I wished my answer could be YES.

But, Jacksonville has so much unmet demand for affordable housing. More than 70% of households making less than $32k do not have affordable housing in Jacksonville.

See the Dupont Fund Report here.

A person making minimum wage needs 2.1 full-time jobs to afford one bedroom apartment.

Read the article here.

Although I know the blight problem alone can not fulfill the demand for affordable housing, I am confident that it can put a dent in the demand and improve the lives of many working class families.

For the last several years, I have been helping about three working class families a year become homeowners for less than what they pay in rent. This cost savings of $200 or more a month gives them more margin in their budget and more peace in their life.

My goal for 2019 as The Jacksonville Affordable Housing Guy is to help 20 working class families own their own home.  To make that reality, I am getting started now.

Because of the Dodd-Frank Act limitations and the funding requirement ($26k per house), I am looking for people who would be interested in investing in real estate to help working class families.

If you want to know how easy, secure, and profitable it is to help working class families attain the American dream, please provide your contact information below.

Every year, rents go up and everyone who rents knows that.  It is always amazing how rent always out paces income increases.

Here is the latest report:

Jacksonville Times Union Article

As the Jacksonville Affordable Housing Guy, I am in war to help working class families own their own homes for less than they currently pay in rent in 15 years.

There will be one house ready for move in April 1st.

If you know of anyone looking for home in Springfield, New Town or Eastside area, please have them fill out the Contact Form and receive:

$500 Down Payment Credit.

 

One of the biggest road blocks to buying a house is the down payment.  Often, the down payment is what scares people off the American Dream of home ownership.  Knowing that most loans require 10% down can be very intimidating. Fortunately there are several resources to help qualifying people with their down payments.  Here are a few:

City of Jacksonville’s Head Start to Home Ownership Program

http://www.coj.net/departments/housing-and-neighborhoods/housing-services/programs/homebuyers/head-start-to-home-ownership-program.aspx

A program that provides down payment and closing cost assistance in the form of 2^nd or 3^rd mortgage for qualifying families at 0% for ten years. If you still live there and have not refinanced, the loan is forgiven. If the home is sold or refinanced, the amount of assistance is paid.

List of all of Florida’s Down Payment Programs

http://floridadownpaymentassistance.com/

5 Different Down Payment programs that vary from 3% grant to $7,500 to $15,000 are described including the requirements to qualify.  Check it and see if one is right for you.

Down Payment Reduction Credits Program

The Jacksonville Affordable Housing Guy created the  Down Payment Reduction Credits Program which is aimed at keeping more money in the new home buyer’s wallet.  Just by filling out the Contact Form, a person receives a $500 Down Payment Credit. By participating in FREE Home Ownership Coaching Call will earn another $500 Down Payment Credit.   There are several more ways the Down Payment Reduction Credits Program can reduce a down payment by up $3,500.

If you want to see how the Jacksonville Affordable Housing Guy can get you on the path to home ownership, please just fill out the Contact Info.

The Jacksonville Affordable Housing Guy wants to salute Martin Luther King, Jr. for all he did to help America become a better a nation.    I just rewatched his most famous speech.

Click HERE for MLK’s “I Have A Dream” Speech

We have come a long way but still have a long way to go.  As Martin Luther King said, “We should not be satisfied until until Justice rolls down like water and righteousness like a stream.”  My prayer is that all Americans become unsatisfied with sad state of race relations and begin to work togather to make the changes so all people are treated equal which will require us to change perceptions, systems and laws.  To do this, we will have to change our mindset (we have to learn how somethings are working unfair for a large segment of our country), change our heartset (we have to care enough about the segment of people not being treated right to do something), and change our handset (we have to sacrifice time, money and resources to make the changes necessary). I hope to be a part of the movement when it gets started.  As I wait for it to get started, I am going to do my part as a small business owner to help as many people as possible to enjoy the American dream of home ownership.

The Jacksonville Affordable Housing Guy is committed to helping anyone and everyone equally to get on the path to home ownership.  Here are the facts about the six families that I have helped become home owners in the last two years:

• All pay less than they did for rent.
• All are 1st time home buyers.
• 4 families are minorities.
• 2 families are on disability.
• All will have their home paid for in 15 years or less.

If you know someone who is interested in owning their own home for less than they pay in rent, please let them know that the Jacksonville Affordable Housing Guy helps anyone and everyone get on the path to home ownership without EVER charging a fee.  I can get most people in their own home in three to nine months.

Check HERE to see more information from the government.

40% Of Duval County families pay more than 30%.  Half of those families spend over 50%.  Check HERE to see many more facts about housing in our county.

Do you have affordable housing?

To find out, I will show you to figure it out in four easy steps.

1. If you get paid every two weeks, grab your last two pay stubs. If you get paid every week, grab your last four pay stubs.
2. Add up the gross amount of your pay for each period.
3. Take that number and multiply it by .30
4. Is the new number more or less than what you pay for rent or mortgage? If it is less than, you do not have affordable housing. If it is more, congratulations for having affordable housing.

Why is affordable housing important?

People without affordable housing are more likely to have to chose between rent vs. food, rent vs. medicine, rent vs utilities.  1 in 4 Duval County children suffer food insecurity. Click HERE to see more sad facts.  We know that not paying for where you live leads to being without place which is what caused 2,111 Duval County students to be homeless in 2014.  Click HERE to see the full report.

The Jacksonville Affordable Housing Guy is dedicated to helping people get affordable housing. Click HERE to start your path to home ownership.

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