Sunday, December 30, 2012
Homes for SALE in Gulf Breeze Florida Zip 32563 & 32561
Are you looking for homes in Gulf Breeze Florida? Look no more CLICK HERE to see homes for sale in Zip Code 32563 and 32561. There is still time to find a great home.
December Statistics for Pensacola Residential Homes
Homes for sale in Pensacola Florida FL. The numbers are interesting! As of today December 30, 2012. There are 286 Residential homes pending closing for an average price of 135,150. There are 2,649 Active Residential homes FOR SALE for an average price of 159,900. New homes on the market from 12/1/2012- 12/30/2102 is 313. If you are looking to put your home on the market call a Real Estate Professional to serve all your Real Estate needs "The Harmon Murphy Group". Diane Harmon and Preston Murphy have now teamed up. As two professional agent's we bring allot to the table with a proven track record of getting homes SOLD. Call today for your home market analysis. We look forward to speaking to you soon. CLICK HERE to view our site.
Tuesday, December 25, 2012
Friday, December 14, 2012
Underwater homeowners BE AWARE
There was a new article out by the National Association of Realtors Realtor Magazine where there is some shady business going on with homeowners who are under water in their mortgage. You can click here to see the article. If you are uspdie down on your mortgage or about to be or are behind and have missed payments already or maybe you have not paid your mortgage in 12 months or more. Call me today at 850-232-5854. Or you can log onto my website by clicking here now.
Thursday, December 13, 2012
Homes for Sale in Gulf Breeze FLORIDA
Great homes for sale in Gulf Breeze, Florida. Minutes to the BEACH and some of the best schools in Santa Rosa and Escambia County. Click anywhere on this link to see all homes in Gulf Breeze. Call me today to see homes in Gulf Breeze. Diane Harmon 850-232-5854
Tuesday, December 11, 2012
Monday, December 10, 2012
Friday, December 7, 2012
Wednesday, December 5, 2012
What to do to get your home ready to put on the MARKET?
If you listen to the news you hear that home prices are beginning to come up somewhat. Well that depends on the state you live in. In Pensacola there is currently 2,665 residential homes on the market for sale. There are 313 homes pending closing. The average days on the market are 233 and the median listing price is $160,000. So what is next if I am ready to list my home and get it on the market? One of the first things is to decide what is your motivation to sell your home? Maybe you are moving to another state to be near children and grandchildren? Maybe you are going to another duty station and have to sell. Maybe you just want to up-size or downsize. So whatever your motivation this will determine how effective you will price your home. Remember as a Real Estate Professional the MARKET determines the price of your home. You as the homeowner have the biggest job. You say well your the real estate agent what do I have to do with it? Well number one you have to have a home that shows like a model home. So you have to pack up and de-cluttered. If you have an repairs that need making like wood rot at the back door then proceed to get this done instead of putting it off. If the walls need touching up with paint then do this. The better the home shows the better the pictures and videos for YouTube will be and the more visitors you will have viewing your home online. Remember 80%+ of the buyers are no online shopping for a home from Japan to New York or right here in Pensacola. Next you will choose the price with the help of your Real Estate Professional based on sold comps for you neighborhood or area near your home. Remember price is what will sell your home along with location and school districts. Most sellers want to start higher and then they will end up following the market all the way then 6 months later be mad at their Realtor for not selling their home when in fact they are the one who will not justify pricing the home to sell. If you will price it effective in the beginning when it is first listed then you have the best chance of selling your home. Priced just under sold comps will make your home stand out among all the others bringing sometimes more than one offer in the shortest amount of time. You the homeowner set the stage. REMEMBER the buyer is looking for the BEST VALUE. So sometimes they will take a home with less SF or less yard if the value is better. Using a Realtor who takes allot of pictures it key. The maximum allowed in the MLS is 25 pictures. But the more pictures you have the more views you will get. I take sometimes as many as 35-50 pictures depending on the home and I download all pictures into a slideshow of your home which is placed in the MLS.. So now you have maximum exposure to those viewing your home. I take a YouTube video of your home and put in the MLS as well. Exposure this is what you need in today's' high tech world. So for a recap, a home that shows great, great pricing and great photos with a home that shows like you a model. As a Real Estate Professional it is my job to market your home, prospect for buyer's for your home and market your home to other agents so they will bring their buyer's to see YOUR home. I will negotiate the sale of your home so you get the maximum amount of money the market will bear. Log on to my web-site HERE and check it out and if you want a home analysis I will be happy to prepare this for you. However I am available to meet with you at any time.
