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Home Buying in Santa Rosa County : Real Estate Advice

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  • Local Info0
  • Home Buying4
  • Home Selling1
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Activity 50
Thu Apr 4, 2013
Stephen McRory answered:

Start with getting pre-qualified to find out your max purchase power, payments and out of pocket money.

Scroll down below, then contact me to talk about how to minimize payments and reduce out of pocket costs.

1) 100% LTV- VA / (VA Jumbo @ lower ltv)
2) 100% LTV- USDA/12 mo. into Chapter 13 BK…OK Too
3) 99% LTV- FHA / (FHA to 580 score @ lower ltv)

4) 97% LTV- No monthly MI-No FHA 1.75% Fee
5) 95% LTV- CONDO
6) 90% LTV- No PMI -2nd Home
7) 90% LTV- JUMBO w/cc
8) 85% LTV- No PMI - Super Jumbo
9) 80% LTV- Invest./Rental
10) 75% LTV- Foreign Nationals

--------STATED INCOME ALT up to Super Jumbo-----------
11) 80% LTV- FIX n’ FLIP Invest. Prop.
12) 75% LTV- Foreign Nationals
13) 75% CLTV- Short Sale, BK, Foreclosure Forgiveness
14) 70% LTV- Soft and Hard Money
16) COMMERCIAL PROGRAMS-available nationwide

Go to: WWW.PRO-OPTION-COM or call 888-662-4404

Steve McRory
Pro Option Mortgage/ Florida

Prior Service U.S. Marine Corps
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Wed Mar 27, 2013
Jacqualyn Walden answered:
While some residential areas are in a flood zone, Navarre FL, as a whole does not flood.

To be certain check online at by selecting "Interactive GIS Mapping System." Once in the mapping program, enter the home's address and select "flood zones" under the map layer tab to view the letter classification rating.

Feel free to contact me if you would like to narrow in about a specific home.
I'd be glad to help.

Jacqualyn Walden
Coldwell Banker United, Realtors
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Sun May 26, 2013
Michael Moran answered:
No HOA dues on Soundside Dr. Only dues in Tiger Point area which range from approximately $100 to $170 a year. Give me a call and I will be glad to share the joys of living in Tiger Point with you. I have been here for 17 years and a Realtor for 14 so can answer all your questions. Thanks Mike Moran 850-221-8024 ... more
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Wed Feb 27, 2013
Nahiyao asked:
0 votes 0 Answers Share Flag
Fri Feb 28, 2014
Annette Lawrence answered:
#1 Do you have a phone?
#2. Are you a Virgo? They make the best agents.
#3, Do you exhibit the equity you have taken from other homeowners through the brand new expensive car you drive?
#4. How many letters have you purchased to append to your name?
#5. Do you buy lunch?

The real questions you need the answer to should not be asked. They will be provided without your need to ask by the agent who really has your best interest in mind. Of course I won't provide those questions in a public forum. Anyone who suggests the agents credit score is relevant has an ulterior agenda that does not include you. Many of the response you will receive is exactly that, ulterior agendas that can be summed up as,,,"This is the question I want you to ask, since I do have an answer."

Best of success in finding your new home.
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Sun Jan 27, 2013
Myke Atwater answered:
there is nothing on Gulf Blvd priced at 40,000. And there is no #10 Gulf Blvd on the market at any price. If you would like me to send you some properties, I would be happy to assist you.

Navarre/Destin would be a welcome bread from St Cloud this time of year.

Myke Triebold
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Fri May 31, 2013
Michael Moran answered:
Only a few homes in the Gulf Breeze community have that kind of area but it is easy to find slightly outside the city of Gulf Breeze. You will still be in the Gulf Breeze school district. Give me a call and I can help you find the perfect home for you. Thanks Mike Moran 850-221-8024 ... more
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Tue Jan 29, 2013
Craig Goolsby answered:
Hello! The Navy does training during the day at higher altitudes. Every-now & then, you will hear aircraft fly @ lower altitudes at night. Plus, there is armament testing at Whiting field occasionally into the evening. ... more
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Mon Dec 3, 2012
Willie Craig Jr answered:
A seasoned real estate professional who is familiar with your area (Milton) can give you an estimate of value without a charge. The key word being estimate typically called a comparison market analysis (CMA). My suggestion is do not settle for just one. Shop your agent and consider the explanation of their CMA to make your decision on who to use and the price to list your home.

I would be happy to help you in preparation to sell your home.
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Wed Nov 28, 2012
Jarrod Powell answered:
Hello Ms. Collier, the correct price for this property is: $460,000. It is a 4 bedroom and 2.5 bath. I would be happy to talk with you about it or take you for a showing. You can contact me at:

Jarrod Powell
RE/MAX Total Properties
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Sat Sep 1, 2012
ashleypotter30 answered:
it is an amazing place to live.....however, the water gets " angry " and flooding is 100 % quayside will flood and good luck ♣ w/ homeowners flood coverage it is almost impossible! The schools are GREAT and G. Breeze has Alabama charm! It's like you're not even in say Crappy Orlando! It's like this....I'm moving back after 5 years away...Once you live there you WILL love it!!!!! ... more
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Wed Apr 3, 2013
Alison Hillman answered:
Hey there,

School information provided by OnBoard Informatics.

Let me know if I can help with anything else.

Ali, Community Manager
0 votes 2 answers Share Flag
Fri Sep 7, 2012
Myke Atwater answered:
They should be good. That is a decent score, and with that much down, you should be fine. I can recommend some local lenders to you that do a terrific job that could tell you quickly what you can do. And Navarre is a good price point as well.

I look forward to hearing from you, Jean.

Myke Triebold, GRI, LMC, ABR, SFR
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Tue Aug 28, 2012
Robert Kingry answered:
Treasure St is located in the Holley by the Sea subdivision.
This is a very nice area. Low crime and friendly neighbors.
I have been selling homes in Holley by the Sea since 1988.
Please call me if you have any more questions.
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Wed Nov 28, 2012
Howard Vogin answered:
Try the county property appraiser for sales history
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Wed Jul 11, 2012
Quayside Village Neighbor answered:
No, particularly in neighborhoods like Quayside Village where it is not on a flood plain yet you still have access to the inintercoastoal waterway. My friends and I Love this about my neighborhood! ... more
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Mon May 14, 2012
Thomas Bohlmann answered:
Thu Nov 12, 2015
Scott Nowling answered:

Generally attorneys and agents are hesitant to extend occupancy for the seller beyond closing. It introduces complexity and uncertainty for the buyer. What happens if you close, the seller gets your cash and then refuses to leave? What if they leave but damage the property before they go? What if they encumber the property in some way? All of these can be avoided with possession at closing. That said, many deals are done with a post-closing possession date. Unless you anticipate a long-term leaseback arrangement, the length of time from closing to possession should be short.

Closing can be really quick for a cash sale to an eternity for a short sale. It really depends on the complexity of the sale and every one is different. Cash deal ~2 weeks, conventional loan ~45 days, short sale ~who knows.
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Wed Apr 18, 2012
Tish Leahy answered:
Hi Mimi,

As far as I know, all of the schools (elementary, middle and high schools) in Gulf Breeze and Navarre are rated as "A" or "A+" schools. So wherever you decide to live you can't go wrong.

I hope that helps. If I can help with anything else, let me know.

Tish Leahy
Crystal Shores Realty
Advantage Appraisal Services of NE FL, Inc
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