Showing posts with label Buying a home in Panama City. Show all posts
Showing posts with label Buying a home in Panama City. Show all posts

Sunday, August 10, 2014

Looking for the Right House, in the Right School Zone

If you have children and you’re considering buying a new home you have probably wondered about the difference in schools from district to district. Not only for educational purpose but also for the type of environment your kid will be around. It’s more important now, than ever, to know your kids are being taught and looked after by someone you can trust.

So before searching for that perfect home you may want to do some research. Bay County has 18 elementary schools, 6 middle schools, 5 high schools, 2 multi-grade schools, 3 special purpose schools, 1 adult/technical school, 6 charter schools and one virtual school. However, it can be much easier than you think to research them. Visit www.SoldinFLA.com and click on “About The Area”, then click “Schools”. Here you can get the FCAT Scores for each school, Find out what score the school was given from A-F, Bus routes, Scheduling, Lunch menu, Dress codes plus much more.

Don’t be afraid to visit local schools if your schedule allows. Tour the facility, meet a few of the teachers your kids will be with, and meet the principal. Ask questions and take notes. If you get any negative vibes you’ll know to stay away from that school distract or at least look into it a little more. If your younger ones intend to play sports or any other type of after school activities find out what all the school offers.

If time won’t permit to visit the schools, pick up the phone or get on the computer. With social media what it is today it can be fairly easy to get comments and feedback, in this case, on how well a school is.

While finding the right house is very important, so is the education of your children. So be sure you’re looking for the right house in the right school zone.

If you're interested in real estate in Panama City or Panama City Beach, FL call Lawrence & Associates Keller Williams for a free buyer consultation or seller consultation at 850-814-8588.

You can also visit us at our websites.


About Lawrence & Associates - Keller Williams
When you hire us you get a team of professionals. We are committed to doing one thing, helping you! Whether that's selling your home quick and stress free or finding you the perfect home, we're going to make it happen.
Nathan Lawrence, team owner, brings a wealth of knowledge to his clients with close to 10 years of experience. Specializing in New Construction and Residential Investments Nathan is very excited about the growth coming to this area. “I believe Bay County is on the brink of a tremendous amount of growth. I look forward to what the future holds for the world’s most beautiful beaches”. As an agent who's an expert in this local area, I bring a wealth of knowledge and expertise about buying and selling real estate here.
Sell a Home:
When it's time to move, you need someone who will advertise your home, not just put a sign in the yard, put it in the computer and cross their fingers. At Lawrence & Associates we have a step by step marketing plan we'd love to share with you. Find out why we are out selling our competition and how we are making you more money along the way. We have a team of experts for every step of the process and the difference is evident. Ask us about our selling program, 88 DAYS TO SOLD!
Find Your Next Home
Buying a property will for most people be their single largest purchase they'll ever make. Having a knowledgeable professional who you can trust can make the process an easy, smooth, and fun experience. You need someone who knows this area inside and out! We will work with you to find the right home at the right price for you, including all the neighborhood amenities that matter - not to mention the essential criteria you have for your ideal home.


Nathan Lawrence 
Lawrence & Associates Keller Williams
850-814-8588

Thursday, July 3, 2014

Today's Interest Rates. What affects yours?

So you're considering buying a new home. For most buyers the first thing they want to do is jump on the internet and start the house hunting. Find that perfect neighborhood and dream home with the mac daddy kitchen. However, the first thing they should do is.... find a bank they like and get pre-approved. As a buyer you'll want to know what price range you should be looking in and what your payments will be. You may decide you'd rather stay a little under what your qualified for as well.
We all know what an interest rate is but how many of us know what affects the rate we get from a bank. Some of the following we can control and other are out of our hands.

The Economy: 
Economic news, good or bad, will affect mortgage bond prices. Home loan rates are directly influenced by what happens here. 

Your Financial Situation:
Income - this will help determine what you're able to afford monthly on your new mortgage. It helps if you've been with your employer for 2 years. If it hasn't been 2 years but you were in the same type of field before that will help. Every bank has different guidelines so be sure to have a couple in mind to check with and compare.

Debt - You may hear a lender mention "debt to income ratio".  A debt-to-income ratio is one way lenders measure your ability to manage the payments you make every month to repay the money you have borrowed. 
To calculate your debt-to-income ratio, you add up all your monthly debt payments and divide them by your gross monthly income. Your gross monthly income is generally the amount of money you have earned before your taxes and other deductions are taken out.  For example, if you pay $1500 a month for your mortgage and another $100 a month for an auto loan and $400 a month for the rest of your debts, your monthly debt payments are $2000. ($1500 + $100 + $400 = $2,000.) If your gross monthly income is $6000, then your debt-to-income ratio is 33 percent. ($2000 is 33% of $6000.)

Credit Score - One of the biggest determining factors or your mortgage interest rate will be your credit score. The higher your score, the lower you interest rate. Over a 30 year mortgage the slightest point up or down on your interest rate can add up to a significant amount of money.

Type of Loan:
The actual type of loan will have a factor on your interest rate. Conventional, FHA, VA, USDA, and in house loans will all have a different rate, but typically are close.

Rates will change daily. Sometimes just a little and sometimes more. Click here to view mortgage rates.  


If you're interested in real estate in Panama City or Panama City Beach, FL call Lawrence & Associates - Keller Williams for a free 
buyer consultation or seller consultation at 850-814-8588.

You can also visit us at our websites.


About Lawrence & Associates - Keller Williams
When you hire us you get a team of professionals. We are committed to doing one thing, helping you! Whether that's selling your home quick and stress free or finding you the perfect home, we're going to make it happen.
Nathan Lawrence, team owner, brings a wealth of knowledge to his clients with close to 10 years of experience. Specializing in New Construction and Residential Investments Nathan is very excited about the growth coming to this area. “I believe Bay County is on the brink of a tremendous amount of growth. I look forward to what the future holds for the world’s most beautiful beaches”. As an agent who's an expert in this local area, I bring a wealth of knowledge and expertise about buying and selling real estate here.
Sell a Home:
When it's time to move, you need someone who will advertise your home, not just put a sign in the yard, put it in the computer and cross their fingers. At Lawrence & Associates we have a step by step marketing plan we'd love to share with you. Find out why we are out selling our competition and how we are making you more money along the way. We have a team of experts for every step of the process and the difference is evident. Ask us about our selling program, 88 DAYS TO SOLD!
Find Your Next Home:
Buying a property will for most people be their single largest purchase they'll ever make. Having a knowledgeable professional who you can trust can make the process an easy, smooth, and fun experience. You need someone who knows this area inside and out! We will work with you to find the right home at the right price for you, including all the neighborhood amenities that matter - not to mention the essential criteria you have for your ideal home.

Nathan Lawrence
Lawrence & Associates - Keller Williams
850-814-8588