“Charge offs” and other things of that nature can affect affect your credit, which in turn could affect your “loanability.” The best things you can do is get your scored from all three of the credit bureaus. You would be surprised by how many of the reports are incorrect, so go through it line by line. On many of these online credit checking services, you can directly dispute a credit claim and petition it. Any small claims on your credit that you can pay off, just do it so you can relieve that pressure. Then, try to work something out with the creditors to remove claims from your credit. IRS and State liens are going to be there forever until the debt is paid off. Getting a repossessed also greatly affects one’s viability to receive a mortgage for a few years. Talking to a Certified Pu... 12/19/2013

08/01/13, Zillow, Trulia, Realtor, Buying a Home, Gulf Breeze, 32561, 32566 Homes For Sale, Buyers Rebates, Free Foreclosure List Some condos nixed by FHA now have a backup plan More condo projects now include wording that allows units to operate as transient rentals, which isn't allowed. But FHA now provides another option. Read more. Jumbo loan rates as cheap as standard mortgages? Borrowers in some parts of the U.S. can finance pricey homes at lower rates than those with federally subsidized loans. Read more.    Buyers are taking advantage of our Smooth Move Program at closing, Choose between 1% Cash Back, 1 year taxes paid, 1 years insurance paid, Free Home Warranty and Use of our Moving Van. Renters are taking advantage of our Smooth Move Program, Choose between Free use of our Mov... 08/03/2013

07/17/13, Zillow, Trulia, Realtor, Buying a Home 32561, 32566 Homes For Sale, Buyers Rebates, Free Foreclosure List Consumers more confident in June - a lot more Consumer Confidence Index surged 7.1 points in June, the third consecutive increase. "Pace of growth is unlikely to slow in the short-term," says economist. Read more. New home sales hit fastest pace in 5 years The pace increased 29% year-to-year and 2.1% month-to-month. The median price of a new home, $263,900, was up 3.3% from a year ago. Read more.    Buyers are taking advantage of our Smooth Move Program at closing, Choose between 1% Cash Back, 1 year taxes paid, 1 years insurance paid, Free Home Warranty and Use of our Moving Van. Renters are taking advantage of our Smooth Move Program, Choose between Free use of our Movin... 07/19/2013

06.28.13, Homes In Zip Code 32514, 32571, 32583, 32561     Homes For Rent, Buyers Rebates, Free Foreclosure List   Banks loosen standards on down payments LendingTree: U.S. homebuyers in May put down an average 16.1% on a home backed by a 30-year fixed mortgage, down from 17.6% two years ago. Read more. U.S. House passes reverse mortgage reform bill Legislators passed a bill Wednesday that would give FHA new powers to regulate its reverse mortgage program. Read more.   Quote Of The Day   "You will find the key to success under the alarm clock." —Benjamin Franklin:Founding Father of the United States —       Are you paying too much in Property Management Fees? Are you going broke with maintenance fees, low rents, lack of tenants etc? We charge a Flat Fee of $50. a month which includes mo... 06/29/2013

05.18.2013, Charles Stallions Property Management Report, Pace Homes    Homes For Rent, Buyers Rebates, Free Foreclosure List Feb. home prices up 9.3% – most in almost 7 years Standard & Poor's/Case-Shiller: A growing number of buyers continue to bid on a limited number of homes, as supply fails to equal demand in 20 core cities. Read more. Despite hurdles, Cuba real estate market buzzing Think your job has challenges? In Cuba, a private home sale is now legal but brokering one is not. Creative agents found a way around the problem, however. Read more.     Are you paying too much in Property Management Fees? Are you going broke with maintenance fees, low rents, lack of tenants etc? We charge a Flat Fee of $50. a month which includes monthly reconciliation statement, tenant screening, pr... 05/18/2013

Buyers Update for Pensacola, Pace and Gulf Breeze, Florida 03.11.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Study: Good grammar makes bad passwords Rule of thumb: If a password is easy to remember, it's easy for hackers to attack. But bad grammar, at least for now, seems to confuse code-cracking software. Read more. Mortgage bill faces tough road in Congress NAR-backed bill could help responsible owners refinance. Proponents: It speeds recovery. Opponents: It's a short-term stimulus - focus on fixing system. Read more. Bank helps find jobs for troubled homeowners Many homeowners wind up in foreclosure after a job loss, so Fifth Third teamed with a re-employment firm to help troubled owners get back to work. Read more.      Need up to date Real Estate informati... 03/11/2013

