PURCHASE AND REHAB YOUR HOME IN NICEVILLE FLORIDA WITH THE FHA 203(K) LOAN - Most home buyers are turned off at the sight or even thought of buying a fixer-upper; a foreclosure or an older home today. However, educated and informed home buyers are utilizing the FHA 203(k) loan to buy their new home and fix it up with no additional out-of-pocket expense. The FHA 203(k) loan is a tool that savvy home buyers, successful contractors, Realtors and mortgage originators have been using since 1978. An FHA 203(k) loan is very similar to the traditional FHA loan. The only real difference is that with the FHA 203(k) loan, the home buyer is adding money to their mortgage balance to finance-in any repair/improvement cost. Whereas the traditional FHA loan requires that certain repairs be done before ... 10/24/2011

Okaloosa County Florida Home Buyer Assistance Program Process and Time Line 1.  County sponsored home buyer education class is required. 2.  Home buyer is APPROVED and signs contract for home. 3.  Lender sends Reservation Form with contact to county. 4.  With-in 5 days, home is inspected by county staff. 5.  If necessary, lead based paint assessment is completed. 6.  Lender sends loan package to county. IF NO REPAIRS ARE NECESSARY...... 7.  County approves application package. 8.  County contracted appraiser completes appraisal. 9.  Home buyer meets with home buyer counselor. 10. Mortgage package e-mailed to title company. 11. Home buyer assistance check is released by county after HUD 1 is approved. 12. Closing occurs at the offices of the title company. FOR MORE INFORMATION PLEASE VIS... 06/13/2011

No Money Down Rural Housing USDA Loans in Okaloosa County Florida are back and fully funded. The new sub-prime loans of today are the government backed or sponsored loans. The FHA Loan is one we are all familiar with but how many of you know about the USDA Rural Housing Loan.  Here's how it works 100% financing on homes located in certain geographical area's with borrower's who are in certain income ranges. That's it! Use this link to see if the property qualifies by falling into one of the designated geographical area's http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do Remember when income qualifying to use the income of the ENTIRE family. Seller can pay up to 6% of buyers closing cost The 3.5% Guarantee Fee is included (Financed) in with the loan amount 100% of borrowe... 05/30/2011

  If you are a resident of Niceville, Florida, you cannot help but notice the road construction on Highway 20 and White Point Rd., near the Mid-Bay Bridge. There is a blinking sign that says “White Point Rd Access to Mid-Bay Bridge closing May 12”.  In its place, there will be a new route to Highway 20, then eventually to Highway 85, called the “Mid-Bay Bridge Connector.” Currently, White Point Road in Niceville is the only route to and from the Mid-Bay Bridge.  According to the Florida Department of Transportation, White Point Road has a traffic count averaging 18,700 daily commutes.  Starting on May 12, this number will drop to just trips going to and from the neighborhoods off White Point Road, such as Meadow Woods, Raintree Estates, Bluewater Bay, The Woodlands, Chardonnay Estates a... 05/09/2011

    Rocky Bayou Country Club Estates  - Nicevile, FL - Just Sold!     Click the link below to Search Niceville, Bluewater Bay and Rocky Bayou Real Estate. Niceville Real Estate Search   I just sold a house in Niceville, FL.  The home is located in Rocky Bayou Country Club Estates.  I represented the buyers on the transaction and they are very happy with their purchase.  The home was in great condition and had a great floor plan. Below are the details on the transaction Date Sold - 4/21/2011 Sold Price - $286,000 Square Footage - 2644 Price Per Square Foot - $108 Number of Bedrooms - 4 Number of Bath Rooms - 4   Feel free to call or email with any questions about Niceville, Rocky Bayou, Bluewater Bay, Destin, or 30A Real Estate.  I would love to help you find a great deal.   04/22/2011

Government Home Loans FHA/VA/USDA in Niceville Florida are still being used in most purchase transactions. I specialize in FHA, USDA, VA Loan products. When it comes to less out of pocket expense at a rate that is competitive with other lenders such as the conventional types more people are choosing to go with the Govies; which are aka FHA, VA and USDA Loans.  However lenders are not always willing to adopt into practice the new programs being passed down byHUD. Lets just say it would appear that this particular program isn't being accepted with open arm's on main street so far. HUD recently launched a program aimed at helping people who are current on their mortgage loans; refinance to the lower prevailing rates being offered through FHA and VA Approved Lenders even if they are under ... 04/11/2011

