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Why You Need to Get Pre-Approved Before Home Shopping

Shopping for a new home in Panama City and Panama City Beach may be an exciting new venture, but serious home buyers should start the process in a lender’s office, not at an open house. As a potential buyer, you’ll benefit in several ways by initially consulting with a...

First Time Home Buyers Tips

So, you’ve decided that now is the time for you to purchase your first home.  Taking this step is not only thrilling but also a little daunting and overwhelming at times.   Making an investment in your future is a process and having the knowledge of what to expect can...

What a Difference 50 years Makes

In 1966, a gallon of gas was $0.32 and today, it is $2.49. A dozen eggs were $0.60 but they’ve only doubled to $1.33. A gallon of milk was $0.99 and today, it costs $3.98. You could send a letter for five cents and now, it costs forty-seven cents....

It Isn’t Final Until It’s Funded

It Isn’t Final Until It’s Funded Mortgage approval isn’t final until it’s funded.  Things can change prior to the loan being closed that can affect a pre-approval such as changes in the borrowers’ financial situation or possibly, factors beyond their control like interest rate changes. The benefits of buyer’s...

The Obvious Alternative Investment

The Obvious Alternative Investment Rental homes can be a natural alternative investment choice for homeowners because they are already familiar with houses. Maintenance on a rental is not that much different than on your personal home. The same plumbers, painters and other workmen can be used to make repairs....

Pre-Qualification vs Pre-Approval

Pre-Qualification vs Pre-Approval Two often confused terms in the home buying process are a mortgage pre-qualification and a home loan pre-approval. Even some Loan Originators and Realtors will use the terms incorrectly, so here’s what you really need to know about each one. Pre-Qualification A mortgage loan pre-qualification is...

Interest Rates

Rates continue to remain at record lows.  With all the distractions in the market ( Government slowdown), the 10 yr Yield is sitting still in the 2.60 range.  Conventional 30 yr fixed rates range from 4.25%-4.5%.  The 15 yr rates range from  3.25%-3.5%.   Consumers need to take advantage of...

Home Buying Tips

Home buying tips from real-estate professionals We work with first time home buyers and seasoned pros. There are several things you should keep in mind when buying a home. Follow these simple tips to make your home buying purchase easier. 1.      Choose an Agent Looking for a real estate...

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