Monday, December 3, 2012
Thursday, November 29, 2012
Pending HOMES SALES rise in the South per Realtor.com
Pending homes sale on the rise per Realtor.com com. Especially in the SOUTH. Great news. Home prices are great, interest rates are great. Now is the time to buy a home. Why rent when you can purhcase a home for the same amount of money? Log on HERE to see homes for sale in Pensacola, Florida and surrounding areas.
Tuesday, November 27, 2012
Monday, November 26, 2012
Thursday, November 22, 2012
Wednesday, November 21, 2012
Sunday, November 18, 2012
Great home for SALE in FOX RUN with Screened Pool
I am looking for a great home can you help me out? A great home for sale in Fox Run with screened pool. Click here to watch the video and then click here to see the home and all the details.
Saturday, November 17, 2012
WHAT IS THE DIFFERENCE IN A SHORT SALES AND FORECLOSURE?
I WANT TO KNOW MORE ABOUT SHORT SALES AND FORECLOSURES. WHAT IS THE DIFFERENCE BETWEEN A SHORT SALE AND A FORECLOSURE? CAN I GET A LOAN WITH A FORECLOSURE? HOW LONG DOES A SHORT SALE TAKE? WILL THE BANK TAKE LESS MONEY FOR A FORECLOSURE THAN THE LIST PRICE? WATCH THIS VIDEO FOR MORE INFORMATION ON SHORT SALES AND FORECLOSURES!
Click on this link to view short sales and foreclsoures in Pensacola, Florida. Bargin homes for SALE in Florida.
Are you upside down on your MORTGAGE? What now..
Are you UPSIDE down on your mortgage? So the answer is what now? What if I have not paid my mortgage in 3 months? What if I have not missed a payment yet can I do a short sale? When I call me lender I get the run around. I need help and I don't know where to turn. Can anyone out there help me? The answer is yes. The new Fannie and Freddie rules effective November 1 will approve short sales for borrowers who can document specified hardships: the death of a borrower or co-borrower, divorce or legal seperation, illness or disability, or a move of more than 50 miles to get a new job. For these borrowers you will not have to get approval FIRST which should speed up the process. Log on here www.dianesellspensacolahomes.com I can help you. Call today and as a short sale specialist and certified CDPE I can help you.
Wednesday, November 14, 2012
Short Sales ~ CDPE Certified Learn the latest form ~ Fannie and Freddie
New guidelines for Short Sales. Hopefully they will take less time and the process can start before you are deliquent on payments. As a Realtor who has closed allot of short sales I am now hoping especially for our MILITARY who are be based to another duty station and is under water can start the short sale process before they move and become deliquent.
If you don't know a short sale, a home is sold for less than the amount owed and the lender generally agrees to forgive the remaining balance. They can send you a 1099 and tax you on the difference of what is owed and what they agree to accept in the short sale.
Today, Fannie and Freddie approve short sales only for borrowers who are delinquent on their payments.
Under the new rules, Fannie and Freddie will approve short sales for borrowers who can document specified hardships: the death of a borrower or co-borrower, divorce or legal separation, illness or disability, or a move of more than 50 miles to get a new job. For borrowers who meet these rules, servicers will not have to get approval from Fannie Mae or Freddie Mac before approving the short sale, which should speed up the process. Borrowers who are current on their payments and unemployed might qualify for a short sale, but it would need to be approved by Fannie or Freddie; servicers couldn't do it automatically.
Fannie and Freddie also will expedite short sales for borrowers who are at least 90 days delinquent on their payments and have a Fico credit score below 620. These borrowers will no longer have to document a financial hardship, and servicers will no longer have to get approval from Fannie or Freddie.
If there is a second mortgage on the home, the owner of the second mortgage must agree to the short sale before it can go through. They often will in exchange for a payment, but the negotiation takes time. To speed it up, under the new rules, servicers can offer a flat, take-it-or-leave-it payment equal to 100 percent of the second mortgage up to $6,000. They can't ask homeowners to kick in more.
