{"version":"1.0","type":"stack","id":"0a625e56-0e0d-4ceb-879d-b7ea3d5586c7","url":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7","title":"First-Time Homebuyer Guide","description":"First-time buyer guidance for Jacksonville, St. Johns County, and the surrounding Northeast Florida market. This guide covers loan programs, closing costs, and starter-home areas from San Jose to Nocatee.","privacy":"public","created_at":"2026-07-10T03:41:10.457Z","updated_at":"2026-07-10T03:52:27.683Z","author":{"username":"amanda-causey","name":"Amanda Causey","url":"https://stacklist.com/amanda-causey","type":"person"},"category":{"id":"home","name":"home","url":"https://stacklist.com/c/home"},"items":[{"id":"89c0de75-2f74-4bbf-ae6f-065ff311f261","position":1,"title":"Down Payment Assistance Programs","url":"https://www.floridahousing.org/programs/homebuyer-overview-page","note":"Florida Housing offers several down payment assistance programs that many first-time buyers in Jacksonville and St. Johns County don't know exist.\n","image":{"url":"https://ucarecdn.com/6cf05c1f-938b-4d62-9deb-8cd4de8cc466/","alt":"Down Payment Assistance Programs","width":900,"height":600},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=89c0de75-2f74-4bbf-ae6f-065ff311f261","created_at":"2026-07-10T03:41:34.138Z","updated_at":null},{"id":"d82a1c69-9f16-43b9-94e5-4b2d776b903f","position":2,"title":"Best Starter-Home Neighborhoods","url":"https://www.homes.com/local-guide/jacksonville-fl/lakeshore-neighborhood/","note":"San Jose, Lakeshore, and parts of Fleming Island offer some of the strongest starter-home value in the area, with older housing stock priced well below newer St. Johns County construction.\n","image":{"url":"https://ucarecdn.com/df024f0a-36b2-46e1-8978-37950586a996/","alt":"Best Starter-Home Neighborhoods","width":2048,"height":1365},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=d82a1c69-9f16-43b9-94e5-4b2d776b903f","created_at":"2026-07-10T03:41:35.875Z","updated_at":null},{"id":"064c2bbe-228f-443a-b421-102b1c66fbf4","position":3,"title":"Understanding Closing Costs","url":"https://www.nerdwallet.com/mortgages/calculators/closing-costs","note":"Florida closing costs run 2% to 6% of the loan amount, with doc stamps and title insurance splits that vary by contract. Amanda breaks down what a buyer should budget for on a typical Jacksonville-area purchase.\n","image":{"url":"https://ucarecdn.com/d949e3ae-1276-47d3-a33f-9aa9d9abc7e3/","alt":"Understanding Closing Costs","width":1344,"height":768},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=064c2bbe-228f-443a-b421-102b1c66fbf4","created_at":"2026-07-10T03:41:37.248Z","updated_at":null},{"id":"9afa07a6-4a8f-42e2-bf1d-2a70e1611aac","position":4,"title":"Pre-Approval vs. Pre-Qualification","url":"https://www.nerdwallet.com/mortgages/learn/pre-qualified-vs-preapproved","note":"Getting pre-approved, not just pre-qualified, makes a real difference in St. Johns County's competitive market, where multiple-offer situations are common on well-priced homes.\n","image":{"url":"https://ucarecdn.com/f61b9695-c023-471a-8839-eadb89e869eb/","alt":"Pre-Approval vs. Pre-Qualification","width":1024,"height":614},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=9afa07a6-4a8f-42e2-bf1d-2a70e1611aac","created_at":"2026-07-10T03:41:38.597Z","updated_at":null},{"id":"942ee6dd-c08d-4417-8a6f-d6ffdd1a2d03","position":5,"title":"Home Inspection Basics","url":"https://www.nerdwallet.com/mortgages/learn/home-inspection","note":"A home inspection in older Jacksonville neighborhoods like San Jose or Lakeshore often turns up different issues than a new build in Nocatee.\n","image":{"url":"https://ucarecdn.com/5395f6b1-2bc9-4e04-9e91-f575f559dba3/","alt":"Home Inspection Basics","width":2400,"height":1440},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=942ee6dd-c08d-4417-8a6f-d6ffdd1a2d03","created_at":"2026-07-10T03:41:39.782Z","updated_at":null},{"id":"290a83b7-58bf-4775-849e-24bdfdf3b7c9","position":6,"title":"First-Time Buyer Timeline","url":"https://www.nerdwallet.com/mortgages/learn/tips-for-first-time-home-buyers","note":"From pre-approval to closing day, a typical first-time purchase in the Jacksonville area takes 30–45 days once a contract is accepted.\n","image":{"url":"https://ucarecdn.com/28e492b3-9e9b-4966-85eb-006b0fcbe32f/","alt":"First-Time Buyer Timeline","width":2400,"height":1440},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=290a83b7-58bf-4775-849e-24bdfdf3b7c9","created_at":"2026-07-10T03:41:42.469Z","updated_at":null},{"id":"65b11ce7-2b87-49dc-b361-13ca6d636e10","position":7,"title":"Working With a Buyer's Agent","url":"https://www.nar.realtor/education/designations-and-certifications/accredited-buyers-representative-abr","note":"An Accredited Buyer's Representative like Amanda represents the buyer's interests exclusively, which matters when negotiating price and repairs in a Jacksonville-area contract.\n","image":{"url":"https://ucarecdn.com/e38e2dd1-cc98-4718-a216-ae912b9ff98e/","alt":"Working With a Buyer's Agent","width":400,"height":400},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=65b11ce7-2b87-49dc-b361-13ca6d636e10","created_at":"2026-07-10T03:41:44.225Z","updated_at":null},{"id":"7bf0b8f2-7f59-4947-a447-f657dd9d3792","position":8,"title":"HOA Considerations in St. Johns County","url":"https://www.nocatee.com/","note":"Nearly every new community in St. Johns County including Nocatee and Durbin Crossing comes with an HOA, and the fees and rules vary widely between them.\n","image":{"url":"https://ucarecdn.com/69a6f1b4-b136-4748-a879-1fd9d6a4d2b7/","alt":"HOA Considerations in St. Johns County","width":1353,"height":900},"direct_link":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7?cardId=7bf0b8f2-7f59-4947-a447-f657dd9d3792","created_at":"2026-07-10T03:41:45.568Z","updated_at":null}],"stats":{"likes_count":0,"items_count":8},"_links":{"self":"/api/public/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7.json","html":"https://stacklist.com/c/home/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7","rss":"/api/feeds/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7/rss","json_feed":"/api/feeds/stack/0a625e56-0e0d-4ceb-879d-b7ea3d5586c7/json"}}