    Bluewater Bay Real Estate Search - Niceville, FL Click the link below to search Bluewater Bay Homes, Condos and Lots For Sale Bluewater Bay Real Estate Search   Bluewater Bay is located in Niceville, Florida and convenient to the beaches of Destin and Hwy 30A.  Many familes choose to live in Niceville because they have some of the best public schools in the state of Florida.  Feel free to call or email me with any questions about Bluewater Bay Real Estate.   03/22/2011

MLS#: 551470 OfficeFile#: ListPrice: $59,900 Status: Active ApproxSF: 980 BG: Address: 1010 EVERGLADES DR $/Sqft: $61.12   NICEVILLE, FL Bedrooms: 2 Zip: 32578 Baths Full/Half: 2/ County: OKALOOSA Stories: 1 MainArea: 13 Niceville YearBuilt: 1977 SubArea: 04 SO OF 20 TO VALP BLVD OccStat: Vacant Subdiv: BAYSHORE S/D ImmOcc? Y ParcelID: 17-1S-22-3090-0005-0060 ConstrStat: Construction Complete ElemSch: PLEW Middle: RUCKEL High: NICEVILLE Dir: From Val-p blvd, turn on to linden ave. Going south, make a right on Everglade and its down on the left. 1010 Legal: Bayshore Lot 6 blk 5 1002-564 This is a unique mobile home park that is well maintained. Great Location in a Quiet Community.The community features a nice pool, laundry mat, and community center for entertaining. This lot is across f... 02/01/2011

REO Services REO Services Our Philosophy The marketing of a foreclosed property is filled with far more complexity than the marketing of an owner-occupied home. Foreclosed properties are usually vacant, often require rehabilitation, and need constant, ongoing supervision and maintenance. Therefore, we do more than merely list a foreclosed property for sale. Our goal is to provide you, the asset manager, with a detailed property supervision program coupled with an effective marketing plan to procure a quick yet firm sale at the best possible price. Our services range from occupancy verification and GSE-approved inspections to cash-for-relocation services, as well the preservation and maintenance of REO properties. We feel that our background in this field gives us the expertise necessary... 01/22/2011

Wells Fargo just approved this home in The Woodlands, Bluewater Bay, Niceville Florida, for a VA Compromise Sale.  A VA Compromise Sale is similar to a short sale. The process is not always "smooth", and this one had a few issues, too.   The Problem:VA appraised the home for more than the contract price. The buyer would not increase his offer to meet the VA required net proceeds of 88.13% of the appraisal. Since the buyer would not pay more for the property, could the seller make up the difference? Normally, the answer is "no".  VA frowns upon the seller bringing funds to closing, since a VA Compromise Sale is supposed to be a hardship situation.The Solution: We were allowed to go forward by providing a "gift letter" supporting seller bringing funds to closing that were "gifted", not l... 12/16/2010

To become a Florida Real Estate Broker, one of your first decisions is whether to take a Florida broker real estate course in-class or online. Adding to that challenge is choosing a provider that gives you the highest chance for success in passing your Florida real estate exam on your first try. Choosing an education provider with a Proven Track Record Guarantees you have the foundation of knowledge to succeed.With Rowlett Real Estate School, ou can be on your way to becoming a Florida Real Estate Professional in just One Click of the mouse! visit our website at  http://www.rowlettrealestateschool.com/fl-schedule.htm  and you will find a full schedule of Florida Real Estate training classes in Destin Florida and in Panama City Florida. Captain Wayne Rowlett is the top professional real ... 11/28/2010

MLS#: 534479 OfficeFile#: ListPrice: $290,000 Status: Active ApproxSF: 2,345 BG:0 Address: 2407 MARTIN DR $/Sqft: $123.66 NICEVILLE, FL Bedrooms: 4 Zip: 32578 Baths Full/Half: 3/1 County: OKALOOSA Stories: 1 MainArea: 13 Niceville YearBuilt: 1975 SubArea: 06 ROCKY BAYOU AREA OccStat: Occupied Subdiv: ROCKY BAYOU ESTATES 03 ImmOcc? ParcelID: 10-1S-22-2832-000G-0010 ConstrStat: Construction Complete ElemSch: PLEW Middle: RUCKEL High: NICEVILLE Dir: Hwy 20 to North on Edgewater Dr. Left on Martin Dr. First house on the left. Legal: ROCKY BAYOU EST #3 LOT 1 BLK G 823-95 WOW!! OVER AN ACRE LOT WITH 4BR BRICK HOME. ALL BED ROOMS HAVE WALK IN CLOSETS. KITCHEN HAS BAY WINDOW THAT LOOKS OUT TO THE HUMMING BIRD GARDEN. FORMAL LIVING AND DINING ROOM. GREAT FAMILY ROOM WITH SLIDING GLASS DOOR TO L... 07/04/2010