If you have questions on short sales or need assitance in doing a short sale log on to my website at www.dianesellspensacolahomes.com.
Saturday, November 10, 2012
Homes for Sale in Pensacola, Florida, Florida Real Estate
Great home for sale in Pensacola, Florida 1312 Houndchase Cir in FoxRun Sub-division. Three bedroom, 2 bathrooms, Atrium, Bonus room, outdoor atrium, study/office with french doors, two-sided fireplace and a fireplace in the master bedroom. In ground screened pool and two large decks that are screened in as well solar heated. Great home. Just click anywhere to see the youtube video of the home. You can click here to see all homes for sale in Pensacola, Florida.
Thursday, November 8, 2012
Wednesday, November 7, 2012
Tuesday, November 6, 2012
Saturday, November 3, 2012
MORTGAGE INSURERS WON'T STAND IN THE WAY OF SHORT SALES
Friday, November 2, 2012
First Time Homebuyer Program in Pensacola, Florida- Real Estate for Sale in Florida
First Time homebuyer program. Watch this short video that gives you all the details then log on to my website at www.dianesellspensacolahomes.com or call me direclty at 850-232-5854. Let's start your seacrh for that new home today. See you soon. Diane
Sunday, October 28, 2012
For Sale 22 E. Gonzalez St in Historic North Hill in Pensacola, Florida
Home for Sale in Historic North Hill. Click to see the video. 22 E. Gonzalez St. Pensaocla, Florida just reduced to 185,000. log on to www.dianesellspensacolahomes.com to see all homes in Pensacola, Florida and surrounding areas.
Saturday, October 27, 2012
Acreage for sale on Chestnut Road in Molino, Florida
Great 5 acre parcel that is wooded on Chestnut Road in Molino, Florida for sale. I have sold all parcels with one left. Discounted price to close out this hugh parcel. Log onto my website at www.dianesellspensacolahomes.com.
Watch this video to view the land up close.
http://www.youtube.com/watch?v=9Ij5ttxxxb4
Five Acres for Sale in Molino, Florida on Hwy 196
Five Acres for sale of wooded pines on Hwy 196 in Molino, Florida. Log on to www.dianesellspensacolahomes.com.
Watch this youtube video for a view of the land.
http://www.youtube.com/watch?v=rHlA8Uv_kRk
Buying or Selling a home in Pensacola, Florida
Watch this short youtube video about buying or selling a home. Then log onto my website at www.dianesellspensacolahomes.com.
http://www.youtube.com/watch?v=tB9UFTNad8c&feature=plcp
Friday, October 26, 2012
Youtube Video on Buying or Selling a home in Pensacola, Florida
If you are looking to buy or sell a home watch this short Youtube video about buying or selling a home.
http://www.youtube.com/watch?v=tB9UFTNad8c&feature=plcp
Diane Harmon, Realtor
Keller Williams Realty Gulf Coast
850-232-5854
Friday, October 19, 2012
TIPES ON STARTING A BIDDING war on your LISTING!
This is great information and it does work. I really wish more sellers would take this advice becasue it does work and gets your home SOLD in record time.
