first time homebuyers: Spring season presents a unique opportunity for Firts Time homebuyers
- 05/17/25 08:43 AM
The spring season presents a unique opportunity for savvy first-time homebuyers to get ahead in the market. While many are waiting for rates to drop, those who act now can reap significant benefits.
Recent market trends show that inventory levels and new listings have increased, offering first-time buyers a wider selection of homes. This temporary lull in competition means you have more negotiating power and time to find your perfect home without the pressure of bidding wars.
By purchasing now, you're not just securing a home but making a wise investment. Even if current mortgage rates are slightly higher, you're locking in today's … (3 comments)
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first time homebuyers: Our First- Time home buyers are knocking it out of the park for sure.
- 05/16/25 10:05 AM
The share of first-time buyers in the market fell to record lows, but that means more choices for our buyers who are in the market, and we know the best financing programs around. We have the right home for you, I am sure of it. Call now and tell me what you're looking for.
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The C-Note: Your Quick Guide to All Things Real Estate
Welcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you're buying, selling, investing, or managing … (2 comments)
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first time homebuyers: First Time Homebuyers Qualifying Guidelines
- 05/14/25 12:38 PM
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What IS My Home Worth?
How Much Home Do I Qualify For
The C-Note: Your Quick Guide to All Things Real Estate
Welcome to The C-Note, the go-to source for everything real estate in Pensacola, Pace, and Gulf Breeze, Florida. Whether you’re buying, selling, investing, or managing rental properties, we’ve got you covered. With Charles Stallions as your trusted real estate broker, you’ll find expert advice and actionable insights to help you make confident decisions.
Have a question about the local area, from top dining spots to job opportunities or real estate guidance? Call or text Charles at 850-476-4494, or email charles@charlesstallions.com—it’s who … (3 comments)
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first time homebuyers: Summer Time is a great time to be a first time home buyer
- 05/14/25 12:31 PM
Summer presents an ideal time for prospective first-time buyers to purchase a home. The warm weather and longer days create optimal conditions for house hunting and moving, allowing first-time buyers to thoroughly inspect properties and envision their future homes in the best light.
One of the primary advantages of summer home buying is the increased inventory available. Inventory is up almost 20% as of March this year compared to 2024. Many sellers choose to list their properties during this season, providing buyers with a broader selection of homes to choose from and increasing the likelihood of finding a property that meets their specific … (1 comments)
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first time homebuyers: Buying Your First Home In Pensacola Florida
- 05/12/25 09:21 PM
First-Time Homebuyer Guide for Ferry Pass, Florida – With Charles Stallions as Your Trusted Real Estate Broker
If you're a first-time homebuyer in Ferry Pass, Florida, several assistance programs are available to help you achieve your dream of homeownership. With Charles Stallions as your trusted real estate broker, you’ll receive expert guidance through every process step—qualification to closing.
1. Who Qualifies as a First-Time Homebuyer? In Florida, you're considered a first-time homebuyer if you haven’t owned and occupied a primary residence in the past three years. This opens the door to special financing options and incentives designed for new buyers.
2. Basic Requirements to … (1 comments)
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first time homebuyers: First Time Home Buyers In Pensacola Programs with Charles Stallions
- 05/11/25 09:12 AM
Home Buyer Programs SHIP First Time Homebuyers Program The City of Pensacola and Escambia County jointly participate in the State Housing Initiatives Partnership (SHIP) First-Time Homebuyers Program. The program is designed to assist low—and moderate-income families in obtaining affordable housing. Based on income, SHIP funds of up to $45,000 are available for down payment and closing cost assistance. The monies are offered in the form of a zero-interest deferred payment loan.
Program Requirements: Applicant(s) cannot have owned a home or had ownership interest in homesteaded property in the last three years. Applicant’s total household income must be within the maximum income … (0 comments)
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first time homebuyers: First-Time Home Buyer Checklist With Charles Stallions, CBR, CRS
- 05/11/25 07:32 AM
✅ First-Time Home Buyer Checklist With Charles Stallions, Your Trusted Real Estate Broker in Pensacola
💰 Financial Preparation Check your credit score and credit report
Pay down debts and avoid new credit accounts
Build a savings plan for down payment & closing costs
Review your job stability and income consistency
Set a realistic monthly budget including:
Mortgage payment
Property taxes
Homeowners insurance
Utilities & maintenance
Emergency fund
📝 Loan & Pre-Approval Research first-time buyer mortgage options
Compare interest rates from multiple lenders
Get pre-approved for a mortgage
Understand loan terms, fees, and required documents
Ask your lender how much home you can … (3 comments)
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first time homebuyers: Mistakes Pensacola, Pace, Florida First Time Homebuyers Should Avoid
- 04/12/25 05:30 PM
Search MLS For Your Next Home
We would love to show it to you.
How Much Home Do I Qualify For
Why You Need Charles Stallions as Your Buyer’s AgentBuying a home is significant; having the right advocate can make all the difference. As your dedicated buyer’s agent, Charles Stallions ensures your interests are protected at every step, from finding the perfect property to negotiating the best terms. Charles leverages his extensive market knowledge and years of experience to simplify the buying process.
What You Get with Charles as Your Buyer’s Agent:
Customized Home Searches: We’ll find properties that match your needs, budget, and lifestyle.
Market Expertise: With insider knowledge … (0 comments)
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first time homebuyers: How to Buy Your First Home In Pensacola Florida
- 04/06/25 07:13 PM
Search MLS For Your Next Home
We would love to show it to you
How Much Home Do I Qualify For
How to Buy Your First Home with Charles Stallions, Your Trusted Pensacola Real Estate Broker
Buying your first home can feel overwhelming, but it can be a smooth and rewarding journey with the right guidance. Charles Stallions, CBE, your trusted real estate broker in Pensacola, Florida, makes the home-buying process simple, stress-free, and tailored to your needs.
The first step to buying your first home is getting pre-approved for a mortgage. Charles works with top local lenders in Pensacola to ensure you're … (0 comments)
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first time homebuyers: The C-NOTE: First Time Homebuyers Moving Scams: How to Spot Them
- 11/30/24 08:52 PM
Protect Your Property: Understanding Home Title ScamsHome title scams have become a growing threat to homeowners in recent years. These scams involve criminals fraudulently transferring the title of your home to their name, using forged documents to assume ownership without your knowledge. Once the fraud is complete, they can take out loans or sell the property, leaving you to face a legal and financial nightmare.
How Do Home Title Scams Work?
Scammers start by stealing your personal information, often through phishing emails, data breaches, or public records. They then forge documents to transfer ownership and file them with your county’s office. When you … (2 comments)
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first time homebuyers: Being The Best Home Buyer You Can Be With These Simple Steps
- 04/21/24 07:28 PM
If you are preparing to buy a home, here are five essential steps to increase your odds of becoming a better homebuyer.
Are you looking to purchase a home this year? With today’s competitive market, laying the groundwork early is vital. Here are five crucial steps to take sooner rather than later:
1. Educate Yourself Knowledge is power, especially in the fast-paced world of home buying. Understanding the process and being familiar with the mortgage journey can give you the confidence to make informed decisions swiftly. Plus, homebuyer education might open doors to special programs tailored for first-time buyers, making homeownership more … (2 comments)
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first time homebuyers: The C-NOTE: Buying Your First Home We Are There Every Step Of The Way!
- 02/20/24 04:50 PM
The C-Note is a short version of the monthly newsletter put out by Charles Stallions, (CRS) Certified Residential Specialist, (SREE) Senior Real Estate Expert, (CPI) Certified Property Investor, Author, and a 28-year broker of real estate, designed to put HUNDREDS, if not THOUSANDS, of dollars back in your pocket. There are as many ways to do real estate as there are probably agents, but here at Charles Stallions Real Estate Services, we "do it right," starting with the customer's end in mind.
Buying your first home is a big, exciting step and a significant milestone that can improve your life. As a … (0 comments)
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first time homebuyers: Pace Florida We Have Your Key to Success for First-Time Homebuyers
- 06/22/23 04:01 AM
Pace Florida: Buying your first home is an exciting decision and a major milestone that has the power to change your life for the better. As a first-time homebuyer, it’s a vision you can bring to life, but, as the National Association of Realtors (NAR) shares, you’ll have to overcome some factors that have made it more challenging in recent years:
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About Pace, Florida. Pace is an unincorporated community in Santa Rosa County, Florida. It is the second-largest community in Santa Rosa County and is a part of the Pensacola Metropolitan Statistical Area. Wikipedia. Population: 21,898 (2020) … (0 comments)
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first time homebuyers: Gulf Breeze Experts, Where Buying A Home Is A Breeze With Us
- 05/21/23 07:47 AM
How to find exactly what you want in Gulf Breeze, and how to work with the experts who’ll help you get it.The key to getting there? Knowing the home-buying journey. Knowing what tools are at your disposal. And most importantly? Creating relationships with experts who can help you get the job done. Read More And Share
Gulf Breeze is a city in Santa Rosa County, Florida. It is a suburb of Pensacola and is in the Pensacola Metropolitan Area. The population estimate was 6,900 in 2020. Gulf Breeze is located just north of Pensacola Beach, and south of Pensacola. Wikipedia. Located across … (2 comments)
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first time homebuyers: Tips To Reach Your Homebuying Goals in 2023 [INFOGRAPHIC]
- 03/03/23 05:51 AM
Some Highlights
If you’re planning to buy a home in 2023, here are a few things to focus on. Work on your credit and save for a down payment. If saving feels like a challenge, there’s help available. Then, get pre-approved, create a list of desired features, and prioritize them. Let’s connect so you have expert advice on how to reach your homebuying goals this year. Click Here to Continue Reading My Home own search!