This beautiful wooded lot on Capri Cove, Lido Village, just sold for $75,000 as a short sale. The parcel is one-half acre on a cul-de-sac.  This great location in Bluewater Bay is a quick walk to the Bluewater Bay Tennis Center with 12 clay courts. Also, nearby- the Bluewater Bay Marina with 120 slips plus Schooner's restaurant.  Bluewater Bay is a phenomenel community with pools, golf, trails, playgrounds and more. Niceville Florida is the perfect commuting location for Eglin Air Force base, and just over the bridge from Destin Florida beaches and shopping. If you need to sell your Bluewater Bay property as a short sale, consider hiring an experienced Niceville short sale agent.   It's Wendy! Wendy Rulnick, Broker, Rulnick Realty, Inc. Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or... 06/16/2010

MLS#: 534479 OfficeFile#: ListPrice: $290,000 Status: Active ApproxSF: 2,345 BG:0 Address: 2407 MARTIN DR $/Sqft: $123.66   NICEVILLE, FL Bedrooms: 4 Zip: 32578 Baths Full/Half: 3/1 County: OKALOOSA Stories: 1 MainArea: 13 Niceville YearBuilt: 1975 SubArea: 06 ROCKY BAYOU AREA OccStat: Occupied Subdiv: ROCKY BAYOU ESTATES 03 ImmOcc?   ParcelID: 10-1S-22-2832-000G-0010 ConstrStat: Construction Complete ElemSch: PLEW Middle: RUCKEL High: NICEVILLE Dir: Hwy 20 to North on Edgewater Dr. Left on Martin Dr. First house on the left. Legal: ROCKY BAYOU EST #3 LOT 1 BLK G 823-95 WOW!! OVER AN ACRE LOT WITH 4BR BRICK HOME. ALL BED ROOMS HAVE WALK IN CLOSETS. KITCHEN HAS BAY WINDOW THAT LOOKS OUT TO THE HUMMING BIRD GARDEN. FORMAL LIVING AND DINING ROOM. GREAT FAMILY ROOM WITH SLIDING GLASS DOOR ... 04/11/2010

< Tucked away in Blue Pine Village. Great location and this home offers many upgrades some of the kitchen upgrades tumbled-stone countertops,New appliances in the kitchen include Fridge,Stove,Dishwasher.Custom landscaping and beautiful stone-faced fireplace. This home offers a privacy fenced backyard and sprinkler sys & well. Master BR has private door to patio and large walk-in closet. Dining room offers custom sliding glass door to the back to the patio. Guest bath has a cheerful leaded-glass window. All ceiling fans in the home are new ,Roof replaced within the last 5 years, New windows just installed,Vinyl siding covers exterior walls offering low maintenance. $8,000 First time Homebuyer US TAX CREDIT!       Room Type Lvl Dimnsns LivingRoom 1 20x13   Design: Ranch DiningArea 1 12x1... 01/19/2010

MLS#: 516046 OfficeFile#: 8438 ListPrice: $449,000 Status: Sold ApproxSF: 2,736 BG: Address: 143 MULRY DR $/Sqft: $162.65   NICEVILLE, FL Bedrooms: 4 Zip: 32578 Baths Full/Half: 3/ County: OKALOOSA Stories: 1 MainArea: 13 Niceville YearBuilt: 1999 SubArea: 06 ROCKY BAYOU AREA OccStat: Occupied Subdiv: ROCKY BAYOU ESTATES 14B ImmOcc? N ParcelID: 09-1S-22-5027-000E-0260 ConstrStat: Construction Complete ElemSch: PLEW Middle: RUCKEL High: NICEVILLE Dir: Hwy 20 to Rocky Bayou Drive. Turn left on Roscommon. Then left on Mulry. Home is on your left at the end in the cul-de-sac. Legal: ROCKY BAYOU EST 14B LOT 26 BLK E This Rocky Bayou Estates home sits on a 3/4 acre lot with gorgeous trees, shrubbery, and flowers plus a greenbelt behind. The curb appeal is excellent with a large front porch a... 01/03/2010