"TIPS ON STARTING A BIDDING WAR ON YOUR LISTING" Click on the link
Call Diane Harmon for all your Selling and Buying Real Estate needs. Log onto my site at www.dianesellspensascolahomes.com
Great HOME in North Hill near Downtown Pensacola
Truly a masterpiece in Historic North Hill. This home is within walking distance to downtown historic Pensacola and minutes to enjoy outings like Jackson's Restaurant, New York Nicks, Helen Back, Sanger Theater, the Blue Wahoos games and so much more. A historic style home that is affordable much like the homes in Argon Court but without the Argon Price. This home is a must see with the architectural style of New Orleans. Everything about this home speaks style and excellence. You can live in a fabulous historic neighborhood and enjoy the downtown lifestyle, while paying a fraction of the price for a similar home in Aragon Court. This home has Old World charm but with the efficiency and reliability of new construction. From the time you step upon the spacious front porch you will be drawn into a home with 10-foot ceilings, large wood cased windows, 6" baseboards, gorgeous stained concrete floors, recessed lighting and light fixtures with charm and upgraded cabinets in the kitchen. The first floor has an open floor plan and generously sized kitchen that is perfect for entertaining. French doors that lead to a quaint patio area for enjoying the evenings outside. The master bedroom and master bath are downstairs with a walk in closet. The additional two bedrooms are upstairs with a full bathroom that separates each bedroom. The additional bedroom that faces the street has a balcony for sitting in the evenings that overlooks Longhollow Park that features a playground, meditation garden, and an a collection of outdoor artwork, North Hill neighborhood gatherings, and downtown dining, night life, shopping, parades, and festivals that are all within walking distance. This home offers easy access to I-10, Navy Bases like NAS, Corry Station, VA Hospital, hospitals like Sacred Heart, Baptist and Andrews Institute in Gulf Breeze and Pensacola Beach. You really must come see this great home that was built in 2003. A very efficient home but with historic charm. Start enjoying the great life today. FEATURES INCLUDE: Wired for surround sound and speaker ready, security system, recessed lighting in the kitchen and on the upper balcony, stained scored concrete front porch, new outside light fixtures are being installed, the master bedroom was just painted, lavish landscape with palm trees and great landscaping package, tons of light that flood this home with windows everywhere, 2" faux blinds, classic colors inside and outside the home, stainless steel appliances, including built-in microwave, dishwasher, disposal, refrigerator, and smooth surface electric stove. Custom cabinets with lazy susan corner cabinet and updated classic hardware, under counter lighting in the kitchen. There is under staircase storage, gutters on the home, iron fence in the backyard for your pets, storage building, carpets were just cleaned, additional bedrooms upstairs have vaulted ceilings and ceiling fans and nice closets. Don't forget all the windows upstairs and the balcony that overlooks the park. The home is almost maintenance free with vinyl siding. There is parking behind the home with a shared drive way and parking on the street if needed. THE LIGHT FIXTURE OVER THE KITCHEN SINK IS BEING CHANGED OUT WITH A SIMILAR LIGHT FIXTURE. Call for your showing of this great home.
Full Details
Listing Courtesy of DIANE HARMON, KELLER WILLIAMS REALTY GULF COAST
Thursday, October 18, 2012
Looking to Buy or Sell a HOME in Pensacola, Florida?
Watch this video http://www.youtube.com/watch?v=tB9UFTNad8c&feature=plcp
on buying or selling a home in PENSACOLA, FLORIDA created by Diane Harmon, Keller Williams Realty Gulf Coast. You can email me directly at dharmon1971@gmail.com or log on to my website at www.dianesellspensacolahomes.com
Wednesday, October 17, 2012
Homebuilders Grow More Confident About Recovery
Homebuilders Grow More Confident About Recovery
Daily Real Estate News | Wednesday, October 17, 2012
Builder confidence inched slightly higher in October, bringing it to its strongest level since June of 2006, according to the National Association of Home Builders/Wells Fargo Housing Market Index. The October gain also marks the sixth consecutive month for increases in the index, which measures builder confidence about the direction of the new-home market.
"Many builders are reporting increases in the number of serious buyers visiting their sales offices, and the overall confidence measure is much higher than it was at this time last year," says Barry Rutenberg, NAHB Chairman.
The monthly index measures builder perceptions of current single-family home sales, sales expectations, and buyer traffic.
While builders’ confidence about the recovery continues to improve, housing experts say there are still several challenges ahead for the new-home sector.
"The slight gain in builder confidence this month is an indication that, while still moving forward, the speed at which the housing recovery is proceeding is being moderated by the various constraints such as tight credit, difficult appraisals and more recently, the limited inventory of buildable lots in certain markets," says David Crowe, NAHB chief economist.
Source: National Association of Home Builders
So you want to buy a home? What is my first step
So you have decided now is a great time to purchase a home. Interest rates are at all time lows (under 4%) and you are tired of throwing your money down the drain renting. So what is my NEXT STEP?
Call a Real Estate Agent who will refer you to some great local lenders in Pensacola. Once you are approved then your serach can begin. You need to know first if you qualify for a loan, how much you qualify for and the most important how much you want to spend each month. Never start looking at homes until you know you can actually buy a home. If you find that perfect home only to find out it is out of your budget then you will just give up searching.
