Real Talk with Joyce

06.11.2013, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Tue, 11 Jun 2013 21:54:56 -0700

06.11.2013, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

$600K phone bill? Real estate agent: 'Not my fault'

Many people protect their computers from hackers and viruses, but a phone line can also be hijacked. Watch out for these red flags. Read more.

U.S employers add 175K jobs, rate up to 7.6%

Labor Dept.: The unemployment rate ticked up slightly from April's 7.5%, but it may be due to more people looking for work - and that's a healthy sign. 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 Moving Van or a $25. or Gift Certificate. Be sure to ask about FREE Rent 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..

EXPERIENCE the DIFFERENCE…

Call 800-309-3414 for Joyce Kelley CBR, CBA, Buyers Agent for Charles Stallions. I only work with buyers and tenants so you get my undivided attention, expert advice on what a home is worth not what a seller or Landlord thinks it is worth. Whether you would like to see one home or ten count me in because it is all I do. I have an appraiser, title company, pest control man, general contractor and most important 3 specialized lenders on speed dial and at your beckon call.

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.11.13, Over the Back Fence with Joyce Kelley, Pensacola Homes 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.11.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Tue, 11 Jun 2013 21:52:38 -0700

06.11.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Fla. consumer confidence hits post-recession high

UF: Consumer attitudes in Fla. haven't been this high since Aug. 2007. Confidence index rises for third month in a row, topping out at 82 in May. Read more.

Gov. Scott signs ban on texting while driving

Realtors spend a lot of time in cars and need to return calls quickly, so they're under pressure to text while driving. But don't. After Oct. 1, it's illegal. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.11.13, Over the Back Fence with Joyce Kelley, Pensacola Homes 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.10.13 Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Mon, 10 Jun 2013 08:08:50 -0700

06.10.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Fannie Mae and Freddie Mac extend loan programs

Homeowners can now use the Home Affordable Modification Program (HAMP) or the streamlined modification initiative through 2015. Read more.

Bad short sale info hurting buyers’ credit scores

In theory, some short-sellers could again qualify for a mortgage. But Fla. Sen. Bill Nelson says too many credit scores list a short sale as a foreclosure. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.10.13, Over the Back Fence with Joyce Kelley, Pensacola Homes 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.09.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Mon, 10 Jun 2013 08:01:06 -0700

06.09.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Some owners chip away at mortgage with credit card

Wells Fargo's Home Rebate card allows users to pay down mortgage principal each time they charge something. Lender says $50M forgiven since its 2007 debut. Read more..

Rate on 30-year mortgage jumps to 3.81%

A Fed program to keep low rates continues, but the 30-year FRM spiked significantly higher this week after a few Fed members expressed doubts about it. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.09.13, Over the Back Fence with Joyce Kelley, Pensacola Homes 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.08.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Sun, 09 Jun 2013 09:31:45 -0700

06.08.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Make a 'disaster' less disastrous by preparing

5 months and 26 days left in the 2013 hurricane season: Visit Florida Realtors' Disaster Resources webpage for info to help prepare now or recover later. Visit webpage.

How small businesses can avoid loan rejection

A good credit rating isn't just for homebuyers - thousands of small businesses get turned down every week. Preparation is key to success. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.08.13, Over the Back Fence with Joyce Kelley, Pensacola Homes 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.07.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Sun, 09 Jun 2013 09:25:26 -0700

06.07.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Many Americans find errors in credit reports

Findlaw.com study: About 1/4 find issues, with the most common being incorrect or outdated credit and personal info; 68% who find errors are able to fix them. Read more.

Some owners chip away at mortgage with credit card

Wells Fargo's Home Rebate card allows users to pay down mortgage principal each time they charge something. Lender says $50M forgiven since its 2007 debut. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.07.13, Over the Back Fence with Joyce Kelley, Pensacola Homes 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.06.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32566

Sun, 09 Jun 2013 09:06:05 -0700

06.06.13, Over the Back Fence with Joyce Kelley, Pensacola homes 32566

Homes For Sale, Buyers Rebates, Free Foreclosure List

U.S. ethnic groups value homeownership

Survey: The American Dream lives within many ethnic groups; 52% of Hispanic renters and 46% of African Americans, for example, are saving for a downpayment. Read more.

