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        <title>Panama City Real Estate Blog</title>
        <link>http://www.jennifermackay.com/blog/panama-city-beach-homes-for-sale/</link>
        <description>Local news and information for Panama City, Panama City Beach and Bay County Florida</description>
        <item>
            <guid>http://www.jennifermackay.com/blog/fha-rules-panama-city-beach-real-estate.html</guid>
            <link>http://www.jennifermackay.com/blog/fha-rules-panama-city-beach-real-estate.html</link>
            <author>jenniferim@jennifermackay.com (Super Admin JenniferMackay.com)</author>
            <title>FHA Rules | Panama City Beach Real Estate</title>
            <description> <![CDATA[ 
Latest FHA (Federal Housing Authority) update...


Recently, the FHA (Federal Housing Administration) made an announcement: Starting April 1 FHA will no longer insure mortgages to borrowers who have an ongoing credit dispute of $1,000 or more on their file. Consideration for an FHA-backed loan, requires borrowers either:


Have to pay the remaining balance on the credit dispute or 

Enter into a payment plan, making at least three payments on it. 


Any payment plans need to be fully documented and submitted to the FHA, to be included in the debt-to-income ratio for the new mortgage. Excempt from the FHAs new rule are: 


Disputed credit accounts from more than two years ago or 

Any accounts related to reported identity theft.


According to FHA, the rule is targeted at protecting the FHAs emergency fund, which is currently below the mandated amount required by Congress. 



Welcome to our Panama City real estate blog.  Feel free to share your thoughts and insights as comments are always welcome, whether you are a consumer, journalist or another real estate professional. Our blog includes local and relevant national real estate information, Condo and Home market statistics, personal and professional insights and information about various neighborhoods, subdivisions and listings. If you would like additonal information on any of our topics, please use the contact form and I will be glad to assist you.


    




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            <pubDate>Thu, 29 Mar 2012 08:14:16 -0500</pubDate>
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            <guid>http://www.jennifermackay.com/blog/panama-city-real-estate-mortgage-market-update.html</guid>
            <link>http://www.jennifermackay.com/blog/panama-city-real-estate-mortgage-market-update.html</link>
            <author>jenniferim@jennifermackay.com (Super Admin JenniferMackay.com)</author>
            <title>Panama City Real Estate | Mortgage Market Update</title>
            <description> <![CDATA[ 
Latest Mortgage market update...




Market Update Week Ending March 23, 2012Mortgage rates remained volatile this week, mostly due to shifting expectations about future Fed action. Early in the week, mortgage rates continued last week's move higher. Comments from Fed officials helped them recover their losses later in the week, though, and they ended the week slightly lower.While the Fed does not control mortgage rates directly, it's important to remember that the Fed maintains an enormous influence. Mortgage rates are largely determined by mortgage-backed securities (MBS) prices. One primary reason why MBS have performed so poorly since last week's Fed statement is clear. To boost the economy after the financial crisis, the Fed has taken extreme actions, including the purchase of enormous quantities of MBS, called quantitative easing (QE). This extra demand from the Fed has helped push mortgage rates down to record lows. The Fed has said from the start that these are temporary measures, though, and recent economic conditions have caused reduced expectations for another round of QE. The result is that investors are less inclined to hold positions in MBS if the Fed is no longer expected to be a major buyer.On Wednesday, however, comments from Fed Chief Bernanke caused investors to question whether the shift in sentiment had gone too far. Fed officials may be more concerned about the risk of slower future economic growth than the consensus investor outlook might indicate. Many Fed officials remain open to the possibility that additional monetary stimulus may be called for, and the majority seem to prefer to be too slow to tighten monetary policy rather than too quick. Bottom line, in the near-term, mortgage rates will likely be heavily influenced, higher or lower, by changing expectations for additional Fed MBS purchases.Also Notable:&nbsp;&nbsp;&nbsp; * Jobless Claims fell to the lowest level since February 2008&nbsp;&nbsp;&nbsp; * Building Permits climbed to the highest level since October 2008&nbsp;&nbsp;&nbsp; * The NAHB Housing Market Confidence index was at the highest level since June 2007&nbsp;&nbsp;&nbsp; * The Treasury will auction $99 billion in 2-yr, 5-yr, and 7-yr securities next weekNext week, Pending Home Sales will be released on Monday. Durable Orders, an important indicator of economic growth, will come out on Wednesday. The final revisions to fourth quarter GDP will be released on Thursday. The Fed's preferred inflation measure, the Core PCE price index, will come out on Friday, along with Chicago PMI Manufacturing and Personal Income. Consumer Confidence and Consumer Sentiment will round out a busy week. In addition, there will be Treasury auctions on Tuesday, Wednesday, and Thursday.






