THINGS TO DO IN PANAMA CITY BEACH
The Thunder Beach Motorcycle Rallies have come a long way these past few years on virtually every level. The future, to be sure, is even brighter:
For more information go to www.ThunderBeachProductions.com
The Panama City Real Estate Market is heating up. There was 22 million is sold volume in February 2008. Check out the following chart...........
Sold Terms and Days on Market Statistics
Category - Residential / PropType: DSF / Area: Bay County Florida
Statistics for Entire MLS from 02/01/2007 to 03/01/2007
Category - Residential / PropType: DSF / Area: 02, 03, 04, 05
Statistics for Entire MLS from 02/01/2008 to 03/01/2008
| Sold Terms | Total | Total List $ | Total Sold $ | Avg List $ | Avg Sold $ | Med Sold $ | Avg DOM | Avg DTC | Avg $/SF | %SP/LP |
| Conventional | 74 | $18,993,690 | $17,839,541 | $256,671 | $241,075 | $188,075 | 163 | 27 | $134 | 93.92% |
| VA | 13 | $3,012,399 | $2,862,400 | $231,723 | $220,185 | $194,900 | 128 | 29 | $123 | 95.02% |
| Va Vendee | 0 | $0 | $0 | $0 | $0 | N/A | 0 | 0 | $0 | 0.00% |
| GHFA | 0 | $0 | $0 | $0 | $0 | N/A | 0 | 0 | $0 | 0.00% |
| Veterans | 0 | $0 | $0 | $0 | $0 | N/A | 0 | 0 | $0 | 0.00% |
| Assumption | 0 | $0 | $0 | $0 | $0 | N/A | 0 | 0 | $0 | 0.00% |
| Seller Financing | 0 | $0 | $0 | $0 | $0 | N/A | 0 | 0 | $0 | 0.00% |
| Cash | 4 | $766,000 | $686,000 | $191,500 | $171,500 | $185,500 | 111 | 29 | $113 | 89.56% |
| FHA | 6 | $935,800 | $934,900 | $155,967 | $155,817 | $141,450 | 92 | 18 | $114 | 99.90% |
| Other | 0 | $0 | $0 | $0 | $0 | N/A | 0 | 0 | $0 | 0.00% |
| TOTAL | 97 | $23,707,889 | $22,322,841 | $244,411 | $230,132 | $187,000 | 152 | 27 | $130 | 94.16% |
To find out the value of your Panama City Home, go to www.panamacityhomevalues.com
Deerfield Estates
Panama City, FL
Introducing Deerfield Estates, Panama City's newest neighborhood situated on a quiet cul-de-sac just 15 minutes from Tyndall Air Force Base. We have 19 homes available ranging from 1225 square feet to 1500 square feet. Each home will be brick and vinyl or all brick and if purchased during or pre construction, the buyers will be able to choose colors, carpet, brick, siding, cabinets (solid oak) , counter tops, lighting, etc.
Prices will range from $179,000 to $200,000
Call today for floorplans and pricing
If you are facing foreclosure, we may be able to help you or at least point you in the right direction of someone who will be able to help you. Our primary goal is to assist you, the homeowner to avoid foreclosure. This can be a very stressful time and we understand that; we are here to help you. Below we have listed some options that may be available to you and we are willing to work with you to see if there is anything we can do to help you or at least to put you in touch with the correct people who can help you, whether it be your financial institution, our real estate team, a local attorney, or a private investor. Please feel free to contact via phone or email for your free, confidential, in-home consultation. 850-890-0132 or jeff.payne@kw.com
Seller Alternatives to Foreclosure
Your house is in foreclosure and we want to be sure you understand your options. We advise you to consult with an attorney if you have any questions about any of these options.
Do Nothing - If a homeowner does nothing, they most likely will lose their home at sheriff's auction. Loan applications generally ask if the applicant has ever been foreclosed upon. Credit reports also disclose this information. This will stay on your credit report for up to ten years.
Payoff/Refinance - Completely paying off the entire loan amount plus any deficient amount and fees. This is usually accomplished through a refinance of the debt. New debt may be at a higher interest rate and there may be a prepayment penalty associated with the loan, due to recent default.
Reinstatement - Paying the entire default amount plus interest, attorney fees, late fees, taxes, missed payments and fees. This option will allow you to keep your existing loan and terms, if the lender allows.
