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How your family’s expenses and income determines your Gainesville Short Sale.

How your family’s expenses and income determines your Gainesville Short Sale. In a short sale, it is not always a walk in a park. There are numerous possible results of your short sale. May it bring dismay or a positive outcome for you. There are no guarantees. Everybody will do the best to have the short sale closed, but the process is not always easy. There are lots of twists and turns.

As a seller, put it in your mindset that you will pour out a huge commitment in every short sale deal and be prepared of its result. If you are not  sincere in finishing a short sale then it is a waste of your time and other people’s time as well.  There are instances wherein sellers backed out in the middle of the deal especially when signing notes or some cash is needed.

The business of short sale is all about taking chances. Your attorney has a power to draft a supplement demand to oppose the offer of the buyer that says if the seller do not have the same opinion with the lender, then the seller has  the choice to not close and there will be seen as an act of evading on the seller’s side. At several moments, a deficiency is still okay than a foreclosure deficiency.

Every homeowner should realize that one should make an estimate of expenses for qualification. As an agent, you have to guide these homeowners to have their estimates right. One of the most under reported expenses is about child-related expenses that involve babysitters, school fees, and expenses for baby’s needs.

Monthly expenses are suggested to be monitored during grocery period. For a family consisting of 4 members, lenders would usually acknowledged $800. Please use this amount and adjust this according to the size of your size of your family. Take note that even if the baby is not yet born, you have to add the babies’ cost of expenses because there’s a huge possibility that the baby would already be born when your short sale is approved.

Evaluate the total monthly expenses and income. For instance, a family of four has a monthly income of $5000 each month and their mortgage payment is $4000 a month, Therefore the family is in financial hardship. Most of the time homeowners have a huge possibility that they would qualify for a short sale because mostly, expenses exceed the family’s  income.

Other Articles to Read:

How Long is a Short Sale?

Why Don’t I Just Let the Bank Foreclose?

What Can a Short Sale Agent do for Me?

3 Questions You Should Ask Before Hiring a Gainesville Short Sale Agent

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.

Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals.

  

Gainesville Home For Sale – 6736 SW 45th Avenue


Gainesville Short Sale-6736 SW 45th Avenue


Overview
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$34,300
Single Family Home
Main Features
2 Bedrooms
1 Bathroom
1 Partial Bathroom
Interior: 942 sqft
Location
6736 SW 45th Avenue
Gainesville, FL 32608
USA
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Stephanie Ann Anson

Anson Properties LLC
(352) 260-0153
sasjrussell@gmail.com
http://www.floridahomesalesearch.com

       

Listed by: Anson Properties LLC

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Amount of Home Loans Increased as Rates Slides Downward

Amount of Home Loans Increased as Rates Slides Downward

According to Freddie Mac and the Mortgage Bankers Association, there has been an increasing request for loans as rates flow downward. Freddie Mac released a result of the latest Primary Mortgage Market Survey; it showed an average of 3.40% on rates of 30-year fixed-rate loans when September closed, much lower than the 3.49% recorded for third week of September, and a 4.01% one year before. Last time Freddie Mac recorded a rate this low was way back year 1971.

For 15-year fixed-rate loans, rates downed to 2.73% from 2.77% on the third week, and a 3.28% a year ago. This rate can equate to the value that was recorded last 1991.

Five-year ARM loans hit an average of 2.71% from 2.76% on the third week of September, and a 3.02% as recorded last year. The percentage 2.69% was a record-breaking event that is equal to what was recorded last July of 2005.

A year ago, one-year ARM loans were 2.83%. Now, the rates have recorded an average of 2.60%. This rate is parallel to the rates recorded from 1984, which have never been this low before.

Frank Nothaft, chief economist of Freddie Mac, said that the continuing decline of fixed mortgage rates is because of the purchases of mortgage securities by the Federal Reserve and the continuing progressive real estate market. Homes sold last July and August were its strongest since March and April 2010.

