Michael Nobles Michael Nobles

Is a Manufactured Home Considered Real Property?

Is a manufactured home or mobile home considered real property in Florida?

The short answer is: not automatically. A manufactured home can begin as separately titled property, similar in some ways to a vehicle. Under the right circumstances, however, it can become part of the real estate on which it is permanently located.

A Manufactured Home Can Have Its Own Title

Read More
Michael Nobles Michael Nobles

How Do I Buy a House That Is a Short Sale?

Can you really get a better deal by purchasing a short sale?

Yes, sometimes you can. In my opinion, a short sale can offer a better buying opportunity than a foreclosure, but you need patience, flexibility, and a real estate agent who understands how the process works.

Short Sales Are a Small Part of the Jacksonville Market

At the time I wrote this, there were 8,598 homes for sale in the Jacksonville metropolitan area, and only 132 of those were short sales. That's roughly 1.5% of the available homes.

Read More
Michael Nobles Michael Nobles

An Explanation of Daniel’s Dreams and What They Mean Today

Can a dream given more than 2,500 years ago tell us something about the world we are living in today?

I recently watched a teaching by Alan Parr, who produces Bible-teaching videos on YouTube. I believe he is one of the best Bible teachers I have listened to when it comes to taking difficult subjects and explaining them in a way that ordinary people can understand.

One of his discussions dealt with the Book of Daniel and, in particular, the dream of King Nebuchadnezzar in Daniel Chapter 2.

Read More
Michael Nobles Michael Nobles

Should I Buy New Construction or a Resale Home?

Should I buy a brand-new home, or am I better off buying a resale home?

There isn't one answer that's right for everybody. I like new construction for a lot of reasons, but I also see some real advantages to buying an established resale home. For me, one of the biggest deciding factors is location.

Read More
Michael Nobles Michael Nobles

Are the Prices in Jacksonville Coming Down on Residential Homes?

Are residential home prices in Jacksonville finally coming down?

The short answer is yes, in some areas and price ranges—but not across the board. Jacksonville has shifted into a market where buyers generally have more choices and negotiating power than they did a few years ago, but every neighborhood and every home is different

Read More
Michael Nobles Michael Nobles

Should I Vote?

I started voting in 1978. As a young adult, voting was one of the most important responsibilities I felt I needed to take on. To me, it was one of my first opportunities to participate in this country as an adult and take seriously the responsibilities that come with being a U.S. citizen.

Read More
Michael Nobles Michael Nobles

Why Should I Use a Buying Agent?

Why should I use a buying agent when I can simply call the listing agent on the house I want to see?

I've seen over the years that a lot of buyers believe they'll get a better deal if they go directly to the listing agent. On the surface, that may sound logical, but in reality, there may be very little advantage to the buyer.

Read More
Michael Nobles Michael Nobles

What Should a Real Estate Agent Do to Advertise My Real Estate Sale?

What should I expect my real estate agent to do when selling my home?

A good real estate agent does much more than simply place a sign in your yard and put your home on the MLS. Selling a home successfully requires planning, preparation, marketing, communication, and experience. The better the preparation before your home goes on the market, the better the chances of attracting qualified buyers and obtaining the highest possible price.

Read More
Michael Nobles Michael Nobles

"Is It Time to Buy Your Forever Home?"

Is now really the right time to buy your forever home, or should you wait for lower interest rates?

Short answer: If you're buying a home to live in for many years—not as an investment—the best time is often when you find the home that truly fits your family, your lifestyle, and your future. While no one can predict where interest rates or home prices are headed next, you can refinance a loan later. You can't always find that perfect home again.

Read More
Michael Nobles Michael Nobles

Should I Buy a House with an HOA or No HOA?

Should you buy a home in a neighborhood with a homeowners association, or is a non-HOA community a better choice?

The answer depends on your lifestyle, your priorities, and what you expect from your neighborhood. Neither option is right for everyone, but understanding the advantages and disadvantages can help you make the best decision before you buy.

Read More
Michael Nobles Michael Nobles

Down Payment Assistance Programs in Florida: What Home Buyers Need to Know

Are you worried that you don't have enough money saved to buy a home?

The good news is that you may not have to wait years to become a homeowner. Florida offers several down payment assistance programs that can help qualified buyers purchase a home sooner. The key is understanding how these programs work and deciding whether they're the best fit for your financial goals.

Read More
Michael Nobles Michael Nobles

What AI says it would do if it were the Devil in todays world

That's an interesting question because it can be answered from different perspectives—religious, philosophical, or psychological. If we're speaking from a Christian worldview, where the devil's goal is to separate people from God and from one another, then the strategy wouldn't necessarily be dramatic. It would likely be subtle.

If I were describing that perspective, I would say the "playbook" might look something like this:

Read More
Michael Nobles Michael Nobles

Proposed Florida Property Tax Changes on the 2026 Ballot

Florida voters will decide in November 2026 whether to approve a constitutional amendment that would significantly change Florida's homestead property tax exemptions. Because this is still a proposal, nothing changes unless at least 60% of Florida voters approve it.

Read More
Michael Nobles Michael Nobles

Does God Know How We Feel?

Have you ever wondered if God truly understands your pain, grief, fear, or heartbreak?

The answer is yes. And one of the greatest examples of that is found in the shortest verse in the Bible:

“Jesus wept.” — John 11:35

Read More
Michael Nobles Michael Nobles

Is Down Payment Assistance a Good Thing or Not?

Is down payment assistance really helping buyers, or can it create bigger financial problems later on?

Down payment assistance can absolutely help buyers become homeowners sooner, especially in Northeast Florida where home prices and upfront costs can feel overwhelming. However, not every program is the same. Some programs are true grants, while others are loans that may need to be repaid later. The key is understanding exactly what you are signing up for before moving forward.

Read More
Michael Nobles Michael Nobles

Is There Room for the Bible and Faith in Business?

Can a person truly run a successful business while openly living by biblical principles and faith in God?

I believe the answer is absolutely yes. In fact, I personally believe that removing God and the Bible from business and everyday life is one of the biggest mistakes our world is making today. My moral compass comes from the God who created me, and I believe that biblical principles create a stronger foundation for how we treat people, make decisions, and conduct business honestly

Read More
Michael Nobles Michael Nobles

Do I Need My Own Lawyer in a Real Estate Transaction in Florida?

Do buyers and sellers in Florida really need to hire their own attorney during a real estate transaction?

In many Florida real estate transactions, buyers and sellers complete the process without hiring a personal attorney because title companies and REALTORS® handle much of the transaction process. However, there are situations where having your own attorney can provide extra protection, advice, and peace of mind depending on the complexity of the deal.

Read More