Don't spend time working to get a listing if; 1.The seller is not motivated  2.The seller suggests you break the law by nondisclosure or discriminatory practices  3.The listing is outside your target market, such as in an adjoining community or is a warehouse opportunity if you are a residential sales associate.  4.The listing is outside your preferred price range 5.The property condition is so bad you would be embarrassed to show it  6.The owners are so rude or demanding you don't want to work with them.  This information is courtesy of Captain Wayne Rowlett and Rowlett Real Estate School www.rowlettrealestateschool.com Rowlett Real Estate provides traditional classroom training in Panama City, Florida and in Destin Florida. Feel free to visit our classroom schedule athttp://www.rowlet... 07/10/2011

Nearly every business transaction is based on a contract.  The key to every contract is the promise. In real estate contract, the seller promises to convey title and the buyer promises to pay. Contract promises are enforceable by law. To draft a legal document for others is considered practicing law. Real estate brokers and sales associates may not prepare deeds, mortgages, promissory notes or other legal documents. Licensees who prepare such instruments could loose their license, regardless of whether they receive compensation. Real estate licensees are allowed to assist buyers and sellers with the drawing of four types of Real Estate Contracts; -Listing agreement -Buyer brokerage agreement -Sale and purchase contract -Option contract This information is courtesy of Captain Wayne Rowle... 07/03/2011

A Federally Related Transaction must be prepared by a state-certified or licensed appraiser. Unless a real estate-related financial transaction has been specifically exempted, Certified or licensed appraiser is not required if the transaction value is $250,000 or less. •The transaction value is the loan amount and in some situations, the market value. Market Value means the most probable price a property will bring from a fully informed buyer, willing but not compelled to buy and the lowest price a fully informed seller will accept if not compelled to sell. Real estate licensees are cautioned that just because a transaction is not a federally related transaction, it does not mean that real estate licensees are allowed to provide the appraisal services. FHA and VA transactions and apprai... 06/12/2011

No Money Down Rural Housing USDA Loans in Cedar Grove Florida are back and fully funded. The new sub-prime loans of today are the government backed or sponsored loans. The FHA Loan is one we are all familiar with but how many of you know about the USDA Rural Housing Loan.  Here's how it works 100% financing on homes located in certain geographical area's with borrower's who are in certain income ranges. That's it! Use this link to see if the property qualifies by falling into one of the designated geographical area's http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do Remember when income qualifying to use the income of the ENTIRE family. Seller can pay up to 6% of buyers closing cost The 3.5% Guarantee Fee is included (Financed) in with the loan amount 100% of borrowers c... 05/02/2011

Walton County Florida Home Buyer Assistance Program Process and Time Line 1.  County sponsored home buyer education class is required. 2.  Home buyer is APPROVED and signs contract for home. 3.  Lender sends Reservation Form with contact to county. 4.  With-in 5 days, home is inspected by county staff. 5.  If necessary, lead based paint assessment is completed. 6.  Lender sends loan package to county. IF NO REPAIRS ARE NECESSARY...... 7.  County approves application package. 8.  County contracted appraiser completes appraisal. 9.  Home buyer meets with home buyer counselor. 10. Mortgage package e-mailed to title company. 11. Home buyer assistance check is released by county after HUD 1 is approved. 12. Closing occurs at the offices of the title company. FOR MORE INFORMATION PLEASE VISIT... 02/21/2011

MLS#: 544511 OfficeFile#: ListPrice: $134,900 Status: Active ApproxSF: 2,508 BG: Address: 211 EL CENTRO BLVD N $/Sqft: $53.79   PANAMA CITY BEACH, FL Bedrooms: 5 Zip: 32413 Baths Full/Half: 2/1 County: BAY Stories: 2 MainArea: 27 Bay County YearBuilt: 1970 SubArea: 07 BEACH EAST OF HWY 79 OccStat: Vacant Subdiv: EL CENTRO BEACH ImmOcc?   ParcelID: 33512-020-000 ConstrStat: Construction Complete ElemSch: HUTCHISON BEACH Middle: SURFSIDE High: ARNOLD Dir: Back Beach Rd. just east of Hwy 79. Turn south towards the beach on El Centro next to Visions Bank. Continue south to 211 on the east side of the road. Legal: Lot: 10 & N 40 LOT 9 Blk: 26 Sctn: 19 Twnshp: 3S Rng: 16W Legal: El Centro Beach MAP-29B4 S40' Lot 10 & N 40 Lot 9 ORB 449 P 529 BLK 26 Bank Forelcosure.This is a very large home ... 02/20/2011