Federal Reserve announced last September 13 that it would dive into its third cycle of quantitative easing “QE3” by adding its procurement of mortgage-backed securities as assured by Fannie Mae and Freddie Mac.

Other Articles to Read:

Why Closely Monitoring a Gainesville Short Sale is Important

Gainesville Short Sale Agent and Attorney Communication

Tips to assure approval of your property from lenders

Pricing of your Gainesville Short Sale

Call Stephanie Anson today at 352-535-0620 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.


Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

1

Defending Your Gainesville Home Against Foreclosure


Defending your Gainesville Home Against Foreclosure

Each state is governed by different foreclosure laws and procedures; it is advisable to have an attorney to help you with your decision regarding foreclosing your home.

In Gainesville Florida, buying a property means owning the deed of the house by a statutory warranty deed. This deed is very important; keep it at all times and must be with you when you decided to close your home and began doing the paperwork. With this, this makes Florida a deed state.

The course of foreclosure process involves court procedures. As a homeowner, you have the right to represent and defend yourself versus a foreclosure. The lender cannot just foreclose your property, it is a must for the lender to go to the court, find an attorney for you to hand in the deed to them. With this, it might a long time to get the results of your foreclosure.

There are sequence of events that might be applicable in Florida:
• When you are a Gainesville homeowner whose not paying your mortgage payment up-to-date,
• Expect a call from your lender and a
• Letter of late payment
• If payment is still not made, the lender will send a demand letter
• Lender will file Lis Pendens. Lis Pendens is a notice to foreclosure and summon against the homeowner.
• You have 21 calendar days to reply to the complainant and answer the court.
• The lender is allowed to put your property in the local newspaper including the location, but it must be approved by the judge. This is done if you avoided the process or have left your gainesville property and did not leave a forwarding address.

It will take 90 days to 24 months for your house to be on sale on the ‘courthouse steps’. It is recommended for you to get your own gainesville foreclosure defense attorney. They know how to delay the foreclosure. With the given timeframe, it will allow you to still obtain a buyer and put your home on Gainesville short sale and closed.

During the process, it is essential for you to respond to all of the summons and complaint. Let your attorney handle the responses and have a short sale agent to take care of selling your house. Always be present when the court requires your presence. Get in touch with Alachua’s county court clerk’s office to know the requirements when filing a response. If you can’t afford an attorney, your court house might be able to help you with this. If you are looking for the best Gainesville short sale agents and realtors so pls check this out.

Other Articles to Read:

Bank of America’s Cooperative Short Sale Program

Banks Are Calling Homeowners To Solicit Short Sales

Options To Prevent Gainesville Foreclosure when Unemployed

Do I Have to Pay for the Real Estate Agents Commission?

Call Stephanie Anson today at 352-535-0620 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.
Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

Why Closely Monitoring a Gainesville Short Sale is Important

Why Closely Monitoring a Gainesville Short Sale is Important

Anson Properties received a short sale approval yesterday and from the start, working with the lender proved to be extremely difficult. We’ve jumped through several loopholes while maintaining as much patience as we could muster. The homeowner’s loan was transferred from their lender to ServiceLink for processing as a short sale and in doing so the loan number was changed. First of all the seller was not notified of the transfer until weeks after it took place, thus delaying our short sale communication. I would email and call and leave messages with our assigned negotiator at the original bank, with zero response in return. After 2 weeks of persistence I finally had enough and escalated the file to a supervisor which took an entire day of phone calls, transfers and being on hold. I was determined to get to the bottom of it no matter how much time it took. Once I finally was able to speak with a supervisor I was then informed that the file was transferred to ServiceLink.

