mortgage myths: 5 Smart Steps to Take Before You Start Your Home Search - 11/04/25 05:23 PM
🏡 A Myth-Busting Guide for First-Time Buyers from Charles Stallions, Pensacola’s Trusted Real Estate Advisor
Buying your first home is a milestone—and in Pensacola, it’s also a lifestyle upgrade. Whether you're dreaming of a beachside bungalow or a family-friendly home near top schools, preparation is key. As a Gulf Coast broker who combines market expertise with holistic support, I help buyers get off to a strong start by focusing on what matters most: financial readiness, clarity, and confidence.
Before you scroll through listings or schedule showings, here are five essential steps to take:
1️⃣ Check Your Credit Score
Your credit score is the foundation … (0 comments)

mortgage myths: C-NOTE: Owning A Home Builds Equity But Renting... - 11/03/25 12:47 PM

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 owning rental properties, we have got you covered. With Charles Stallions as your trusted real estate broker since 1995, you’ll find expert advice and actionable insights to help you make confident decisions.
Do you 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 we “R.”
📞 Contact Charles Stallions Real Estate ServicesSince 1995, we have … (0 comments)

mortgage myths: C-NOTE: Making the Home You Love Fit Your Budget - 11/03/25 10:25 AM
🏡 With Charles Stallions—Turning Your Dream Home into Your Dream Life, One Property at a Time
Buying a home isn’t just a transaction—it’s a transformation. Whether you're settling into Pensacola, exploring Pace, or investing in Gulf Breeze, I’m here to help you make the leap from dreamer to homeowner with a strategy that’s life-changing and rewarding year after year.
As your trusted real estate broker and Gulf Coast ambassador, I believe every home should fit your lifestyle and your budget. Here's how we make that happen together.
💰 Beyond the Price Tag: What You Really Pay
Even with a 10% down payment, the actual cost … (2 comments)

mortgage myths: C-NOTE: Smart Homes, Affordable Housing Funds, Appraisals And More - 10/26/25 05:45 PM
… (0 comments)

mortgage myths: C-NOTE: Homeownership Strategies For Low-Income Buyers And More - 10/26/25 04:05 AM
Tip Of The DAY
The totally unexpected reason why you need to put a sponge in the dryer ASAP
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 owning rental properties, we have got you covered. With Charles Stallions as your trusted real estate broker since 1995, you’ll find expert advice and actionable insights to help you make confident decisions.
Do you 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 we “R.”
📞 Contact … (1 comments)

mortgage myths: C-NOTE: Pensacola, Pace, Gulf Breeze, Florida 10-27-2025 - 10/26/25 03:42 AM
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 owning rental properties, we have got you covered. With Charles Stallions as your trusted real estate broker since 1995, you’ll find expert advice and actionable insights to help you make confident decisions.
Do you 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 we “R.”
📞 Contact Charles Stallions Real Estate ServicesSince 1995, we have been helping buyers, sellers, landlords, and investors succeed in … (0 comments)

mortgage myths: Military PCS Move? How to Handle Taxes When Selling Your Rental - 10/25/25 04:39 PM
🪖 By Charles Stallions, Pensacola’s Trusted Real Estate Advisor
Meta Description: Military PCS orders? Learn how to navigate capital gains, depreciation recapture, and multi-state tax rules when selling your rental property. Expert tips from Charles Stallions.
PCS orders can open new doors—but what happens when it’s time to sell your rental property? For many military families, converting a primary home into a rental is a smart wealth-building move. But when it’s time to sell, understanding the tax landscape is critical to protecting your profits.
💸 Capital Gains vs. Depreciation Recapture
•     Capital Gains: Taxed on the profit from your home sale. Rates range … (1 comments)

mortgage myths: Cost Of Selling Your Home Let Us Show You The INs And OUTs. - 10/25/25 04:25 PM

 
📞 Contact Charles Stallions Real Estate ServicesSince 1995, we have been helping buyers, sellers, landlords, and investors succeed in Pensacola, Pace, and Gulf Breeze.Call/Text: 850-476-4494Email: charles@charlesstallions.com🌐 www.charlesstallions.com
— Charles Stallions, Your Trusted Real Estate Broker in Pensacola, Florida
… (0 comments)

