Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.22.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   Lessons learned, BofA makes a new mortgage push Bank of America says it will now add mortgages rather than shed them, but focus on current customers and new loans rather than buy existing loans. Read more. Feds finalize protections for mortgage holders Mortgage servicers must credit payments promptly, swiftly correct errors, keep better records and avoid foreclosure if working on a modification. Read more.      Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola... 01/21/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.21.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   Getting a mortgage probably won't get easier soon Lenders still scrutinize appraisals, income and bank statements, and anything else that could force them to buy back a loan in default. Read more. Qualified mortgage (QM) rule announced The QM (qualified mortgage) rule, which had the potential to disqualify more buyers seeking a mortgage, was released today - it's not too onerous. Read more.      Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf B... 01/20/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.19.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   Leasing program helps underwater buyers move up Some builders entice buyers by helping with their current home. They'll manage the property for up to six years and the rental risks that go with it. Read more. Housing affordability sets all-time record in 2012 NAR has not yet reported Dec. numbers, but 2012 is lining up to be the best year for housing deals since recordkeeping began in 1970. Read more.      Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pac... 01/19/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.18.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Shadow inventory threat wanes CoreLogic: Experts once feared it would create too many active listings and push prices down, but shadow inventory dropped 11% in one year. Read more. Market listings to entire family, not just parents Keep kids in mind when selling to a family. Provide info they deem important, and suggest spaces they could use for play or as a media room. Read more.      Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Flor... 01/18/2013

Don't forget to register for the 2013 Panhandle Cake CRUMBS cake decorating competition coming up February 23rd! Open to ages 3 & up with categories for children, youth, novice, advanced, professional & taste. The theme this year is "Travel". If you don't want to participate but would like to come out and see some great cakes and buy some treats at the bake sale, please join us! All proceeds benefit the NW Florida Ronald McDonald House. Visit the website for more details and to download a calendar of events and registration forms: http://panhandlecakecrumbs.com/PanhandleCakeCRUMBS/Competition_Info.html 01/17/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.16.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Florida to spend $60 million from banks' settlement A portion of the state's bank settlement will aid first-time buyers, counsel at-risk homeowners and fund the foreclosure court system. Read more. Deadline nears for foreclosed owners to apply Floridians who went through a foreclosure from Jan. 1, 2008, to Dec. 31, 2011, could have money waiting - but 2/3s haven't applied for it. Read more.    Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breez... 01/16/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.15.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   U.S. rate on 30-year mortgage rises to 3.40% The FRM is still close to record lows set last year, and most economists expect it to vary little over the short term. Read more. Enter now: NAR's 2013 Volunteering Works Program Realtors working with a small-scale charity could receive a year of mentoring and $1,000 to expand their charitable program. Read more.    Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with ... 01/16/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.14.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   Help Florida Realtors define 2013 legislative goals What would you change? By taking a short survey, you'll help our Office of Public Policy identify top advocacy issues for 2013. Take survey. Citizens Property Ins. offers new type of coverage Fla.-owned insurer's new policy is about 21% cheaper, but it covers less and comes with restrictive rules on who qualifies for coverage. Read more.      Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Bre... 01/15/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.13.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   U.S. Supreme Court to hear Fla. land case Key question to consider: How much power does a local government have to deny permits if an owner refuses an environmental mitigation deal? Read more. Getting a mortgage probably won't get easier soon Lenders still scrutinize appraisals, income and bank statements, and anything else that could force them to buy back a loan in default. Read more.      Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breez... 01/14/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.12.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   Americans starting to move again Census Bureau: Fla. No. 1 state to welcome new residents after record low in 2011, with New York our top feeder state. Read more. Fla. Housing Finance Corp. dinged on audit State-created agency running foreclosure-prevention and affordable-housing programs says it will correct the problems. Read more.  Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   Today's ... 01/12/2013

