Buy a Home
Find the right home — not just a house.
First home or fifth, I’ll guide you through financing, down payment assistance programs, and finding the right neighborhood for your life — in St. Augustine, Jacksonville, Palatka & beyond.
Which Buyer Are You?
Every buyer gets a game plan.
/ 01
First-Time Buyers
Florida has real money on the table for first-time buyers — I’ll show you which down payment assistance programs you qualify for.
/ 02
Veterans
Your VA benefit is powerful. As a fellow veteran, I make sure you use every bit of it — $0 down, done right.
/ 03
Relocating
New to Northeast Florida? I answer the questions that matter — commutes, schools, insurance, what each town actually feels like.
/ 04
Investors
I invest here myself. Cash flow, ROI, and long-term potential — we’ll analyze deals, not just tour homes.
How much house can I afford?
Run your own numbers in ten seconds. Estimates update as you type — then confirm the real thing with a licensed lender.
Estimates for planning only — not a loan offer, preapproval, or lending advice. Rates, taxes, insurance, and HOA/CDD fees vary by property and borrower; Florida insurance costs in particular vary widely. VA loans do not require PMI (a VA funding fee may apply and is not included here). For other loans, estimates include PMI at the rate shown when the down payment is under 20% (PMI typically drops off at 20% equity; actual PMI varies by credit and loan). Confirm your real numbers with a licensed lender — start with my preferred lenders. Neal Brown, Realtor® · iHeart Realty, Inc.
Get your free buyer guide today
Pre-approval to closing day, in one guide — tell me where to send it.
Buyer Resources
Do your homework here.
Down Payment Assistance
Florida programs that can put tens of thousands toward your first home.
Real Estate Dictionary
Escrow? Contingency? PMI? Plain-English definitions for every term.
No pressure. Just answers.
Let's find your home.
Tell me what you’re looking for and where you are in the process. I’ll reply personally — usually the same day.
Text or call anytime