72,000 Floridians to get $1,480 check this month

Fla. Attorney General Pam Bondi said the money is foreclosed-upon ex-homeowners' share of the $25 billion national mortgage settlement case. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.06.13, Over the Back Fence with Joyce Kelley, Pensacola Homes 32566, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.06.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Sun, 09 Jun 2013 09:02:09 -0700

06.06.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Some owners chip away at mortgage with credit card

Wells Fargo's Home Rebate card allows users to pay down mortgage principal each time they charge something. Lender says $50M forgiven since its 2007 debut. Read more..

Wall Street goes shopping in weak housing markets

Today's market - with investors paying cash for many listings - is uncharted territory. Home demand will change, but even experts aren't sure what comes next. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.06.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.05.2013, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Sun, 09 Jun 2013 08:39:11 -0700

06.05.2013, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Realtors tout Fla. real estate investment in Spain

The SIMA 2013 Madrid International Real Estate Exhibition last week drew more than 20,000 people; potential buyers asked about locales across the state. Read more.

Real estate investors respond to rising prices

Survey: Investors generally expect to buy fewer properties over the next 12 months, but half say they'll keep the rentals they own at least five years. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.05.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.05.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Sun, 09 Jun 2013 08:27:47 -0700

06.05.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

U.S. home prices jumped in April by most in 7 years

CoreLogic: Home prices soared 12% in April year-to-year and 3.2% month-to month - the biggest gain since Feb. 2006 as buyers competed for fewer listings Read more.

U.S. Census releases new home stats

What do buyers want today? A massive database that goes back to 1973 shows trends by nation, state and city - a reflection of changing consumer demand. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.05.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561, Pace, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.04.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566

Sun, 09 Jun 2013 08:07:11 -0700

06.04.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566

Homes For Sale, Buyers Rebates, Free Foreclosure List

Gov. Scott signs workforce housing bill

Bill divides $200M of bank settlement money among programs that support workforce housing, including $40M for downpayments and emergency repairs. Read more.

IRA can help a retiree qualify for a mortgage

A policy revision at Freddie Mac and Fannie Mae allows seniors to include money in their individual retirement account (IRA) or 401(k) to qualify for a mortgage. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.04.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566, Pace

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.03.2013, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Tue, 04 Jun 2013 20:43:54 -0700

06.03.2013, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Fla.'s largest private property insurer fined $1.3M

State Office of Insurance Regulation says Universal Property and Casualty violated state law, mistreated customers and shifted profits to affiliates for years. Read more.

Gov. signs property insurance bill into law

The 75-page law includes a Florida Realtors priority: a clearinghouse to confirm that an applicant qualifies for the state-owned insurer, Citizens Property Ins. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.03.2013, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.03.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Tue, 04 Jun 2013 20:37:27 -0700

06.03.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

Florida TaxWatch sees international opportunities

According to analysts, over half Fla.'s current investment comes from Europe, but Latin America offers untapped opportunity. EB-5 visa could be used more. Read more.

Feds tinker with QM rule's ability-to-repay

The federal government's Consumer Financial Protection Bureau created guidelines for a qualified mortgage (QM), but it eased a few of the rules. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.03.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.02.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566

Sun, 02 Jun 2013 14:27:13 -0700

06.02.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566

Homes For Sale, Buyers Rebates, Free Foreclosure List

Survey: 1 in 3 buyers search for over a year

While 42% of home searchers made an offer in past six months, only 11% had an offer accepted, according to Harris Interactive survey for Century 21. Read more.

Six-month hurricane season starts tomorrow

UF's 140-page "Florida Homeowner Handbook" goes beyond batteries and water, with details on bolstering a home's defense - a great free gift for clients. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.02.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.01.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566

Sun, 02 Jun 2013 06:26:53 -0700

06.01.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32566

Homes For Sale, Buyers Rebates, Free Foreclosure List

Bad short sale info hurting buyers’ credit scores

In theory, some short-sellers could again qualify for a mortgage. But Fla. Sen. Bill Nelson says too many credit scores list a short sale as a foreclosure. Read more.