You can search online until you are blue in the face. Then finally you see that perfect home 2500 SF 4 bedrooms 3 bathrooms all brick for 120,000. What a steal so you pick up the phone and call a Real Estate agent to go see the home. Only to find out it is a short sale with tons of wood rot, not to mention no flooring throughout the house. So I don't understand why I can't buy this home Ms. Realtor. Well the fact is with short sales and foreclosures they are sold strictly AS-IS. You as a buyer will say well my husband and I are handy and we can do all the repairs ourselves. Wrong again. This is the most important part. If you are getting a loan then your lender will ask you for your appraisal money between 400-475.00 once you have a binding contract between the seller and the buyer. The appraiser will never pass a home with wood rot, broken windows, no flooring, no A/C and the list goes on. It is important to have a knowledgeable Real Estate agent you will guide you in the right direction and through the entire process. Remember homes with aluminum wiring cannot be insured, homes with roofs that have less than a 5 year life span cannot be insured. All very important issues; when purchasing a home. Now there are homes that are in foreclosure that are in great shape and the bank has actually already made the necessary repairs to get the home SOLD. Call a Real Estate Agent with a proven track record TODAY and let's start your search. CLICK HERE to Log on to my web-site now to search for homes and then call me to discuss purchasing a home, getting approved for a loan and to view homes for sale. I look forward to meeting all your Real Estate Needs. See you soon. Diane
Tuesday, October 16, 2012
Saturday, October 13, 2012
TOP 200 AGENTS IN THE SOUTHEAST REGION Diane Harmon, Realtor Pensacola, Florida
DIANE HARMON NOW IN THE TOP 20O AGENTS IN THE SOUTHEAST REGION. WATCH THIS VIDEO FROM CHUCK ROBERTS, REGIONAL DIRECTOR FOR KELLER WILLIAMS REALTY. YOU CAN VIEW HOMES IN PENSACOLA, FLORIDA FOR SALE OR IF YOU NEED SOMEONE TO LIST YOUR HOME FOR SALE CALL DIANE HARMON, REALTOR, KELLER WILLIAMS REALTY GULF COAST.
Wednesday, October 10, 2012
FIRST TIME HOMEBUYER PROGRAM 4.00%
There is a new 4% CASH GRANT paying up to 6,000 toward downpayment and closing cost assistance. Includes Escambia and Santa Rosa Counties. WHO QUALIFIES?
Borrowers must be first time home-buyers who have not had a present ownership in their principal residence during the past three years.
Borrowers must meet normal mortgage requirements to demonstrate credit worthiness.
Borrowers must have a minimum 640 FICO score to participate.
Borrowers must occupy the purchased home as their principal residence.
Qualified Veterans or homebuyers purchasing a property in a designated targated area do not need to be first-time homebuyers.
Household income may not exceed the following limits within Escambia County
MAXIMUM INCOME LIMITS
FAMILY OF 1-2 71,040
FAMILY OF 3 OR MORE 82,880
Log on here to watach a short youtube videow about this program and search for homes. Call me today and lets get started finding you a great home. There is never a charge for my services.
Tuesday, October 9, 2012
Monday, October 8, 2012
Diane Harmon's Blog on the Pensacola Panhandle and homes in Greater Pensacola: Homes near NAS and CORRY Station PENSACOLA, FL
Diane Harmon's Blog on the Pensacola Panhandle and homes in Greater Pensacola: Homes near NAS and CORRY Station PENSACOLA, FL: Homes for sale near NAS and CORRY Station and VA Hospital between 125,000 - 300,000 . Great homes for Sale in Pensaocla, Florida. Military a...
Homes near NAS and CORRY Station PENSACOLA, FL
Homes for sale near NAS and CORRY Station and VA Hospital between 125,000 - 300,000. Great homes for Sale in Pensaocla, Florida. Military and VA Specialist. Call and agent who knows the area and will get all your closing cost paid. VA 100%.
