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For Home Buyers:

  • Why Buyers Choose The Payne Group - Why homebuyers looking for a real estate agent in the Panama City, Panama City Beach and Lynn Haven area choose The Payne Group.

  • Home Buying is Made Easy - How Home Buying is Made Easy and How to Buy A Home in 2009 can be found here...

  • EPA Lead Pamphlet - Want more information? Get information here...

  • Latest Listings - Get The Payne Group's latest Panama City, Panama City Beach and Lynn Haven listings of homes for sale first!

  • Find Your Perfect Home - The Payne Group will search for your ideal home and email you the newest Panama City, Panama City Beach and Lynn Haven MLS listings of properties in County FL.

  • First Time Homebuyers - Are you a first time homebuyer in Panama City, Panama City Beach and Lynn Haven, FL? Choose a top real estate agent. The Payne Group can guide your home buying search.

  • Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Panama City, Panama City Beach and Lynn Haven house or other real estate or property.

  • Go to Main Sitemap - Main sitemap sections include Find Panama City, Panama City Beach and Lynn Haven Homes, For Home Buyers, For Home Sellers, Panama City, Panama City Beach and Lynn Haven Information, Real Estate Resources, and About The Payne Group.

 

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Real Estate Tips
First Time Buyers >Credit Card Common Sense

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Real Estate Trivia
Q 
Where is the world's largest industrial building located?

A 
The single largest industrial structure is the container freight station of Asia Terminals Ltd in Hong Kong. It is 359 feet high, with 15 levels.
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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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