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All agents are NOT alike! Find out why we are top real estate experts in Waterfront and Beach Properties. Call us: 850-934-4449.
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Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate!
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"Thank you for the use of the truck"
We couldn't have done it without it!! Your continued support is deeply appreciated.
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The Darlene Hammond Team are some
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Darlene, Jon and Staff
Thanks for all the time and effort during the sale and purchase of our homes. Everyone at America's Top Realty has been helpful and friendly. We sure appreciate everything.
Anne and Rick
You have a story to tell about us. You've worked with us, and we've helped you buy or sell a home. We need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell us how we did... 
Financing Your Home >Credit Card Mania
Most people know that a checkered credit history can disqualify you for a home loan, and maxed-out credit cards can do the same thing. But what most people don't know is that merely having a large number of credit cards, even with low balances and a history of timely payments, can disqualify you for a home mortgage loan just as quickly.
According to credit experts, having a number of credit cards can be just as detrimental to the granting of further credit as a history of late payments. Lenders look at it this way: If you have ten credit cards, each with a limit of $5,000, that means you have the potential to run up $50,000 in debt virtually any time you choose. That mere possibility makes you a greater risk, from their point of view.
The moral of the story? If you are planning to apply for a home loan in the future, keep only those credit cards you actually need to use and cancel the others.
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| Q |
Where would you go if you wished to stay in the world's most expensive hotel room?
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| A |
The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night. |
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The Darlene Hammond Team
America's Top Realty, Inc.
2777 Gulf Breeze Parkway
Gulf Breeze, FL. 32563
850-572-2615
850-934-4449
Fax: 850-934-4409
Email: darlenehammond@bellsouth.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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