What Buyer's NEED to know when buying a HOME
I had a talk with a buyer today who made an offer with THE LISTING AGENT. She said she was told you always want to work with the agent who has the home listed for sale? I said REALLY well who is the listing agent working for? THE SELLER. Now I will say there are agents who list and sell their own propeties. Most of the time other agents sell our listings. Just like a builder or site manager who are they working for THE BUILDER. HIRE YOUR OWN AGENT. THERE IS NO COST TO YOU as a buyer. The agent is paid by the seller. Interview agents, ask questions to see how well they know the area and the market. See if they are a Pensacola native (like me) someone who knows the area and has lived here. You want the best area for the best resale value. You want the best schools for your children. This is one of the most important decisions of a lifetime for some people. If you are military you need an experienced agent who knows the value of homes and great resale when it comes time to move in 3-4 years. Are you being stationed at NAS Pensacola, Florida or Corry Station, the VA Hospital or maybe Whiting Field in Milton, Florida. Call an agent with experience, an expert in their field and someone who has YOUR best interest at heart. Call Diane Harmon, YOUR Pensacola, Florida Real Estate agent for LIFE. Log on today to search for homes at www.dianesellspensacolahomes.com or call or text me anytime.
Wednesday, October 3, 2012
BARGINS Short Sales and Foreclosures in Pensaocla, Florida
BARGINS in Pensaocla, Florida and Surrounding areas. Short Sales and Foreclosures. Now is the time to buy that perfect home at a BARGIN. Call me today.
Tuesday, September 25, 2012
Market Analysis in Downtown Pensacola, Florida ZIP 32501
Markety Analysis for homes in Downtown Pensaocola, Florida Zip Code 32501. Historic homes in Downtown Pensacola.
Monday, September 17, 2012
Home on 8 ACRES for SALE under 136,000
This is a great home for sale in Walnut Hill, Florida. Move in ready on 8 acres. Pasture already fenced in for your horses or cows. Bargin price for the right buyer. Make this your next home.
Great home in HISTORIC NORTH HILL, Pensacola, Florida
Great Historic Home in Downtown Pensacola in NORTH HILL. A must see home close to parks, beaches, shops, dining, and so much more.
Thursday, September 13, 2012
Stonechase "A GATED COMMUNITY" homes for SALE
Homes for Sale in Stonechase "A GATED COMMUNITY". Great schools and live in a country setting while being close to everything. New Construction in Pace, Florida
Homes for Sale in CANTONMENT, FLORIDA
Homes for Sale in CANTONMENT,FLORIDA. Time to buy a home before the end of the year and file your homestead exemption. Call me and let's start your search.
Tuesday, September 11, 2012
Do you need TO SELL YOUR HOME?
Do you need to SELL YOUR HOME in Pensacola, Florida. Maybe you need to relocate or receiving orders to a different duty station or just want to move closer to family. Maybe you are not sure how the market is doing and just need to talk to a Real Estate Professional. This will allow you to get information about a possible move and to see what the MARKET is saying YOUR HOME IS WORTH. Remember I do not make the market I only interput the market. Call me today and let's see what we can do to get your home on the market and SOLD. Call Diane Harmon, Keller Williams Realty Gulf Coast VISIT MY WEBSITE HERE.
http://www.youtube.com/watch?v=tB9UFTNad8c&feature=youtu.be
Monday, September 10, 2012
Homes in Pace, Florida between 125,000-200,000.
Homes for SALE in PACE, FLORIDA between 125,000-200,000. Now is a great time to purcahse a home. Move to Pace. Great schools for your children and close the Whiting Field.
Homes for SALE in Pensaocla between 125,000-200,000
HOMES for SALE in Pensacola between 125,000 and 200,000. Call me today and let's get started finding you a home while interest rates are still great. Just in time to file your HOMESTEAD EXEMPTATION.
Saturday, September 8, 2012
GREAT Historic Home in Downtown Pensacola, Florida
Great home in HISTORIC DOWNTOWN Pensacola, Florida. Close to Historic Downtown Pensacola with shops, night life, Blue Wahoo ball games and so much more. Close to beaches and Naval Bases. Come enjoy your new life.
Homes for SALE near UWF in Pensacola, Florida
HOMES FOR SALE near University of West Florida in Pensacola, Florida. Near Target, Panarea Bread, Baptist Mdeical Center, Hopejacks and so much more.
Homes FOR SALE in Cantonment, Molino, Walnut Hill and McDavid, Florida
Homes for SALE in Cantonment, Molino, Walnut Hill and McDavid, Florida. Start enjoying COUNTRY living at it's best. Great schools IT IS TIME TO GET out of the rat race.
Wednesday, September 5, 2012
Great Home in ROBINS RIDGE in Pensacola, Fl
Great HOME for SALE in Robin's Ridge Sub Division. Short Sale but in mint condition, side entry garage, alarm system, all brick, built in 2008.
