Rate Sheet July 23, 2010 Conventional Rates based on a loan amount of $200,000 with 720 Credit Score Conventional Loans with PMI require 720 Score VA/FHA/USDA Rates based on a $200,000 with a 720 Credit Scores   Rate:               Term:             LTV:               Points/Origination:           Conventional:  4.375%         30 Years       90%                        None 3.875%         15 Years       90%                        None           VA :  4.25%           30 Years       100%                      None FHA:       4.25%           30 Years       96.5%                     None Rural Development (USDA): 4.75%           30 Years       100%                      None              FHA Limit for Bay County is $396,250.00 VA Limit is $417,000.00 USDA Income Limit $74,050 for 1 -4 People $... 07/26/2010

Free 63 hour Pre Sales Associate Course For Our Troops in Panama City, Florida on July 16th 2010. Captain Wayne Rowlett and Rowlett Real Estate School would like to show our appreciation and gratitude to the members of our Armed Forces who have served our country in Iraq or Afghanistan, by offering "for free" the Florida classroom 63 hour Real Estate course. We will also extend this offer to the spouse of any member of the armed forces who is currently serving in Iraq or Afghanistan. (OEF/OIF Vets)  Free Course for our troops.  click here. 07/10/2010

At Corporate Housing, Inc., we have provided furnished temporary apartments nationwide for over 17 years, including Panama City, FL. Because we specialize in helping people and corporations find furnished temporary apartments in Panama City and all along the Gulf Coast, we want to make sure that if you are a real estate agent looking for a furnished temporary apartment for a client in Panama City, or anywhere in Florida or the Gulf Coast, you can depend on us to help. Put our experienced leasing agents to work to help find short and long-term furnished temporary apartments. Because we work and live in hurricane country, we know how to be responsive during times of emergencies such as hurricanes or the Gulf Oil Spill. Whether you need a temporary apartment in Panama City, Pensacola, Pas... 07/02/2010

This bank owned foreclosure is a MUST SEE! The home is in a very desirable neighborhood and just minutes from the beach, shopping, Tyndall Air Force Base, the Navy Base, and industrial areas of Panama City, Florida.  Don't wait to call me about this foreclosure...call TODAY for more information!   MLS#: 407859 OfficeFile#: ListPrice: $205,000 Status: Active Last Change: 06/28/2010 ApproxSF: 2,542 Address: 6806 FORSYTHE DR $/Sqft: $80.65   CALLAWAY, FL TotalRooms: Bedrooms:4 Zip: 32404 Baths Full/Half: 2/1 Con Docs:   Ownership/Sale Type: As Is, REO/Foreclosed MainArea: 05 BE-Bay County-East Stories: 1 SubArea: 0501 - Callaway/Parker/Springfield YearBuilt: 1994 Subdiv: CALLAWAY POINT OccStat: Vacant ParcelID: 07379-739-000 ImmOcc? Y     ConstrStat: ConstrCmplt ElemSch: Tyndall Middle: Ev... 06/29/2010

I would like to congratulate all of my students in our Panama City, Florida June 2010 Pre Sales Associate Class for a job well done.  We had a 100% passing rate.  I enjoyed meeting you all and hope to see you again. Wishing you all the best on your State Exam. ~ Captain Wayne Rowlettwww.RowlettRealEstateSchool.com "When things go wrong as they sometimes will,When the road you're trudging seems all up hill,When the funds are low and the debts are highAnd you want to smile, but you have to sigh,When care is pressing you down a bit,Rest if you must, but don't you quit.Life is queer with its twists and turns,As every one of us sometimes learns,And many a failure turns aboutWhen he might have won had he stuck it out;Don't give up though the pace seems slow--You may succeed with another blow,... 06/27/2010

