Jeff's Blog

Panama City Beach Short Sale, Million Dollar Views, Steps From The Beach

Thu, 19 Nov 2009 14:37:02 -0600

6712 Gulf Drive, Panama City Beach, FL Click on the address to see map

$400,000
4 bedrooms
2 Baths
2 kitchens

Could be used for 2 separate rentals. Just across the street from the World's Most Beautiful Beaches

Call us today for a private showing at 850-392-1770 or visit our website at www.KnowPayneKnowGain.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Not up to the challenge, DON'T Tell Charlie Wilks!

Wed, 11 Nov 2009 16:26:17 -0600

Last night while watching ESPN and feeling overwhelmed from a long day of selling real estate, I watched a program that totally changed my mind.

Charlie Wilks is your normal 14 year old kid in Emporia Kansas. He plays nose tackle for the Freshman football team and at 5'10" and 185 pounds, he is a force to recon with. Charlie plays with one major disadvantage, he is blind! He lost his sight when he was five years old.

Watch this video and then try to tell me there is a challenge that you can not overcome! If you can not get inspired by this, you are uninspirable.

www.youtube.com/watch?v=zTrEkNlx16E

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Short sale stupidity in Panama City Florida

Tue, 10 Nov 2009 18:07:36 -0600

We have been working on a short sale for a while here in Panama City. The second mortgage quickly agreed to release for 3000 but the first continued to ignore me. I knew the negotiators name so I called a senior supervisor to tell them that this negotiator was ignoring me and would not return my calls and emails. After the negotiator got a good chewing from the supervisor, my broker recieved a call saying that the lender would approve the file only if it was transferred away from me and to another agent. Evidently the negotiator did not like being called out, too bad, it needed to happen. So my broker puts the file in another agents name and low and behold, the lender approves the short sale for $120,000. Now is when the real stupidity comes in, the seller owes $104,000 on the home and even after paying the 3000 to the second, the first would be paid in full and would not require a short sale. What is even dumber is the BPO came in at $85,000 and most likely an appraisal would follow suit.

You just can't fix stupid sometimes............. Rest assured this one will get done!!!

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Need Panama City Real Estate information? You are one click away.....

Sat, 07 Nov 2009 13:12:45 -0600

Looking for specific and real time information for Panama City Real Estate including all of Bay County, Florida? School information, restaurants, hospitals, shopping, demographics, everything you would want to know about your potential home purchase..... just a click away at Panama City Real Estate Market Information

This page is also available at www.KnowPayneKnowGain.com

Call us today!! 850-392-1770

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

McDuff Services,Panama City Florida's home improvement company

Sat, 24 Oct 2009 16:54:29 -0500

I would like to introduce my friend and trusted handyman, Donnie McDuff of McDuff Services. If you need any work performed on your home, I highly recommend that you talk to Donnie.

McDuff Services

Specializing in over 25 years or quality
Residential Repairs * Upgrades * Carpentry

Donnie McDuff
Email tuff01@bellsouth.net
850-772-4308

Call us to find that fixer upper at 850-392-1770 or visit www.KnowPayneKnowGain.com to see all Panama City properties for sale.

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Relieving the stresses of real estate, Jeff Payne style!!!

Sat, 24 Oct 2009 10:18:46 -0500

When the stresses of real estate are just too much, how do you cope? We can not always be thinking real estate and need something to take our minds off of it. Here is my coping mechanism, show us yours.

1976 Harley Davidson FLH, "Shovelhead"

2002 Harley Davidson Electraglide

Crossing over the bridge to St George Island Florida

What does your Non Real Estate world look like?

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Future rock star in Panama City, FL or at least a future Realtor Star

Fri, 23 Oct 2009 16:13:12 -0500

Introducing Action Jackson... America's future rock star.....

I just could not resist buying this guitar when I saw it for Jacksons 2nd birthday. He is the son of my buyer specialist Brook Simmons He is sure to be future star and hopefully will start annoying his mom with hours of guitar playing :)

If you are thinking of buying a home in the Panama City Florida area, give Brook Simmons a call at 850-814-8259 or email her at BrookinPC@kw.com

As always, you can sell all of the homes for sale in Panama City, Florida at www.KnowPayneKnowGain.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Are you an under the cover agent?