BARGIN-NEW HOMES in Lakes of Carrington PRICED TO SELL
These are great home in Lakes of Carrington in Cantonment, Florida. If you qualify for Rural Development loan you can get your 3.5% down payment rolled into your loan. The builder will pay most of your closing cost. Great School Districts. Country setting on LARGE lots.
NEW HOMES in Pace, Florida
Look here for NEW HOMES in PACE, Florida. Pace has great schools and many gated communites liks Stonechase and Stonebrook.
Friday, August 31, 2012
The Importance of getting PRE APPROVED for a Loan
Why get PRE APPROVED for a loan before you shop for a home. Get pre-approved here!
Looking to purchase a home?
Call a local expert it only takes a phone call to get approved for a loan and you need a local lender. Then call ME a local REAL ESTATE Specialist and a Pensacola NATIVE. Together we will start your home search and find a great home. There are several type loans.
1) Conventional you will need 20% down.
2) FHA you will need 3.5% down and we ask the seller to pay your closing cost.
3) VA which is 100% Financing. With VA the downpayment of 3.5% which is rolled into your loan and I get the SELLER to pay your closing cost.
4) Rural Development get 100% financing depending on your credit score and amount of money you make. You must buy a home located in Pace, Milton, Gulf Breeze (NOT Gulf Breeze Proper)Cantonment (north of 10 mile rd) or in Beulah and heading north in rural areas. Call me today and let's see what we can do to get you approved for a loan and find that home. I want to make "YOUR DREAMS A REALITY".
VIEW SHORT SALES AND FORECLOSURES in Pace, Florida
DO YOU NEED MORE INFORAMTION ON SHORT SALES AND FORECLOSURES? CALL ME.
SHORT SALE VS FORECLOSURE
"CDPE" Certified Short Sale Specialist
What is the difference in short sale vs a foreclosure
If you have found yourself behind on mortgage payments recently, chances are you have been anxiously debating your next step. Do you let the bank take the home back, hand them the keys, and ride off into the sunset, or do you think more creatively and consider other options? Rather than tossing the dice on your financial future, let's explore the difference between a foreclosure and a short sale.
Foreclosure: A foreclosure is the legal term used to describe how a note holder (your bank or lender) goes about stripping you of the title to your home. In the real world the process can take anywhere from a few months to well over six months from start to finish, depending on the type of financing instruments that were used to secure the debt. But losing your home is only the beginning. Once completed, depending on the borrower, a foreclosure can also result in a credit score reduction of 200-300 points. This means you will have a much more difficult time securing credit in the future when you wish to purchase a car, obtain lines of credit, or even get new credit cards. When you do find someone to give you a loan, be prepared to pay much higher interest rates. To top it off, if you are searching for a job, be aware that many employers conduct a credit check on new hires and a poor credit score can be used as a reason to toss your resume.
So if a foreclosure is so bad, what other option can a homeowner consider? Many homeowners use a short sale to avoid a foreclosure.
Short Sale: A short sale, sometimes known as a "pre-foreclosure sale", occurs when a bank agrees to accept less than what is owed on a home in order to avoid a foreclosure. Remember, lenders don't want to own your home. Because of this they will often accept a reasonable loss to avoid the costs and hassle of adding another home to their growing national inventory. Though a short stale will still hurt your credit score, it will be looked upon by future creditors far more favorably than a foreclosure. For instance, Fannie Mae recently adjusted their guidelines to require only a two year waiting period for sellers who used a short sale to purchase a new home. At the same time, they lengthened the waiting period for sellers who have fallen victim to a foreclosure to five years. Why the difference? A short sale is seen as a satisfaction of at least part of the debt, rather than a complete write down. In addition recent federal legislation, in most cases, has removed the burden of a tax liability for the forgiven debt on primary residences.
So which is better a foreclosure or a short sale?
Without question a short sale is almost always the best option. To explore using a short sale to sell your home, talk to a local agent, preferably one with experience in pre-foreclosure sales, and request a short sale package from your lender as soon as possible. Call me for a FREE appointment to discuss your options.
Wednesday, August 29, 2012
Tuesday, August 28, 2012
BUYING and SELLING a HOME What you need to know REAL ESTATE 101
DO YOUR AGREE there is allot you need to know when BUYING or SELLING a home. If you have a savy Real Estate Professional he or she will be quick to make you aware of any and all issues that may arise in buying or selling a home.