Custom built home centrally located in Panama City, Florida. Only minutes from Tyndall Air Force, the Naval Activity Support Center, shopping and the beaches! Want more for your money? Then don't pass up this home built with the large family in mind!               MLS#: 406905 OfficeFile#: ListPrice: $275,000 Status: Active Last Change: 06/15/2010 ApproxSF: 2,905 Address: 3105 STATE AVE N $/Sqft: $94.66   PANAMA CITY, FL TotalRooms: Bedrooms:4 Zip: 32405 Baths Full/Half: 4/0 Con Docs:   Ownership/Sale Type:   MainArea: 02 BC-Bay County-Central Stories: 2 SubArea: 0204 - Northshore/Forest Park/Kings Point YearBuilt: 2006 Subdiv: ST. ANDREWS BAY DEV. CO. OccStat: Occupied ParcelID: 11782-030-000 ImmOcc? Y     ConstrStat: ConstrCmplt ElemSch: Hiland Park Middle: Mowat High: Bay Dir: From 3... 06/23/2010

Captain Wayne Rowlett welcomes you to the finest Florida Real Estate School with the lowest affordable prices. Here you will find a complete classroom schedule of real estate courses offered in Panama City, Florida to meet all your licensing requirements. Classroom Schedule and Locations Click here for Schedule & Pricing           Pre - Sales * Associate Panama City May 14, 15, 16, 17 & 22, 23, 24           Pre - Sales * Associate Panama City June 18, 19, 21 - 24, 25, 26, 27           Pre - Sales * Associate Panama City July 16, 17, 18, 19 - 24, 25, 26           Pre- Broker Panama City June 7, 8, 9, 10 - 14, 15, 16, 17           Post Sales Associate Panama City Aug 9, 10, 11, 12, 13           Post Broker Management Panama City Aug 16, 17, 18           Post Broker Investment Panama City ... 05/30/2010

Rowlett Real Estate School offers you the best prices for the Florida Online Reactivation course.  Click on Florida 28 hr Reactivation online course and you will find we offer this course for only $89.95.  This course fulfills the 28 hours of education needed to reactivate your Florida Sales Associate and Broker licenses and is for Florida licensees who have been involuntary in active for more than 12 months but less than 24 months. If you are less than 12 months late you can take the 14 hour continuing educationcourse, if you go beyond 24 months without renewing your license then it will become void. You will then have to apply for a license all over again and do the 63 hour sales associate pre license course.You may take our Florida reactivation course from ANY computer connected to t... 05/17/2010

Beginning on May 14th in Panama City, Florida,  Rowlett Real Estate School is offering free Registration for Military Personal and Veterans for our FREE FLORIDA 63 hr. PRE SALES REAL ESTATE COURSE.  Class will begin May 14th and will meet at the Bay County Association of Realtors Building on Harrison Avenue in Panama City, Florida.  Please visit our schedule for more details at www.ourclassschedule.com Welcome Military Personal and Veterans: Rowlett Real Estate School would like to show its appreciation and gratitude to the members of our Armed Forces who have served our country in Iraq or Afgahanistan, by offering this free career opportunity to become a licensed Real Estate Associate.     We are proud to provide "for free" the Florida classroom 63 hour Real Estate course for those who... 05/08/2010

It's amazing how bombarded we have become over the last few months with prospective home buyers wanting to contact us in regards to purchasing homes in the Panama City area. We all know that the Home Buyers Credit is due to expire very soon, and due to this a lot of people are scrambling to get in contact with an aggressive buyers agent. A good amount of these people need assistance now, to be able to buy their homes as soon as possible. These people truly need an agent whom has the time and experience to respond to these inquiries. We have learned that persistence has proven to pay dividends with these inquiring families and individuals. If you are serious about having the ability to increase the amount of prospective home buyers you contact each month, we would love the chance to tal... 04/09/2010

April 09, 2010 Be ready when opportunity comes...Luck is the time when preparation and opportunity meet. ~ Roy D Chapin, Jr. April 10, 2010 The first law of success is concentration - to bend all the energies to one point, and to go directly to that point, looking neither to the right nor the left. ~ William Matthews      *************************************************************************************  Rates are still low and home prices are affordable. Please give me a call so we can start your new home search today!    Lynn is a licensed Realtor in Florida and Georgia.      04/09/2010

