What FICO® Score Do You Need to Qualify for a Mortgage?

It’s common knowledge that your FICO® score plays an important role in the homebuying process. However, many buyers have misconceptions regarding what exactly is required to get the loans they need.

While a recent announcement from CNBC shares that the average national FICO® score has reached an all-time high of 706, the good news for potential buyers is that you don’t need a score that high to qualify for a mortgage. Let’s unpack the credit score myth so you can to become a homeowner sooner than you may think.

With today’s low interest rates, many believe now is a great time to buy – and rightfully so! Fannie Mae recently noted that 58% of Americans surveyed say Continue reading…

Featured Homes and Condos For Sale Greater Daytona Beach Area

Are you looking for a home in the Daytona Beach area? Check out some of the featured homes in my office. Condos at the beach, River homes on the inter coastal, Golf community homes and so much more!

I cover many areas here in the Greater Daytona Beach Area, you can check out all of the homes and condos in the area listings below. Next to each city name you will also see the total number of properties currently for sale.

Homes and condos for sale by city

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Check out some of these most popular home searches here at Daytona Beach Property Search

SEARCH ALL HOMES IN THE GREATER DAYTONA BEACH AREA HERE

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2017 Welcome to your new home in Daytona Beach

It’s January and there are a lot of great homes coming on the market!

Interest rates are expected to rise several times this year making the first quarter a great time to buy! Home prices have been slowly rising in the central part of Florida, on average home values rose 12.5% over the last 12 months.

Below are some of the listings in our office but dont let that limit what you see you can also search all of the homes in the area by clicking here: SEARCH FOR FLORIDA HOMES AND CONDOS. FHA loans have some great new savings you can see more information on them below the listings.

If you have any questions or would like to see any properties give James Jestes a call 386 315 4744

FIND YOUR NEXT HOME IN THE DAYTONA BEACH AREA

Some great new on Mortgages

HUD announced yesterday that the monthly mortgage insurance premium for FHA has decreased effective with all closings on or after January 27, 2017.

For 30 year fixed mortgages, the monthly premiums are dropping by 25 basis points, from .85% to .60%. This can equal big savings over the life of the loan, for example: On a $200,000 loan amount, this equates to a monthly savings of approximately $50 per month. This also increases purchasing power!

To read the entire HUD announcement, please click on the following link: https://portal.hud.gov/hudportal/documents/huddoc?id=17-01ml.pdf

Remember, Our lender can offer Mortgages for FHA loans down to a 580 credit score when most banks require a 620 or 640 score! Call James Jestes today to be put in touch with a lender that can help you purchase your new home!

BEACH SIDE CONDOS AND HOMES FOR SALE

I look forward to hearing from you!

Your Florida Real Estate Agent

James Jestes

Beachside Studio condo for sale $48,000

Beachside Studio condo for sale ~~$48,000~~ Just REDUCED $46,000
Don’t miss out on this great opportunity. Recently renovated steps from the ocean. View this live video of the property.

For more information on this studio condotel please visit:
Daytona Inn Condotel for sale

I also have another unit in this building for sale
Daytona Beach 1 bedroom condotel for sale

Call James 386 315 4744 for more information or to see these or any other homes and condos in the area!

Friday Nights at the Beach and Bandshell

If your free on any Friday night in the summer you have to bring your lawn chairs and come listen to the live bands at the Bandshell. Its Free and always a lot of fun.

Most people just sit out at the beach and enjoy the music. Last week I took the whole family and we listened to a great Santana tribute band. Tonight is the band “Are Friends Electric”

You can see all of the upcoming events at The Daytona Bandshells website.

Here is a video of the beach I did last friday! Enjoy and I hope to see you there tonight!

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Great Homes For Sale In The Daytona Beach Area

It’s winter here in Florida and we are having a great year so far here in Daytona Beach and the surrounding area. Whether your looking to purchase your new home at the beach or in a great gated community, in Daytona Beach, Ormond Beach, Port Orange or and of our other great beach towns. Your going to find a great home here.

Interest rates fell hard over the weekend and you can now get interest rates of 3.80% or better in some cases. Its going to save you hundreds of dollars on your monthly mortgage cost in many instances depending on how much your borrowing. The time is right for borrowing the money you need to purchase your new home. As one of my mortgage brokers stated “It’s practically free to borrow money right now”

Check out these great homes for sale below and call me view any of them.

