Homeowner TipsYou've done it. You've bought a home and now own part of The Dream. In the process you've also acquired many responsibilities and concerns. There are mortgage payments to make, records to keep and maintenance work to complete. Below are a few tips for the new owner. Mortgage paymentsEvery month you'll receive a statement from your lender reminding you that your mortgage payment is due, or, if you have a coupon book, you'll have to remember to send your payment on time. Some lenders can automatically deduct monthly payments from your checking account. This saves time and postage costs. It can also prevent the possibility of missing a payment. Ask your lender about this service. Furnishing and renovatingYou've just moved in. Most of your belongings are still in boxes. But y... 04/18/2010

Here's a nice surprise...good news involving the word "taxes." Recent changes in the tax laws have made real estate a more attractive investment than ever before. As a homeowner you are eligible to take advantage of these tax changes and deductions to keep more money in your pocket this year. Profits from the sale of your home Congress did homeowners a huge favor by passing the Taxpayer Relief Act of 1997. Today, you can exclude up to $250,000 in profits (or $500,000 if you are married and filing a joint return) from the sale of your primary residence from your taxable income. Previously, this type of deduction only applied to those who were age 55 or older. Let's say a married couple purchased a home for $300,000 five years ago and sold it for $450,000 in 1998. They get to keep the $15... 04/18/2010

Feeling a Little Cramped? Moving Up If your home is giving you "the squeeze" because your family has grown or you're seriously thinking about buying a home in a more upscale neighborhood, then you may be ready to move up to your next home. But how do you get started? Begin with a "reality check." Take some time to really look at what the next step may be. Visit the neighborhoods you may be interested in. Tour open houses or homes for sale to see what kind of home is available in your price range. I can show you neighborhoods and homes that you might not have considered, but that will meet your needs. Trust your instincts and focus on what you know fits your lifestyle. Then I can help advise you on the value and investment quality of the homes on the market. Next, talk to your lender to... 04/17/2010

Antique moldings, a unique staircase and a colorful past give one listing a historic charm that can't be replicated, yet another home is brand-new with all of the latest high-tech amenities. Which one is right for you? We're fortunate to have a variety of home styles - and ages - to choose from in the area. Each has its own appeal, depending on your lifestyle, price range and personal taste. I can help you find a home that meets your needs and style. In the meantime, here's a look at some of the points to consider when choosing between an older, more historic home and a new, state-of-the-art property. Older Homes Craftsmanship: Older homes feature special touches that, in some instances, can't be replicated. Beautiful columns, antique lighting fixtures, stained or beveled glass, wood t... 04/17/2010

Your newly constructed dream house is almost ready and it's time for the all-important walk-through with your builder. Do you know what you should be looking for? Some problems may not be readily visible, even if you hire a professional inspector. Fortunately, most builders offer a warranty to cover problems in the workmanship of a home -- they do not, however, cover problems resulting from owner neglect or faulty maintenance. Still, knowing what to look for in your pre-settlement walk-through is a good way to catch potential problems. Here's a helpful "punch list" to use from the National Association of Homebuilders: Outside Grading: Does the ground around the foundation slope away from the house? Make sure the water does not pond or pool in large puddles, especially near the foundatio... 04/17/2010

Whether you're planning a move across town or across the country, making the move hassle-free is what it is all about. Besides the traditional garage sale and packing of boxes, there are a few details you won't want to forget before you begin loading the truck: Plan Ahead Experts recommend scheduling moves at least one month in advance, especially during the peak-moving season between May and September. Some estimates indicate 80 percent of all moving and storage business is done when schools are out. That's when employees are most likely to be transferred. Ask Questions Take the time to get as much information as possible from moving companies before selecting one. Check on truck size and availability. Ask about moving supplies, such as boxes, dollies and furniture pads. Find out abou... 04/17/2010

We here at the Charles Stallions Real Estate Services continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze, Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2  A Snapshot of the GulfBreeze, Florida Housing Market   Available Homes                         = 403 FORECLOSURES/ Short Sales        = 63 New listings this month                = 67 Current Homes Under Contract      = 85 Homes Sold In Last 30 Days       = 27 Average Days On The Market      = 149 Average Sales Price                   = $246,892 List Price to Sales Price              = 94. % TIP OF THE MONTH Would you l... 04/17/2010

