Florida House passes six industry bills that may effect Pensacola, Pace and Gulf Breeze. Five House bills are ready for Senate votes. Septic tank, insurance, tax and condo issues had votes this week. Read more. In the Senate, SB 820 is now ready for a full vote and, if approved, will go back to the House of Representatives for a final vote. The bills will then go to Gov. Rick Scott for his signature to become law. Once signed into law, counties with “first magnitude springs” will have the ability to opt-out of the program, while all other counties would have to opt-in to the program. HB 7125 – also approved by the full House this week and awaiting action by the Senate – makes a common sense change to business tax law, exempting real estate licensees from local business taxes (formerly k... 03/13/2012

Average rate on 30-year FRM down to 3.90% will help Pensacola and Gulf Breeze buyers and sellers Mortgage buyer Freddie Mac said Thursday that the rate on the 30-year home loan fell to 3.90 percent from 3.95 percent the previous week. That’s slightly above the 3.87 percent average rate hit two weeks ago, which was the lowest since long-term mortgages began in the 1950s.Rates declined again to almost - but not quite - record lows. Experts expect little change over the short term. Read more. Business Of The Week Miller's Ale House Location: Pensacola5906 North Davis HighwayPensacola, FL 32503(850) 505-2670 http://www.millersalehouse.comView MenuView PDF Special Offer for Locals Card Holders 10% off or $5 off $25 purchase when you show your Locals Cards Valid: 1/20/12 - 6/20/12Not valid wi... 03/11/2012

Newest version of HARP may have legs or just another broken promise. Changes to extend HARP’s reach were announced in October, and lenders launched their revamped programs in recent months. To be eligible, HARP applicants must have loans owned or guaranteed by Freddie Mac or Fannie Mae, have less than 20 percent equity and be current on payments.Earlier versions failed to help many homeowners, but some banks are now adding staff to keep up with demand. Read more.   Business Of The Week Sharky's Bar & Bites 7100 N. Davis HwyPensacola, FL 32504 (850) 476-1099 Monday-Sunday 11:00am till Close Join us at our family owned Sports Bar & Restaurant Sharky's Bar & Bites (Home of the Shark Attack) and the best wings and burgers in town... 03/11/2012

Buffet: Real estate better than stocks Really? Buffett forecasts an increase in household formations, as more people who moved in with their parents or family members during the recession look to move out and get their own home soon. Buffett said that’s because he believes purchasing a home with ultra-low mortgage rates and holding it for the long-term has become a better investment than stocks right now.Billionaire sees real estate as today's best investment; would buy "a couple hundred thousand' single-family homes. Read more.   Business Of The Week Hemingway's Island Grill Location: Pensacola Beach 400 Quietwater Beach Road #16Pensacola Beach, FL 32561(850) 934-4747 http://www.hemingwaysislandgrill.comView MenuHours: Mon- Sat 11am to Midnight, Sunday 10:30am to 11pm Known for: Experi... 03/11/2012

Renters may be losing their leverage in Pace and Gulf Breeze Florida “With high demand in the marketplace, landlords were not likely to negotiate with potential renters, and needed to do little to attract clientele to their available apartments,” said Citi Habitats President Gary Malin.While the country’s single-family home construction is still recovering from the depths of the downturn, this year is expected to be an important milestone in the tide of new multifamily home construction occurring in many cities. MPF Research estimates 125,000 apartment units will be completed by year’s end, an 89 percent gain from 2011. As demand outpaces space, tenants say goodbye to move-in incentives as they watch rents edge higher. Read more. Business Of The Week Miguels Mexican RestaurantCategory: ... 03/11/2012

Q&A on latest mortgage-aid plan that could effect Pensacola and Gulf Breeze Florida. The Obama administration is offering some relief to homeowners who have government-backed mortgages. Under a program President Barack Obama unveiled Tuesday, the government would cut the fees it charges to insure those borrowers. President Obama's proposal makes it easier and more lucrative for homeowners to refinance an FHA loan. Read more. Business Of The Week Location: Pensacola1101 Scenic HwyPensacola, FL 32503(850) 432-0539 Special Offer for Locals Card Holders Buy 2 Entrees get a free appetizer (excludes early bird specials) Valid: 2/1/12 - 4/27/12Not valid with any other discounts 03/11/2012