Bay County Florida Home Buyer Assistance Program Process and Time Line 1.  County sponsored home buyer education class is required. 2.  Home buyer is APPROVED and signs contract for home. 3.  Lender sends Reservation Form with contact to county. 4.  With-in 5 days, home is inspected by county staff. 5.  If necessary, lead based paint assessment is completed. 6.  Lender sends loan package to county. IF NO REPAIRS ARE NECESSARY...... 7.  County approves application package. 8.  County contracted appraiser completes appraisal. 9.  Home buyer meets with home buyer counselor. 10. Mortgage package e-mailed to title company. 11. Home buyer assistance check is released by county after HUD 1 is approved. 12. Closing occurs at the offices of the title company. FOR MORE INFORMATION PLEASE VISIT: H... 02/09/2011

Free for the asking, we will send you our New Spring Florida Real Estate School Catalog.  In our catalog, you will find a complete line up of classroom courses offered in Panama Ctiy Beach Florida.  We also have a large selection of the most popular study material, real estate course books and marketing tools available at the lowest prices. Feel free to explore our website at http://www.rowlettrealestateschool.com/ P.Stone, RRES 01/02/2011

   This custom designed upscale home by Juan Montoya promises to impress. From the moment you pull into the driveway it's easy to see that opportunity awaits inside and out.  Give me a call today to schedule your appointment to view this modern beauty. You won't be disappointed!       Entryway... Living Room...   Living Room_View 2... Living Room_View 3... Living Room_View 4...  Dining area overlooking the pool... Gourmet Kitchen... Gourmet Kitchen_View 2... Library/Office... Master Bedroom... Master Bedroom has views of the beautiful St. Andrews Bay... Luxurious Master Bath... Additional Bedroom #1... Additional Bedroom #2... Additional Bedroom #4... Guest Bath... Balcony overlooking the majestic oak trees toward the Bay...   Covered patio... Secluded drive way...       Residential - D... 11/16/2010

Exam Prep & Review For Sales Associates & Broker     Payment in Full $125.00 Our Previous Students Pay Remainder For Discount - $99.00 Oct - 23 - 24 Dec - 11 - 12 Feb - 5 - 6 -- 2011 April - 16 - 17 -- 2011 June - 4 - 5 -- 2011 Class hours 8:30 to 5:30 central Captain Wayne Roweltt invites you to join Rowlett Real Estate School for our 2 day Exam Prep Course for Sales Associates and Brokers.  Class will be held at 309 Richard Jackson Blvd. Suite 200 -2nd floor in Panama City Beach Florida. "Pass Your Real Estate Exam the First Time!"  For more information, visit our website at www.rowlettrealestateschool.com 09/11/2010

Check this out just wanted to get the word out...   FHA short refinance option now available WASHINGTON – Sept. 8, 2010 – In an effort to help responsible homeowners who owe more on their mortgage than the value of their property, the U.S. Department of Housing and Urban Development (HUD) now provides a new refinancing option for underwater borrowers. Originally announced in March, the enhancement of a Federal Housing Administration (FHA) refinance program offers non-FHA borrowers the opportunity to qualify for a new FHA-insured mortgage. To qualify, the homeowner must be current on his existing mortgage and lien holders must agree to write off at least 10 percent of the unpaid principal balance.The FHA Short Refinance option is targeted to people who owe more on their mortgage than the... 09/08/2010

 Our No Cancel Guarantee Policy If you pre enroll in a Post License or Continuing Education class and your license is within 60 days of expiration, we will not cancel the class. If there have been no pre enrollments, and no commitments to attend class 5 days prior to the class date, the class is subject to be rescheduled in six months. If you need the 14 hour continuing education after all classes are over and time is short, one option is the open book test. "Click here for details" Our classroom Post Sales Associate and Post Broker are normally offered twice a year in February and August and the classroom 14 hour Continuing Education in March and September. If you miss our classroom course and time is short, you may call and arrange for a "one on one" @ $15.00 per hour plus book in my ... 09/05/2010

A greenhouse is a transparent structure used to grow plants within. The primary purpose of a greenhouse is to trap light and heat, which allow plants to survive and thrive in climates where they would otherwise die. Greenhouses encourage the germination of new seedlings, extend the growing season for mature plants, and allow tropical plant species to grow in temperate climate zones. Commercial agricultural operations and hobbyist gardeners alike take advantage of greenhouse technology. The use of greenhouses for growing vegetables dates back to the Romans. Italians used the first modern greenhouses to propagate tropical species of plants that were brought back by early explorers. Greenhouses vary in strength and durability, and are usually constructed with glass or polycarbonate walls a... 09/04/2010

Joel Jadofsky | Latitudes Realty | (850) 258-2470 4006 7TH CIR E, Panama City, FL WATER FRONT HOME IN PANAMA CITY FL 3BR/2BA Single Family House offered at $129,900 Year Built 1982 Sq Footage 1,365 Bedrooms 3 Bathrooms 2 full, 0 partial Floors Unspecified Parking 4 Car garage Lot Size 17,388 sqft HOA/Maint $0 per month DESCRIPTION Awesome WATER FRONT home in Panama City. ONLY $129900 This 3 bedroom, 2 bath home has been updated and renovated with new carpet, new tile, fresh paint, cabinets, solid surface countertops and a newer roof. It is an easy move in and enjoy. The interior also features a wood burning fireplace, an additional family room and a very large utility room. Exterior features include a multi level deck overlooking a small lake, a fully insulated 24 x 24 detached garage,... 08/18/2010

