Coastal construction now costs more and may effect Pensacola, Pace and Gulf Breeze Florida   Fla.-owned Citizens no longer sells construction insurance, and buyers pay up to four times more for private coverage. Read more. Floridacounties that rely heavily on Citizens will feel the greatest impact. High-risk areas such as barrier islands and land within 1,000 feet of the coast already have few options in the private insurance market and will pay most for the new coverage, especially if building is scheduled during the hurricane season. Coastal construction now costs more and may effect Pensacola, Pace and Gulf Breeze Florida Today's Prayer Dear God, Your Word says "those who wait on the Lord shall renew their strength; they shall mount up with wings like eagles, they shall run and not b... 05/12/2012

The bundler from Pensacola Florida is preparing to purchase Foreclosures in Bulk. Investors are preparing to do this in several states as the banks and government try to do something about the upcoming foreclosure crisis. As a buyers agent in Pensacola, Pace and Gulf Breeze I am in talks with some of the smaller banks to do just that.   Firm sells former foreclosures in bulk Fla. firm buys refurbished foreclosures with tenants, bundles 10-40 of them and sells as a single real estate investment. Read more. The homes, which are in packages of between 10 and 40 properties, were mostly bought piecemeal at foreclosure auction by other investors who have already made improvements and found tenants. Only homes in the New York bundle, which includes properties in Ohio, are still in need of remo... 04/30/2012

Gov't to propose new mortgage lending rules for Gulf Breeze Borrowers as well. Homeowners will receive standard monthly mortgage statements, clear warnings about changes and new foreclosure info. Read more. The mortgage servicers would also be required to make “good-faith efforts” to contact borrowers at risk of foreclosure and give them options to avoid losing their homes. There are also stipulations for improving record-keeping and providing foreclosure counseling to those who need it.   "Everybody is like a magnet. You attract to yourself reflections of that which you are. If you're friendly then everybody else seems to be friendly too." — Dr. David Hawkins: is a psychiatrist, physician, researcher, and pioneer in the fields of consciousness research and spirituality   Gov't to propo... 04/25/2012

More Americans upbeat about home buying in Gulf Breeze Florida Fannie Mae: Conditions ripe for buyers. More expect rents to rise, homes to appreciate and interest rates to increase. Read more. In addition, confidence in consumers’ views of their own finances is stabilizing. For three straight months, 44 percent of respondents have said they expect their personal finances to get better over the next year.Taken together, these trends give Americans an increased sense of urgency to buy a home, said 73 percent of Americans surveyed in March, up from 70% in February.   Home Of The Week!!   ML: 422735m RES A 3318 INDIAN HILLS DR, PACE PR: $245,000 AR: Pace INDIAN HILLS NONE ApxSqft: 3,097 BR: 4 BA:F:3H:0   Style:Traditional Acre: 0.50   GAR:2 Car Garage YrBlt: 2003 DR: N Woodbine Lft into Ind... 04/24/2012

I sell Short Sales in Gulf Breeze Florida, 2569 Baytown Circle 32561, Buying or Selling a Home made easy.   ML: 418715m RES A 2569 BAYTOWN CIR, GULF BREEZE PR: $110,000 AR: Gulf Breeze BAYSHORE NONE ApxSqft: 1,420 BR: 3 BA:F:2H:1 Style:ContemporaryAcre:0.00 GAR:2 Space/UnitYrBlt: 2006DR: HWY 98 to north on Bayshore Rd (next to IHOP). Turn right into complex.$/Sqft:$77LO: RE/MAX ON THE COAST ***SHORT SALE***Great townhouse in Great location! Spacious kitchen and living area on 1st floor with bedrooms on the 2nd floor. Great community pool just steps from your patio door! Convenient to wonderful nature walking trails and the National Seashore. Gulf Breeze Schools, low maintenance living and move-in ready! I sell Short Sales in Gulf Breeze Florida, 2569 Baytown Circle 32561, Buying or Sell... 04/22/2012

I sell Short Sales in Gulf Breeze Florida, 5893 Embassy Street 32561, Buying or Selling a Home made easy.   ML: 423858m RES A 5893 EMBASSY ST, GULF BREEZE PR: $115,000 AR: Gulf Breeze EAST BAY HEIGHTS NONE ApxSqft: 2,456 BR: 3 BA:F:3H:0 Style:CountryAcre:0.49 GAR:Drive OnlyYrBlt: 1988DR: Hwy 98 East past the (Flea Market) Left on$/Sqft:$47LO: Main Street Properties, Inc. This home is unique with more rooms than noted. It has additional loft rooms that serve well for office space, play rooms or whatever the need or hobby may be. Also offers a separate Apartment or Mother-In-Law living quarters. Home sits on .48 of an acre fenced in with an above ground pool. Plenty of storage and potential this home offers. Buyer to verify sq footage, schools, and lot size. I sell Short Sales in Gulf Bre... 04/22/2012