The problem with this is that we will have to start the process all over again and the paperwork will have to be re-submitted with the new account number. This means the comprehensive short sale file will have to be redone with the new account information and resubmitted. Only problem is that we did not have the new account info. I hop on the phone with ServiceLink and knowing how to navigate the waters had to reference the file by the seller’s social security number. Not to my surprise they are unable to find the file. I walk them through how the file came to them so they can check with the appropriate department and I refused to get off the phone until I verified they had the seller and their account in the system and also obtained the new loan number. This took up my entire morning to resolve something that is not rocket science guys! Do you think they could stand for some process and policy improvement here?

I updated all the paperwork and submitted it to ServiceLink and we continued down the short sale negotiation path. Within about 2 months ServiceLink finalized their review, BPO and provided a Short Sale Approval Letter. The buyer and seller were in agreement in terms, we started the inspection and buyer loan process and low and behold the file is transferred again! Now it is with Seterus. Are you kidding me? We have a valid short sale approval letter.

Here is why maintaining correspondence and a log documenting conversations, points of contact with dates and times are so important. I spent 2 additional weeks speaking to supervisors to overcome the file transfer. This is important because Seterus wanted to start the process all over again and I was just not having it and our Short Sale Approval Expiration was coming up. After jumping on some desks as I like to call it and spending hours on the phone escalating the calls to supervisor, department head and finally VP did I get it resolved. I was successfully able to have the approval letter date extended to cover the delays caused by these institutions and made the closing happen.

This is why it is very critical you have an short sale agent on your side that knows what to do and does not take no for an answer. If agents do not stay on top of their files and do not follow up consistently this could have ended with no sale, seller in default and several upset parties.

Other Articles to Read:

Possible Outcomes If your Short Sale Approved

Why it is Important to Understand the Short Sale Process

Gainesville Short Sale Agents Rent To Buy Scheme

Gainesville Short Sale Qualification Process

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.


Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

Is your Gainesville Short Sale Lender Delegated?

Is your Gainesville Short Sale Lender Delegated? You may be surprised to find out what “delegate” means in short sales.

To come straight to the point, the word “delegate” in short sale literally means what it is, to entrust to another.

You may be making payments directly to Bank of America, Wells Fargo, or Nationstar, but that doesn’t mean that they are your lenders. In this case, they are referred to as “servicers”. This is because, even though these lenders have lent you the money, they may have subsequently sold your loan to an investor which legally transfers their authority over the loan to the new owner—the Investor.

Your lender is now stripped of the power to approve the short sale.

What happens is that these servicers have been assigned by the investors to receive the mortgage payments, which is why you are still making payments directly to them. They are paid to do so.

You may have wondered why this happened without your knowledge. It is because when your note gets sold, they do not need to notify you. It is only when your servicer is changed that you must be notified.

The investors hire the servicers to keep them from being involved with the day to day operations of payments and other servicing details. The investor could be Fannie Mae, Freddie Mac, Pension funds, Insurance companies, and etc. Although majority of the notes are presently owned by Fannie Mae or Freddie Mac. Ask your Gainesville Short Sale Agent to lookup your loan for Freddie Mac or Fannie Mae

By delegating, these investors assign authority to the servicers to approve short sale on their behalf. However, this is grounded by certain parameters that vary for each investor.

A simple example: An investor authorizes the Servicer to approve a Gainesville Short Sale given that the loss they incur is less than 35% of the loan value. The borrower becomes 30 days delinquent on payments, they live in the property and with their debt plus mortgage payment they are 31% of gross income. Should the short sale fit within these parameters, then the Servicer can issue the approval without asking the investor.

When you are requesting a Short Sale request, it is almost always made to the Servicer. And if the Servicer is delegated, they are able to approve the Short Sale without going to the Investor which saves a lot of time. The time saved is significant— as it easily cuts the Short Sale time for approval in HALF.

Other Articles to Read:

What is a Short Sale?

Short Sale Process – What to Expect

Short Sale Top 10 Questions

Do I Have to Pay for the Real Estate Agents Commission?

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.


Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

4

Fast Gainesville Short Sale Approvals on Fannie Mae Loans

Fast Gainesville Short Sale Approvals on Fannie Mae Loans Gainesville short sales are no longer easier said than done. Normally, before a Gainesville short sale on a home with a guaranteed loan can proceed, the approval of the mortgage insurance groups is a prerequisite. But now, Fannie Mae mortgage servicers have the means to expedite a short sale approval on Fannie Mae-backed loans as they have been given the power by five mortgage insurers to complete a short sale or deed in lieu of foreclosure without a separate approval from them.

The five mortgage insurers granting Fannie Mae the power to expedite short sales without their approval are the following: MGIC, Genworth, Republic Mortgage Insurance Co., Radian Guaranty, and the PMI Group, which filed for bankruptcy in November.

Fannie Mae entered into such agreement with these insurers as part of their endeavor to make the short sale process fast and increase completions of short sales.

Gainesville short sales significantly increased during the crisis. More and more homeowners on the brink of having their homes being foreclosed on are looking into short sales as an alternative. This significant change in the process of short sale approval will indeed benefit a lot of homeowners applying for a short sale.

Other Articles to Read:

Is the Nation ready to lose Fannie Mae and Freddie Mac?

Short Sale Process – What to Expect

Short Sale Top 10 Questions

My Gainesville Short Sale Appraisal Came in Low, Now What?

Call Stephanie Anson today at 352-535-0620 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.


Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

4

Bank of America’s Cooperative Short Sale Program

Bank of America’s new Cooperative Short Sale Program will benefit

Gainesville short sales with its fast processing for approval letters.

The bank ventured into this new program to earn more profit and help Gainesville FL homeowners to avoid foreclosure on their homes by allowing them to have all possible options. With this Cooperative Short Sale Program, you no longer have to wait 60 days for a representative to be assigned to your Gainesville short sale.

A Cooperative Short Sale starts with a hardship letter sent by the homeowner to the bank. It contains the reasons you are facing a hardship. It tells your story and must be factual. The bank will most likely offer a loan modification that can be a pre-requisite in gaining a Cooperative short sale approval.

Once the loan modification is no longer feasible, the Cooperative Short Sale comes into the picture. The bank will then give a listing price. Unlike the conventional 3-6 month period for Gainesville short sales, buyers’ offer may be given an answer just within a week.

A reevaluation of the Gainesville short sale home happens every 21 days so prices may be lowered until an offer comes.

The Cooperative Short Sale program is a great opportunity for Gainesville Fl homeowners.

Other Articles to Read:

Short Sale Agents in Gainesville – What Gainesville Underwater Homeowners Say

Gainesville Short Sales Update: If You Have A Short Sale Or Foreclosure, You May Owe Federal Income Taxes In 2013

Options To Prevent Gainesville Foreclosure when Unemployed

Short Sale Agents in Gainesville Encourage Homeowners To Take Action

Call Stephanie Anson today at 352-535-0620 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.


Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

Short Sale Agents in Gainesville – What Gainesville Underwater Homeowners Say

Short Sale Agents in Gainesville: What Gainesville Underwater Homeowners Say – We often hear or read silly one-liners that seem to be not making sense at all. There a lot of this silly stuff circulating in the media too!  Just the other day I was listening to an expert on one News talk show and this so called expert had it all wrong on why homeowners Short Sale!  I was about to fall out of my chair!  How in the world do National news organizations vet their experts?  Originally, twitter embodied mostly comedy writers’ rapid-fire blurbs of silly things young women say. Later on, the spinoff web video series carried the amusement to up the groove.

But as Short Sale Agents in Gainesville perceive it, these videos are hilarious only for those who are connected to a large number of community members being jeered within. This may be attributed to their obsessions, fixations, loves, hates and even passive aggressions that connect the group.