Wed, 21 Oct 2009 18:03:16 -0500

Real estate is a person to person, face to face, email to email, phone to phone business. To get more business we need to get in front of as many people as we can and ask for their business. This requires a great deal of time and energy to accomplish, it takes great determination and drive to do this.

Are you an under the cover agent? Does your day start when you get around to it?

What time do you start your day? What time do you end your day? How much actual work do you do?

REMEMBER that no amount of preparation, education and knowledge will do you any good if you are too lazy to get out of bed in the morning.

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

The Best Fish Tacos this side of Baja! Los Antojitos, Panama City Florida

Wed, 21 Oct 2009 17:46:54 -0500

Looking for the BEST FISH TACOS anywhere?

Panama City's Los Antojitos has the best fish tacos this side of Baja.

For the really hungry, come in and try out the 5 pound burrito!

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Southwest Airlines to service the new Northwest Florida-Panama City International Airport

Wed, 21 Oct 2009 15:37:58 -0500

Great news for Panama City and the beaches!

Southwest Airlines to serve new Panhandle airport

The Associated Press

PANAMA CITY, Fla. -- Southwest Airlines plans to serve the new Northwest Florida-Panama City International Airport when the airport opens in May.

The company announced plans to serve the airport Tuesday afternoon. The Panhandle airport is the first new airport expected to open in the United States since Sept. 11, 2001. It is being built in Bay County on 4,000 acres donated by The St. Joe Co., a former timber company started by an heir to the DuPont family fortune in the 1930s.

The company, which owns hundreds of thousands of acres of Panhandle land, lured Southwest Airlines to the new airport under a unique agreement to provide fuel if the airline does not have sufficient passengers in first two years. Executives from the airline, the company and the surrounding community celebrated the news at an announcement ceremony on Tuesday.

THIS IS GREAT NEWS FOR PANAMA CITY BEACH REAL ESTATE! Now is the best time to buy real estate in Panama City. Go to www.knowpayneknowgain.com for more information and to get your home search started

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Sellers, be sure to price your Panama City home properly, don't chase the market

Tue, 20 Oct 2009 13:00:52 -0500

Need to sell your Panama City or Panama City Beach home? Concerned about it being on the market too long? Want to make sure that you get top dollar for your home?

You need to know the cost of overpricing your Panama City Home. The market has shifted and you need an agent who knows the market, call us today at 850-392-1770 or visit www.KnowPayneKnowGain.com

Want to know what your home is worth in Panama City or Panama City Beach? www.PanamaCityHomeValues.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Need to sell your Panama City Home? Here's your sign!

Tue, 20 Oct 2009 12:36:45 -0500

Want to know what your Panama City Home is worth? www.PanamaCityHomeValues.com

Call us today at 850-392-1770 or visit www.KnowPayneKnowGain.com for more information

Sellers, we have buyers, let us sell your home!

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Panama City Florida Real Estate Market Snapshot

Tue, 20 Oct 2009 11:58:32 -0500

Ever wonder what that home down the street in Panama City Florida sold for? Want to know how much your neighbor is asking for their Panama City or Panama City Beach home?

Buyers, want to know where the closest hospital is to your future home? Need to find out how close the schools are and what their respective "report cards" are?

Everything that you need to know about the Panama City and Panama City Beach market is just a click away.

Panama City Real Estate Market Snapshot

Be sure to visit our website at www.KnowPayneKnowGain.com to view all Panama City Florida listings all the time

Need to know what your home is worth? www.PanamaCityHomeValues.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

www.PanamaCityHomeValues.com

Mon, 19 Oct 2009 15:11:27 -0500

Would you like an analysis of the approximate value of your Panama City or Panama City Beach home? Thinking of selling but want a no-nonsense, no obligation market analysis sent directly to your inbox?

Visit Panama City's premier home value site No agent will call you, you will simply get an email in your inbox and contact information for The Payne Group at Keller Williams Realty should YOU decide you need more information.

As always, feel free to visit our other websites.

All Panama City Listings All the time

Behind on your mortgage? www.ShortSalesinPanamaCity.com

Panama City home shopping? www.PanamaCityHomeShopping.com

Sellers, we have buyers! You need buyers, call us today at 850-392-1770 for a copy of Home Selling Made Easy, HOW TO WIN in 2010!

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Help for Panama City and Panama City Beach homeowners

Mon, 19 Oct 2009 15:00:59 -0500

Are you facing foreclosure? Behind on your mortgage, need HELP?

You May Have A Better Way Out!

There are countless hardships that can turn home ownership from a joy into a burden. The loss of a job, medical bills, or an unexpected hike in monthly payments can all make a mortgage unaffordable. But ignoring the bills will not make them go away, it will only make things worse.

If you need help, there are approaches that can help, but you may not be familiar with them. One of these is a "short sale."

In an approved short sale, the lender agrees to accept less than is owed for the property, and the homeowner is relieved of the debt. A lender may be willing to do this because it spares a lot of hassle and expense involved in executing a foreclosure. And typically, a short sale does far less damage to the homeowner's credit than a foreclosure does.

If you would like to explore the possibility of a short sale for your property, avoid foreclosure, and potentially save your credit rating, go to www.ShortSalesinPanamaCity.com . A qualified short sale agent will be in touch with helpful information.

Don't delay another day, help is just around the corner. The Payne Group has successfully helped many homeowners out of their financial jam surrounding their homes or investment properties, call today 850-890-0132

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

What is your Panama City Florida home worth?

Fri, 16 Oct 2009 15:08:08 -0500

Interested in knowing what your Panama City, Panama City Beach, Lynn Haven or Callaway Florida home is worth?

www.PanamaCityHomeValues.com

Upside down and need a way out? Struggling to make ends meet and can't pay your mortgage? You are not alone.

www.ShortSalesinPanamaCity.com

Thinking of buying or selling check out the only website that has everything that you need to make an informed decision www.KnowPayneKnowGain.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Approved short sale in Treasure Island, Panama City Beach, FL

Thu, 15 Oct 2009 11:50:32 -0500

We have an approved short sale in the Treasure Island condominiums in Panama City Beach, FL. The buyer decided to walk and is missing out on a great deal.

Approved Price $265,000

2 bedroom
2bathrooms
1370 square feet
21st floor
granite countertops
seller just gave the unit a deep cleaning
all tile throughout

Bank has given us approval to sell this short sale opportunity in popular Treasure Island Resort, within walking distance of St. Andrew's State Park. This 2 bedroom, 2 bath unit is quite large at 1370 square feet and has a view both east and west down the beach. This unit is 2 bedrooms with a unique bunkroom, granite countertops, stainless steel appliances, and a solid condo owners association. Amenities include a large heated pool,kiddie pool, outdoor heated spa, fitness room, game room, , owners' lounge and billiard room. Bring us your best offer but don't delay, at this price, this one will go fast.

Call the Payne Group today at 850-392-1770 or visit our website at www.KnowPayneKnowGain.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Bank of America Short Sales and REO Trans, Help for Panama City FL homeowners

Mon, 05 Oct 2009 15:03:49 -0500

I just talked with a good contact of mine in the short sale department at Bank Of America and she confirmed that BofA is now going to use REO Trans for the short sale files. We will be able to upload the files and the seller will also be able to upload their files to the system. In addition, there will be tasks assigned along the way. Hopefully this will make for a much smoother system with less lost files and quicker approval times. I would assume that their will be a learning curve on both sides but this in my opinion is a step in the right direction.

For all of your short sale needs in Panama City and Panama City Beach, please don't hesitate to call us at 850-392-1770 or email me at jeff.payne@kw.com and of course visit our short sale website at www.shortsalesinpanamacity.com

To view ALL PANAMA CITY LISTINGS ALL THE TIME go to www.knowpayneknowgain.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Panama City Beach Florida, NEW FORECLOSURE LISTINGS

Fri, 02 Oct 2009 14:58:09 -0500

Beachwalk Condominiums
17751 Panama City Beach Parkway Unit 5B
Panama City Beach, FL

$89,900

Great opportunity for your very own beach getaway. Buy this unit and rent it out or use it for your very own residence. This 2 bedroom, 2 bath townhome has newer kitchen cabinets, countertops and newer stove, just needs a little TLC to make it new again. Close to Pier Park and just a short stroll to the Worlds Most Beautiful Beaches. Enjoy the amenities of Beachwalk; tennis, swimming pool, club house, shuffle board and your furry friends can also enjoy this dog friendly neighborhood. Call today, this one is priced to sell!