Bonus quote for March 31, 2010: Obstacles cannot crush me. Every obstacle yields to stern resolve. He who is fixed to a star does not change his mind. ~ Leonardo Da Vinci     *************************************************************************************  Rates are still low and home prices are affordable. Please give me a call so we can start your new home search today!    Lynn is a licensed Realtor in Florida and Georgia.    03/31/2010

March 31, 2010: If a man does not keep pace with his companions, perhaps it is because he hears a different drummer.  Let him step to the music which he hears, however measured or far away.  ~ Henry David Thoreau     *************************************************************************************  Rates are still low and home prices are affordable. Please give me a call so we can start your new home search today!    Lynn is a licensed Realtor in Florida and Georgia.    03/31/2010

March 12, 2010 Don't burn bridges. You'll be surprised how many times you have to cross the same river. ~ Jackson Brown, Jr March 15, 2010  Winning isn't everything. Wanting to is! ~ Catfish Hunter     *************************************************************************************  Rates are still low and home prices are affordable. Please give me a call so we can start your new home search today!    Lynn is a licensed Realtor in Florida and Georgia.      03/15/2010

Captain Wayne offers a free listing website called CaptainMLS at www.CaptainMLS.com for you to list your property for sale and get Nation wide exposure.  Captain Wayne will also extend to anyone who is interested, a FREE coupon code to list your property in the featured section of our website.  CaptainMLS registration is FREE.  Listing and searching property is FREE. This free offer will not automatically renew or turn into a paid ad.  We do not ask for any Credit Card information.  If you would like to take advantage of this FREE offer to list your property in the Featured section of CaptainMLS, just register online on our website at www.CaptainMLS.com and Captain Wayne will send you a free Coupon code to Feature your property for 6 months!  Captain Wayne Rowlett is a Real Estate Train... 03/14/2010

March 08,2010: Celebrate what you've accomplished, but raise the bar a little higher each time you succeed.  ~ Mia Hamm   March 07, 2010: They always say time changes things, but you actually have to change them yourself.  ~ Andy Warhol     *************************************************************************************  Rates are still low and home prices are affordable. Please give me a call so we can start your new home search today!    Lynn is a licensed Realtor in Florida and Georgia.    03/08/2010

Quote for March 05, 2010 Success is not final, failure is not fatal; it is the courage to continue that counts. ~ Winston Churchill Quote for March 06, 2010 To admit you were wrong is to declare you are wiser now than before. ~ Unknown       *************************************************************************************  Rates are still low and home prices are affordable. Please give me a call so we can start your new home search today!    Lynn is a licensed Realtor in Florida and Georgia.      03/05/2010

What are your thoughts? Fox and Friends this morning quoted Robert Shemin, one of America's top real estate educators as having stated "Sometimes it is best to just walk away from your mortgage."  Just turn your keys over...  He is not the first that I have heard recommend this course of action.  But he is the most responsible so far that I have heard... He states that one of the biggest obstacles to just walking away is our sense of responsibility.  We have psychological and ethical values that make it hard for us to walk away from a mortgage that we agreed to pay.  This makes sense because the majority of folks out there are not irresponsible human beings.  But not being able to pay their mortgage has caused many unlimited stress.  And sometimes, to be able to start over, you might ha... 02/28/2010

5 sensible credit card management tips: 1. Maintain prompt payment status with your credit card company. Demonstrating that you can responsibly meet your current credit obligations is the number one behavior that will impact your standing with the credit card company and your credit score. By missing or being late on a payment, you will incur fees, potentially increase your interest rate and lower your overall credit score. 2. Pay down high balances to improve credit card utilization. This will show that you can responsibly manage your credit limit, minimizing the chance of higher tiers of interest rates or reductions in credit limit. Additionally, better credit utilization will help boost your credit score. 3. Maintain activity on your credit card accounts. By using the revolving credi... 02/21/2010

Captain Wayne Rowlett would like to thank and congratulate all the students who took our 45 hour post sales  associciate  course in Panama City, Florida this week.  We had a 100% passing rate!  It was a great class and I enjoyed getting to know each and every one of you.  Thank you for choosing Rowlett Real Estate School.  ~Captain Wayne Rowlett 02/21/2010