{"version":"1.0","type":"stack","id":"cf8e5c4f-4c17-4486-8559-c71f36c4bb79","url":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79","title":"First-Time Homebuyer Guide for Jacksonville, Florida","description":"A step-by-step guide to buying a first home in Northeast Florida, from credit prep to closing day. Built for buyers navigating Duval, Clay, and Bradford County for the first time, including more affordable Westside and outlying inventory.","privacy":"public","created_at":"2026-07-24T03:41:26.170Z","updated_at":"2026-07-24T04:28:31.336Z","author":{"username":"robert-howard","name":"Robert Howard","url":"https://stacklist.com/robert-howard","type":"person"},"category":{"id":"home","name":"home","url":"https://stacklist.com/c/home"},"items":[{"id":"8ad9db04-e517-47e3-929c-750ff9f3906e","position":1,"title":"How Much House Can You Afford?","url":"https://www.consumerfinance.gov/owning-a-home/prepare/","note":"The Consumer Financial Protection Bureau's affordability tools break down how lenders calculate debt-to-income ratio, relevant anywhere in Jacksonville's price range. A good first stop before house-hunting in Duval or Clay County.","image":{"url":"https://ucarecdn.com/5f1096ef-8212-4b1f-9e35-f9ea2e360051/","alt":"How Much House Can You Afford?","width":1024,"height":683},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=8ad9db04-e517-47e3-929c-750ff9f3906e","created_at":"2026-07-24T03:42:10.844Z","updated_at":null},{"id":"99d7a50b-298e-430b-a30b-86454520f136","position":2,"title":"FHA Loans for First-Time Buyers","url":"https://www.hud.gov/helping-americans/loans","note":"HUD's overview of FHA loans shows how down payments as low as 3.5% and more flexible credit requirements make them a common choice for first-time buyers in Duval and Clay Counties.","image":{"url":"https://ucarecdn.com/03741738-f9b6-42ec-ac15-0d812bc14861/","alt":"FHA Loans for First-Time Buyers","width":884,"height":590},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=99d7a50b-298e-430b-a30b-86454520f136","created_at":"2026-07-24T03:42:13.036Z","updated_at":null},{"id":"70ead5cd-d9a8-40de-b536-bfbfd3e1d2ea","position":3,"title":"Florida Housing First-Time Homebuyer Program","url":"https://www.floridahousing.org/programs/homebuyer-overview-page","note":"Florida Housing Finance Corporation offers 30-year fixed-rate first mortgages plus down payment and closing cost assistance for eligible first-time buyers statewide, including Duval and Clay County purchases.","image":{"url":"https://ucarecdn.com/0f5f6874-9ac6-4913-8dc7-7fc5ca3d36b2/","alt":"Florida Housing First-Time Homebuyer Program","width":1000,"height":667},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=70ead5cd-d9a8-40de-b536-bfbfd3e1d2ea","created_at":"2026-07-24T03:42:15.499Z","updated_at":null},{"id":"3df588d4-4538-4a63-92e2-fbf4554d7505","position":4,"title":"Understanding Your Credit Score Before You Buy","url":"https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/","note":"The CFPB's credit tools explain the steps to take in the months before a home search: paying down revolving debt, avoiding new inquiries, and correcting report errors. These can meaningfully affect the mortgage rate a Jacksonville buyer is offered.","image":{"url":"https://ucarecdn.com/6514ba2a-0d38-4b2a-8bcf-a2e746f98e17/","alt":"Understanding Your Credit Score Before You Buy","width":1000,"height":667},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=3df588d4-4538-4a63-92e2-fbf4554d7505","created_at":"2026-07-24T03:42:17.362Z","updated_at":null},{"id":"01d76894-5e80-4ba6-ba8b-d6dbbb140cb3","position":5,"title":"What a Home Inspection Covers","url":"https://www.homeinspector.org/","note":"The American Society of Home Inspectors' standards outline what a Northeast Florida inspection typically checks: roof, HVAC, plumbing, and, importantly in this region, evidence of past flooding or termite damage. Especially important on older, lower-priced homes.","image":{"url":"https://ucarecdn.com/e5920e09-76f2-4f89-b146-1103a6081cca/","alt":"What a Home Inspection Covers","width":2560,"height":1707},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=01d76894-5e80-4ba6-ba8b-d6dbbb140cb3","created_at":"2026-07-24T03:42:19.381Z","updated_at":null},{"id":"172dc054-e012-425d-8edc-075ed66ee8ed","position":6,"title":"Understanding Closing Costs in Florida","url":"https://www.consumerfinance.gov/ask-cfpb/what-fees-or-charges-are-paid-when-closing-on-a-mortgage-and-who-pays-them-en-1845/","note":"Florida buyers typically pay 2–5% of the purchase price in closing costs, covering the title search, recording fees, and prepaid property taxes. Sellers, not buyers, customarily pay for the owner's title insurance policy in most of the state.","image":{"url":"https://ucarecdn.com/8d1b0116-36ad-4329-abe7-5240f73274df/","alt":"Understanding Closing Costs in Florida","width":678,"height":452},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=172dc054-e012-425d-8edc-075ed66ee8ed","created_at":"2026-07-24T03:42:21.638Z","updated_at":null},{"id":"5519d3bf-217e-4eb7-a50a-0d5b5108f9af","position":7,"title":"New Construction Communities for First-Time Buyers","url":"https://www.nocatee.com/","note":"Nocatee, straddling St. Johns and Duval Counties, is one of Northeast Florida's fastest-growing new construction communities and a common landing spot for first-time buyers, often with builder incentives on closing costs.","image":{"url":"https://ucarecdn.com/40184e2a-9dad-49fb-a686-040eecc6c3f8/","alt":"New Construction Communities for First-Time Buyers","width":986,"height":555},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=5519d3bf-217e-4eb7-a50a-0d5b5108f9af","created_at":"2026-07-24T03:42:23.742Z","updated_at":null},{"id":"de3509cf-cf5f-4541-9575-38bfd4f3923a","position":8,"title":"Flood Zones and Flood Insurance","url":"https://msc.fema.gov/portal/home","note":"FEMA's Flood Map Service Center lets buyers look up whether a specific Jacksonville-area address, especially near the St. Johns River or coast, falls in a flood zone requiring separate insurance. Checking this early avoids budget surprises at closing.","image":{"url":"https://ucarecdn.com/84c90f82-45ce-4c85-acb0-acfef815c738/","alt":"Flood Zones and Flood Insurance","width":678,"height":452},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=de3509cf-cf5f-4541-9575-38bfd4f3923a","created_at":"2026-07-24T03:42:25.757Z","updated_at":null},{"id":"370325a8-4b21-46f8-a883-a0b492c643e4","position":9,"title":"What to Expect at Your First Closing","url":"https://www.consumerfinance.gov/owning-a-home/closing-disclosure/","note":"The CFPB's Closing Disclosure explainer walks through what to review before closing day, comparing it to the Loan Estimate, bringing certified funds, and doing the final walkthrough. Aimed at buyers going through the process for the first time in Duval or Clay County.","image":{"url":"https://ucarecdn.com/2d66df5a-e76f-4fc7-8212-e8199da12d9c/","alt":"What to Expect at Your First Closing","width":678,"height":452},"direct_link":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79?cardId=370325a8-4b21-46f8-a883-a0b492c643e4","created_at":"2026-07-24T03:42:28.363Z","updated_at":null}],"stats":{"likes_count":0,"items_count":9},"_links":{"self":"/api/public/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79.json","html":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79","rss":"/api/feeds/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79/rss","json_feed":"/api/feeds/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79/json"}}