Joyce Kelley, CBR, SREE - 800-309-3414, The Lead Buyers Agent to Charles Stallions here in Pensacola, Pace and Gulf Breeze, Florida. Being a buyers agent allows me to really WOW my customers, devote the time needed for them to choose and pick the PERFECT home. I don't have to weigh my decisions on the sellers needs or any third party. 100% totally to the buyer. Being the Lead Buyers Agent means I set the Standard of which our team will be judged. I want the EXPERIENCE to be spectacular and any thing less is unacceptable. Call Joyce and meet first hand some of the many buyers that we have helped buy a home where you are not another buyer, you are family.  ______________________________________________________________________________________________ THOUSANDS OF HOMES.... One Address www.... 03/28/2010

Joyce Kelley, CBR, SREE - 800-309-3414, The Lead Buyers Agent to Charles Stallions here in Pensacola, Pace and Gulf Breeze, Florida. Being a buyers agent allows me to really WOW my customers, devote the time needed for them to choose and pick the PERFECT home. I don't have to weigh my decisions on the sellers needs or any third party. 100% totally to the buyer. Being the Lead Buyers Agent means I set the Standard of which our team will be judged. I want the EXPERIENCE to be spectacular and any thing less is unacceptable. Call Joyce and meet first hand some of the many buyers that we have helped buy a home where you are not another buyer, you are family.  ______________________________________________________________________________________________ THOUSANDS OF HOMES.... One Address www.... 03/27/2010

Gulf Breeze, Florida Real Estate We here at the Charles Stallions Real Estate Services continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze, Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2  A Snapshot of the GulfBreeze, Florida Housing Market   Available Homes                         = 328 FORECLOSURES/ Short Sales        = 44 New listings this month                = 35 Current Homes Under Contract      = 58 Homes Sold In Last 30 Days       = 15 Average Days On The Market      = 162 Latest Assumption Rate             = 22 months Average Sales Price                   = $294... 02/28/2010

3BR/1BA Single Family House   offered at $69,900 Year Built 1964 Sq Footage 1,184 Bedrooms 3 Bathrooms 1 full, 0 partial Floors Unspecified Parking Unspecified Lot Size 7,840 sqft HOA/Maint $0 per month DESCRIPTION ** Cottage Style Home in the Downtown Area ** Just minutes from Downtown Business District, Dining, Shopping and NAS ** This House has had New Carpets, Fresh Paint, Roof,Some Updated Plumbing ** There is a Roomy Screened Porch(13.6x8) for Cool Breezes and Relaxing ** Spacious Master Bedroom and Two Additional Bedrooms ** Eat-in-Kitchen with Adequate Cabinets and Counter Space, Refrigerator and Stove ** The Yard is Totally Chain Link Fenced for Kids and Pets Safety *** Move in Ready ***   Outside click on thumbnail to enlarge PROPERTY FEATURES Living room Refrigerator Stove/O... 02/27/2010

A valid real estate contract must be in writing and be freely offered by the buyer and accepted by the seller. All parties to the contract must be legally competent to do business. Money or other valuable consideration needs to be exchanged for title to the property. Keep in mind that if things go wrong, the buyer could require you to sell your home to him/her or pay damages. Be familiar with the terms of any contract you give to a would-be purchaser. Consider the contract as a whole. Is it slanted in favor of the buyer? If so, consult an attorney about making changes. Analyze the document as a series of paragraphs or clauses, each written to benefit one party or the other. Key Elements of the Contract Price and termsIf a low offer comes your way, remain cool until you've examined the ... 02/20/2010

Traditional Loan Process You've found the mortgage you want and you're ready for the next step - the loan application. The process costs anywhere from $100 to $500 and is usually non-refundable. Lenders levy the fee to cover the costs of running credit reports and filling out mortgage-insurance applications. What to expect You will need raw material, and lots of it, for the application: income and balance-sheet figures and evidence, copies of past income-tax returns and the title to your car. Take the paperwork you gathered during the prequalifying process with you. Be prepared to provide the name and phone number of someone who can verify your financial information - most likely your employer's personnel office. If you have substantial non-salary income from investments, you'll be ask... 02/19/2010

