Getting a mortgage in Pensacola, like elsewhere, involves several key steps. Here's a breakdown of the process: 1. Financial Assessment: Credit Check: Lenders review your credit score to evaluate your creditworthiness. Income Verification: Provide proof of income and employment stability. 2. Preparation: Research Lenders: Explore different lenders or mortgage brokers in Pensacola. Determine Budget: Calculate how much you can afford as a down payment and monthly payments. 3. Mortgage Pre-Approval: Application: Fill out a mortgage application with your chosen lender. Documentation: Submit financial documents (pay stubs, tax returns, bank statements, etc.). Pre-Approval: Once approved, you'll receive a conditional commitment in writing for a specific loan amount. 4. House Hunting: Find a ... 11/21/2023

Welcome to the vibrant and picturesque city of Pensacola, Florida, where the sun-kissed beaches meet Southern charm. If you're in the market for a new home, Pensacola has a lot to offer. In this post, we'll guide you through the diverse range of homes for sale in Pensacola, ensuring that you find the perfect match for your lifestyle. From waterfront properties to historic gems, Pensacola's real estate market has something for everyone. Waterfront Wonders: Pensacola Beach and Beyond Pensacola is renowned for its stunning waterfront properties. Imagine waking up to the sound of gentle waves and enjoying breathtaking sunsets from your own backyard. The Pensacola Beach area offers a variety of homes with direct access to the Gulf of Mexico. Whether you're interested in a cozy beachfront cot... 11/20/2023

Selling a property is a significant financial transaction, and while the allure of saving on agent commissions may be tempting, there are compelling reasons why using a real estate agent is often a wiser choice than attempting a "For Sale By Owner" (FSBO) approach.Firstly, real estate agents bring a wealth of expertise to the table. They are well-versed in the intricacies of the market, possessing a deep understanding of pricing dynamics, neighborhood trends, and legalities. This knowledge allows them to accurately assess the value of your property, ensuring you don't undersell or overprice it.Secondly, agents have an extensive network. They can leverage their connections to market your property effectively, tapping into multiple listing services, online platforms, and their professiona... 11/14/2023

Buying a home is often considered a wise financial decision compared to renting, and several compelling reasons support this perspective. One of the primary advantages of buying is the potential for building equity. Unlike renting, where monthly payments contribute solely to the landlord's income, mortgage payments allow homeowners to accumulate ownership in their property over time. This equity can serve as a valuable asset and provide financial stability. Another key factor favoring buying is the potential for property appreciation. Real estate values tend to increase over the long term, meaning that homeowners can benefit from the appreciation of their property. This can result in significant financial gains when it comes time to sell. Furthermore, homeownership provides a sense of ... 11/13/2023

Good Day To You, I am Charles Stallions a local real estate broker, restauranteur, and ambassador to all things on the Gulf Coast from the sandy beaches to the farmlands of Pace Florida, from the sunny skies to the moonlit romantic nights I can guide you through all things Gulf Coast text or call me 850-476-4494. This week in Pensacola promises to be an exciting one with a variety of events and activities to enjoy. Whether you're a resident or a visitor, there's something for everyone to look forward to. Cultural Festivals: The Pensacola area is known for its rich cultural diversity, and this week features several cultural festivals celebrating different traditions. From a Greek food festival to a Caribbean music and dance showcase, you can immerse yourself in a world of flavors and rh... 11/06/2023

Share this article: FacebookTwitterLinkedInPrintShare Florida Sales Report: Single-Family Sales Up   The increase breaks a pattern of declines, says Florida Realtors Chief Economist O’Connor, as prices rose 1.3%. For 3Q 2023, though, sales were down 3.2%. PENSACOLA, Fla. – With the increase in mortgage rates, and skepticism in the economy housing in Pensacola, Pace, and Gulf Breeze seem to be on the downswing and now the sudden tick-up what gives? Click Here For More Info and To Share.    Looking to buy Click Here to see our inventory as as the latest homes to come on the market, or do your search as often as you like.    Mortgage 101, it all starts here we do the research for you whether a VA, FHA, Conventional or non-traditional. We can help take the challenges out of the equation.  ... 11/02/2023

Pensacola, Florida has a diverse culinary scene with a variety of excellent restaurants to choose from. Here are some great dining options in Pensacola: The Fish House: This waterfront restaurant is known for its fresh seafood, including local catches. Enjoy views of Pensacola Bay while savoring dishes like Grits à Ya Ya and the signature Grits a la Tasso. McGuire's Irish Pub: Famous for its hearty Irish fare, including steaks, burgers, and, of course, Irish whiskey. The atmosphere is lively, with dollar bills adorning the walls and ceilings. Jackson's Steakhouse: If you're a fan of prime steaks and fine dining, Jackson's is a top choice. They also have a great selection of wines and offer a beautiful view of the bay. Iron: A unique and upscale dining experience featuring a menu inspir... 10/16/2023