I sell Foreclosures in Gulf Breeze Florida, 1409 Players Club Circle 32561, buying and selling a home made easy ML: 425196m RES A 1409 PLAYERS CLUB CIR, GULF BREEZE PR: $324,000 AR: Gulf Breeze PLAYERS CLUB EAST NONE ApxSqft: 2,860 BR: 4 BA:F:3H:0   Style:Traditional Acre: 0.34   GAR:2 Car Garage YrBlt: 1991 DR: Hwy 98 to Tiger Point Blvd East on Madura, take a left on Players Club, home is on the left. $/Sqft: $113 LO: LEGENDARY SALES, INC. This all brick home has two master bedrooms (one upstairs, one downstairs) and is located on the 11th Fairway of Tiger Point's Championship East Course. Enjoy watching the golfers from your screened in porch or pool! Pool has new vinyl liner. Oversized garage large enough for golf cart! Spacious kitchen has tons of cabinets for storage, center islan... 04/22/2012

Bill could help short sale sellers in 2013 After Dec., short sale mortgage debt forgiven by a bank will be taxed as income unless Congress extends temporary laws. Read more.As it stands now, that rule expires next year, and underwater homeowners who go through a short sale could be taxed on the amount forgiven. It is hard to believe tha after 6 years we still vote  on this year after year, is it any wonder that these fools can't get anything done. We need to clean the peoples house and put working folks up there. No more Attorney's, Doctors, law clerks or community organizers just everyday people that have been on a steady job for 10 years or more or maybe retires people that worked all there life. Talk about one hell've a retirement. "You've got to visualize where you're headed and be ... 04/19/2012

FHA tightened lending rule on April 1 and how will it effect the buyer? Homebuyers with a credit dispute greater than $1,000 may not qualify for an FHA mortgage after Saturday. Read more. Currently, credit disputes in a buyer’s record bump the application to an FHA underwriter. Under the new guidelines, however, no FHA loan will be approved for any dispute over $1,000. Amounts less than $1,000 shouldn’t impact loan approval unless it was ordered by a court, in which case any amount must be paid in full.If a potential buyer has a $1,000-plus credit dispute on file, he or she must either pay the debt before FHA loan approval, or enter into a repayment agreement and make at least three months of on-time payments. Today's Prayer God, thank You for Your comforting promise that You will never... 04/11/2012

Thursday for Knowledge - Pending home sales ease a bit in February in Pensacola, Pace or Gulf Breeze are we on the right track. But overall, winter pending sales are the best in five years. Drop-off seen in 2011 not evident so far in 2012. Read more. The Pending Home Sales Index (PHSI), a forward-looking indicator based on contract signings, eased 0.5 percent to 96.5 in February from 97.0 in January but is 9.2 percent above February 2011 when it was 88.4. The data reflects contracts but not closings. Would you like information on buying or selling Foreclosures / Short sales CLICK HERE or Search All Pensacola, Pace and Gulf Breeze Area MLS Listings CLICK HERE for Rentals and Homes For Sale. Sellers Flat Fee of $2995 when one of our agents sells your home or if you want MLS (where you hom... 04/04/2012

Gulf Breeze Florida Homes for sale and Market Report for March 2012 brought to you by Charles Stallions Real Estate Services we continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze, Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2    A Snapshot of the GulfBreeze, Florida Housing Market   Available Homes                         = 262 FORECLOSURES/ Short Sales        = 36 Current Homes Under Contract      = 104 Homes Sold In Last 30 Days       = 28 Average Days On The Market      = 179 Average Sales Price                   = $206.400 Gulf Breeze Florida Homes for sale and Mark... 04/01/2012

Small-biz owners lack retirement planning in Pensacola, Pace and Gulf Breeze Want to retire one day? About 1/3 of small-business owners don't have a plan, or a 401(k), SEP IRA or deferred annuity. Read more. About a third of small-business owners do not have a personal or business-sponsored retirement plan such as a 401(k), a SEP IRA or deferred annuity, according to a new survey from non-profit The American College. Nearly the same number hasn’t estimated how much money they need for retirement. Today's Prayer Dear God, Thank you for a new day. I know that everything I am and everything I have is a result of what you have allowed in my life. Sometimes life is very hard; other times it is full of happiness. I know you are always there and your blessing is available...if only I will list... 04/01/2012

Fla. housing market on positive track in Feb. for Pensacola, Pace and Gulf Breeze Sales prices rose 7.2% for single family, 15.9% for condos and inventory declined. NAR: Sales up 8.8% over year ago. Read more.“Growing optimism about the economy, gains in the state’s jobs market and continued low mortgage rates are generating interest in Florida real estate,” says 2012 Florida Realtors President Summer Greene, regional manager of Better Homes and Gardens Real Estate Florida 1st in Fort Lauderdale. “Increased statewide pending sales for both single family existing homes, up 36.1 percent, and for townhouse-condo properties, up 19.8 percent, show that buyers are encouraged by these positive signs.” "No man should bring children into the world who is unwilling to persevere to the end in thei... 03/31/2012

