Another great property in Sandestin. This is in the Crystal Lake community, This community has a wonderful southern charm with the picket fences and trees. I really love this part of Sandestin. 

​Sandestin Golf & Beach Resort features four distinct resort areas: Beachside, Village, Bayside (East) and Bayside (West). With a variety of residential options including condominiums, villas, townhomes, hotel suites and spacious homes, one of which will certainly meet your family’s needs.

After you have found your perfect home in Sandestin, it is time to enjoy the fun-filled lifestyle. Golf carts are the preferred method of transportation, so hop on and head to one of the two main town centers, The Village of Baytowne Wharf or Grand Boulevard, The Village features restaurants, shops, children’s activities and nightlife hotspots while the newest attraction at Grand Boulevard is Boulevard 10.

CLICK HERE TO FIND YOUR DREAM HOME 

Looking around town you will notice the lights and decorations going up-YEAH !!!  
Enjoy your Florida family vacation home with seasonal events like live Christmas music shows and holiday light displays. Celebrate the Christmas season in one of our beautiful beachside communities. Do your holiday shopping at one of our boutique stores.
​                         You will love the holidays here!!! 

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Luxury Penthouse ON THE BEACH invites you to INDULGE in relaxing, endless Gulf views.
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​Extra attention to details in fantastic Remodeled Kitchen includes Induction Stove, touch faucet, stainless steel appliances, glass tile back splash, Carrera Quartz counters. This lovely condo has Cathedral ceilings, crown molding, Corian counters in bathrooms, solid wood doors, living room skylights, 4''plantation shutters, full size utility room and more~ Every bedroom has its own bathroom. A spiral staircase takes you to 4th bedroom which includes a surprising amount of ''walk-in'' attic storage! Exterior storage is included.

​Experience as primary residence, second home or vacation rental. ~This coastal beauty is sold furnished - RENTAL READY opportunity [with some exclusions-request list w/appointment.]Only 38 units in this gated condominium, Crystal Dunes is conveniently located in the Crystal Beach area of Destin and close to Henderson State Park. The activities nearby are endless including boating, water sports, fishing, golf courses, tennis, movie theaters, shopping, and spas including The Henderson. Destin and Miramar Beach offer choices of excellent restaurants with great chefs to cater to everyone's taste. There's also plenty of miles along Scenic Hwy 98 to walk, jog or bike ride. Call today for your private showing. ~  850-650-6985

Fairways is located in Sandestin Golf & Beach Resort with access to three golf courses, 15 tennis courts, two spas, The Village at Baytowne Wharf with playground, restaurants and stores. Enjoy access to the Marina for water activities, Grand Boulevard for shopping, retail and movies. With miles of bike trails and access to indulge in the gorgeous gulf beaches. Conveniences near the resort include Destin to the west and Santa Rosa Beach with Scenic Hwy 30A to the east.

FULLY FURNISHED- TurnKey Ready! This cozy cottage is beautifully decorated, very well taken care of and has never been rented; it can sleep 8-9 people. Relax indoors with two entertaining areas to accommodate family and friends. Enjoy grilling on the back deck with water views or enjoy fishing from your own back yard. Outside Storage keeps your beach toys and your fishing gear neatly stored and ready. Seller has maintained and cared for details in this happy retreat such as reupholstered sleeper-sofa/ updated bathroom cabinets and sink fixtures/ plantation shutters/ replaced HVAC (still under warranty)/ stainless steel appliances/ bamboo floors throughout/ Nest system/ replaced interior doors/ fixtures and fans throughout/ golf cart electrical hook-up. ​

Link Here 

Call me (Gena Bolton) today to see this wonderful cottage in the Fairways of Sandestin. 
850-650-6985

This is always a fun event and supports a great cause. 
Eggs on the Beach EggFest at Seascape Resort
      4th Annual
     Eggs on the Beach
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          Sept. 30, 2017
    10:00 a.m. - 1:30 p.m.
Eggs on the Beach EggFest is one of the "official" Big Green Egg Festivals held throughout the U.S. Cook teams will demonstrate the delicious results of cooking on the Big Green Egg by smoking and grilling their favorite dishes while tasters vote for their favorites. Presented by Bay Breeze Patio, Eggs on the Beach EggFest will be held at Seascape Resort in Miramar Beach, and will feature more than 30 cook teams, serving delicious samples. The event also includes live music, celebrity judges, Big Green Egg accessories, kids zone, chances to win prizes and cash bar. Proceeds benefit the Fisher House of the Emerald Coast and Food for Thought.

Buy Tickets here 

This Ft. Walton Beach hidden gem is a boaters dream . I believe this complex was a  great find of the couple that purchased it, this complex has boat slips and right on 98. Are you looking for something a little different? or do you want list your gem? give me a call. 

Follow me to South Walton - Coastal Living 

​Feast your eyes on morning SUNRISES over the Emerald Coast in this TOP floor luxury condo. Experience the Gulf's white sand and clear water in B403 by simply walking across the street. Perfect for dining in, as there is a full kitchen equipped with granite countertops, stainless steel appliances, oversized pantry, and stack washer/dryer in hallway. A large high-top table by the window provides you with breathtaking views. Every room has a 58" Smart TV and is beautifully decorated with a beach theme including hardwood floors. Community amenities include a pool, hot tub, children's splash pad and a grilling area. As a rental it can occupy 10 comfortably, but is also a great place to call home. It is conveniently located near restaurants, shopping, golf and movie theaters.
                           CLICK HERE FOR TOUR 

Click Here to Listing 

See all available units in Alerio  

Fabulous townhome in Cassine Village. If you are wanting to be in the middle of the action in Seagrove and only minutes to walk to the beach, let me show you Cassine Village. 

​This stunning and graceful new home will capture you by its quality construction and impeccable design. The alluring sugar white beach is only half a block away from this peaceful Blue Mountain Beach community. This 5 bedroom, 3.5 bath home has gulf views, a salt-water pool and a great open floor plan. Beautiful re-sawed oak floors grace the floors and the ceilings are V-groove wood. The one-of-a-kind front door is made of spanish cedar. There is a formal dining room and an enormous gourmet kitchen. The kitchen cabinets are wainscoting and the pantry is one of the largest you will ever see. Additional features of the kitchen include top of the line, stainless steel appliances, a large kitchen island made of white ice granite, a wine refrigerator and icemaker.
A mud room leads you to the courtyard and pool. The second floor has the master suite and 2 additional bedrooms. The master bedroom has a private balcony and the master bath has a separate shower with twin showerheads, a double vanity and a lava limestone garden tub. The 3rd floor includes a bedroom, bunk room and 1 full bath. This brand new home is strategically placed in Blue Mountain Beach which is characterized by both lavish gulf front private residences, and simple Old-Florida cottages. It is one of 30A's most sought after communities; a paradise set on the highest elevation in the Gulf of Mexico. Monikered from the lush lupines that grow wild along the shores of one of 30A's coveted coastal dune lakes, Blue Mountain is truly the purveyor of the 30A lifestyle. This home is being sold furnished and rental ready.

                                                  VIRTUAL TOUR 

This is a GREAT time to buy a second home here on the Emerald Coast.  Many here believe we will see the continuation of home values in the next coming year. Because of this belief it has brought in to the area more people wanting to purchase this year.  
The stock market is up and many are enjoying an increase in their portfolios as well as their 401k.  We are seeing more and more buyers now wanting to keep their money in the market and finance the second home purchase. Financing a second home for lenders is what they do and most of the time the interest rates are competitive to a primary home purchase with the required down payment requested by the lender. 

However in the past 10 days and happen again yesterday I have been asked about the availability of 100% financing of a second home three different times. They share with me they have either heard or they tell me they know someone who has done this type of mortgage recently. While I know a little bit about financing and how it relates to a sale of property, I respond to them - you should always seek out your options with a proficient lending expert who can provide assistance with structuring your mortgage for the purchase.  

But I did make some calls yesterday to local mortgage lenders and banks to see if any new loan products have come to the area allowing for a one loan 100% second home purchase. (answer was no) however they all shared with me about the three ways of doing this that we have seen buyers employ in the past. 

1. Use the equity line of credit on another property you already own as the down payment – this is the most common method we see used to purchase second homes when a buyer is looking to have minimum to no money down at the time of purchase.  Equity in a current home is considered an asset you already own, normally all that is needed from you by the lender is to provide terms and conditions of the loan so when qualifying  they can add this to the debt ratio.  

2.  The Pledged Asset Mortgage (mostly offered by your brokerage house) - this feature allows you to increase the size of the loan on your home up to 100% of the value of the real estate, by pledging the additional assets in the form of a securities account in lieu of the normal down payment.  The Home Loan will be secured by both the home and the Pledge Account. A Pledged Asset Mortgage involves pledging securities as collateral for a home loan in lieu of making a cash down payment. By using the Pledged Asset Mortgage feature, you are subjecting the investment in a home to the fluctuations of the securities market.  The Pledge Amount varies based upon your effective Loan-to-Value determined during the application process of a first mortgage loan. Normally the value of the securities held in the Pledge Account must be maintained at the Pledge Amount.  If the value of the securities in the Pledge Account falls below the agreed-upon Floor Amount, the owner of the Pledge Account must deposit into the Pledge Account acceptable securities or other collateral to stay in compliance with the terms of the home loan. Many of these type loans allow you to continue to trade the securities in the Pledge Account.  

 3. Cross-collateralisation Mortgage 
Cross-collateralisation occurs when more than one property is used to secure a loan. For example, a person owns Property A and wants to purchase Property B without using any of their own funds. The bank can use both properties as collateral for the new loan.  Cross-collateralisation may often seem to be an appealing option to a buyer, but I have been told it puts banks in a stronger position as it provides them with greater control over the properties. One lender said it has a benefit initially, in that he or she has not had to use their own cash to acquire the second property; however this strategy does have the potential to negatively impact future opportunities.  
1. LOSS OF FLEXIBILITY
If a property is cross-collateralised it can limit severely the way in which sale proceeds may be used if sold. 
2. INCREASED COMPLEXITY 
It is often the case that every property in a cross-collateralised portfolio needs to be re-valued whenever one property is released. 
3. LIMITED PRODUCT CHOICE
Regardless of one’s asset position, many banks will want to control the type of loan that they will make available to a buyer when his or her aggregate debt with them is high. The lender said if can often be a better strategy for a buyer to use multiple lenders and therefore gain access to the most suitable loan products.
4. CHANGING LENDERS CAN BE DIFFICULT AND COSTLY  
When a loan(s) is secured by multiple properties, the establishment fees are usually higher as they include charges for ‘additional’ security. (both properties) This cost can be compounded when an owner wishes to move those cross-collateralised properties from one lender to another.
5. EQUITY ACCESS
If the equity in the property increased value over time is inaccessible.

Hope this was helpful! If your looking to purchase a second home call me, I would be happy to help you with finding your dream home.