Loan Modification - Utilizing the existing mortgage company to refinance the debt or extend and/or change the terms of the loan.
Forbearance - Lender may be willing to arrange a repayment plan based on the homeowner's financial situation. The lender may be willing to provide a temporary payment reduction or suspension of payments and/or penalties. Information will be required from the lender to show that you are able to meet the new payment plan requirements.
Partial Claim - A loan from the lender for a second loan to include back payments, costs and fees.
Deed in Lieu of Foreclosure - The owner simply gives the property back to the bank instead of the bank foreclosing. This is a "voluntary" foreclosure, and still appears as a foreclosure on your credit report for up to ten years.
Bankruptcy - This option can liquidate and/or re-organize debts and/or allow more time.
Chapter 7 (Liquidation) completely settles personal debts. Mortgages are not included without a complete foreclosure process
Chapter 13 (Wage Earner Plan) Payments are made toward a plan to pay off debts or portions of debts in 3 - 5 years.
Sale - Homeowner may sell the home without lender approval for a conventional home sale. If the property has equity the sale will close, the lender paid off, and the foreclosure is gone.
Short Sale -Also known as a pre-foreclosure sale can be negotiated with your lender by your real estate professional, or a third party company, if what is owed is more than the property's market value. Go to www.shortsalesinpanamacity.com for more information.
If you have any questions or would like to have any of these items explained to you in more detail, please contact us, we would be glad to help in any way we can.
visit our website at www.panamacityhomesource.com
If you have been waiting for the perfect time to buy a home in Panama City, Florida, NOW IS THE TIME. Home prices have made an adjustment, interest rates are AWESOME and sellers are motivated. You can buy a new home for what you are probably paying in rent right now. Call me at 850-890-0132 and let me show you how. We have homes to fit ALL prices ranges and lifestyles. Go to www.knowpayneknowgain.com to view homes in beautiful Panama City and the beaches.
Interest rates as of 1/14/08
FHA 5.5%
VA 5.5%
USDA 5.5%
30 yr conventional 5.875%
15 yr conventional 5.375%
Call us today at 850-890-0132
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Jeff Payne is the team leader for the Payne Group at Keller Williams Success Realty. Our team has a dedicated staff of Real Estate professionals to ensure a 10++ customer service satisfaction.
The Payne Group at Keller Williams Success Realty consists of Jeff Payne, Melonie Payne, Brook Simmons, and Lynn Boyd. Our agents stay in tune with the Panama City, Florida real estate market to make sure that our buyers and sellers are well informed and educated. Whether you are buying or selling, we have an agent to fit your needs. We pride ourselves in our constant communication with our valued customers throughout the transaction as well as after the closing of escrow. Having a full time administrator and marketing manager on our team allows us to concentrate on our customers and ensures thouroughness throughout the entire transaction.
The Payne Group wants to be YOUR PANAMA CITY Realtor! As your trusted, professional real estate partner, we will help you find the best home in your area within your price range. Together, we will sell your home for as much as the market will bear, as quickly as possible!
Buying and selling a home is one of the biggest events in your life. Please let us help. Visit http://www.panamacityhomesource.com/
We specialize in working with our nations military relocations to Tyndall Air Force Base and Naval Coastal Systems in Panama City.
ATTENTION FSBO's, you can put your home on my site free of charge.... Go to www.panamacityfsbosource.com and follow the on screen instructions.
Want to know what your property is worth in today's market? www.panamacityhomevalues.com
Looking for a home? Our state-of-the-art IDX service makes all homes from all companies and agents in the Multiple Listing Service available to view with pictures and tours! Updated daily right here, right now! Search everything the web has to offer at http://www.panamacityhomesource.com
Need help with your looming foreclosure, check out www.shortsalesinpanamacity.com
Need local real estate information? We've summarized the real estate, business, and community highlights of Panama City, Lynn Haven, Panama City Beach , Tyndall Airforce Base and the surrounding communities in Bay, Washington,Gulf and Walton Counties! Need personal help and expert advice? A web site cannot take the place of an expert Realtor. Just click on any of the many links to contact usfor one-on-one expert help and advice. That's our job.