How to get a Mortgage and FREE Credit Report
Thinking of Buying, We can help you relocate, find a job, a daycare, and great places to eat, shop, and play along the gulf coast. It all starts … (1 comments)
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first time homebuyers: New Homes In Pensacola Pace Gulf Breeze Florida: Buying a Built Home?
- 03/01/23 06:28 AM
If you’re thinking about buying a home, you might be focusing on previously owned ones. But with so few houses for sale today, it makes sense to consider all your options, and that includes a home that’s newly built. Click Here to Continue Reading & Share
My Home own search!
How to get a Mortgage and FREE Credit Report
Thinking of Buying, We can help you relocate, find a job, a daycare, and great places to eat, shop, and play along the gulf coast. It all starts by clicking here. Put my over 27-plus years to work in your best interest. We are ambassadors … (1 comments)
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first time homebuyers: There Is No Place Like Home For ...
- 12/12/22 08:01 PM
There are many people thinking about buying a home, but with everything affecting the economy, some are wondering if it’s a smart decision to buy now or if it makes more sense to wait it out. As Bob Broeksmit, President and CEO of the Mortgage Bankers Association (MBA), explains: Click Here to Continue Reading
Bottom Line
Serious buyers should approach rising rates as a motivating factor to buy sooner, not a reason to wait. Waiting will cost you more in the long run. Work with a real estate professional to understand your budget and how you can be prepared to buy your … (2 comments)
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first time homebuyers: Homeownership Is Within Most Buyers Reach Call 850-476-4494 for Facts
- 11/14/22 05:08 AM
If you’re thinking about buying a home as an investment strategy to build your wealth, or for just living the life connect with Charles Stallions at 850-476-4494 to explore your options and nearby areas that may have homes that fit what you’re looking for.
It turns out, millennials aren’t the renter generation after all. The 2022 Consumer Insights Report from Mynd says there’s a portion of millennial and Gen Z buyers who are pursuing homeownership as a way to build their wealth, but it may not be exactly the way previous generations have done it. The study explains how they’re breaking into the market:
“. . . younger generations of … (0 comments)
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first time homebuyers: The Latest on Supply and Demand in Housing In Pensacola Florida
- 10/24/22 07:25 PM
Over the past two years, the substantial imbalance of low housing supply and high buyer demand pushed home sales and buyer competition to new heights. But this year, things are shifting as supply and demand reach an inflection point.
The graph below helps tell the story of just how different things are today.
1.4KSHARES 1.1K 107 20 214
This year, buyer demand has eased as higher mortgage rates and mounting economic uncertainty moderated the market. This slowdown in demand is clear when you look at the red bar on the graph. It uses the latest data from ShowingTime to illustrate how showings (an indicator of … (0 comments)
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first time homebuyers: Pensacola Fla. : Three Things Buyers Can Do in Today’s Housing Market
- 09/19/22 12:35 PM
It’s clear the 2022 housing market has been defined by rising mortgage rates. With rates on the rise, it’s also become more costly to purchase a home. According to the National Association of Realtors (NAR):
“Compared to one year ago, the monthly mortgage payment rose to $1,944 from $1,265, an increase of 53.7%.”
If you’re thinking of buying a home or have been trying to recently, that’s a big increase in monthly mortgage payment – and it may be causing you to press pause on your plans. This jump is making homes less affordable, especially compared to the last two years when mortgage rates were … (0 comments)
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The spring season presents a unique opportunity for savvy first-time homebuyers to get ahead in the market. While many are waiting for rates to drop, those who act now can reap significant benefits.
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