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.

Market Analysis for HOMES in PACE, Fl. SEE WHAT THE MARKET IS DOING

Market Analysis for HOMES in PACE, Fl. SEE WHAT THE MARKET IS DOING

FREE Market Analysis for homes in CORDOVA PARK in Pensacola, Florida

FREE Market Analysis for homes in the CORDOVA PARK area Pensacola, Florida

FREE Market Analysis for homes near PENSACOLA NAS Zip 32507

FREE Market Analysis of homes near PENSACOLA NAS Zip code 32507

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.

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.

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.

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..