Real Talk with Joyce Kelley with a little gossip, 01.10.2013 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   Florida Realtors Take 5: Legal fears online Trista Curzydio: Protect yourself. Using music might break copyright, and posting photos could give away ownership. Watch video.  What's up for tech in 2013? USA Today columnist predictions: 3-D printing goes mainstream, RIM returns and more objects talk to each other. Read more.  Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   Today's Pray... 01/09/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.10.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   FHA loan limits unchanged in 2013 In Fla. and all but two states, FHA's maximum mortgage amount - $417,000 in most areas - won't change Jan. 1. Read more. Rising costs could dampen new-home market The price of new homes today could seem like a bargain in a few years, as raw material costs rise faster than inflation. Read more.  Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   Today's Prayer ... 01/09/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.09.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Get comfortable at the negotiating table Some Realtors find negotiations the toughest part of the job. Keep it in perspective and learn to enjoy the process. Read more. Scott wants inspector general for Citizens Governor says he worries about Fla.-owned insurer and will advocate for law changes that give taxpayers more oversight. Read more.                                                                                                                                                                             Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available inc... 01/09/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.08.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Americans starting to move again Census Bureau: Fla. No. 1 state to welcome new residents after record low in 2011, with New York our top feeder state. Read more. Fla. Housing Finance Corp. dinged on audit State-created agency running foreclosure-prevention and affordable-housing programs says it will correct the problems. Read more.  Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   Today's Pr... 01/08/2013

32501 Investing in Pensacola and Pace Florida Real Estate, 01.07.13   Homes For Sale, Buyers Rebates, Free Foreclosure List   U.S. housing starts slowed in Nov. Commerce Dept.: Superstorm Sandy impacted the pace of 861,000, down 3% from Oct.'s rate, which was fastest in 4 years. Read more. Economy drags down population growth Recession will have a long-term impact on U.S. population: It will be older and smaller than predicted four years ago. Read more. Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale by Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that. Click Here   Lowes Dis... 01/06/2013

32501 Investing in Pensacola and Pace Florida Real Estate, 01/06/2013   Homes For Sale, Buyers Rebates, Free Foreclosure List   Builder confidence at six-year high NAHB: It's a two-point gain from a slightly revised Nov. reading and the highest level since April 2006. Read more. Developers scramble to catch up Apartment demand has developers ramping up work. Multifamily building is about 2/3's what it was before the recession. Read more. Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale by Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that. Click Here   Lowes Discounts Investor ... 01/05/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.06.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Facebook changes some privacy settings Under fire from privacy advocates, company says changes eliminate surprises on how privacy and content settings work. Read more. Buyers more optimistic about market's future Redfin survey of active buyers finds more expect real estate values to rise, and fewer worry about economy tanking. Read more.  Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   Today'... 01/05/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01.05.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Fed ties rates to jobless, inflation targets Adjustable rate mortgages are now indirectly tied to U.S. job numbers after Fed sets 6.5% unemployment rate as its goal. Read more. Economy drags down population growth Recession will have a long-term impact on U.S. population: It will be older and smaller than predicted four years ago. Read more.  Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   To... 01/05/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, 01/05/13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW FHA to tighten mortgage programs One proposal: To suspend the option to withdraw equity in a single lump sum through its reverse mortgage program. Read more. Bank repossessions hit 9-month high in Nov. Fla. had highest foreclosure rate of any state, one in every 304 households in some stage - twice the national average. Read more.    Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   Today's Pra... 01/05/2013

 Breeze Fl: Real Talk with Joyce Kelley, 01.04.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Developers scramble to catch up Apartment demand has developers ramping up work. Multifamily building is about 2/3's what it was before the recession. Read more. FHA to tighten mortgage programs One proposal: To suspend the option to withdraw equity in a single lump sum through its reverse mortgage program. Read more.    Need up to date Real Estate information for Pensacola, Pace or Gulf Breeze, Florida.  Sign up for our Newsletter  Want to see the newest homes that available including For Sale By Owners and Builders   Click Here   Need a Rental home or Apartment in Pensacola, Pace or Gulf Breeze, Florida we can help you with that.Click Here   Today's Prayer   Oh Dear Lor... 01/04/2013