Get ready for Nationwide Open House Weekend Realtors in Fla. and across U.S. will open doors to homeownership through numerous open houses held during NAR's event. Read more. Pensacola, Pace and Gulf Breeze Buyers get ready Nationwide Open House. “With a range of housing opportunities at affordable prices and continued low mortgage rates, now is a great time to become a Florida homeowner,” says 2012 Florida Realtors President Summer Greene, regional manager of Better Homes and Gardens Real Estate Florida 1st in Fort Lauderdale. “On April 28 and 29, people will have a chance to conveniently see many homes for sale in communities across Florida and the entire nation. The event is a fun way to bring buyers and sellers together, with Realtors on hand to answer questions and help them naviga... 03/30/2012

Seniors, young adults to impact housing in Pensacola, Pace and Gulf Breeze 30M baby boomers to join senior ranks over next 20 years; it's likely to increase housing supply for their echo boomer kids. Read more. Seniors and young adults will influence U.S. housing markets   WASHINGTON – March 16, 2012 – Aging baby boomers and their echo boomer children will significantly impact trends in the nation’s housing market over the next 20 years.In a new report released by the Bipartisan Policy Center, “Demographic Challenges and Opportunities for U.S. Housing Markets,”  researchers at the National Association of Realtors® (NAR), The Urban Institute and the University of Southern California analyze key demographic trends and their likely influence on housing and homeownership in the U.S.   Would... 03/29/2012

Campaigning for clients with e-mail, A Lost Art Despite social media, blogging and mobile apps, e-mail remains a critical marketing and communication strategy. Read more. To boost lead generation and broaden client bases, real estate agents should consider targeted e-mail campaigns as part of their overall integrated marketing plans. It’s a relatively inexpensive and user-friendly approach to marketing, and software can provide templates for brand alignment and several different ways to track the success of an email campaign. Today's Prayer Oh God, I know you love me. You have shown me in so many ways, the greatest being sacrificing your Son to become my Savior. I know you must be concerned about even the little things in my life, and you want to direct me in all my ways. Please forgive... 03/24/2012

Gulf Breeze Florida Homes for sale and Market Report for February 2012 brought to you by Charles Stallions Real Estate Services we continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze, Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2  Gulf Breeze Market Report for Buyers and Investors February 2012   A Snapshot of the GulfBreeze, Florida Housing Market   Available Homes                         = 277 FORECLOSURES/ Short Sales        = 37 Current Homes Under Contract      = 97 Homes Sold In Last 30 Days       = 20 Average Days On The Market      = 175 Average Sales Price      ... 03/23/2012

NAR: Tax rumor keeps spreading around Pensacola, Pace and Gulf Breeze Contrary to a viral email that keeps returning with a vengeance, there is no across-the-board real estate tax in 2013. Read more. WASHINGTON – March 13, 2012 – Contrary to a viral email that seems to die out but then return with a vengeance, there is no across-the-board real estate tax starting in 2013.According to the National Association of Realtors® (NAR), there is a new real estate tax effective in 2013, but it will affect very few sellers – only people with a high annual income who turn a sizable profit on their home sale.   Today's Prayer Oh God, I know you love me. You have shown me in so many ways, the greatest being sacrificing your Son to become my Savior. I know you must be concerned about even the little t... 03/23/2012

  A surge in national consumer confidence could help buyers in Pensacola, Pace, Gulf Breeze Florida.   Conference Board found a 9.3 point overall rise in confidence this month, with future expectations surging 11.3 points. Read more.   Today's Prayer Don't be disappointed in your teens' attitude and involvement (or lack thereof) in ministry. Instead, give them a challenge; raise the bar; make worship and ministry REAL to them. Make sure you are being a good example?and pray. "Dear God, please send the right people and circumstances into my teen's life to influence them for good and for you. I pray for my church youth leaders, school teachers and all authorities in my child's life. I pray for these leaders' souls, for their attitudes, and for wisdom in leading today's teens in the right ... 03/18/2012

 Winning Wednesday in Pensacola Florida, Love thy Mortgage Man, I was inspired to write this after reading this re-post entitled Do You ask your clients about their financing?  by Angelica Blatt, Monterey Pen. of a post by William Feela Realtor 651-674-5999 No. Branch, MN http://actvra.in/xf4and it hit once again how valuable a team member is. So I called Joe the Mortgage Expert and told him I loved him (that was awkard till I e-mailed him the post and explained) Joe has been my go to mortgage guy for a few years now and is truly an expert in every sense of the word. The main reason I use Joe and recommend anyone in the Pensacola, Pace and Gulf Breeze Market to give him a try is that when he says yes you are approved to a customer I can bank on it and the opposite is also true when he s... 03/14/2012