How to get a Mortgage and FREE Credit Report    Thinking of buying use our Broker Buying System to do your searches, find out the actual value of each home before you make an offer, property disclosures at your fingertips, home inspection reports, and any work that has or may have been done to the home before seller putting a home on market. Charles Stallions Real Estate Services will be with you every step of the way. Looking for that perfect home at a price you want to pay click here My Home own search! and do it yourself or as one of our experts to do it either way we are ready to help you. We can help you relocate, find a job, and a daycare, and great places to eat, shop, and play along the Gulf Coast. It all starts by clicking here  Put our over 28-plus years to work in your best ... 10/09/2023

We have listed ten reasons why people are moving to the city. Take a look below: Beautiful white sand beaches There's no state income tax in Florida A year-round playground Pensacola is an affordable city for real estate Great local cuisine & dining options Top-rated healthcare A strong employment market Endless events to check out A city with a rich, historical heritage Bountiful wildlife, parks & nature trails If you’re moving to Pensacola Florida, you’ll find various beautiful and livable neighborhoods to call home. However, searching for a home in the city might be tricky if you don’t know precisely where to look. We’ve made a list of the best places to live in the city if you’re moving to Pensacola Florida. East Pensacola Heights Tiger Point Downtown Oriole Beach Gulf Breeze Ferry... 10/09/2023

Are you mulling over moving to Pensacola, Florida? We love Pensacola, and we have plenty to offer known for its white sand beaches and rich history, moving to Pensacola can be your best-moving decision as it is one of the best places to live in Northwest Florida.   If you enjoy spending time outdoors, hiking the trails, and seeing history as it was and is today you will love exploring Northwest Florida, moving to Pensacola makes perfect sense for you. We have remarkable weather and young one old alike come for many things but all find something that keeps them here. If you’re yet to figure out if moving to Pensacola is right for you, our guide contains all you need to know about the city to make the right decision.   https://www.visitpensacola.com/ is as up-to-date as one can get on th... 09/25/2023

It’s the biggest double header closing weekend in Five Flags Speedway history! Friday, Sept 22, and Saturday, Sept 23rd at Five Flags.Gates open at 5pm, racing at 7pm on both nights with free parking. A double header weekend comes to Five Flags Speedway for the biggest season closing ever!Friday night, it’s race number 3 in the Deep South Cranes Blizzard Series featuring the American Welding Society One Hundred.Along with the Story and Bleich Roofing Crown Stock championship where the season champ will be crowned! www.fiveflagsspeedway.com. Weekend Happenings this week in Pensacola, Pace, and Gulf Breeze Florida  Visitors Guide Request Please fill out the information below to receive a free Visit ... 10 Things You Must Do on a ... 1. Go to the Beach! (Obviously) · 2. Explore 460 Years ... 09/23/2023

There are as many ways to get a home loan in Pensacola Florida as there are homes LOL with little to no money down let's look at a few. There are always the traditional ways as well such as FHA, VA, and Conventional.    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. SHIP funds of up to $25,000 based on income are available for down payment and closing cost assistance. The monies are offered in the form of a zero-interest deferred payment loan.  Pensacola Homebuyer Incentive Program The City of Pensacola is offering up to $30,000 in down payment and closing ... 09/18/2023

Primarily a safe place to live in Florida and Pensacola is that, making it a great place to move to with your family. The majority of people moving to Pensacola come from other areas in Florida or New York, Chicago, and Boston in search of single-family homes, apartments, and waterfront homes and stay because of the affordability. Some places within Pensacola are Gulf Breeze, Oriole Beach, East Hill, and Belmont-DeVilliers. Although all of Pensacola is known to be safe, Ferry Pass North, Mallory Heights, Pensacola Station, and Paradise Beach are some neighborhoods that are named for their extra safety.   Click Here For The Newest ListingIn Pensacola Florida and the surrounding area. https://www.visitpensacola.com/ is as up-to-date as one can get on the area's happenings. Looking to Sel... 09/18/2023