It is very important to have an agent who can walk you through each step of the process from listing your home to negotiations and getting your home through repairs and SOLD.
If you are a buyer we need to be sure you have been approved for a loan and to keep you within your budget when making a purchase. You do want to best value when making that purchase RIGHT? So bottom line buyer's want to best home for the best value. Seller's you need to be sure your home is PRICED TO SELL so that plenty of buyer's WANT YOUR home and not the home down the street. Pricing your home is the key.
The National Association of Realtor's say that a buyer will look at between 10-15 homes before making their decision. Best home for the best price makes the best sale.
See most agents do what I call the 3 P's. They place your home in the Multiple Listing Service, Place a sign in your yard and PRAY it sells. Well I do the other 2 P's. I price watch so that you are sure your home is always priced below and at market value. I mean you do want to sell your home RIGHT? Or do you want to follow the market always behind and when the 6 month listing has expired you wonder why your home did not sell. It is all about PRICING your home. The last P I do is I prospect for buyer's each and every day. See with Keller Williams we have tons of leads that come in every day. People looking to buy a home and I prospect for these buyer's every day looking for someone to buy your home. You do want to sell your HOME right?
Call me today and let's get that home on the MARKET and SOLD..
Buyer's what are you waiting on. Remember there is NEVER a cost for my services I am paid by the seller or builder. Who do you think the site agents are working for? The builder RIGHT so call me today and let's get sarted by getting you approved for a loan and finding that home while interest rates are still under 4%. Remember I can sell you any home with any sign in the yard. No matter which company has it listed for sale. Finding the RIGHT AGENT is KEY when finding a home.
BARGINS of the MONTH at PORTOFINO aT Pensacola Beach, Fl
BARGINS at Portofino on PENSACOLA BEACH,FLORIDA. The best views at Pensacola Beach.
HOMES FOR SALE in EAST HILL and NORTH HILL and DOWNTOWN Pensacola, Florida
HOMES FOR SALE in EAST HILL and NORTH HILL and DOWNTOWN Pensacola, Florida. Close to everything. Beaches, Blue Wahoos, Joe Patti Seafood, NAS Pensacola, Corry Station, VA Hospital and so much more.
ACREAGE FOR SALE IN Cantonment, Fl
ACREAGE FOR SALE in Cantonment area. People are jumping on the great prices of land. People are wanting out of the City and into the country. Prices for building a home are great now and there is a vast group of GREAT HOME Builders in Pensacola.
Market Trends in Cordova Park area Zip 32504
MARKET TRENDS FOR ZIP CODE 32504. Cordova Park area view homes for sale in this area.
Friday, August 24, 2012
Market Analysis of SOLD homes in Cantonment, Florida
Click HERE for a Market Analysis of SOLD homes in Cantonment, Florida. This will show you pricing TRENDS in SOLD vs LISTED homes in Cantonment.
Tuesday, August 14, 2012
New Construction Homes For Sale in Pensacola, Florida
Here are new construction homes in the Pensacola area. Homes in great communities that are built and move in ready or homes in the construction process or to be built means you pick your lot and the floor-plan you choose and pick, colors, tile, carpet, hardwood, granite, brick, you name it your pick it. Home construction time is 4-6 months. Call me to see home in these neighborhood's.
Friday, August 10, 2012
Great homes in Historic East Hill Pensacola, Florida
Check out these great homes located in East Hill located in Historic Pensacola, Florida close to downtown. You can walk to parks, Bayview Community Center where there is a great dog beach and acces to launch your boat and head to the Gulf of Mexico. Come join the fun Pensacola has to offer like bands on the beach every Tuesday, Seville in the Park, HUB Stacey's, Rosie O'Graides, the Blue Wahoos stadium and so much more.. Vist Pensacola today and let me show you some great homes in East Hill and North Hill. Call Diane Harmon, Realtor, Keller Williams Realty Gulf Coast. 850-232-5854.
Pensacola Homes in Nature Trail a Gated Community
Here are some great homes in Nature Trail this gated community has a community pool, club house, tennis courts and only one minute to 1-10 and 15 minutes to Downtown Pensacola and 30 minutes to the Worlds Whitest Beaches..
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