Nothing is different in the real estate community. Let’s get to know some of the seemingly silly yet strikingly real stuff that underwater homeowners say:

1. “The banks inflated the prices.”
2. “Businesses strategically default all the time.”
3. Fill in the blank: “None of us would be in this mess if it wasn’t for _____ .
a.) appraisers
b.) the Fed
c.) McMansions
d.) the banks
e.) the “1 percent”
f.) President Obama
g.) former President Clinton
h.) former President Bush
i.) subprime loans
j.) Wall Street

4. “I applied for a loan modification and they told me the documents got lost.”
5. “The bank said they don’t give modifications to individuals who are current on their payments.”
6. “Can my sister just buy it from me in a short sale, then sell it back to me?”
7. “I’ll lock in my losses – I can’t do a short sale.”
8. “I’ve gotta cut my losses.”
9. “I’m so over it.”
10. “I can’t keep throwing good money after bad.”
11. “I have to do a short sale.”
12. “What do I need to know about doing a short sale?”
13. “I’m going to buy a car, cash in my equity line and then do a short sale.”
14. “If I could just get a principal reduction.”

Short Sale Agents in Gainesville point out that these sayings of homeowners have no relevance if not uniting. It only shows that no matter how you feel at any given point, there are others experiencing the same things and you are not alone in this world. These cliches coming out of underwater homeowners’ mouth may relate to I’ve heard, I’ve heard, I’ve heard! They may sound silly but logically, they give out a point.

Other Articles to Read:

Support Florida’s Super Exemption

Loan Modifications For Gainesville Short Sale

Banks Are Calling Homeowners To Solicit Short Sales

Options To Prevent Gainesville Foreclosure when Unemployed

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.
Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals.

  

Gainesville Homes Short Sale Update – Freddie Mac LP Relief Program Can Save Your Home

Gainesville Homes Short Sale Update – Freddie Mac LP Relief Program Can Save Your Home

If you are a homeowner in distress with your Freddie Mac loan – you currently have an upside down mortgage or currently have an adjustable rate mortgage that doesn’t seem to lessen the balance –, then Freddie Mac LP Relief Program may be your life saver.

Gainesville homes for sale introduces the new Freddie Mac Relief Refinance Mortgage. It is the Home Affordable Refinance Pr0gram/HARP’s offshoot of its business implementation. It offers aid from simplified appraisal requirements, standard mortgage insurance, and no maximum loan to value ratios.

For borrowers who make on-time payments yet are unable to refinance because of declining property values, the Freddie Mac LP Relief Program may save your day by helping you to refinance into a better mortgage so you will be eligible for long term successful home ownership.

Gainesville homeowners wanting to avoid foreclosure see how this new program and its new extensions may work for you:

Eligibility requirements for the mortgage relief program:

  • You must be a first lien, customarily owned and securitized by Freddie Mac.
  • Your Freddie Mac Settlement must be on or before May 31, 2009.
  • You must be seasoned for a span of three months.
  • The mortgage being refinanced is eligible for refinancing if it has mortgage insurance or mortgage pool insurance.
  • The mortgage being refinanced is ineligible for refinancing if the mortgage has recourse, indemnification or other credit enhancements.
  • Benefit for borrower (must result in one of the given benefits)
  • You will receive a reduction in interest rate.
  • You will receive a replacement of an ARM.
  • You will receive a reduction in the amortization term of the first lien mortgage.
  • You will receive a reduction in the monthly principle and interest payment of the first lien.
  • No maximum LTV ratio for fixed-rate mortgages
  • For ARMs, the maximum LTV ratio is 105 percent.
  • For mortgages with LTV ratios lower than or equal to 80 percent, the maximum TLTV or HTLTV ratio is 105 percent.
  • For mortgages with LTV ratios higher than 80 percent, no maximum TLTV and HTLTV ratios will exist.

Other Articles to Read:

3 Questions You Should Ask Before Hiring a Gainesville Short Sale Agent

What Can a Short Sale Agent do for Me?

Choosing a Qualified Agent

Do I Have to Pay for the Real Estate Agents Commission?

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.

Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals.