So, it's time to get busy with some serious research about where you want to be calling home for Christmas 2009.  Lots of things are happening.  Interest rates are advertised at 5.1% over 30 years, the housing market is loaded with great bargains, unemployment is high - if you are unemployed, that sucks; if you are employed, that should mean that you're still a contender to cash in one of the great housing bargains out there.

First question to ask is 'Where do I want to live'.  That's the easiest one!

Why, you want to live right here in Santa Rosa Beach, Florida, zip code 32459, maybe in my favorite, Driftwood Estates.

Why again?  We're either on the beautiful Gulf of Mexico, with white, sugary sand and emerald seas, or on Choctawhatchee Bay.  Either way, the views are incredible.

We have four seasons, (winter is gentle, summer isn't smoothering), we always have a breeze, we fish, we sail, we swim, we dance, we sing, why.. we're just the happiest, luckiest folks on the planet.

So, wherever you may be at the moment, you might be happier here on the beautiful Northwest Florida Gulf Coast.  Check us out, Visit my website at www.rmonk.com, call or email me, Robert Monk, Realtor.  I put a lot of pictures there, and here, for your viewing pleasue.