Pensacola market will show signs of slowly slowing there will still be a lot of homes sold and various financing tools will be used for sure but the winners will be buyers who realize that buying is still better than renting and refinancing down the road will pay off in high equity.  Want to know what experts say will happen in Pensacola for the rest of 2023? Home prices are already appreciating again in many areas. The average of the expert forecasts shows positive price growth. Where Pensacola mortgage rates go for the rest of the year will depend on inflation. Based on historical trends, rates are likely to ease as inflation continues to cool. Even though low inventory for the nation continues to be a challenge, experts project that 5 million homes will still sell this year. That pa... 09/12/2023

Looking to buy Click Here to see our inventory as as the latest homes to come on the market, or do your search as often as you like.  Mortgage 101, it all starts here, we do the research for you whether a VA, FHA, Conventional, or non-traditional. We can help take the challenges out of the equation.  How to get a Mortgage and FREE Credit Report      Looking to Sell your home Click Here for a Free Appraisal and a Guide On Selling Your Home in the current market.     Need to sell your home before you buy and afraid of having two payments Click Here and receive an instant offer today, see if it works for you. Bottom Line " We "R" The Realtors For That" Sign up for our Monthly Real Estate Newsletter   We are Ambassadors for all things Pensacola, Pace, or Gulf Breeze, Florida whether a firs... 09/10/2023

Severe Weather Ahead? No Sweat–As Long As You Are PreparedContinue To Read and Please Share Charles Stallions, a Local Real Estate Broker on the Gulf Coast of Florida writes a daily real estate blog post on many subjects and most folks say they found a Golden Nugget or two that benefited their lives or someone they knew. Need a contractor, house cleaner, cash buyer, Job, restaurant, school info, you name it we have it or will find it. It Is Who We "R" We pride ourselves on having the best resources to share. We would love to hear your thoughts and ideas as to home we can serve you better please email us at charles@charlesstallions.comor Text Charles at 850-476-4494 for answers to your real estate questions.  09/06/2023

Pensacola Market Home Sales Data The Pensacola Florida residential real estate market has undergone many changes over the past nineteen years. One of the best ways to understand what has happened and where we are today is to analyze monthly home sales data and trends illustrated by the resulting charts. July 2023 Real Estate Sales Summary: Sales in the Greater Pensacola and beach areas of condos and homes have come off of record highs of 2022, as seen in the monthly listing sales from the Pensacola MLS on the chart below. Cash buyers now make up 23% of all real estate sales in our market. There were 776 residential sales this July and 932 sales in July 2022. The inventory of homes and condos is low and has decreased slightly in July. The average residential price this month is up to $3... 09/04/2023

82% of consumers nationwide said it’s a “bad time to buy” a home in Fannie Mae’s July survey – an all-time low. And those saying “good time to buy” dropped from 22% to 18%.   WASHINGTON – Fannie Mae’s Home Purchase Sentiment Index (HPSI) increased slightly in July, though consumers’ growing confidence about their personal financial situations was largely offset by additional pessimism about homebuying conditions in Pensacola Florida. Half of the HPSI’s six components rose month-to-month, but more than four out of five consumers (82%) said that it’s a “bad time to buy” a home – a new survey high and up from 78% in June. The full index is up 4.0 points year over year. “While Pensacola consumers are reporting confidence in the components related to their personal financial situations, it’... 08/28/2023

If You are a business owner that enjoys comradeship and giving back in the Pensacola / Cantonment area this is where you belong. Place: Saint Lukes Methodist Church in the conference center1394 E Nine Mile Rd Pensacola, FL 32514.Time: Every Wednesday at 12 pmBring plenty of business cards and join the action lunch in on us.Call or Text Charles Stallions at 850-476-4494 if needed.email me at charles@charlesstallions.comClint is 48 years old and has been with the Department for about 4 years now; He retired prior to joining the Agency from owning his own business (Clint Holmes Automotive) in Pensacola. Clint is very active in the community and enjoys helping others taking this job for that reason not for financial reasons. Clint stated that he always wanted to be a Cop had to go other rou... 08/22/2023

Most buyers want move-in ready, but they’ll have a wider selection with fixer-uppers, and an FHA 203(k) loan can roll upgrade/repair costs into their first mortgage.  By Libby Wells Continue To Read And Share    Newest Listing In Pensacola Florida  https://www.visitpensacola.com/  Looking to Sell your home Click Here for a Free Appraisal and a Guide On Selling Your Home in the current market.  Need to sell your home before you buy and afraid of having two payments Click Here and receive an instant offer today to see if it works for you.    Bottom Line "There Is A Realtor For That" Buying or Selling while living on the Gulf Coast Sign up for our Monthly Real Estate Newsletter 08/21/2023