  Buying smart with new construction: 4 tips for Pensacola, Pace and Gulf Breeze Florida.   If a buyer decides to go with new construction, explain upfront how the process differs from an existing home purchase. Read more.   Today's Prayer God, you have told me, "Whoever hears my commands and obeys them, he is the one who loves me. He who loves me will be loved by my Father, and I too will love him and show myself to him" (John 14:21). Lord, you have given your Word and I want to obey. Give me a thirst to know more of you and spend more time in your Word. I love you. Please "show yourself to me." I praise you for who you are. In Jesus' name, amen.   Would you like information on buying or selling Foreclosures / Short sales CLICK HERE or Search All Pensacola, Pace and Gulf Breeze Area ML... 03/11/2012

Could rising rents bump up home sales in Pensacola, Pace and Gulf Breeze Florida? MBA chief economist: Spring home sales might jump more than predicted if buyers see ownership as a cheaper option. Read more. Today's Prayer Dear God, I feel like I have run into a wall. What is going on? Why can't I move forward? Are you trying to protect me from something ahead? Are you trying to teach me something? Are you working on something and the time is just not right? Maybe you are trying to teach me PATIENCE! Please help me to see your will and learn from life's lessons. Please encourage where I am, give me patience and wisdom, and motivate me to move in the direction you want, when you want. Thank you for being with me. In Jesus' name, amen. "In the business world, the rearview mirror is alway... 03/11/2012

How to beat competition and buy foreclosures in Pensacola, Pace and Gulf Breeze Florida   Start with your best offer, make a big deposit, be nice and take care of all details - but don't forego an inspection. Read more. Finding a bank-owned home for sale these days is hard enough. Actually buying one is an even bigger problem. Last year the supply of bargain-basement, foreclosure homes shrank, as banks temporarily stopped trying to repossess properties to review possible paperwork errors. Today's Prayer Dear Lord, Please help me to develop a thirst for you, to spend time with you EVERY day, to be aware of your presence at all times. Here I am, today, to bow down and worship you and testify that you are my God, my deliverer, my hope, and my future. May I remember your love for me and dra... 03/11/2012

America's Mortgage Experts  |  www.amexperts.com       Visit my blog today at www.amexperts.com/AMEBlog. Add the page to your favorites and keep coming back for the latest news! FHA MIP increases April 9th. Get your loans in now.         I am writing a second blog in as many days but I think you will find this information important to know. I promised my self I would not bore realtors and subscribers to death with multiple post about nothing but last night HUD released a Mortgage Letter which is a set of guidelines for FHA mortgages. This mortgage letter spells out major increases yet again to the insurance fund FHA supplies. The increase was part of the Temporary Payroll Tax Cut Continuation Act of 2011 (Public Law 112-78) signed by our President. This increase is ... 03/10/2012

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    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                   = $175,325 Gulf Breeze Florida Homes for sale and Ma... 03/04/2012

Would you like information on buying or selling Foreclosures / Short sales CLICK HERE or Search All MLS Listings CLICK HERE Sellers Flat Fee of $2995 when one of our agents sells your home or if you want MLS (where you home is available to all realtors to sell) then the best program TODAY is $1495 to us +3 % offered to Buyers Agent for bringing the buyer.  When you understand how agents work you will clearly see why we sell 94% of our homes at or above asking price and why REALTORS would rather sell our homes than anyone else’s. The realtor gets paid more and the seller saves over 63% on average. Buyers Agent makes buying foreclosures, REO's and Short Sales 612 1st St S #21 Property Management for $50 Flat fee monthly THOUSANDS OF HOMES.... One Address www.charlesstallions.com Charles S... 02/12/2012

Gulf Breeze Florida Homes for sale and Market Report for January 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                         = 305 FORECLOSURES/ Short Sales        = 43 Current Homes Under Contract      = 73 Homes Sold In Last 30 Days       = 20 Average Days On The Market      = 204 Average Sales Price                   = $184,064 Gulf Breeze Florida Homes for sale and Mar... 02/05/2012