Homes For Sale in Port Orange

CLICK HERE TO VIEW PORT ORANGE FLORIDA HOMES FOR SALE

Homes for sale in Ormond Beach

CLICK HERE TO VIEW ORMOND BEACH FLORIDA HOMES FOR SALE

Florida Gated community homes for sale

CLICK HERE TO VIEW FLORIDA GATED COMMUNITY HOMES FOR SALE

Golf Course homes for sale

CLICK HERE TO VIEW FLORIDA GOLF COMMUNITY HOMES FOR SALE

Florida Condos at the Beach For Sale

CLICK HERE TO VIEW BEACH CONDOS FOR SALE

5 Stunning Beachside Condos for sale in Daytona Beach

Are you looking to move to Daytona Beach FL or any of the surrounding areas? Listed below are just a few of the condos currently available for sale as of November 10th 2014. The MLS listings area always changing and you can find the most up to date list for Daytona Beach right here in this link. Daytona Beach Condos for sale.

Penthouse Condo on the Ocean $769,900

Rarely offered, a penthouse in the Mediterranean! And this is truly a Daytona Beach penthouse! With soaring 10ft ceilings, and unobstructed wrap around views which include the ocean and the intracoastal. In the mornings you can enjoy the sunrise over the ocean and in the evenings the sun setting over the river! Every room has it’s own spectacular view and access to the 2 terraces! Inside this custom designed unit you will find all of the upgrades you can imagine…custom, maple built in wall units in the living room and master, spa inspired master bath with jetted tub and large walk in shower, venetian plaster walls, and travertine and maple hard wood floors, are just a few of the appointments. The gourmet kitchen (with amazing views) boasts generous maple cabinetry, stainless appliances and granite counters. The designer window treatments include the rarely seen, but very convenient to use, remote controlled Hunter Douglas shades. On site management, a club room with theater, 2 fitness rooms, a sauna, and the ocean front pool and spa are just some of the building offerings! The convenient location of the building is the cherry on top! Near to shops, groceries, restaurants and the ocean walk entertainment complex! This is possibly the most spectacular unit in arguably the best building on the beach!

2 Bedroom 2 Bath Oceanfront $769,000

The ONLY sophisticated residence in Daytona Beach Shores with the luxury lifestyle of a 5-Star Resort and the comforts of home. The perfect home or corporate residence for the owner who LOVES THE BEACH, GOLF or RACING. Featuring two oceanfront master bedrooms, a spacious lanai with glass railings for unobstructed oceanfront views & built-in barbecue grill, a media room that will double as 3rd bedroom, 9` ceilings & fireplace. Laundry room w/tub. The gourmet kitchen is fully equipped with Italian cabinets, stainless steel G.E. Profile appliances, solid granite countertops, chef’s island, wine refrigerator & breakfast bar. Bath features large soaking tub, separate dual-head shower, marble vanity. Pamper yourself after a day at the beach with heated pool, spa & oceanfront fire pit; oceanfront fitness center, business center, club room with billiards, large screen TV & catering kitchen. You can’t beat the professional decoration and furnishings of this gorgeous condominium home. Large walk in closets. It is ready for you to move in today! Security building access, indoor garage parking. These exclusive oceanfront condominiums combine architectural brilliance, contemporary technology, and world-class resort-like amenities. This majestic 11 story oceanfront high rise has everything you could ever want…and more. Call me today 386 315 4744

3 Bedroom 2 Bathrooms $689,900

Opulent opportunity awaits from this desirable Diplomat unit featuring crystal clear views of the Atlantic coastline and majestic Halifax River through the glass-railings of the sprawling balcony. Large and lavishly adorned living areas provide the peaceful retreat you’ve been looking for along the World’s Most Famous Beach while the ample kitchen will delight the chef of the family, featuring custom wood cabinetry, gorgeous granite countertops, stainless appliances and a convenient center island with vegetable sink. Evenings can be spent barbecuing on the balcony with friends and family amid a cool ocean breeze or cozied up next to the fireplace with that special someone. The Master Suite offers private balcony access with breathtaking ocean views while in the master bath you will enjoy a relaxing garden tub and separate shower. At Ocean Villas, residents can enjoy a fabulous Florida lifestyle bolstered by semi-private elevators, an Infinity Edge Pool, Mediterranean garden, lavish clubhouse, oceanfront fitness facility and much more. This luxury condo features two parking spaces, ample owner storage and comes fully furnished at the asking price. Don’t miss your chance to own a true piece of paradise at Ocean Villas in Daytona Beach Shores.

