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WELCOME! We specialize in Portofino and waterfront properties in Pensacola, Pensacola Beach
and the Gulf Breeze, Florida Real Estate market. Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Pensacola, Pensacola Beach and Gulf Breeze real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top REALTOR®. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR REALTORS®. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As top Pensacola, Pensacola Beach and Gulf Breeze REALTORS®, we have the experience and track record you are looking for. Please let us help. - The Darlene Hammond Team   
Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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What building has been named the 21st Century Townhouse project?
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| A |
4 townhouse in Bowie, MD made of giant foam/board panels, concrete/styrofoam block frames, steel, and aerated concrete. |
 See More Real Estate Trivia > |
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The Darlene Hammond Team
Re/Max America's Top Realty
2777 Gulf Breeze Parkway
Gulf Breeze, FL. 32563
850-572-2615
850-934-4449
Fax: 850-934-4409
Email: darlenehammond@remax.net
The Darlene Hammond Team's commitment to the Pensacola, Gulf
Breeze, and Pensacola Beach areas goes way beyond just
buying and selling real estate, we are about building lasting and meaningful
relationships with the our customers, neighbors, friends, and associates in
the communities of Northwest Florida.    
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