April foreclosure inventory drops 24% year-to-year

CoreLogic: Month-to-month, inventory fell 2%. Meanwhile, completed foreclosures dropped 16% year-to-year but roughly equaled March 2013 numbers. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.01.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561, Pace

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

Zillow Buying a home, 2706 W. Blount Street, Pensacola Fl 32504

Sun, 02 Jun 2013 06:21:54 -0700

Zillow Buying a home, 2706 W. Blount Street, Pensacola Fl 32504

	ML: 436011p RES A	2706 W BLOUNT ST W, PENSACOLA	PR:	$64,900
	NONE NONE	ApxSqft:	864
BR: 2

BA:F:1H:0 Style:TraditionalAcre:0.15 GAR:1 Car CarportYrBlt:1931DR: E O CERVANTES N ON PACE BLVD LFT ON W BLOUNT$/Sqft:$75LO: CHARLES STALLIONS RE SERVICES

REMODELED HOME; CENTRAL AIR AND UPDATED ELECTRICAL. NICE YARD COMPLETELY FENCE WITH ONE CAR CARPORT. ZONED C-2 GREAT POSSIBILITIES!

Homes For Sale, Buyers Rebates, Free Foreclosure List

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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

Zillow Buying a home, 2706 W. Blount Street, Pensacola Fl 32504, Pace

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

06.01.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Sun, 02 Jun 2013 05:19:18 -0700

06.01.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

U.S. consumer confidence hits five-year high

Increased confidence among Americans reflects a solid economy - but it also fuels an even stronger rebound as people relax and spend their money. Read more.

Fla. students get $118,800 in scholarships

Awards go to 96 young people from across the state to help them "realize their goals for the future," says Florida Realtors Education Foundation chair. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

06.01.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561, Pace

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

05.31.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Sun, 02 Jun 2013 05:16:09 -0700

05.31.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561

Homes For Sale, Buyers Rebates, Free Foreclosure List

New home sales up near record: 2.3% in April

It's the second highest sales level in five years - since summer 2008. Median sales price hit its highest level since recordkeeping began in 1993: $271,600. Read more.

Fed bond buying has big impact on mortgage rates

The Federal Reserve Board has supported low mortgage rates at a cost of $85B per month, making a policy change decision - when to stop - critical for buyers. 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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

05.31.13, Over the Back Fence with Joyce Kelley, Pensacola Real Estate 32561, Pace

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

Zillow Buying a home, 6514 Bellview Pines Dr., Pensacola Fl 32505

Sat, 01 Jun 2013 22:33:34 -0700

Zillow Buying a home, 6514 Bellview Pines Dr., Pensacola Fl 32505

	ML: 422027m RES A	6514 BELLVIEW PINES DR, PENSACOLA	PR:	$70,000
	BELLVIEW PINES NONE	ApxSqft:	1,431
BR: 4

BA:F:2H:0 Style:RanchAcre:0.25

GAR:Drive Only YrBlt: 1985 DR: FROM MICHAGAN AVE GO N ON CHICAGO, TO E ON BELLVIEW PINES PLACE-FOLLOW TO THE END, THEN MAKE LEFT ON BELLVIEW PINES ROAD. HOME WILL ON RGT. $/Sqft: $49 LO: CHARLES STALLIONS RE SERVICES

***A MUST SEE!!!*** Lots of updates to this great home!!! Beautiful 12" Italian ceramic tile throughout with Mohawk carpets in the bedrooms (installed October 2005 & September 2007) * White ceramic tile in bathrooms * Ceiling fans in every room * Kitchen features custom tiled countertops, deep white ceramic double sink, dishwasher, gas oven/stove (May 2005) and refrigerator (August 2006) * Double-pane windows throughout (December 2004 & August 2005) * Remodeled Master Bath * Cozy corner wood-burning fireplace in living room * Storm door * Inside laundry * Converted garage * All appliances convey (including washer/dryer) * Cellular security system (no need for a land line!) with fire alarm and carbon monoxide detector * Home warranty * Roof replaced BEFORE Ivan and Dennis with new hurricane standards and didn't lose a shingle! * Newer A/C condenser (August 2007) * Back yard has partial privacy fence with double-gate entrance (August 2007), the rest is chain link * Yard building/workshop has electricity * Septic system has expanded drainage field (May 2010) *

