If you’re buying in Pensacola, Pace, or Gulf Breeze, Florida Housing’s Homebuyer Program can be a powerful tool — especially for first‑time buyers who want a stable, affordable path into homeownership. Through approved local lenders, the program offers 30‑year fixed‑rate mortgages, plus optional down payment and closing cost assistance through Florida Housing’s second‑mortgage options.
Here’s what buyers in our Gulf Coast market need to know:
Program Requirements
Minimum 640 credit score. Buyers must meet the statewide credit standard to qualify.
Work with an approved Florida Housing lender. Only participating loan officers can originate these loans.
Complete approved Homebuyer Education must come from a Florida Housing–approved provider.
Stay within county purchase price limits. Escambia and Santa Rosa counties each have their own caps.
Meet county income limits. Your household income must fall below the program’s thresholds.
Meet the IRS definition of a first‑time homebuyer. You cannot have owned and occupied a primary residence within the past three years.
If you’re purchasing in Pensacola, Pace, or Gulf Breeze, this program can open doors — especially when paired with local down payment assistance and today’s competitive loan options.
🏡 Pensacola • Pace • Gulf Breeze Real Estate Made Simple
PUT Charles In Charge
Whether you’re buying, selling, refinancing, or exploring your options, the Gulf Coast market can feel overwhelming. That’s why, since 1995, more than 3,127 families have trusted Charles Stallions Real Estate Services to guide them with clarity, confidence, and proven results.
Find the newest listings in Pensacola, Pace, and Gulf Breeze with real‑time MLS access.
Start your customized home search today and discover properties that match your lifestyle, budget, and goals.
How Much Home Do I Qualify For?
Understanding your buying power is the first step.
We help you explore financing options, including:
• VA loans
• FHA loans
• Conventional loans
• Non‑traditional owner‑financing
Start with a FREE Credit Report and expert guidance tailored to your financial goals.
📘 Mortgage 101: Simplifying the Process
Financing doesn’t have to be confusing.
We break down the mortgage process so you can make informed decisions with confidence. Whether you’re buying, refinancing, or comparing loan types, we eliminate the myths and simplify every step.
🔄 Reverse Mortgages: Are They Right for You?
Considering a reverse mortgage?
We’ll walk you through the pros, cons, and long‑term impact so you can choose the best option for your financial future.
🤝 Why Choose Charles Stallions as Your Buyer’s Agent
Buying a home is one of the biggest decisions you’ll make. With Charles as your advocate, you get:
✔ Customized Home Searches
Homes that match your needs, budget, and lifestyle.
✔ Local Market Expertise
Insider knowledge of Pensacola, Pace, and Gulf Breeze.
✔ Skilled Negotiation
We work to secure the best terms and protect your interests.
✔ A Seamless Process
From inspections to closing, we handle the details so you can focus on your move.
When you collaborate with Charles, you’re not just buying a home — you’re gaining a trusted advisor who puts your goals first.
With decades of experience and certifications, including:
• Certified Residential Services (CRS)
• Certified Buyer Specialist (CBS)
• Certified Senior Specialist (CSS)
Charles has helped thousands of families achieve their real estate goals with integrity, expertise, and a commitment to simplifying the process.
📞 Ready to Take the Next Step?
Whether you’re buying, selling, or exploring your options, myths are everywhere.
Let Charles Stallions guide you with expert advice you can trust.
Call or text: 850‑476‑4494
Visit: www.charlesstallions.com
We “R” The Realtors for That!
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