Buyers Update for Pensacola, Pace and Gulf Breeze, Florida 03.07.2013 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW FHA to tighten some loan rules Some changes could make it more difficult for a buyer to qualify. Amount over $625,500? You now need 5% down. Lower credit scores also impacted. Read more. U.S. rate on 30-year mortgage steady at 3.53% A series of slight mortgage rate increases came to a halt this week, as the 30-year FRM remained steady, a trend the majority of experts expect to continue. 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 Pensac... 03/07/2013

Buyers Update for Pensacola, Pace and Gulf Breeze, Florida 03.05.13 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW Budget boosts affordable housing, economic growth Gov. Scott proposed a budget hailed by housing and business groups. It has $50 million for affordable home programs and funds other pro-business initiatives. Read more. What’s the best season for home buying? It's always the best season somewhere. But if Trulia analysts are right about Florida, more buyers begin a home search in February than any other month. 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 ... 03/05/2013

Gulf Breeze Fl: Real Talk with Joyce Kelley, you bring the Gossip, 12.24.2012 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW    Mortgage delinquencies to stay high in 2013 However, it's a backlog - not new cases. If ignoring delinquencies over a year old, numbers look historically normal. Read more. Fla.'s housing market stronger in 2013  Economists at Florida Realtors' event: Positive trend continues, though recovery pace may be slower than U.S., Calif. Read more.  Freddie Mac: Expect good things in 2013 "Big change from a year ago" includes no shadow inventory threat, rising values and increase in household formations. Read more. Sign up for our Newsletter  Deals and More Deals 10 tax tips for sellers     Click Here, Home for sale    Click Here View rental listings... 12/24/2012

Gulf Breeze Fl: Real Talk with Joyce Kelley, you bring the Gossip, 12.18.12 Homes For Sale, Buyers Rebates, Free Foreclosure List NOW YOU KNOW   Force-placed insurance lawsuit to proceed A Fla. woman forced to take insurance by her lender alleges the tactic was predatory. Judge rules the case can proceed. Read more. Want bottom line price for 4-bedroom home? Coldwell Banker's annual survey of asking prices for same-type homes put four Fla. cities on its most-affordable list. Read more. What's ahead for Fla. real estate in 2013? Learn about business opportunities and market trends during Fla. Realtors' 2013 Economic Forecast event on Dec. 12. Read more.  Sign up for our Newsletter  Deals and More Deals 10 tax tips for sellers     Click Here, Home for sale    Click Here View rental listin... 12/17/2012

On The Front Porch Real Estate News with a hint of gossip 11/13/2012 NOW YOU KNOw   Open permits can be homebuyer's affliction A home with an open permit can still close, but the inspection required to close the permit could create problems later. Read more. NAR: Short sale tax relief Call for Action If lenders forgive part of a mortgage in short sales, it's legally income to sellers - and taxable by the IRS after Dec. 31. Read more. Hurricane Sandy: Trickle down storm? While storm claims shouldn't directly impact Fla., some now think a reinsurance cost spike could indirectly raise rates. Read more.     On The Front Porch Real Estate News with a hint of gossip 11/13/2012   "The discovery that human intelligence can learn to function, with awareness, at altered levels of mind, will go do... 11/16/2012

32501, Make Money while Investing in Pensacola and Pace Florida Real Estate New guidelines to help condos get FHA loans Condo buyers can't get FHA loans unless a building is certified. Less-risky rules should push more associations to apply. Read more. In Jan., short sales may carry hidden cost A law keeps IRS from taxing money a lender forgives on a short sale, but it expires Dec. 31 if not extended by Congress. Read more. New lender GFE rules: what to expect Once "loan estimates" from multiple lenders have the same format, websites will start creating side-by-side comparisons. Read more. 20% downpayment not a QM requirement The qualified mortgage (QM) rule won't force buyers to put so much down; however, Fed's related QRM code not yet clear. Read more. NAR: Bring back sensible lending... 11/14/2012

