Panama City Beach and Panama City real estate and homes for sale in Florida, condominiums, waterfront properties - Scott Ingraham Real Estate Group, REALTORS® Scott Ingraham Real Estate Group REALTORS(r) for Panama City Beach and Panama City, Florida real estate, condominiums, waterfront properties - NUMBER1EXPERTS™ Scott Ingraham Real Estate Group NUMBER1EXPERTS(tm) for Panama City Beach and Panama City, Florida real estate, condominiums, waterfront properties
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Scott Ingraham Real Estate Group, REALTORŪ, real estate agents and broker for Panama City Beach and Panama City Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
Short Sale and Foreclosure Resource (SFR) certified! Call us: 850-249-7355 or Toll Free 888-836-8551

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Mortgage Prequalification: Panama City Beach and Panama City Florida home buying, real estate listings, and homes for sale in Bay County, FL
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Panama City Beach and Panama City REALTORSŪ to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Making An Offer >Negotiations Part 2

If you are the buyer in a home sale transaction, you should be prepared to submit an offer to the seller. An offer is not simply the price -- there are more components involved.

The real estate agent will act as the conveyor of information. There are a few things to look out for in such negotiations: 1) include a finance contingency, even if you have loan pre-approval, 2) insist on an engineer's, termite and radon inspection contingencies, 3) itemize the personal property you want included, such as chandeliers or drapes, and 4) submit the closing date you prefer.

Buyers should be prepared to make their best offer first, but if that offer is not acceptable to the seller, they should expect to go through a round of counter-offers.

See All Tips In The "Making An Offer" Category >
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Real Estate Trivia
Q 
What is considered one of the few remaining tax shelters in the 1990s?

A 
Homeownership--property taxes on a residence or vacation home are deductible up to $1 million.
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Coastal Community Mortgage specializes in finding the right loan for each borrower.
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Scott Ingraham Real Estate Group, REALTORŪ, real estate agents and broker for Panama City Beach and Panama City Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Scott Ingraham
Real Estate Group

9722 D Front Beach Road
Panama City Beach, FL 32407
850-249-7355
Toll Free: 888-836-8551
Fax: 850-249-2427
Email: Scott@ScottIngraham.com

With over 27 years of local business and Real Estate experience, the best is what we give you! Everything you need to know about buying or selling primary homes, vacation homes, residential lots, condominiums and waterfront properties can be found here on my Web site!

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