Khristi V Cummings, Realtor

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Khristi V Cummings, Realtor

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Making Connections, Solving Problems Investing in your Future
Real Estate Extraordinaire Khristi V. She prides herself on being an extreme multi-tasker.

Cummings is passionate about every facet of real estate, from buying and selling to investing, renovating, and renting. Leveraging her unique multicultural background and extensive real estate expertise, she assists buyers, sellers, and investors in navigating the North East Florida market. Khristi's primary focus is on serving the customer’s interests, including wealth building, as they make one of the largest investments of their lives. With 15 years of logistics experience and over 10 years in real estate, including personal investments, Khristi brings a wealth of knowledge and skills to the table. Her background has honed her abilities in organization, negotiation, and networking, which she utilizes to guide clients towards achieving their real estate goals through active listening and a collaborative approach. Her goal is to provide comprehensive service to clients by collaborating with top partners and ensuring a seamless transaction process. Whether you are a first-time homebuyer, military buyer, seeking a forever home, or looking to downsize, Khristi has the perspective, connections, and expertise to turn your real estate dreams into reality. Outside of her professional life, family time is precious to Khristi. As a mother of boys, you’ll often find her putting together puzzles or trying new workouts. Ready to embark on your dream real estate journey? Let Khristi connect, solve problems, and invest in your future. Give her a call today.

10/28/2026

You're under contract, congratulations! 🎉 Now is not the time to make big financial changes.

Your lender approved your loan based on your finances at that moment, and many lenders re-check your credit and employment before closing. A change now can delay your closing or even put your loan at risk.

Here's what to avoid until you have the keys in hand:

🚫 Opening new credit

New credit cards, car loans, or store financing can affect your credit score and your debt-to-income ratio.

🚫 Making big purchases

It's tempting to shop for furniture or appliances for the new house, but big purchases can change your loan picture. Wait until after closing.

🚫 Changing jobs

A new job, even a better-paying one, can change how your income is verified. Talk to your lender before making any career moves.

The golden rule: if it involves your money or your credit, check with your lender first. ✅

Buying soon and want a smooth path to the closing table? Reach out anytime.

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com
📍 Jacksonville, FL

10/27/2026

Coastal living, just over the Bridge of Lions. 🌊

Take a tour of this renovated home in St. Augustine's Davis Shores neighborhood on Anastasia Island.

This Spanish-style block home blends mid-century charm with modern updates. There's an open kitchen made for gathering, a sun-filled Florida room, and a dedicated home office for working from home.

Outside, a spacious fenced backyard offers room to relax, with an outdoor shower and plenty of parking. Downtown's historic streets, local breweries, and dining are just a short bike ride away, and there's no HOA.

🏡 3 Beds | 2 Baths | 1,439 Sq Ft

📍 25 Coquina Ave, St. Augustine, FL 32080

Co-listed with partner .

Davis Shores is one of St. Augustine's most loved neighborhoods, and homes like this are a great example of why.

Want to learn more about homes in Davis Shores? Reach out anytime. ⬇️

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com
📍 Davis Shores, St. Augustine, FL

10/26/2026

Your front porch is the first thing guests (and buyers!) see. A few simple updates can make it feel warm and welcoming all season long. 🍂

Here's how to give it a quick fall refresh:

🚪 Refresh the front door

A fresh coat of paint in a rich color like navy, deep green, or classic black instantly makes the entrance stand out.

🌼 Add seasonal blooms

Planters with mums, marigolds, or other fall colors bring life and warmth to the space.

🍁 Swap the doormat and wreath

A new doormat and a simple seasonal wreath are small touches that make a big first impression.

💡 Light it up

Warm-toned bulbs or string lights make the porch feel cozy on cooler evenings.

🧹 Tidy the details

Sweep the walkway, clear out cobwebs, and update your house numbers for a clean, polished look.

Whether you're settling in for the season or thinking about listing, curb appeal always makes a difference.

Which update would you try first? Tell us in the comments! 👇

Thinking about selling and want your home to shine? Reach out anytime.

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com
📍 Jacksonville, FL

10/25/2026

Honestly… I’m a little all over the place these days. 😂

On paper, I’m 49.

At the gym, I’m 35.

After 8 p.m., I’m 95.

And with my friends… probably 12.

But somewhere along the way, I realized something:

I really like the woman I’ve become.

I’m proud of what I’ve accomplished.

Proud of the business I’ve built.

Proud of the life my family and I have created.

And even more than that, I’m incredibly grateful for the people around me.

A husband who supports me.

A family who loves me.

Friends who cheer me on, laugh with me, and remind me not to take life too seriously.

I don’t feel like I have everything figured out. I’m still learning, growing, changing, and occasionally wondering what the heck I’m doing. 😂

But I also don’t feel the need to become someone else.

Maybe that’s one of the best parts of getting older.

You know what matters.

You know who matters.

And you become a little more comfortable being exactly who you are.

So yes…

I’ll be the dork.

I’ll laugh too loud.

I’ll dance.

I’ll take the silly picture.

I’ll play with my kid.

I’ll keep chasing big goals.

And I’ll probably go to bed early because apparently 8 p.m. is now late.

49 feels pretty good.

Not because I have it all figured out…

but because I have a lot to be grateful for. ❤️

10/24/2026

A good showing weekend isn’t about seeing as many houses as possible. It’s about seeing the right ones. 🏡

Before any showing gets scheduled, the plan starts with the big picture: what you actually need, what would be nice to have, where you’re willing to compromise, and what’s completely off the table.

From there, the options get narrowed down by:

📍 Location

💰 Budget
🏠 Property type
🛏️ Bedroom and bath needs
🔧 Condition and possible updates
⏱️ Commute and lifestyle

Next, the homes get grouped by area, so the day isn’t spent zigzagging across town. Less time in traffic means more time actually looking at homes.

The first house you see often won’t be the one, and that’s okay. It sets a baseline. Once you’ve walked through a few homes, it gets much easier to see what really matters to you.

The schedule also leaves breathing room: time to talk through what you saw, go back to a favorite, grab lunch or add a new listing that just hit the market.

The goal isn’t to convince anyone to like a house. It’s to help you figure out which home actually makes sense for you. 💛

Getting ready to start your home search? Send a message to plan a showing day that works for you.

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com

📍 Jacksonville, FL

10/23/2026

Florida winters may be mild, but a few quick fixes now can keep your home comfortable and running smoothly when the cooler nights roll in. 🍂

Here are three easy ones to knock out this weekend:

🚪 Check the weatherstripping

Feel for drafts around doors and windows. If the seals are cracked or worn, replacing them is an inexpensive fix that helps keep warm air in and energy bills down.

🌬️ Change the HVAC filter

A fresh filter helps your system run efficiently as you switch from AC to heat. It's also a good time to test your heat before you actually need it.

🍂 Clean out the gutters

Leaves and debris can build up fast. Clear gutters help rainwater flow away from your home and protect your roof and foundation.

Small fixes like these help protect your home's value over time, whether you're settling in for the season or getting ready to sell.

Which one is on your to-do list this weekend? Tell us in the comments! 👇

Thinking about buying or selling this season? Reach out anytime.

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com
📍 Jacksonville, FL

10/22/2026

Looking for fall weekend plans? These family favorites around Northeast Florida are too good to miss. 🍂

🎃 Amazing Grace Family Farms
📅 Fridays & Saturdays through October
🕒 Fri 4 PM–9 PM · Sat 10 AM–9 PM
📍 4251 State Road 21, Green Cove Springs

🎟️ Tickets online at agcropmaze.com
A twisty crop maze, pumpkin house, pumpkin patch, farm animals, sunflower and zinnia fields, and funnel cakes.

🌽 Sykes Family Farms
📅 Fridays, Saturdays & Sundays through Nov. 1
📍 Elkton, FL

A classic fall festival with a challenging corn maze, hayrides, a cow train, and a kids play area.

🎨 Riverside Arts Market
📅 Every Saturday
🕒 10 AM–3 PM
📍 715 Riverside Ave., Jacksonville (under the Fuller Warren Bridge)
🎟️ Free to browse

Local art, handmade goods, fresh produce, food trucks, and live music by the river.

👻 Jacksonville Zoo Spooktacular
📅 Oct. 22–25 & Oct. 29–31
🕒 6 PM–9:30 PM
📍 370 Zoo Pkwy., Jacksonville
🎟️ Advance tickets $35 ($25 for members) · Kids 2 and under free

Glowing pathways, a 400-foot light tunnel, and trick-or-treating along the trail, plus an optional scare zone for the brave.

Which one is your family heading to first? Tell us in the comments! 👇

Looking for a home close to all the fall fun? Reach out anytime.

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com
📍 Jacksonville, Green Cove Springs & Elkton, FL

10/21/2026

Every mortgage payment is doing more than keeping a roof over your head. 🏡

Home equity is the part of your home you truly own: your home's value minus what you still owe on your mortgage. For example, if a home is worth $350,000 and $300,000 is left on the loan, the owner has $50,000 in equity.

Equity grows in three main ways:

💰 Paying down your loan: each monthly payment chips away at the balance. Early on, more of each payment goes to interest, but over time more of it goes toward the principal.

📈 Home value growth: when home values in your area rise, your equity grows too, without you doing a thing. Values can also dip, which is why homeownership is usually a long-term play.

🔨 Smart improvements: updates like a refreshed kitchen or new roof can add value to your home.

Over the years, that equity can help with your next move, a future investment, or long-term financial goals.

Curious how much equity you've built in your home? Reach out for a free home value check. ⬇️

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com
📍 Jacksonville, FL

10/20/2026

Same kitchen. Completely new feel. ✨

Swipe to see the before and after of this kitchen transformation from one of our listings. [Optional: New cabinets, updated countertops, and brighter lighting] turned this space into the kind of kitchen buyers can picture themselves cooking, gathering, and making memories in.

The kitchen is often the heart of the home, and the right updates can make a big difference in how a home feels and how buyers respond to it.

Which do you love more, the before or the after? Tell us in the comments! 👇

Thinking about selling and wondering which updates are worth it? Reach out anytime.

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com

10/19/2026

Still think you need 20% down to buy a home? Let's bust that myth for good. 🚫

Twenty percent down is one option, not the rule. Plenty of buyers get into a home with much less, depending on the loan that fits them best:

🏡 FHA loans: as little as 3.5% down for qualified buyers

🏡 Conventional loans: as little as 3% down for qualified buyers (PMI applies when you put down less than 20%)

🏡 VA loans: 0% down for eligible veterans and service members

🏡 USDA loans: 0% down for eligible buyers in qualifying areas

Down payment assistance programs are also available in Florida for buyers who qualify, which can help cover upfront costs.

Every buyer's situation is different, and the right loan depends on your credit, income, and goals. The first step is a conversation with a trusted lender.

Ready to find out what you actually need to buy? Reach out anytime. ⬇️

☎️ 704-280-7277
📩 [email protected]
👩🏻‍💻 khristivee.com
📍 Jacksonville, FL

Address

4549 Southside Blvd Suite 101
Jacksonville, FL
32216

Website

http://khristivee.com/

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