Homes For Sale, Buyers Rebates, Free Foreclosure List

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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

Zillow Buying a home, 6514 Bellview Pines Dr., Pensacola Fl 32505, Pace

, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

Zillow Buying a home, 1312 Panferio Drive, Pensacola Fl 32566

Sat, 01 Jun 2013 22:29:24 -0700

Zillow Buying a home, 1312 Panferio Drive, Pensacola Fl 32566

Homes For Sale, Buyers Rebates, Free Foreclosure List

	ML: 423915m RES A	1312 PANFERIO DR, PENSACOLA BEACH	PR:	$279,900
	NONE NONE	ApxSqft:	1,500
BR: 4 BA:F:3H:0		Style:Ranch	Acre:	0.28
	GAR:1 Car Garage	YrBlt:	1965
DR: East on Via De Luna. Left on Avendia 22. Left on Panferio. Second house on left.	$/Sqft:	$187
LO: CHARLES STALLIONS RE SERVICES

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.

EXPERIENCE the DIFFERENCE…

Military Relocation to Pensacola NAS and PCS and Navy Times Rentals

Zillow Buying a home, 1312 Panferio Drive, Pensacola Fl 32566, Military Relocation, Pensacola NAS, PCS, Navy Times, rebate, Rentals, buyers

Buy A Home, Zip Code 32570, 32571, 32583, Pace Homes For Sale

Wed, 29 May 2013 21:07:47 -0700

Pace Florida Homes 32571 for sale and Market Report for April 2013 brought to 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 Pace, 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 # 3 Buy A Home, Zip Code 32570, 32571, 32583, Pace Homes For Sale

STOP!! Do not buy or sell in Pace without finding what the True Market Value of the home is. Click to order your FREE no obligation Appraisal NOW!! You could save Thousands.

A Snapshot of the Pace, Florida Home Market

Available Homes = 220

FORECLOSURES/ Short Sales = 20

Current Homes Under Contract = 161

Homes Sold In Last 30 Days = 24

Average Days On The Market = 116

Average Sales Price =$183,008

Pace Florida Homes 32571 for sale and Market Report

TIP OF THE MONTH

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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. Buy A Home, Zip Code 32570, 32571, 32583, Pace Homes For Sale

Property Management for $50 Flat fee monthly

THOUSANDS OF HOMES.... One Address www.charlesstallions.com

Charles Stallions, CRS, CSP, CBR, CDPS, SREE, EREI - 800-309-3414, a leader in real estate investing, buying and selling. Lead Real Estate negotiator for several investment clubs as well as investors throughout the US. Call Charles for a list of references before buying or selling you what some consider being their largest investment. For over the phone evaluation and NO Obligation CALL NOW!, you have OPTIONS, we have FACTS, let’s TALK

______________________________________________________________________________________________

Looking for a home to rent, sell or buy in Pensacola, Pace or Gulf Breeze Florida then this site was designed with you in mind. E-mail charles@charlesstallions.com for a complete list of foreclosures, short sales, homes for sale or for rent in Pensacola, Pace or Gulf Breeze Florida area. Charles Stallions Real Estate Services located at 139 East Burgess Rd. Pensacola, Florida 32503 has a 12 member team, including experts on Loan Modifications, a Certified Residential Specialist, a Distressed Property Specialist with over fourteen years in real estate dealing in foreclosures, first time home buyer programs and investor sales. We offer full time, full service Property Management in Pensacola, Pace or Gulf Breeze Florida. Click here to view Homes for sale in Pensacola Florida or search pensacolamls for new homes on the market

Pace Florida Homes 32571 for sale and Market Report

Pace Florida Homes 32571 for sale and Market Report, Buy A Home, Zip Code 32570, 32571, 32583, Pace Homes For Sale , charles stallions real estate services, short sales and foreclosures

Buy A Home, Zip Code 32503, 32504, 32505, 32506, 32507, 32514, 32526

Wed, 29 May 2013 21:02:44 -0700

Pensacola Florida Homes for sale and Buyers Report for April 2013 brought to 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 Pensacola, 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 # 8.

