z","updated_at":null}],"stats":{"likes_count":0,"items_count":8},"_links":{"self":"/api/public/stack/081929f1-08fc-4f9f-8838-fb3af025708f.json","html":"https://stacklist.com/c/finance/stack/081929f1-08fc-4f9f-8838-fb3af025708f","rss":"/api/feeds/stack/081929f1-08fc-4f9f-8838-fb3af025708f/rss","json_feed":"/api/feeds/stack/081929f1-08fc-4f9f-8838-fb3af025708f/json"}}