Call us for you new construction needs, we have lots ready in Cherokee Heights, and Deerfield Estates in Panama or we can build on your lot. Call today for details at 850-890-0132
Contact us with confidence! We guarantee your privacy will be respected. The services on this site are offered for free and without obligation because we want to be YOUR Realtor!
Give us a call today at 850-890-0132 or check out our informative website at http://www.panamacityhomesource.com/
KNOW PAYNE KNOW GAIN
We specialize in first time home buyers, VA purchasers, new construction as well as condos and income producing properties.
Our website is full of information at www.knowpayneknowgain.com
If you are interested in a new home, condo or investment property, look no further. Our builders have been building homes in Bay County for over 25 years and take great pride in each and every home that they builds.
First time home buyers will be guided through the entire process by our experience buyer specialists. Buying a home for the first time does not have to be a stressful or frightening experience. Our team will take the time to analyze your wants and needs to find your next home is a relaxing and stress free environment.
PCS to Tyndall Airforce Base? Call us, we know VA loans and would love to help you with your relocation.
Start your home search at www.knowpayneknowgain.com
Keller Williams Realty Philosophy
Our Mission - To build careers worth having, businesses worth owning and lives worth living.
Our Vision - To be the Company of choice for a new generation of real estate agents and owners.
Our Values - God, Family, then Business
Our Belief System - Our beliefs are an essential part of who we are and how we conduct business. The Keller Williams® Belief System is the foundation for providing the ultimate in service for our clients.
WI4C2TS
Our Belief System In Action...
Win-Win . . .
Or no deal
Integrity . . .
Do the right thing
Commitment . . .
In all things
Communication . . .
Seek first to understand
Creativity . . .
Ideas before results
Customers . . .
Always come first
Teamwork . . .
Together Everyone Achieves More
Trust . . .
Starts with honesty
Success . . .
Results through people
John Watson
"Jeff Payne and all the people at Keller Williams did an excellent job of listing and marketing my home. I received a good price and it was sold fast. I was so pleased, I listed another home with them, and am currently working with Jeff to purchase a lot to build a new home."
HE MADE SURE IT HAPPENED
"My husband and I lived in the Cherokee Heights neighborhood and had received a mailing from a realtor who lived in the neighborhood, Jeff Payne. I worked for a local title company and stopped by Jeff's office to introduce myself and let him know that I lived in the same neighborhood as he did. Thus began both my professional and my husband and I's personal relationship with the Payne's."
"As a Title Agent/Escrow Officer I have only the highest of praise for Jeff. I had dealt with a number of Bay County Realtors and I can say that Jeff is tops in integrity and honesty. Jeff always knew exactly what was happening with each of his transactions. Whenever I needed information on one of his transactions he had it to me within 24 hours. These factors ensured that his clients' transactions always went smoothly. Every one of his clients that I had the privilege of working with all had the highest of praise for Jeff."
"When we found out my husband was being transferred across the country and we would have to sell our home there was no doubt as to whom we would call to be our Real Estate professional. Within 24 hours of having our home listed we had a showing. Jeff knew our situation, when we had to have our home sold by and he made sure it happened."
"Jeff took the time to find the perfect agent for us here in Idaho. He made sure he found the agent who would do right by us and find us the home we were looking for. We couldn't have been happier with the agent he helped us find. I can tell you, though, Jeff didn't do all of these things because he knows us, Jeff goes above and beyond for all of his clients. I have witnessed it firsthand."
"If you are looking for an agent who will treat you with respect, be honest with you, and help you through each step of the way, look no further than Jeff Payne and The Payne Group. You can do no better than Jeff, Melonie and The Payne Group."
Kristin Carpenter
HELPING PEOPLE
"Being out of state trying to locate a home here took time - But! You managed to find one that we could live with after only our second meeting. Thank you."
"I would be happy to refer anyone needing your company. You said you like to help people. It shows."
Joy Raponi
"Jeff is a good guy who helped out with everything, explained stuff I had no clue about. To help me out, made sure I had a home when the time was running out. A pretty damn good realtor that will do what it takes to get the job done to get me in my first house."
Kyle Bedford
MY OWN PERSONAL REAL ESTATE AGENT
"It was great to have the feeling when I was looking for my next home, that I had my own personal real estate agent."
Doug Reed
NO ONE BETTER FOR THE JOB
"You won't find a better realtor than Jeff Payne, period!"
Daniel Hood
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