Your Sandestin, Destin and South Walton-30A Real Estate Resource.

EXCITING LOCAL EVENTS

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Seascape Resort Condo

2/23/2020

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Wonderful newly remodeled, my compliments to sellers for creating an outstanding unit. It's a joy working with you both.

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Destin-Sandestin-30A Condos for sale

2/20/2020

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Are you looking for view that only a condo can provide?
Click links below or let me send you a list that fits your needs.

If you are ready to sell please call me and let me show you what we can do!

Sandestin Real Estate and Miramar Beach Real Estate
                                                Condo's & Town Homes

Destin Real Estate
  Condo's & Town Homes

30A Real Estate and South Walton County Real Estate
                                               Condo's & Town Homes

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Seascape Resort 146 Sandpiper Bay

2/17/2020

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Seascape Resort - Miramar Beach Fl;
Come see this this newly remodeled second-floor condo 2BR/2BA $289,900

CLICK HERE TO SEE MORE PICTURES

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30A Wine Festival

2/15/2020

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30A Wine Festival a GREAT event for a GREATER cause. The five-days of fun will benefit the Children’s Volunteer Health Network. Next time you go to the dentist, take a minute or two and think how many children in our community can't afford the simplest of treatment. Together we can make a difference. If you are unable to attend you can make a donation below.

Click Image to Donate

TICKETS

Children’s Volunteer Health Network, Inc. is a faith-based organization, established in 2005 in direct response to Walton and Okaloosa County’s large population of low income families who are unable to access high quality health services due to the unavailability (or inadequacy) of insurance. CVHN provides children in need the opportunity to flourish by facilitating health and wellness services via our Mobile Dental Clinic and partnerships with local providers. CVHN delivers access to free dental and vision care services to over 1,000 children enrolled in school in Walton and Okaloosa Counties who are on the free or reduced lunch programs.

For more information, call 850.622.3200 or visit cvhnkids.org.

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The Allure of a Second Home

2/13/2020

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When it comes to real estate, their similarities remain strong. In this report we will answer the following questions specifically about their behavior in the hot, high-end second home market:
Click for report

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Magnolia Harbor Navarre Florida

2/11/2020

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Magnolia Harbor Navarre Florida

Luxury Custom-built Mediterranean style Home situated on Double Lot. Only 2 blocks to Community Boardwalk access to Santa Rosa Sound & approx 4.7 miles to the Beach.  This Gorgeous Home situated in a quiet neighborhood offers features galore, ASK agent for FEATURES SHEET to see the MANY reasons to make this your home! For example: 14 ft. exquisite coffered, dropped & raised trey ceilings w/faux finish & decorative crown moldings, in-wall sound & security sys/cameras, Gourmet kitchen with Custom Cabinets, granite counter-tops, SS appliances, island, & walk-in pantry. Master Bdrm has large Walk-in Closet w/built-ins, bidet, jetted tub, Oversized shower. Picturesque large screened lanai has a wet bar, in-ground gunite heated saltwater pool w/waterfall & tropical landscape

Virtual Tour

CLICK HERE FOR MORE DETAILS

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Valentine Tour of Homes

2/8/2020

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Click here to see more

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Local Area Directory

2/1/2020

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Florida VA Home Loan Benefit

1/23/2020

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On Jan. 1, 2020, it became easier for you to use your VA home loan benefit to purchase, refinance, or construct a home with no down payment, regardless of the cost of the home. The VA home county loan limits were eliminated as part of the Blue Water Navy Vietnam Veterans Act of 2019 for Veterans and service members with full entitlement.

Historically, VA only guaranteed home loans up to the county conforming loan limits (CLL) as determined by the Federal Housing Finance Agency. These loan limits reflect the changes in average U.S. home prices at the county level. If you chose to purchase, refinance, or construct a home above the CLL, the lender would likely require a down payment from you before they would choose to close on the loan. In counties such as San Diego, Calif., or Arlington, Va., the limit is much higher to reflect the average cost of a home. This meant that when using your VA benefit, the lender–not VA–would require you to pay up to a 25% down payment on any amount above the county limit.

As of January 1, first-time homebuyers, or homebuyers who have sold their home and have full benefit entitlement available, will no longer have to worry about loan limits or down payment requirements when purchasing, refinancing, or constructing a new home.