STOP!! Do not buy or sell in Pensacola without finding what the True Market Value of the home is. Click to order your FREE no obligation Appraisal NOW!! You could save Thousands.

A Snapshot of the Pensacola, Florida Housing Market Buy A Home, Zip Code 32503, 32504, 32505, 32506, 32507, 32514, 32526

Available Homes = 1733

FORECLOSURES/ Short Sales = 274

Current Homes Under Contract = 665

Homes Sold In Last 30 Days = 218

Average Days On The Market =149

Average Sales Price = $185,989

Pensacola Florida Homes for sale and Market Report for April 2013

TIP OF THE MONTH

Would you like infomation on buying a Pensacola Foreclosure or a Pensacola Short Sale CLICK HERE

If you are thinking of selling

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THOUSANDS OF HOMES.... One Address www.charlesstallions.com

Flat Fee of $2995 to SELL or MLS $1495 + 3 %

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Survival kits for your car as a real estate agent

Sun, 26 May 2013 18:16:40 -0700

The Lori Bowers Group of La Quinta, CA shared a lot of details with us on putting together a survival kit and as a Pensacola Buyers Agent yuo can only imagine how many times a kit has come in handy.

If you leave a comment here please also leave a comment on the author's post. Thank you!

Via The Lori Bowers Group:

Here are must haves in your car for survival as a real estate agent:

Flashlight

First aid kit

Water

Sunglasses

Hat

Toys for kids

Paper and pen

Aspirin

Alka Seltzer

Magnifying glass

Sharpy marker

Granola bars

Towels

Broom and dust pan

Windex

Air freshner

Garbage bags

Bug spray

Screwdriver and pliers

LORI BOWERS

http://www.loribowers.com

The Lori Bowers Group

A boutique Real Estate Office, with a full service team to serve all your Real Estate Needs

La Quinta, Palm Desert, Indio, Rancho Mirage, Coachella , Indian Wells and the surrounding Palm Springs Area.

78120 Calle Estado Suite 103

Old Town La Quinta

La Quinta, CA 92253

Phone: (760)8311595• Fax: (760)771-5327

After Foreclosure - Can You Buy Another Home?

Sun, 26 May 2013 18:07:31 -0700

Eleanor Thorne of Cary, NC wrote a very good post and one that hits home for a lot of people and as a Pensacola Buyers Agent I wanted to share this with you as well. Good luck to all and Happy Blogging.

If you leave a comment here please also leave a comment on the author's post. Thank you!

Via Eleanor Thorne 919-649-5057 Cary Mortgage Loans (Steve Thorne NC Mortgage Experts):

If you are one of the millions of families that lost their home in the last couple of years to Foreclosure… you might think…

Been There – Done That

You might not want to own a home again!

But if you’re one of those folks who truly does want to purchase again, here’s some potentially good news.

USDA says that they will allow you to purchase a new home to owner occupy, after foreclosure if you’ve done the following things:

Wait 3 years from the date of the Foreclosure.

Re-establish Credit

Have Credit Scores that meet the guidelines (as of the date I am writing this, that means you need a 620 score.)

Here’s the other part… you need to DOCUMENT what happened, and why you ended up in a Foreclosure.

“FHA insured mortgages are generally not available to borrowers whose property was foreclosed on or given a deed-in-lieu of foreclosure within the previous three years. However, if the foreclosure of the borrower’s main residence was the result of extenuating circumstances, an exception may be granted if they have since established good credit…

This does not include the inability to sell a home when transferring from one area to another.” So you MIGHT be able to buy after two years.