mortgage myths: 6 Family-Friendly Adventures Near Hurlburt Field, Florida - 10/24/25 12:06 PM
By Charles Stallions, Your Trusted Gulf Coast Ambassador
📍 Welcome to Hurlburt Field—your gateway to the Florida Panhandle’s most unforgettable experiences. As Pensacola’s go-to real estate advisor and Gulf Coast insider, I’m here to help you settle in and explore the best of what this vibrant region has to offer. Whether you’re new to the area or just looking for fresh ideas, here are six handpicked ways to dive into family fun near Hurlburt Field.
1. 🏖️ Beach Bliss from Sunrise to Sunset
Let’s start with the obvious: the beaches here are legendary. From sunrise strolls to sunset swims, the Gulf Coast offers miles … (0 comments)

mortgage myths: VA Vendee Loan Program: A Smart Alternative for Buyers and Investors - 10/22/25 07:52 PM
💼 As Pensacola’s trusted real estate advisor, I’m always looking for ways to help clients navigate the market with confidence. Most people know about the VA loan—zero down, no PMI, and great rates for veterans and active-duty service members. But what if you don’t qualify for a VA loan? Or you’re an investor looking for favorable terms?
Let me introduce you to the VA Vendee Loan Program—an under-the-radar financing option that could be a game-changer.
🏠 What Is the VA Vendee Loan?
The VA Vendee Loan is a VA-backed mortgage available for VA-owned foreclosed homes (REO properties). These homes are listed and financed through … (1 comments)

mortgage myths: How to Choose the Right Real Estate Agent for Buying or Selling a Home - 10/22/25 07:10 PM
When it’s time to buy or sell your home, choosing the right real estate agent can make all the difference. You want someone who listens, communicates clearly, and knows how to protect your investment from start to finish.
As your trusted real estate broker, I believe finding the right agent isn’t complicated — it’s about asking the right questions and finding a professional who understands your goals. Whether you’re a first-time buyer, relocating, or ready to sell, here’s what to look for:
1. Experience & CredentialsAsk about certifications, specialties, and local market experience. Agents who pursue advanced training — such as the Military Relocation Professional … (2 comments)

mortgage myths: How to Buy and Sell a Home at the Same Time, A Tale Of Two Homes - 10/22/25 07:09 PM
A Trusted Guide from Charles Stallions, Pensacola’s Local Real Estate Expert
Buying and selling a home at the same time might sound straightforward, but in reality, it’s a delicate dance—two major transactions that need to move in sync. With the right strategy, timing, and support, you can navigate this process smoothly and confidently.
Whether you're relocating across town or across the country, I’m here to help you make smart, informed decisions every step of the way.
🏡 Step One: Understand Today’s Market
Before diving into dual transactions, it’s essential to assess your local real estate landscape. The market’s rhythm—whether it favors buyers or sellers—will shape … (0 comments)

mortgage myths: C-NOTE: If You Die Without a Beneficiary? - 10/21/25 06:49 AM
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 owning rental properties, we have got you covered. With Charles Stallions as your trusted real estate broker since 1995, you’ll find expert advice and actionable insights to help you make confident decisions. We search the internet for articles that benefit our clients, and we are always here for you with advice or to put you in touch with great, knowledgeable people just like us.
Do you have a question about … (1 comments)

mortgage myths: Pensacola Investor Myths That Could Be Costing You Big - 10/15/25 06:48 PM

Pensacola’s real estate market is ripe with opportunity—but too many investors are held back by outdated myths. Let’s bust a few that might be costing you deals, equity, and long-term growth.
Myth #1: “Pensacola is only for vacation rentals.”
Truth: While short-term rentals thrive near the beach, savvy investors are scooping up long-term properties in Pace, Gulf Breeze, and East Hill. These areas offer stable cash flow, lower turnover, and strong appreciation.
Myth #2: “You need 20% down to invest.”
Not true. Local lenders and creative financing options—like DSCR loans and partnerships—are helping investors enter the market with less capital and more leverage.
Myth #3: “You … (0 comments)

mortgage myths: Why You Should Buy a Home, Even If You're Set To Inherit One - 10/15/25 08:19 AM
Should You Wait to Inherit a Home—Or Buy Now?
By Charles Stallions, Your Trusted Real Estate Broker in Pensacola, Pace & Gulf Breeze
For years, first-time homebuyers have been stuck on the sidelines—held back by high prices, rising mortgage rates, and uncertainty. Now, many are choosing to wait for an inheritance rather than enter the market. But is that a smart move?
As someone who’s helped hundreds of families navigate the Pensacola real estate market, I can tell you: inheritance is a possibility, not a plan.
The Great Wealth Transfer: What You Need to Know
Baby boomers are expected to pass down nearly $19 trillion in … (1 comments)

