Tracy Pham, NMLS #2063463, FL Mortgage Broker & Realtor

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Tracy Pham, NMLS #2063463, FL Mortgage Broker & Realtor Licensed Realtor and Mortgage Loan Originator, NMLS #2063463.

9/16/2026 Mortgage Rates Update In case you wonder … It’s still a good market to buy because house value is at market va...
09/16/2026

9/16/2026 Mortgage Rates Update

In case you wonder …

It’s still a good market to buy because house value is at market value and not overpriced like it used to be years ago.

Buyer still has negotiation power! So don’t just look at rates. You can always refinance it. But finding a house fits your budget and in the area you want, and has 70-80% of the characteristics you need … then it is a good buy!

Need that preapproval letter ?
Let’s talk !
Call /text me 904.570.2930

Update: Pending (House is under contract) after 5 days on the market! Congratulations to both Buyer & seller ! Anh chị...
09/08/2026

Update: Pending (House is under contract) after 5 days on the market! Congratulations to both Buyer & seller !

Anh chị em muốn tìm nhà có đất rộng giá hời ở Jacksonville FL, thì liên lạc Tracy giúp cho nha. Nhớ phải có loan approval rồi thì mới đi xem nhà được nhen, hoặc là cash thì phải có Bank Statement chứng minh có $$$ thì mình mới viết offer mua nhà được ạ !

Cần Tracy hổ trợ luôn phần vay tiền thì text hoặc gọi Tracy nha. 904.570.2930.

🔥🔥🔥 HOT 🔥🔥🔥HOT 🔥🔥🔥
FOR SALE

⭐️3Be/2Ba
⭐️1456 sqft
⭐️1 acre land
⭐️Built 2003
⭐️No HOA
⭐️No CDD
⭐️Full Fenced
⭐️Zip 32218

🔥🔥🔥 Price $325K🔥🔥🔥

Contact me for a showing of this home
Or for a loan preapproval !

904.570.2930

08/08/2026

Sửa nhà hoặc renovate nhà 🏠 những thứ cần có permit và GC có license để làm thì mình NÊN tuân thủ theo quy trình và theo luật để bảo vệ mình như sau:

1. Có permit (phép ) sẽ có record được giữ trong City sẽ giúp tăng giá trị nhà của mình.

2. Khi bán nhà cũng được dể dàng pass home inspection và appraisal. Thì người mua sẽ OK hơn vì loan approval cần những renovation phải có permit.

3. Khi mình cần refinance nhà để thì cũng sẽ được loan approval. ( Case của Tracy mới nói)

4. Lúc đi mua nhà thì nên check những renovation seller làm có xin permit không thì mới nên mua. Nếu mình Mua cash mình ít khi kiểm, nhưng khi là nhà của mình rồi thì rắc rối về sau sẽ thuộc về mình!

Good luck ! ❤️

Tracy Pham
FL Mortgage Broker, Future Home Loans
FL Realtor, Golden Pen Realty
☎️904-570-2930

Florida's Hometown Heroes Program is here to help eligible homebuyers make homeownership more affordable.Qualified full-...
07/24/2026

Florida's Hometown Heroes Program is here to help eligible homebuyers make homeownership more affordable.

Qualified full-time Florida workforce professionals may be eligible for up to 5% of their first mortgage amount (minimum $10,000, up to $35,000) to use toward:

• Down payment
• Closing costs
• Prepaid expenses

If you work in healthcare, education, law enforcement, fire rescue, the military, childcare, or another eligible profession, you may qualify.

This program is available only for eligible home purchases in the state of Florida and is subject to Florida Housing program guidelines, income limits, and available funding.

Ready to see if you qualify?

Email: [email protected]
Phone: 904.570.2930

Happy Friday!!! 7.24.2026MORTGAGE RATES UPDATE In case you are wondering….Rates have gone UP a bit today comparing to ...
07/24/2026

Happy Friday!!! 7.24.2026
MORTGAGE RATES UPDATE
In case you are wondering….

Rates have gone UP a bit today comparing to last week!

Our economy and market sure fluctuate and market is volatile !

However, as buyers, please remember when rates are high you have the upper hand! Negotiations power is on your side! And you can always refinance the rates but not the price ! Negotiating for a lower price has many benefits… lower taxes, more in equity, more sellers credits , etc…

For houses that need refinancing to lowering your rates… please don’t wait…

Many of you I spoke with months ago, we could save you so much in 30 years if your current is at 7% or higher.

Let’s talk if you need to discuss refinancing options or pre-approval letter or looking up houses for you!

I’m also a licensed realtor & mortgage broker … Let’s chat ☺️

Tracy 904.570.2930
[email protected]

FL Gov Desantis proposed to increase homestead excemption from currently $25K/$50K to $250K. If passed, This will go on...
05/28/2026

FL Gov Desantis proposed to increase homestead excemption from currently $25K/$50K to $250K. If passed, This will go on the ballot in November voting.

05/23/2026

💰🏡💰House for Sale 💰🏠💰
🛠️ Built 2021
🛌 4 Bedrooms
🛀🏻 2.5 Bathrooms
📐 1,874 sqft
🚗 2 car garage
⭐️No CDD
⭐️HOA $88/mo
Zip code: 32222

🔥💰💰SALE $330K💰💰🔥

Contact Tracy 904-570-2930 for more information

05/23/2026

💰🏡💰House for Sale 💰🏠💰
🛠️ Built 2023
🛌 4 Bedrooms
🛀🏻 2 Bathrooms
📐 1,707 sqft
🚗 2 car garage
🔥 Heating Gas
🪜 Ceiling 10ft
⭐️No CDD
⭐️HOA $229/quarter
Zip code: 32222

🔥💰💰SALE $335K💰💰🔥
🔥🔥 $5K Closing Cost 🔥🔥

Contact Tracy 904-570-2930 for more information

Address

Jacksonville, FL

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+19045702930

Website

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