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Jacksonville Expert Home Advisors
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Featured Agents

Ben Barfoot

Expert Advisor

Dan Stephenson

Broker Associate
License Number: bk3244201

Jose Urbaez

Florida Licensed Realtor
License Number: SL3406442

Judith Urbaez

Florida Licensed Realtor
License Number: SL3405022

Lisa Leath

Broker Associate, Realtor
License Number: BK 513550
Kristine Kennedy

Kristine Kennedy

Loan Officer
NMLS# 130562
Direct: 904-514-6969
Cell: 904-514-6969
12058 San Jose Blvd; Ste 903
Jacksonville, FL 32223

Buying a home is one of the biggest investments that you will make in this life and who you choose for your mortgage goes hand in hand with the story that you will tell years later about your home buying experience. There have been many industry changes, but there are a few constants that stand the test of time that customers want the BEST PRODUCT for their situation, the BEST DEAL, and the BEST EXPERIENCE while purchasing their new home.

My 25 years of experience is my #1 asset. There are 25 milestone points to a mortgage and many people who touch the file from the signing of the contract to the closing table. My experience makes me the BEST PERSON to manage those milestone points and people. I can find the solutions, and I use my creative thinking to navigate through the problems that could arise at each milestone point.

The key to my "BEST EXPERIENCE EVER" is systems, systems, and more systems.  I broke down the milestone points and created systems so many of the pieces have been deleted, they are done automatically, or they are done by only the BEST people in the city.  I uniquely understand the realtor's point of view. Realtors want to know that their buyer is going to be treated like family, the lender is going to be available every step of the way, and they want to have communication on the milestone points from the signing of the contract to the closing table.

The contract is the most important piece of the transaction because it has timelines such as how many days a borrower must make loan application, timelines to have loan approval, and timelines to close on the home. Although a mortgage company is not a party to the contract, the mortgage company is the single part of the transaction that can train wreck your file and kill the dreams of home ownership for the buyer.  I learned a long time ago to make the contract the most important piece of the file, follow all the timelines, meet all the timelines, and make sure every closing is on time, EVERY FILE, EVERY TIME!

Kristine Kennedy name in fancy text

Neighborhood Guides


The largest city by land mass in the US, the fabulous First Coast is sure to have a location that is perfect for your new home!

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Ponte Vedra Beach

The amazing shores here are ideal for shark tooth hunters, shell searchers and serious sun worshipers!

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St Augustine

St. Augustine, touts gorgeous Intracoastal and Coastal properties, historical landmarks, beautiful beaches and the World Golf Hall of Fame.

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St Johns

With brand new communities all over the county, St. Johns offers award-winning schools and a warm, family feel.

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