On The Porch, Real Estate News with a hint of gossip. 11/07/2012 NOW YOU KNOW   $260M going to Florida homeowners Attorney general and Legislature agree: Nat'l mortgage settlement cash to boost housing, maybe downpayment assistance. Read more. Feds to continue single-family bulk sales FHFA "encouraged" with first round that included 699 Fla. homes and suggests more. Florida Realtors and NAR object. Read more. Fla. 'business climate' No. 10 nationally Site Selection Publications: A look at tax burdens and more lands Fla. in the top 10 for attracting new businesses. Read more. On The Porch, Real Estate News with a hint of gossip. 11/07/2012    "The discovery that human intelligence can learn to function, with awareness, at altered levels of mind, will go down in history as the greatest di... 11/10/2012

It is always best to make sure your your home is in the best possible condition when you put your home on the market. In a buyer's market like we have been in the last 4  years, they're are more homes on the market and consequently more choices for the limited number of buyers to choose from. As a Seller, it is best to look at your home from the perspective a buyer would. Ask other to walk through your home and help you note items that need updating and improvements. Hire a qualified home inspector and make the  repairs of the items she finds. Hire a home stagger and have them stage your home to look the best it can be. Remove all clutter possible to a storage unit or give to the Good Will. Once you feel you are ready, start your inspection at the street and inspect inside and out. Foll... 10/05/2011

4 FELDOR DR, Pensacola, FL   Send to Friend Completly remodeled home, with all new appliances.   Share Listing 3BR/2BA Single Family House   offered at $79,900 Year Built 1956 Sq Footage 1,400 Bedrooms 3 Bathrooms 2 full, 0 partial Floors 1 Parking Unspecified Lot Size 0 sqft HOA/Maint $0 per month DESCRIPTION Completely remodeled and move in ready! Fresh paint throughout, new carpet, tile, ceiling fans, hot water heater, and outlets. A/C only a couple of years old and has recently been serviced. Large kitchen with new cabinets, counter tops, sink, faucet, built in microwave and dishwasher. Nice size back yard with a new privacy fence.   Photo 1 click on thumbnail to enlarge PROPERTY FEATURES Central A/C Central heat Walk-in closet Tile floor Family room Dining room Refrigerator Stove/... 02/12/2010

Joyce Kelley, CBR, SREE - 800-309-3414, The Lead Buyers Agent to Charles Stallions here in Pensacola, Pace and Gulf Breeze, Florida. Being a buyers agent allows me to really WOW my customers, devote the time needed for them to choose and pick the PERFECT home. I don't have to weigh my decisions on the sellers needs or any third party. 100% totally to the buyer. Being the Lead Buyers Agent means I set the Standard of which our team will be judged. I want the EXPERIENCE to be spectacular and any thing less is unacceptable. Call Joyce and meet first hand some of the many buyers that we have helped buy a home where you are not another buyer, are family.  Navarre Beach, Florida Real Estate We here at the Charles Stallions Real Estate Services continuously monitor local real estate statistic... 01/03/2010

Are you facing foreclosure here in the Pensacola, Pace or Gulf Breeze area. Well don't feel alone 1 out of 10 folks are facing some kind of crisis with a lender. There is hope, maybe a short sale will be the answer or Loan Modification. Whatever your facing you need not me alone. We can help as we have many in the past three years. We have brought peace of mind to hundreds of home owners similar to you. Please check out these website for help and then go ahead make to call 1-800-309-3414 and let us change your life for the better.   www.hud.gov   www.hopenow.com                                                                                          www.makinghomeaffordable.gov                                                                   www.homeloanlearningcenter.com              ... 12/10/2009

The Florida Gulf Coast is absolutely beautiful this time of year!  Take a peak at the following web cam links I have put on my personal web site!  If you have a link you'd like listed or if you see a broken link, please email me: amyleemyers@yahoo.com Here's a picture of Miramar Beach near Amalfi Coast Resort and Grand Dunes on Old Hwy. 98.  Absolutely gorgeous clear water!   Panama City Chateau Cam Schooners RestaurantPanama City Marina LiveBeachView.com Bay County Life Beach CamWJHG SkycamDestinLucky SnapperHarborwalk Marina Emerald Grande The Eimers Group, LLCSouthern ResortsTripsmarter, DestinDestincam.comBeaches of South Walton-Grayton Beach NavarreNavarre Beach Life CamNavarre Robo CamNavarre Cam at Belle MerNavarre Beach RealtyNavarre Beach Pier WebcamPensacolaPensacola Pier CamP... 04/12/2007