 Gulf Breeze Homes for sale and Market Report for January 2010 Gulf Breeze Florida Real Estate We here at the Charles Stallions Real Estate Services continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2  A Snapshot of the Gulf Breeze Florida Housing Market   Gulf Breeze Homes for sale         = 318 FORECLOSURES/ Short Sales        = 21 New listings this month                = 66 Current Homes Under Contract      = 47 Homes Sold In Last 30 Days       = 18 Average Days On The Market      = 169 Latest Assumption Rate             ... 02/07/2010

Gulf Breeze, Florida Real Estate We here at the Charles Stallions Real Estate Services continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze, Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2  A Snapshot of the GulfBreeze, Florida Housing Market   Available Homes                         = 318 FORECLOSURES/ Short Sales        = 21 New listings this month                = 66 Current Homes Under Contract      = 47 Homes Sold In Last 30 Days       = 18 Average Days On The Market      = 169 Latest Assumption Rate             = 18 months Average Sales Price                   = $200... 02/07/2010

  Gulf Breeze, Florida Real Estate We here at the Charles Stallions Real Estate Services continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze, Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2  A Snapshot of the GulfBreeze, Florida Housing Market   Available Homes                         = 296 FORECLOSURES/ Short Sales        = 21 New listings this month                = 35 Current Homes Under Contract      = 41 Homes Sold In Last 30 Days       = 18 Average Days On The Market      = 152 Latest Assumption Rate             = 16 months Average Sales Price                   = $28... 01/02/2010

Rebekah Gilmore is a highly skilled massage therapist.  As a deep tissue extraordinaire, Rebekah searches for blockages in your tissue and muscle, and with precision and care, releases them to rid your body of pain and toxins.  More than just a massage, you will experience your best self through the help of touch.  Rebekah is an expert in deep tissue structural bodywork, relaxation, Swedish and sports massage. Rebekah has been a licensed massage therapist for over a year.  She attended the Soothing Arts School of massage in Pensacola, FL.  She is nationally, as well as state certified.  She has maintained a private massage therapy practice in Navarre, FL since May of 2009.  She offers many different types of massage, including Swedish, Deep Tissue, relaxation, and sports massage. Rebeka... 12/18/2009

Gulf Breeze, Florida Real Estate We here at the Charles Stallions Real Estate Services continuously monitor local real estate statistics to keep our clients informed and ahead of the real estate trends.  Below you will find Gulf Breeze, Florida real estate statistic. For last months stats scroll down, call me or e-mail for even more details. What can I do to sell my home for more money? SELLERS TIP # 2  A Snapshot of the GulfBreeze, Florida Housing Market   Available Homes                         = 322 FORECLOSURES/ Short Sales        = 21 New listings this month                = 38 Current Homes Under Contract      = 56 Homes Sold In Last 30 Days       = 34 Average Days On The Market      = 218 Latest Assumption Rate             = 9 months Average Sales Price                   = $20,5... 12/09/2009

Consider the ContractA valid real estate contract must be in writing and be freely offered by the buyer and accepted by the seller. All parties to the contract must be legally competent to do business. Money or other valuable consideration needs to be exchanged for title to the property. Keep in mind that if things go wrong, the buyer could require you to sell your home to him/her or pay damages. Be familiar with the terms of any contract you give to a would-be purchaser. Consider the contract as a whole. Is it slanted in favor of the buyer? If so, consult an attorney about making changes. Analyze the document as a series of paragraphs or clauses, each written to benefit one party or the other. Key Elements of the Contract Price and termsIf a low offer comes your way, remain cool until... 12/05/2009

In spite of some positive economic news.  But buying turned fierce early Friday when Dubai World, that country's financial arm that is responsible for funding the massive construction efforts in that country, said it may have to postpone meeting its $60 billion worth of financial obligations.  Asian markets tumbled, and money headed to the safe haven of Treasuries, sending the 10-year note yield, which moves inversely to price, tumbling to its lowest level since June.  Occurrences such as this, however, are generally a temporary reaction to a monetary crisis. The week began on an up note, with existing home sales in October rising 10.1% to an annual rate of 6.10 million units -- the most since February 2007.  This put pressure on Treasuries, but they rebounded when St. Louis Fed preside... 11/30/2009