MLS#: 513553 OfficeFile#: WEB#926 ListPrice: $425,000 Status: Sold ApproxSF: 2,700 BG: Address: 144 WINDING WATERS WAY $/Sqft: $153.33   NICEVILLE, FL Bedrooms: 3 Zip: 32578 Baths Full/Half: 3/ County: OKALOOSA Stories: 1 MainArea: 13 Niceville YearBuilt: 2000 SubArea: 06 ROCKY BAYOU AREA OccStat: Occupied Subdiv: SWIFT CREEK PH 1 ImmOcc? N ParcelID: 04-1S-22-4401-0000-0090 ConstrStat: Construction Complete ElemSch: EDGE Middle: RUCKEL High: NICEVILLE Dir: Hwy 20 to north on Partin Drive.. to the main entrance to Swift Creek onto Winding Waters Way. 144 Winding Waters will be on the right on the corner of a small cul-de-sac. Legal: Swift Creek PH 1 Lot 9 Back on the market with a 24-hour "first-right-of-refusal" till Buyer can offically remove ALL contingencies. Light, bright, and beau... 01/03/2010

MLS#: 427428 OfficeFile#: ListPrice: $425,000 Status: Sold ApproxSF: 2,667 BG: Address: 4190 MOSSY COVE COURT $/Sqft: $149.98   NICEVILLE, FL Bedrooms: 4 Zip: 32578 Baths Full/Half: 3/ County: OKALOOSA Stories: 1 MainArea: 13 Niceville YearBuilt: 2007 SubArea: 08 BLUEWATER BAY AREA OccStat: Occupied Subdiv: ROCKS COVE SUBDIVISION ImmOcc?   ParcelID: 15-1S-22-1220-0000-0120 ConstrStat: Construction Complete ElemSch: PLEW Middle: RUCKEL High: NICEVILLE Dir: Hwy 20 to Bay Dr. Take Bay Dr. approximately 2 miles to just before the Marina. Turn right on Ward Cove Drive. Subdivision starts on left side of street. Legal: Rockscove Subdivision Lot 12 New 21 lot prestigious subdivision in bluewater bay in a great location across from the Bluewater Bay marina and just minutes from the mid bay bri... 01/03/2010

MLS#: 498754  OfficeFile#: WEB#861 ListPrice: $415,000 Status: Sold ApproxSF: 3,000 BG:0 Address: 1408 ERNEST HEMINGWAY DR $/Sqft: $129.00   NICEVILLE, FL Bedrooms: 4 Zip: 32578 Baths Full/Half: 3/0 County: OKALOOSA Stories: 1 MainArea: 13 Niceville YearBuilt: 1997 SubArea: 08 BLUEWATER BAY AREA OccStat: Occupied Subdiv: MAGNOLIA PLANTATION AT BLUEWATER BAY ImmOcc? Y ParcelID: 15-1S-22-2117-0000-0020 ConstrStat: Construction Complete ElemSch: PLEW Middle: RUCKEL High: NICEVILLE Dir: Hwy. 20 East, right into Magnolia Plantation, left at traffic circle and right on Ernest Hemingway. Legal: MAGNOLIA VILLAGE PH 1 LOT 2 What a great buy! This executive style home is located in the beautiful gated community of Magnolia Plantation in Bluewater Bay. Located on the 9th tee of the Magnolia cours... 01/03/2010

MLS#: 518772 OfficeFile#: ListPrice: $247,000 Status: Sold ApproxSF: 1,882 BG: Address: 409 BIMINI WAY $/Sqft: $131.24   NICEVILLE, FL Bedrooms: 4 Zip: 32578 Baths Full/Half: 3/ County: OKALOOSA Stories: 2 MainArea: 13 Niceville YearBuilt: 1984 SubArea: 08 BLUEWATER BAY AREA OccStat: Vacant Subdiv: CARIBBEAN VILLAGE EAST 3 ImmOcc? Y ParcelID: 23-1S-22-4763-000I-0030 ConstrStat: Construction Complete ElemSch: BLUEWATER Middle: RUCKEL High: NICEVILLE Dir: HIGHWAY 20 EAST. RIGHT ON BLUEWATER BLVD. LEFT ON CARIBBEAN WAY. LEFT ON BIMINI WAY. HOUSE ON LEFT SIDE OF STREET. Legal: CARIBBEAN EAST UNIT 3 LOT 3 BLK I You MUST SEE this lovely, updated home on nearly a half acre lot, with a Wrap-Around Porch! Conveniently located in Bluewater Bay - AND in the Bluewater Elementary school zone! It ha... 01/03/2010