When purchasing another home using your VA loan Conforming loan limits will impact those who want to purchase a second (or subsequent) home using a VA home loan. For those that currently have a VA home loan and plan to keep it and purchase a new home using a VA-backed loan that is more than $144,000, the rules are different.

You must be able to afford all the loans at the time of closing.
The next home you purchase must be your primary residence.
VA may be able to back the next loan, but it will depend on your remaining entitlement and the conforming loan limit (CLL) for your county.

Your basic VA home loan entitlement starts at $36,000 and goes up to 25% of the loan amount. The amount remaining on your entitlement after purchasing your first home will impact how much of a down payment will be required for your next purchase.
If the county CLL is $500,000 and your last loan was for $500,000, then you have no entitlement remaining.

If your first loan was for $200,000 and the second is for $400,000, the CLL for your next home would need to be at least $600,000 if you want the no-down payment option, otherwise you’ll have to pay a down payment on the amount above the CLL. Note that the county that will determine your loan limit is the county in which your next home is located.

In practice we’ve come up with more examples of how this would work in practice, which can be seen here.

As each case is different, your first step should be to request your certificate of eligibility, which will show your remaining VA home loan entitlement. If you need assistance determining what this means for you, reach out to your lender or a VA loan specialist.

As with any home loan decision, you should speak with your lender(s) or a loan specialist at your VA Regional Loan Center to go over your options when purchasing your next home.

Only you can determine what is best for your personal and financial needs.
Whatever the case, speaking to a loan professional about your options and shopping around for the best situation for you is key.

Remember, the VA Home Loan Program staff are here to assist you. For more information on VA home loans go to: www.benefits.va.gov/homeloans.

Author

VAntagePoint Contributor

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December 2019 Market Snapshot

1/18/2020

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Hammock Bay - Buxtons Mill

12/27/2019

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Buxton's Mill in Hammock Bay
- by Truland Homes

Referrals are the biggest compliment that any realtor can receive. A past client and dear friends referred me to help their daughter and her husband moving here from another state - find the prefect home for their family. They are a terrific couple and it was privilege working with them. ENJOY YOUR NEW HOME!

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Magnolia Bay in Sandestin

12/27/2019

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Magnolia Bay Lane, Sandestin

It was my pleasure and a real joy assisting this couple in purchasing this beautiful home in Magnolia Bay - Sandestin.

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This is the time of year for gift giving

12/17/2019

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'Sweet Gift' Featuring Kermit, Gonzo - showing us that it is TRULY the thought and we should be grateful that someone was thinking of us. Merry Christmas

We went to a Ugly Sweater Christmas Party!
How did we do?

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Beachwood Estates - Santa Rosa Beach - New Homes!

12/4/2019

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Beachwood Estates - NEW CONSTRUCTION
(photo credit to Truland Homes)
Described as "a luxurious lifestyle framed within a quiet southern town with private direct access to the popular 30A trail."
Prices start at $350k to $450k
At these prices you will want to purchase before they are all gone!
22 lots total
$650 annual HOA Fees
4 to 5 bedrooms
1,855 sq ft to 2,394 sq ft
·         covered back porch
·         9 ft ceiling height
·         gourmet kitchen with gas stove and granite countertops
The builder is Truland Homes (presents a very good product.)
We are glad to see them come to this area.
These will likely sell quickly due to square footage and price range in Santa Rosa Beach.
Call me to schedule your showing today!!

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Happy Thanksgiving from the Beach

11/16/2019

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October 2019 Real Estate Snapshot

11/16/2019

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Thank You to all of our Veterans

11/11/2019

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Don't forget to set your clocks

11/2/2019

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Buying a Home

11/2/2019

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The Fairways Sandestin Golf and Beach Resort

10/11/2019

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The Fairways - SOLD

In my opinion this is one of the prettiest homes in the Fairways (Sandestin) with lake views. I love what I do because of wonderful couples like the owners of this home. Thank You for the opportunity to be of service for your real estate needs :o)

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Pending Cassine Village

10/2/2019

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Cassine Village is a special community because of its owners. It has been my privilege to work with this terrific owner (seller) to accomplish her goals. People like this really make my job rewarding. I would value the opportunity to help you Turn Your Dream into Your Lifestyle~

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