2 Bedroom 2 Bathrooms $319,900

Live the vacation lifestyle all the time in sought after Oceans Eight condominium. You will love this Direct Oceanfront unit with an amazing view of the ocean and beach. Imagine enjoying your morning coffee or evening cocktail on your very private balcony watching the waves and breathing the clean ocean air. This unit has a fabulous open floor plan with all tile. Oceans Eight has great amenities that you will enjoy such: as an indoor heated pool, outdoor pool, sauna, new hot tub area, a dedicated bike room, and an updated social room with two kitchens and a great dance floor. Oceans Eight is known for holding great social events throughout the year. It is located in the heart of Daytona Beach Shores and within walking distance to a supermarket, bank, pharmacy, golf, tennis, Racquet Club, Community and Senior Center and minutes to local restaurants, major shopping and theaters and hospitals. Come experience Oceanside Living in Oceans Eight Condominium. This is the vacation lifestyle you will love. All information is intended to be accurate but cannot be guaranteed.

3 Bedroom 2 Bathrooms $479,900

Beautiful Spanish Mediterranean Style Ocean front condo. Enjoy amazing view of the Ocean and Intracoastal Waterway. Fully furnished with high end furniture and decor. Gourmet kitchen with stainless appliances, wine cooler, granite counters. Spacious wrap-around balcony with built-in summer kitchen. Large master bedroom opens to a spa style bath offering separate his & her vanities, Jacuzzi tub, walk in shower featuring dual shower heads. This beautiful entrance lobby is professionally decorated and furnished. Marbella amenities include a cardio fitness center, spectacular social suite with gourmet catering kitchen overlooking a beautiful paver sundeck with oceanfront heated pool & spa.

If you would like to view any of these condos please feel free to contact me James Jestes at 386 315 4744 and I would happily set up an appointment for you to see any of these or any condos for sale here in Daytona Beach

5 beautiful beachside pool homes that will inspire you.

Are you looking for a beach side pool home here in sunny Daytona Beach! There are lots of options. Check out these 5 beautiful homes on the peninsula. These are just a small sample of the homes available in the area with beautiful pools. If your interested in finding the perfect home in the Daytona Beach area you can search here at Daytona Beach Property Search.

Lets start off with this beautiful home with the sought after address of Halifax Ave. This home is 3 bedroom, 3 Bathroom with a great backyard pool and guesthouse cabana. Click here to see more information and photos of 1639 Halifax Ave N.

Rarely is a home this large and this lovely offered on the beach side. Completely remodeled, the owners created an open floor plan and designed a kitchen with the Chef in mind! Gorgeous granite counters, an abundance of wood cabinetry, a modern pantry and a HUGE Stainless Refrigerator / Freezer combo make this kitchen ideal for entertaining! The owners kept much of the original wood floors and thus the charm of the home. Adding tile and new baths were part of the updates. Vaulted ceilings, also a rarity beach side, enhance the living areas of this home. A new roof along with new windows in 2007 will give the new owner peace of mind as well! The out door living area is fabulous with plenty of room for a summer kitchen, and entertaining. The pool area and yard are spacious and the owners even added a guest house-cabana and fire pit which add to the entertainment factor! Even though this home has a Halifax Address the front door is on Pelican and it is nestled on this quiet cul-de-sac. Conveniently located near shopping and restaurants and it is a short stroll to the World’s Most Famous Beach! If you are looking beach side for a fabulous, roomy, pool home, your search is over!

2108 Peninsula Dr S, Daytona Beach, FL — Click here to view more photos

Are you looking for that perfect home to entertain around the pool? Check out all that this beautiful pool home as the offer. Click her to see more information and photos of 2108 Peninsula Dr S

Love to swim & entertain?? This beautiful beachside home is just for you! From the moment you walk in the front door, you’ll be amazed at the amount of room there is to bring all your family & friends together for good times! Spacious living room has vaulted ceiling, ceramic tile, French doors overlooking the pool, & the coolest wood-burning fireplace! It’s made of glass block, with lights inside the blocks! Large dining room with gorgeous oak floors leads to your chef’s delight: Kitchen has been totally updated with maple cabinets with pan drawers, lazy susan & spice rack!, silestone countertops, under cabinet lighting, tiffany style lights, Thermador 5 burner gas cooktop, frig with freezer on bottom, double oven (convection on top), wine rack, & even a pass-thru to the pool area! Let the party begin!! Your kids will love the 12′ DEEP pool, approx. 18W x 42L (refinished & new screen enclosure in 2004)Burleigh Built, with large flagstone patio. Two covered patio areas & a built-in grill/smoker! Lots of windows everywhere make this a cheerful home. L-shaped floorplan offers pool views from most rooms! Closets galore including a big storage area below the bay window in the living room. Roof replaced in 2004. Retro bathrooms! Hardwood floors in all bedrooms! Gas stove, hot water heater & dryer. Hurricane rated garage door in oversized garage with more storage! Circular drive in front,+ driveway + extra pad. Updated plumbing & electric! Tropical landscaping!