August 23, 24, 25 we will be teaching a 30 Hr Post Broker Investment Course in Panama City, Florida.  The cost of this course is only  $125.00 including the book.  If you need to take the 30 Hr. Post Broker Investment Course before you renew your broker license, Rowlett Real Estate School offers the most affordable prices for classroom training as well as online courses available in most every state.  If you are considering an online course, check us out at www.RowelttCareerSchool.com and click on the state of your choice for available courses.  Our prices can't be beat!  We offer a full schedule of Real Estate classroom courses on our Florida Real Estate School website www.RowlettRealEstateSchool.com  Contact Captain Wayne Rowlett for discounts!                                         ... 08/14/2010

   This home is located in Cherokee Heights, a growing subdivision in northern Panama City, Florida. Priced at $180,000, this 4 bedroom home has lots of room for the growing family. It is located just 20 minutes from Tyndall Air Force Base making it a great home for Military families as well. Don't let this great home pass you by, give me a call today!   This is a HAP sale, the sellers have already applied and qualify for HAP.     Fenced Back Yard    Fenced Back Yard - view 2     Fenced Back Yard with Pool   Living Room   Living Room - view 2   Living Room - view 3   Kitchen   Kitchen - view 2   Kitchen  - view 3   Dining Room     Dining Room - view 2   Laundry Room   Master Bedroom   Additional Bedroom   Additional Bedroom 2   Additional bedroom 3 or office Residential - DSF MLS#: 4084... 07/28/2010

Rate Sheet July 23, 2010 Conventional Rates based on a loan amount of $200,000 with 720 Credit Score Conventional Loans with PMI require 720 Score VA/FHA/USDA Rates based on a $200,000 with a 720 Credit Scores   Rate:               Term:             LTV:               Points/Origination:           Conventional:  4.375%         30 Years       90%                        None 3.875%         15 Years       90%                        None           VA :  4.25%           30 Years       100%                      None FHA:       4.25%           30 Years       96.5%                     None Rural Development (USDA): 4.75%           30 Years       100%                      None              FHA Limit for Bay County is $396,250.00 VA Limit is $417,000.00 USDA Income Limit $74,050 for 1 -4 People $... 07/26/2010

Free 63 hour Pre Sales Associate Course For Our Troops in Panama City, Florida on July 16th 2010. Captain Wayne Rowlett and Rowlett Real Estate School would like to show our appreciation and gratitude to the members of our Armed Forces who have served our country in Iraq or Afghanistan, by offering "for free" the Florida classroom 63 hour Real Estate course. We will also extend this offer to the spouse of any member of the armed forces who is currently serving in Iraq or Afghanistan. (OEF/OIF Vets)  Free Course for our troops.  click here. 07/10/2010

At Corporate Housing, Inc., we have provided furnished temporary apartments nationwide for over 17 years, including Panama City, FL. Because we specialize in helping people and corporations find furnished temporary apartments in Panama City and all along the Gulf Coast, we want to make sure that if you are a real estate agent looking for a furnished temporary apartment for a client in Panama City, or anywhere in Florida or the Gulf Coast, you can depend on us to help. Put our experienced leasing agents to work to help find short and long-term furnished temporary apartments. Because we work and live in hurricane country, we know how to be responsive during times of emergencies such as hurricanes or the Gulf Oil Spill. Whether you need a temporary apartment in Panama City, Pensacola, Pas... 07/02/2010

This bank owned foreclosure is a MUST SEE! The home is in a very desirable neighborhood and just minutes from the beach, shopping, Tyndall Air Force Base, the Navy Base, and industrial areas of Panama City, Florida.  Don't wait to call me about this foreclosure...call TODAY for more information!   MLS#: 407859 OfficeFile#: ListPrice: $205,000 Status: Active Last Change: 06/28/2010 ApproxSF: 2,542 Address: 6806 FORSYTHE DR $/Sqft: $80.65   CALLAWAY, FL TotalRooms: Bedrooms:4 Zip: 32404 Baths Full/Half: 2/1 Con Docs:   Ownership/Sale Type: As Is, REO/Foreclosed MainArea: 05 BE-Bay County-East Stories: 1 SubArea: 0501 - Callaway/Parker/Springfield YearBuilt: 1994 Subdiv: CALLAWAY POINT OccStat: Vacant ParcelID: 07379-739-000 ImmOcc? Y     ConstrStat: ConstrCmplt ElemSch: Tyndall Middle: Ev... 06/29/2010