mortgage myths: Fed Signals Rate Cuts: What It Means for Pensacola Real Estate - 10/13/25 01:36 PM
📉As Pensacola’s trusted real estate advisor, I’m always watching the economic horizon to help you make smart, timely decisions. This week, Federal Reserve Chair Jerome Powell signaled that more interest rate cuts are likely before year’s end — and that could mean lower mortgage rates for buyers and investors across our Gulf Coast communities.
🏠 What Powell’s Message Means for You
Speaking at a national economics forum, Powell emphasized growing concerns about the labor market, even as inflation remains elevated. His comments suggest the Fed is leaning toward additional rate cuts at its October and December meetings — a move designed to stimulate … (0 comments)

mortgage myths: PCSing To Pensacola, Buying A Home We Work For You - 10/13/25 01:34 PM
🏡 Title Fees Explained: What Military Homebuyers Need to Know When PCSing to Pensacola NAS
By Charles Stallions, Your Trusted Real Estate Broker
Buying a home near Pensacola NAS is an exciting step—whether it’s your first PCS or your fifth. But between contracts, inspections, financing, and closing costs, it’s easy to feel overwhelmed. One area that often confuses buyers is title fees. Let’s break it down so you’re confident when you sit at the closing table.
🔑 What Is a Home Title?
The title is your legal ownership of the property. Before it’s transferred to you, it must be checked for liens, unpaid taxes, or … (0 comments)

mortgage myths: C-NOTE: Mortgage Rates Drop to Their Lowest Levels in Over a Year - 10/07/25 05:35 AM
By Charles Stallions, Your Trusted Real Estate Broker Serving Pensacola, Pace, and Gulf Breeze, Florida Since 1995
Great news for Gulf Coast homebuyers and sellers! Mortgage rates have fallen to their lowest average in more than a year — creating new opportunities in today’s real estate market.
According to Freddie Mac, the 30-year fixed-rate mortgage now averages 6.19%, down from last week’s 6.27%. The last time rates were this low was in October 2024. The 15-year fixed-rate mortgage also dipped, averaging 5.44%, compared to 5.52% last week.
Lower mortgage rates mean more purchasing power for buyers and increased interest in listings — great news … (0 comments)

mortgage myths: C-NOTE: Pensacola Beach in Fall: Quiet, Cozy, and Yours - 09/28/25 05:00 PM
 Community Lifestyle on Pensacola Beach, Florida 
🍂 Fall & Winter on Pensacola Beach = cool breezes, quiet sands & local flavor! 🌊Morning walks, dolphin sightings, and brunch at Native Café are just the start. Here’s why locals love the off-season:✨ Fewer crowds, stunning sunsets✨ Fresh oysters at Peg Leg Pete’s✨ Festivals like Foo Foo Fest & Boardwalk Holiday Lights✨ Relaxed beach days that feel like a getaway
Real Estate Lifestyle🏡 Ever dreamed of living steps from the Gulf? Fall is the BEST time to buy on Pensacola Beach—fewer crowds = more opportunities.Picture this: morning walks on the sand, dolphins at sunrise, and brunch … (1 comments)

mortgage myths: C-NOTE: Fall Home Maintenance Tips for Pensacola Buyers - 09/28/25 05:00 PM
Get Your Home Fall-Ready: Smart Tips for October
October brings crisp mornings, cooler evenings, and the perfect opportunity to prepare your home for the months ahead. A little fall maintenance now can prevent costly repairs later—and help your property stand out if you’re thinking about selling.
 
Begin by cleaning your gutters to ensure rainwater flows freely and prevents damage to your roof or foundation. Next, have your HVAC system serviced before you need that first blast of heat—regular tune-ups improve efficiency and extend the life of your system. Don’t forget to seal drafty windows and doors, which keep your home cozy and your energy bills … (0 comments)

 
Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl. (Charles Stallions Real Estate Services )

Charles Stallions

850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.

Pensacola, FL

More about me…

Charles Stallions Real Estate Services

Address: 139 E. Burgess Rd, Pensacola, fl, 32503

Office: (850) 478-8811

Mobile: (850) 476-4494

Why Pay More To Get Less? Charles Stallions Real Estate Services charges a flat 1% fee. Our 206 Stallions Selling System, including your home distributed to over 400 Websites, Premier Agent marketing on Zillow & Trulia, realtor.com, and homes.com. We utilize open houses, home tours, and auction-style events, as well as broker open houses. It has been said that we do more in the first week than most do in the whole listing period. Contact Charles at 850-476-4944 for a complimentary over-the-phone analysis with no obligations, accompanied by an email appraisal if desired.


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