JUST STEPS TO THE BEACH, YOU WILL NOT FIND A BETTER PRICE! With some paint and carpet, this one will look like brand new again! Save, Save, Save, Save

To view more great properties in Panama City Florida, visit www.knowpayneknowgain.com or call 850-392-1771

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Marketing Position for Panama City Florida's top real estate team

Wed, 30 Sep 2009 20:18:22 -0500

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

MSN Headline today, 10 things your real-estate broker won't tell you

Mon, 28 Sep 2009 16:27:55 -0500

Anyone else see the MSN.COM headline today, 10 Things your real estate broker won't tell you ?

1. "Your open house is really just a networking party for me."

My response: I tell sellers that most likely I will get more listings than buyers from an open house, that is how I feel and tell them up front

2. "My fees are negotiable."

My response: It depends if you want to negotiate your fees, this could or could not be true, it depends on the agent and their brokers policy. For me, I would not let a deal die if we are close over my fees

3. "Think you've had no offers? Actually, there have been several."

My response: I present any and all offers that I recieve, any agent not doing this is seriously taking a chance

4. "I'm not obligated to keep my mouth shut for you."

My response: This varies due to the state and the brokerage relationship. In Florida it is presumed that I am a transaction broker and that I am bound to limited confidentiality and that I must disclose any known facts that negatively affect the value of the property and are not readilty observable to the buyer. I can not disclose the sellers motivation or what they will settle for unless the seller gives me written permission.

5. "Sometimes I forget whose side I'm on."

My response: BAD AGENT, I always know whose side I am on.

6. "I know zilch about zoning."

My response: TRUE, always seek the advice of the expert, the zoning department

7. "I won't let termites - or pesky inspectors - kill a deal."

My response: I will do my best to work out the termite or inspector issue to the best of my ability and within the contract

8. "I sometimes forget I'm not a lawyer."

My response: I never forget that I am NOT a lawyer

9. "My Web site is a dead end."

My response: My website is a spider web catching buyers and I have the statistics to back it up

10. "You can probably do this without me."

My response: You probably can but I do this everyday and most buyers and sellers only do this a few times in their lives. You know what they say about representing yourself and something about having a fool for client. Fact of the matter is that the avg FSBO does not have the knowledge to do it on their own in a buyers market and need the help of a realtor

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Taylor Bean Whitaker suspended from making loans.

Fri, 07 Aug 2009 11:49:28 -0500

Just got this from The Florida Association of Realtors... If you have any pending deals with TBW, please read on.

Probe freezes major lender

TAMPA, Fla. - Aug. 7, 2009 - Ocala-based Taylor, Bean & Whitaker Mortgage Corp. (TBW) said Wednesday it is stopping its mortgage-lending operations after federal agencies suspended it from making loans, according to a statement sent to mortgage brokers, regulators and a bank trade group.

Wednesday's shutdown is another major blow to Florida's struggling real estate market. Taylor, Bean & Whitaker is one of the largest providers of FHA (Federal Housing Administration) loans in the Sunshine State, and loans in its pipeline won't close, said Valaire Saunders, president of the Tallahassee-based Florida Association of Mortgage Brokers.

"It's definitely going to be detrimental to our state's economic recovery," she said. "This will delay Florida's housing recovery, and we can't afford that."

The firm, ranked among the largest U.S. home lenders, was barred this week from selling or servicing loans by the Department of Housing and Urban Development, Freddie Mac and Ginnie Mae, the statement says.

"TBW must cease all origination operations effective immediately," the statement says. "Regrettably, TBW will not be able to close or fund any mortgage loans currently pending in its pipeline."

The closing came after an announcement Tuesday by the Federal Housing Administration that it found possible fraud and had decided to suspend business with the lender. Calls to Taylor, Bean & Whitaker were not returned.

Taylor, Bean & Whitaker was a major lender of FHA loans, typically used by first-time buyers, and one of the few lenders who funded FHA loans on manufactured housing, Saunders said.

"I have three colleagues with loans set to close this month, and they're scrambling," she said.

Taylor, Bean & Whitaker was FHA's third-largest lender. It ranked 12th among U.S. mortgage originators in the first half of this year.

The lender didn't submit a required annual financial report and "misrepresented that there were no unresolved issues with its independent auditor," the FHA says in a statement. The auditor discovered "irregular transactions that raised concerns of fraud," the FHA says.