My “real life” answer to this question is… in today’s credit environment, it’s going to be HARD to get a Bank to loan you money for a home if you had your home foreclosed upon less than 3 years ago. I know what the guidelines say, but Bank’s do not have to follow guidelines set by FHA.

FHA does not say you have to have a 620 credit score, but there are VERY few lenders who will allow you to purchase a home without at least a 620 score! There are some Banks that will not allow you to purchase with FHA if you have ANY lates on ANY accounts in the last 12 months! That’s not an FHA guideline, that’s a BANK rule, so again – I’d say - you might still be forced to wait 3 years, and have all of your documentation in order!

These guidelines are different from the Fannie Mae / Freddie Mac Conventional Guidelines… And these foreclosure guidelines are changing OFTEN… so I would not rely soly on information you get from an online site.

Call a loan officer.

If you are considering a mortgage loan in NC, call Steve and Eleanor Thorne, First Financial Services, 919-649-5058 we'd love to help answer your questions!

Big money investors buying foreclosures in bulk - a caution flag?

Sun, 26 May 2013 15:07:49 -0700

Did you get a chance to read this post by Esko Kiuru of Bethesda, MD, as the market moves to a sellers market I still think that it is a good thing that investors are buying up the foreclosures. As a buyers agent in Pensacola I am selling a lot of these to investors who in turn is turning them into rentals.

Via Esko Kiuru:

The housing market continues to display signs of slowly shedding its recent bad reputation and is actually gaining real recovery traction. Prices in many areas are firming up and even rising, listing inventories are shrinking, permits for new homes show improvement and mortgage money is still quite affordable, so long as the applicant manages to qualify under today’s rigorous underwriting guidelines.

Life seems to be good in the real estate business. And predictably getting better.

At least that’s what large investors like equity shops and hedge funds, among them Blackstone Group, Apollo Global Management and Colony Capital, firmly believe. They are now moving in aggressively to purchase REO – real estate owned - single-family houses in bulk in states such as Arizona, California, Florida and Nevada, the original four who were mauled rather severely when the infamous housing bubble let out all its hyped-up air. The recipe is simple. Acquire homes – hundreds and often thousands of them - on the cheap, turn them around, rent them out and according to their secret formula sell them later for a handsome gain. Billions have been and will be spent on this particular scenario. The pace is actually accelerating as the market metrics keep perking up.

It certainly will help banks and the likes of Fannie Mae and Freddie Mac to move foreclosed inventory from their books and refresh their balance sheets. Vacant and frequently tarnished REOs will be renovated and eventually occupied with tenants to stop potential further deterioration of the housing stock and also give affected neighborhoods a welcome lift, likely beginning to stabilize any value imbalances.

On the other hand, existing homeowners may have mixed feelings about a house four doors down being sold for, say, $200K less than what they paid for theirs. True, it has been fixed inside and out and will get occupants, but it still hurts. How long does it take for the real estate market to relieve them from their chilling underwater status? Are they reasonable candidates for a mortgage walkout? Possibly so. Besides, tenants generally spend less time and money in property upkeep than owner-occupants, so the price stability prediction may be longer than expected in coming.

It appears there is an actual investor rush on now to get in on the gravy train to acquire attractive housing assets with rosy future returns. It could well lead into another bubble as more and more institutional funds chase an apparently shrinking inventory. In fact, buying today may already be too late in several regions where values have gone up at least partly due to the demand generated by these bulk purchasers and the rent won’t be able to cover their mortgage and other costs.

Then what? The acquisitions come to a halt. The nascent housing upturn could well face a new no-growth period. Deep down this process somehow looks like an artificial remedy with little long-term foresight. A strong and sustainable real estate market is built on owner-occupied homes, some might argue. There certainly is some truth to that.

_______________________________________________________________________________

Provided by:

Esko Kiuru
Mortgage, real estate and apartment industry analyst

www.BluefoxToday.com - syndicated mortgage, housing and property management blog

eskokiuru@gmail.com
My cell: 702-499-1006