171 Riverside Dr, Ormond Beach, FL — View more photos of 171 Riverside Dr.

What a beautiful tropical oasis this home is. Lush poolside living in beautiful Ormond Beach. If your looking for that perfect pool home on the peninsula this just might be the place for you. Click here to see more information on 171 Riverside Dr.

Located on the historic sight of the first home in Ormond Beach on coveted “One Way” Riverside Dr this unique family home is worth seeing.! Over 4100 Living sq ft offers brick wood floors plus four fireplaces award winning grotto pool Chicago style outdoor brick pizza oven and tiki bar. A two story gazebo overlooks a lush tropical pool area. Modern kitchen with customized mahogany cabinets , granite counters and stainless steel appliances. Three story living room with French doors with balcony for library. 80 x 258 estate lot with majestic live oaks and room to spare zoned as buildable for an additional residence if desired. Seller is a licensed real estate agent.

1720 N Atlantic Ave. — View more photos of 1720 N Atlantic Ave

Stunning Oceanfront home with majestic views of the ocean! This pool will me your new favorite place to sit and relax while listening to the waves crash on your shore! Click here to view more information and photos of 1720 N Atlantic Ave, Daytona Beach, Fl.

LOCATION! “Gated Private OCEANFRONT Residence” situated on The World’s Most Famous Beach Daytona Beach Florida’ Sitting high on a dune with 95′ direct ocean frontage offering wide unobstructed BREATHTAKING views! Electronic gates and 6′ travertine stone wall on 3 sides afford privacy, security. This Opulent Oceanfront Home was renovated by Award Winning Architect, utilizing the highest quality materials, craftsmanship, and extensive use of luxurious natural travertine stone. Amazing views, lush tropical landscaping and tiered terrace leads to private oceanfront gate. From the moment you enter The “Grand Columned Portico” enhanced with stunning custom designed “Arched Double Doors” you will be impressed with the quality and features in this one-of-a-kind home. The floor plan blends seamlessly with the spectacular outdoors and huge pool deck, lanai for relaxation, alfresco dining and enjoying the glistening Infinity Pool and Spa. The Master Suite French Doors lead out to the pool deck. Master Luxury Bath, 2 spacious closets. Addt’l Bdrms Ensuite. Home Office has potential as a 4th Bdrm. Bar with built-in Wine Storage. The well designed Gourmet Kitchen complete with Granite Counters, Center Island, SS appliances. Tile Roof, 2 car gar w/tiled floor. Incredible, beautifully maintained home is a must see! One of a few direct oceanfront homes currently available in Daytona Beach.

714 John Anderson Dr, Ormond Beach, Fl — View more photos of 714 John Anderson Drive

We couldn’t create this list of stunning pools without this beautiful home on John Anderson Drive. 4 bedrooms and 5 bathrooms this house has it all! Click here to view more information about 714 John Anderson Drive, Ormond Beach, Fl.

ABSOLUTELY STUNNING gated estate on the Intracoastal Waterway! A home of distinction and dramatic eloquence shown thru the craftsmanship and attention to details amid the beamed, tray & coffered 12′ ceilings, crown & dentil moldings, high baseboards, arches, solid paneled 8 ft. doors, designer tiles, & beautiful wooden & tiled floors. A home built for entertaining! Magnificent grand entry w/soaring ceiling and curved staircase. Beautiful formal dining w/wine room. Open concept living, family, wet bar, kitchen & breakfast room with water views & entries to verandas, summer kitchen, salt water infinity pool, spa and river. There is a game room w/bar, 1st floor office & guest bedrooms w/private baths. The beauty & function of the kitchen is superb with Viking Range, integrated Thermador separate refrigerator, freezer, granite surfaces, island, breakfast bar, walk-in pantry & more than any gourmet could imagine! The first floor master wing is outstanding entering thru a doubled door anteroom, thru archways into the owner’s suite with water views in both rooms and access to a private coffee center and covered lanai w/fireplace. The master bath is incredible with more than the expected amenities. His & Her walk-in closets with built-ins, packing station & dressing area. Home elevator & full house generator. Professionally decorated to perfection with most furnishings included!