 SCOTT INGRAHAM, REALTOR® Scott hails from the state where people proudly wear the moniker “cheesehead” and is the birthplace of the snowmobile and ice cream sundae: Wisconsin. He relocated here 33 years ago for the worlds most beautiful sugar white beaches and stayed to enjoy his love for diving and boating while leaving the Northern snow behind. His background includes owning several successful businesses and the promotion of international group travel. Scott is the lead agent of six licensed Florida REALTORS® with additional support staff that handles the presentation, marketing and closing of your property. There is no additional charge to our clients for this enhanced representation. Many times we save our clients thousands of dollars because of our team approach.
 DIANE INGRAHAM, BROKER, REALTOR® Originally from the same state as the Wisconsin Badgers, Diane left the Badgers in the snow for the Florida sand. Scott and Diane have been married for over 35 years and both share their love for boating, an appreciation for the “World’s Most Beautiful Beaches” and taking care of the “American Success Story:Ben”. Diane worked for one of the largest restaurant franchises in the world for 25 years before joining Scott in the real estate industry. Her background encompasses years of extensive experience in general management, market analysis, business and personal development with a focus on client satisfaction. As a well-rounded professional, Diane understands that superior client service and dedication are smart business.
 MARIO GOBEL, REALTOR® Mario relocated to the Panama City area from south Florida where he specialized in high-rise condominium, second and vacation home sales. If you are more comfortable speaking Spanish, Mario is one of a handful of bilingual agents in Bay County. As a former United States Marine, he is aggressive, outgoing and always willing to go that extra mile for you! He is our resident expert for the commercial and investment markets and our Bay Point specialist where he resides with his wife and two children.
 ROGER RIETSEMA, REALTOR® Roger relocated from southern Illinois with over 20 years in the sales and management field. He is our Senior Listing Agent who knows how important a seller’s role is in a transaction and understands their differing needs. A Summerwood homeowner where he resides with his two children and is an active baseball coach.
 PATTY TAYLOR, REALTOR® As an Air Force dependent, Patty grew up on bases around the world from Australia, Hawaii and Europe. Her creative background includes being awarded a voice and theatre scholarship, to starring in theatre performances of Jim Dale’s “Barnum” and “Fiddler On The Roof”. By using her experience as a mother of two with considerable knowledge of the school and its districts, she is able to indentify the area of Bay County that best suits your lifestyle. She has an extensive background in sales and marketing and is an active member of The Chamber of Commerce and the Junior Service League.
 KIMBERLY KORNAZEWICH, REALTOR® Kimberly relocated to Panama City from Lake Tahoe, California. With over 19 years of a successful career selling Real Estate, Kimberly brings her knowledge and enthusiasm to the beautiful area of Northwest Florida. Kimberly loves spending time with her 3 dogs and enjoys scuba diving, playing tennis, boating and hanging out at the beach!
 LINDA GRAVES, CLOSING COORDINATOR Linda tends to all the details of your contract from acceptance to closing so nothing slips through the cracks with our “No Stress” closing philosophy! She maintains constant communication with lenders, inspectors, title companies, appraisers, etc…assuring you a smooth transaction all the way to the closing table. She comes from the birthplace of the famous “Kentucky Derby”, but has been a Florida resident for the past two decades. Linda likes to spend her free time with her grandchildren at the beach or lounging at the pool. ANDREA HESS, LISTING/MARKETING COORDINATOR Andrea earned her Bachelors of Science in Broadcast Journalism and Studio Art at Troy University. She has over 12 years experience in the radio and television industry. She handles all the details of your listing until a contract is received. Andrea writes descriptive copy that evokes interaction and pairs your listing with custom photography and unique Visual Tour presentations. She has won several broadcasting awards with The Associated Press, is an alumni of the National Broadcasters Association, a Chi Omega Sorority alumni and a Master Scuba Diver. BEN INGRAHAM, CEO Ben is truly an American success story. Originating from Columbia, South America, he has climbed his way to the upper echelons to become CEO at age 33 of one of the top producing Emerald Coast real estate companies. His first shot at management began at Exotic Aquatics Pet Shop where the Ingraham’s first let Ben take in the reins of the family venture. Although there is an air of mystery of his days before the Ingraham’s, he has revealed after a few bananas of his cavorting days with Willie Nelson in Nevada and Texas. You can see more of Ben on his feature spots on television and around town.   Please Sign Up For The Latest Listings and the Latest Real Estate News
Financing Your Home >Early Loan Approval
Many lenders help prospective buyers get pre-approved for a mortgage loan before the buyers begin a serious house-hunting effort. If you are in this position, give the loan officer all of the information about your assets, income, and debts so they can tell you how much you will be able to borrow under the available loan options. The loan officer will do a credit check and work with the lender to straighten out any problems with your credit rating.
Pre-approval from a lender can make you more attractive to the seller when you find the home you want. Multiple offers sometimes come in on a house, and you may find yourself competing with other buyers. In that case, it is helpful if you have included a letter from the lender with your offer stating that you have an approved loan and are, indeed, qualified to buy. This will also save you time by eliminating from consideration any homes that you would not be able to afford.
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What is the largest city square in the world?
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Located in Beijing, China, Tianamen Square, called the "Gate of Heavenly Peace", covers 98 acres. |
 See More Real Estate Trivia > |
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