February 4, 2012 Rental Open House 1PM to 4 Saturday 4999 Berkeley Blvd. Come Join us for snacks, drinks and be the first to get your application in.   4BR/3BA Single Family House $1,800/month Bedrooms 4 Bathrooms 3 full, 0 partial Sq Footage 3,000 Parking 2 dedicated Pet Policy No pets Deposit $1,800 February 4, 2012 Rental Open House 1PM to 4 Saturday 4999 Berkeley Blvd         see more photos >     This is a gorgeous home in a great subdivision. Minutes from the beach and downtown Gulf Breeze. Huge kitchen with granite countertops and cherry cabinets, a large island and a separate work area with bar. Separate pantry has as many wood cabinets as you would normally find in a regular kitchen. This kitchen is built for storage galore. The laundry room has sepa... 01/29/2012

Gulf Breeze Florida Homes for sale and Market Report for December 2011 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                         = 294 FORECLOSURES/ Short Sales        = 54 Current Homes Under Contract      = 64 Homes Sold In Last 30 Days       = 34 Average Days On The Market      = 204 Average Sales Price                   = $233,471 Gulf Breeze Florida Homes for sale and Ma... 01/22/2012

  Is it better to Buy or Rent? Whether renting is better than buying depends on many factors.  The information listed here will assist you in helping answer this question. Included are statistics and studies on homeowners and renters as well as financing options and tips. Read the rest of the story here   Buyers are taking advantage of our Smooth Move Program at closing, Choose between 1% Cash Back,  1 years taxes paid, 1 years insurance paid, Free Home Warranty and Use of our Moving Van or Free Survey with Free Termite. Lots of choices but the Realtor should be Contact Charles Stallions 850-478-8811 and make your move smooth. Renters are taking advantage of our Smooth Move Program, Choose between Free use of our Moving Van or a $25. or Gift Certificate. Be sure to ask about FREE Rent. ... 01/20/2012

Citizens set again to raise insurance rates on Floridians as if we don't have enough to pay for in these times. Wouldn't it be nice if folks lower prices on things we need. Click here to read more http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=1&id=269209 Florida homeowners get a property insurance discount if their home has added features that help lower potential damage from a storm. To receive the discounts, homes must first be inspected, and a number of policyholders have done so. However, Citizens claims that the original inspections have listed hurricane mitigation upgrades that don’t exist, and many homeowners don’t deserve the discount.   Buyers are taking advantage of our Smooth Move Program at closing, Choose between 1% Cash Back,  1 years taxes paid, 1 years insur... 01/08/2012

Gulf Breeze Florida Homes for sale and Market Report for December 2011 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                         = 294 FORECLOSURES/ Short Sales        = 54 Current Homes Under Contract      = 64 Homes Sold In Last 30 Days       = 34 Average Days On The Market      = 204 Average Sales Price                   = $233,471 Gulf Breeze Florida Homes for sale and Ma... 01/01/2012

Rent to Own vs Lease Options vs Wraps in Pensacola, Gulf Breeze, Pace Florida, are they right for you. Give me a call and let's take a look to see what we can do to make you a home owner. With the mortgage crisis the way it is, the tightening of money from lenders or lack of money to loan. I get a lot of calls from buyers wanting to know if rent to own is an option. The short answer is maybe...   Some ways to tell.   If you apply for a loan and the interest rates puts the payments above what a similar home is on a rent to own home, then a rent to own home is for you. If you have credit issues that would prevent you from getting a loan then a rent to own could be for you.    Things to make sure you do. When agreeing to a rent to own you will want to make sure you make the payments to the... 01/01/2012

December’s Season of Celebrations & Sharing Contest Visitors can enjoy several free concert series, including Bands on the Beach. Held every Saturday with a different band each week. Located at the Pavillion on Pensacola Beach, the free concerts have been a real treat to tourist and natives alike. Come on out with the family and enjoy the fun, be sure to bring a lawn chair or blanket, your apetitie for the many different flavor of foods being served as well.   Charles Stallions is a free lance writer located in Pensacola Florida charles@charlesstallions.com or 850-324-5109 12/25/2011