An October 2006 investigative report by the Tampa Tribune found that at least four of 36 suspicious loans involving a Tampa real estate agent and mortgage broker had been funded by the lender.

The story found that the homes sold, on average, for $60,000 above the asking price. At least $2 million collectively was paid to third parties, and in some cases, two sets of documents were used to secure the loan.

At the time, Lee Farkas, chairman of Taylor, Bean & Whitaker, said his institution did not realize the property had sold for more than originally listed. "There's no way we would do a loan structured like that," he said. Farkas said his company had policies against such loans and said he would investigate the deals.

Jane Floyd, a Tampa mortgage broker with Diversified Home Mortgage, said the closure will negatively affect the area's pending home sales.

"I've worked with them for years and had a good relationship with the people there," Floyd said. "This is very sad."

Copyright © 2009 Tampa Tribune, Fla., Shannon Behnken. Distributed by McClatchy-Tribune Information Services. Information from Bloomberg News was used in this report.

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

The Energy Bus by Jon Gordon, one of the best books I have read lately

Tue, 28 Jul 2009 14:22:00 -0500

Have you read The Energy Bus? This book came to me from my favorite title agent at a time where I was at a crossroads in my business. We had to decide which road that we wanted to take as a team and this book showed me the way!!

The Energy Bus is a book about harnessing the power of positive energy as positive energy breeds positive thoughts and results.

What does your energy bus look like? Does your bus have a flat tire?

Over the next few blogs/days I hope to be starting a discussion with my real estate professional friends here on AR about the RULES OF THE ENERGY BUS!

RULE #1 YOU ARE THE DRIVER OF YOUR BUS

Are you driving your energy bus or do you allow the negative influences around you to drive your bus? In Real Estate terms, do you control the market or do you allow the market to control you. All around us we hear about everything that is negative about the market, if we listen to all of it, we would slip into being negative and unproductive. In reality, this is the best market if you are a buyer, buyers are buying and we need to put buyers on our energy bus too! Homes are selling, buyers are buying, affordability is probably better than ever, interest rates are low, THIS IS A GREAT MARKET!

My team believes that this is the best opportunity market, the time to grab our market share and never give it up. We believe, like the analogy in the book, that there are 2 dogs within us, the negative dog and the positive dog. We also believe that the dog that gets fed the most is the dog that will be the stronger dog and the one that does not get fed will starve to death. Our positive dog gets the good food!!!!!

Please tell me your thoughts, are you driving your energy bus??????????????

Have you read the book

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Another successful short sale closing in Panama City, FL

Tue, 28 Jul 2009 09:30:48 -0500

We just closed a Bank of America short sale in Panama City, FL

First mortgage amount: $200,000

Second mortgage amount: $40,000

Sale price: $185,500

lender agreed to pay $5500 for buyers closing costs, title insurance, doc stamps on the deed, tax prorations and 6% commission (one agent involved)

Net amount to BofA: $164,730.40

Seller did not contribute to the sale, no promissory note.

Time Frame: File submitted on 6/18/09, property closed on 7/27/09***

This was the second buyer, the first walked on 6/17/09 and we found a buyer the next day and resubmitted the entire package and closed in 40 days!!!!!!!

For more short sale information www.ShortSalesinPanamaCity.com or email me for a short sale information package at jeff.payne@kw.com

To view all listings all the time www.KnowPayneKnowGain.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

Congratulations Brook Simmons, Buyer Specialist, The Payne Group at Keller Williams Success Realty

Mon, 27 Jul 2009 16:29:46 -0500

Brook Simmons has achieved 100% commission by earning enough CGI to pay in her commission cap at Keller Williams Success Realty. As a buyer specialist for The Payne Group at Keller Williams Success, Brook is working toward her buyer mastery thru education, training, practice and loads of hard work!

We are so proud to be apart of Brook's success and want to publicly congratulate her!

Pictured is our teamleader Charlie Brown (Yes, that is his real name, and yes, he just needs that yellow shirt) handing Brook Simmons her first of many 100% commission checks.

GREAT JOB TO THE CAT IN THE HAT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Let's give it up to Brook for showing everyone that the market is an opportunity market and that hard work pays off!

looking for Panama City Real Estate, call Brook at 850-814-8259 or email her at BrookinPC@kw.com

To view all listings in Panama City, Lynn Haven, and Panama City Beach, go to www.KnowPayneKnowGain.com

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell