Teaming with Tony

Teaming with Tony I am S Tony Rutkowski. I am your neighbor. I am your friend. I am your Realtor.

Progress doesn’t look the same for everyone—and that’s okay. 🏡✨Whether you’re saving for your first home, preparing to s...
08/17/2026

Progress doesn’t look the same for everyone—and that’s okay. 🏡✨

Whether you’re saving for your first home, preparing to sell, moving to a new community, or simply figuring out what comes next, honor your own pace.

Your journey doesn’t have to look like anyone else’s to be successful.

Take the next step when you’re ready. I’ll be here to offer Truth. Advise. Connections. every step of the way.

Still renting? 🏡That doesn’t have to be your forever story.Many people believe homeownership is out of reach, but with t...
08/05/2026

Still renting? 🏡

That doesn’t have to be your forever story.

Many people believe homeownership is out of reach, but with the right plan, it may be closer than you think. Whether you’re wondering how much you can afford, what programs are available, or where to begin, I’m here to help you every step of the way.

The journey from renter to homeowner starts with one conversation. Let’s build a plan that fits your goals and turns the dream of owning a home into reality.

📩 Send me a message today and let’s take that first step together!

08/03/2026

Success isn’t about never failing—it’s about refusing to quit.

Every setback is an opportunity to learn, grow, and come back even stronger. Whether you’re working toward buying your first home, selling your current one, or chasing a personal goal, persistence is what turns dreams into reality.

As Winston Churchill said:
“Success is walking from failure to failure with no loss of enthusiasm.”

Keep moving forward. Your next breakthrough could be one step away.

🏖️ If you’re thinking about making a move in Jacksonville or Northeast Florida, I’m here to help you every step of the way.

📩 Send me a message when you’re ready to start your journey.

07/31/2026

🏡 Thinking about buying a home in Northeast Florida? Start here.

Buying your first home doesn’t have to feel overwhelming. Whether you’re just beginning to save, wondering how much home you can afford, or ready to start touring properties, having the right Realtor by your side makes all the difference.

My Home Buying 101 Guide walks you through the process—from choosing the right lender and getting pre-approved to making an offer and closing with confidence.

If you’re looking to buy a home in Jacksonville, Atlantic Beach, Neptune Beach, Jacksonville Beach, Ponte Vedra, or anywhere in Northeast Florida, I’m here to guide you every step of the way.

📩 Comment “GUIDE” below or send me a DM, and I’ll send you your FREE Home Buying Guide today!

Truth. Advise. Connections.

07/29/2026

🏡 Think you need 20% down to buy a home? Think again!

One of the biggest myths in real estate is that you need a large down payment to become a homeowner. The truth is, many buyers qualify for down payment assistance programs, low down payment loans, or even 100% financing.

Whether you’re:
✅ Buying your first home
✅ Purchasing again after owning before
✅ Wondering if you qualify for assistance

You may have more options than you realize!

If you’ve been waiting because you thought homeownership was out of reach, let’s have a conversation. I’ll help you explore your options and connect you with trusted lenders to see what programs may be available.

📲 Call or text me at 770-634-0091 and let’s see what you qualify for!

🌅 Motivation MondayEvery sunrise is a reminder that yesterday doesn’t define today.No matter what happened last week, to...
07/27/2026

🌅 Motivation Monday

Every sunrise is a reminder that yesterday doesn’t define today.

No matter what happened last week, today is your opportunity to begin again. Take the first step, embrace the challenges ahead, and keep moving toward the life you want. Small, consistent actions create extraordinary results over time.

✨ Every day is a fresh start. Make today count.

👇 What’s one goal you’re committing to this week? Share it in the comments—I’d love to cheer you on!

❄️ Flashback Friday ❄️Some memories stay with you forever...On December 25, 2025, I stepped completely outside my comfor...
07/24/2026

❄️ Flashback Friday ❄️

Some memories stay with you forever...

On December 25, 2025, I stepped completely outside my comfort zone and jumped into the freezing waters of Antarctica. 🌎🥶

It lasted only a few seconds, but the experience—and the feeling of accomplishing something I never imagined possible—will stay with me for a lifetime.

Here are a couple of photos from one of the coldest, craziest, and most unforgettable adventures I’ve ever had.

Would I do it again? Absolutely. 💙

What’s the most adventurous thing you’ve ever done? Tell me in the comments!

07/23/2026

💰 Buying a home? Don’t forget about closing costs!

Many buyers spend months saving for a down payment, only to be surprised by closing costs at the finish line.

Closing costs can include:
🏡 Loan fees
📋 Title and escrow services
🛡️ Homeowners insurance
📑 Property taxes
🔍 Home inspections and appraisals

The good news? Depending on the market and the terms of your contract, sellers may be willing to help pay a portion of your closing costs through negotiated concessions.

The more you know before you start your home search, the more confident you’ll feel when it’s time to make an offer.

If you’re thinking about buying a home in Northeast Florida, I’d be happy to answer your questions and help you understand every step of the process.

📩 Send me a message today—I’m here to help make homeownership easier to understand!

07/22/2026

🏡 Think you need 20% down to buy a home? Think again!

For qualified buyers, 100% financing may be available, making homeownership more attainable than you might think.

✨ Featured Home:
📍 10114 Haverford Rd., Jacksonville, FL 32218
🛏️ 3 Bedrooms
🛁 1 Bathroom with dual sinks
📐 1,218 Sq. Ft.
🏠 Updated kitchen, remodeled bathroom, and a durable metal roof.
💰 PLUS: The seller is offering $5,000 toward your closing costs with a full-price offer!

If you’ve been renting because you thought buying wasn’t within reach, let’s have a conversation. I’ll connect you with a trusted lender to see what programs you may qualify for.

📲 Send me a message with the word “HOME” or comment below, and I’ll show you your options!

Financing is available for qualified buyers. Loan approval and program guidelines apply.

07/21/2026

🏡 Think you need a large down payment to buy a home? Think again!

Qualified buyers may be eligible for 100% financing, making homeownership more attainable than ever. If you’ve been waiting because you thought you needed thousands of dollars upfront, now is the perfect time to explore your options.

Every buyer situation is unique, and I’d be happy to help you determine which financing programs you may qualify for.

📲 Ask me how! Let’s discuss your homeownership goals and take the first step toward finding your next home.

Address

BHHS Florida Network Realty 375 Atlantic Boulevard, Suite 1
Atlantic Beach, FL
32233

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 9am - 5pm
Saturday 8:30am - 5pm
Sunday 12pm - 4pm

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