About: Though raised in North Florida, Ben moved back to Gainesville and joined the Focus Real Estate Group team in November 2006 after moving from the South Florida area where he had been living the past 6 years. While there he was recognized as the Keyes Company Realtors "Rookie of the Year"...
About: Though raised in North Florida, Ben moved back to Gainesville and joined the Focus Real Estate Group team in November 2006 after moving from the South Florida area where he had been living the past 6 years. While there he was recognized as the Keyes Company Realtors "Rookie of the Year" and later served as Assistant Manger for Keyes/Boynton Beach and as Sales Manager for Coldwell Banker/Boca Raton Central & Beach offices and it's nearly 300 agents. Currently Ben specializes primarily in residential sales and is the exclusive listing/sales agent for Magnolia Homes Inc, Gainesville's only full time concrete block home builder. As well as being a Certified Negotiation Specialist and Certified Home Marketing Specialist, Ben has served on the Realtor Image Committee and volunteered countless hours to Habitat for Humanity and "Student of the Week" recognition programs. As a member of the United States Air Force for six years, Ben served at the United States Air Force Academy and in Europe receiving two Air Force Commendations as well as numerous other awards. In 2014, Ben was recognized by the Gainesville Police Department and received their "Police Service Award" for his contributions to Law Enforcement. Most recently Ben was appointed to the Board of Directors for Alachua Habitat for Humanity . He looks forward to using his real estate connections and experience to promote a renewed partnership with the local Realtor association and local business partners to raise money and awareness of Habitat's ongoing mission and the expansion of their new home builds, renovations and critical home repairs program. Ben has two incredible teenage children in Brandon and Lauren. Brandon is a U.S. rated fencer who also plays the violin and is heavily involved with his school's NJROTC program. Lauren plays competitive travel soccer for the Gainesville Soccer Alliance is getting ready to join her brother at Gainesville High School. The family are also active members of North Central Baptist Church in Gainesville.
Focus Real Estate Group
4631 NW 53rd Avenue Ste 105 Gainesville Fl 32653
GAINESVILLE, FL 32653
GAINESVILLE, FL 32653
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Displaying: 3 Most Recent Answers
Answered: Mar 13, 2018
No, your VA benefits & entitlement are not transferable. However, the fact that your son is a veteran means he should most likely be entitled to the same benefits as you including eligibility for a VA loan of his own. You can apply for a VA Loan Certificate of Eligibility three different ways: 1) Apply through a VA approved lender 2) Apply online through the VA’s eBenefits portal 3) Apply by mail with VA Form 26-1880
Answered: Mar 10, 2015
Any Realtor can but you need to find one that will, return your calls, reply to your emails and always have your best interest as their top priority. I would be happy to schedule time with you and your fiance' to see properties in the Gainesville area. Please don't hesitate to contact me at at your convenience if I can be of assistance. Ben Phillips
Answered: Nov 19, 2012
Having a foreclosure on your credit history is very damaging. That’s because it stays on your credit report for 7 years from the foreclosure filing date. Though a foreclosure will suppress your credit scores, they can bounce back if you manage your credit wisely. Paying bills on time and using a regular or secured credit card that you pay in full each month are the best ways to get your credit back on track as quickly as possible. As you accumulate more current credit transactions that are positive, they start to overshadow the negative ones from your past. As your foreclosure ages, it won’t be ignored, but will be less of a damper on your credit if you make it a habit to pay financial obligations on time and never run up high credit card balances. Additionally, credit scores are just one piece of information that a home lender uses to evaluate potential borrowers. They also look at how much you earn, your job stability, how much savings you have, and various financial ratios, like your percentage of debt to income. A home lender may also penalize you for having walked away from the mortgage on a foreclosed home (if that was the case)—versus having been forced to stop making payments due to a situation you couldn’t control, like a job loss or a medical crisis. If you can make a large down payment on a home—like 30% or more—that may sway a lender who’s on the fence about your credit worthiness. Receiving more upfront cash reduces a lender’s potential liability if you default and require them to foreclose. A good rule of thumb is to wait at least 2 years before trying to buy a home after a foreclosure. That’s enough time for your credit scores to show some improvement—if your overall financial situation is the same or better.