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Welcome > Agent Info > Testimonials ...

THANK YOU LYNN FOR YOUR PROFESSIONALISM

"Lynn was always very professional, she returned calls promptly and provided all necessary paperwork via email and even showed us how to look up the Bay County Property tax records. This was very helpful, as we purchased a foreclosure vacant lot and wanted to be sure all property taxes were paid and current."

Mitch & Kathy Hirth

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First Time Buyers >Insuring Your Home

Many home buyers are concerned about whether they have an insurable interest in the property before the actual closing. The answer is an unqualified "yes". Although the buyer is not yet the recorded owner of the property, he or she has an insurable interest in the property as soon as the agreement of sale is executed by both the buyer and seller.

Should you get hazard insurance before the closing? It depends. Buyers do not usually insure a property until the title passes to them from the seller. However, it's wise to know what the agreement between you and the seller stipulates with regard to insurance.

Most agreements state that the property will be insured for a specific amount. This is very important to both parties. From the buyer's point of view, it is also critical that an adequate sum or full replacement value be stipulated. Watch out for agreements which read "as now insured". This is an all-too-common practice which usually indicates that the seller does not to want to increase inadequate insurance coverage.

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Q	What Pasadena, California house was the movie home of the eccentric "Doc" Brown in the 1989 film, "Back to the Future"?
A	The famous Gamble House, a landmark of Craftsman architecture, is now open to the public for tours.
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The Payne Group, REALTOR®, real estate agent and broker for Panama City, Panama City Beach and Lynn Haven, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

The Payne Group
Keller Williams Success Realty
2110 W 23rd St.
Panama City, FL 32404
850-890-0132
Fax: 888-753-0010
jeff.payne@kw.com
The Payne Group takes the time to discover your wants and needs to ensure a seemless transaction in buying or selling real estate.

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