Welcome to our Panama City real estate blog.  Feel free to share your thoughts and insights as comments are always welcome, whether you are a consumer, journalist or another real estate professional. Our blog includes local and relevant national real estate information, Condo and Home market statistics, personal and professional insights and information about various neighborhoods, subdivisions and listings. If you would like additonal information on any of our topics, please use the contact form and I will be glad to assist you.


    




Tweet
 





&nbsp;






 











 








 ]]> </description>
            <pubDate>Tue, 27 Mar 2012 09:05:19 -0500</pubDate>
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            <guid>http://www.jennifermackay.com/blog/registration-benefits.html</guid>
            <link>http://www.jennifermackay.com/blog/registration-benefits.html</link>
            <author>jenniferim@jennifermackay.com (Super Admin JenniferMackay.com)</author>
            <title>Registration Benefits</title>
            <description> <![CDATA[ 
How many time have you contacted a Realtor wanting information about the HOA Fees and/or history on a property here in Panama City Beach, Fl, only to have them take days to return your call and then tell you, &quot;You just missed it - It's under contract&quot;?When you register as a customer with jennifermackay.com, you are working with a team of dedicated Panama City Real Estate agents, Specialists and administrative personnel who are here for you seven days a week and return your calls at a time that is convenient for YOU.We value our customers, and work hard to ensure you receive ALL the information you need to make an informed decision regarding your future home or investment.So what are you waiting for?&nbsp; Register with www.JenniferMackay.com today and let us work for you to make sure all your Real Estate needs are taken care of!

Welcome to our Panama City real estate blog.  Feel free to share your thoughts and insights as comments are always welcome, whether you are a consumer, journalist or another real estate professional. Our blog includes local and relevant national real estate information, Condo and Home market statistics, personal and professional insights and information about various neighborhoods, subdivisions and listings. If you would like additonal information on any of our topics, please use the contact form and I will be glad to assist you.







 




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            <pubDate>Sun, 20 Nov 2011 12:21:56 -0600</pubDate>
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            <guid>http://www.jennifermackay.com/blog/panama-city-beach-duplex-for-sale.html</guid>
            <link>http://www.jennifermackay.com/blog/panama-city-beach-duplex-for-sale.html</link>
            <author>jenniferim@jennifermackay.com (Super Admin JenniferMackay.com)</author>
            <title>Panama City Beach | Duplex for sale</title>
            <description> <![CDATA[ 
Come and live the Panama City Beach lifestyle... 

Here's a unique way to afford a new permanent or vacation...

Buy a Panama City Beach duplex and live in one side, and rent the other!

&nbsp;

This duplex features:


Balcony views of the Gulf of Mexico

3 bedrooms/2 baths

Stainless steel appliances

Granite counter tops

and more... 

View the video of this unique opportunity on YouTube: Panama City Beach Duplexes for SaleFor more information on this or other Panama City Beach real estate opportunities, contact me directly: 850.774.6582 ]]> </description>
            <pubDate>Tue, 26 Jul 2011 10:29:03 -0500</pubDate>
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            <guid>http://www.jennifermackay.com/blog/panama-city-real-estate-gated-community-home-for-sale.html</guid>
            <link>http://www.jennifermackay.com/blog/panama-city-real-estate-gated-community-home-for-sale.html</link>
            <author>jenniferim@jennifermackay.com (Super Admin JenniferMackay.com)</author>
            <title>Panama City Real Estate - Gated community home for sale...</title>
            <description> <![CDATA[ 
 This 3 Bedroom/3 bath Mediterranean style luxury home is located in the gated community of La Valencia in Panama City Beach, Florida.



This home is being sold as is and partially furnished and has been well maintained. 

Features of this home include: 



	
Crown molding 

	
Wood and tiled flooring 

	
Great room with high ceilings and an open floor plan 

	
Breakfast bar 

	
Dining area 




This neighborhood is a short distance from shopping, restaurants and other family entertainment venues.





For pricing and additional information, please view the listing or view the video of this Panama City Beach home for sale in La Valencia.



Contact me directly (850) 774-6582 for a private showing on this or other Panama City homes for sale.



Owners, put my technology to work for you.  If you are interested in selling your home or condo, contact me today (850) 774-6582 for a free no obligation Home value report.



Buyers, when you're ready to purchase a Panama City Beach Gulf or Bay front condo for your vacation home, contact me directly (850) 774-6582 for the latest information and pricing on any of the Panama City Beach condos for sale.



Jennifer Mackay
850-774-6582
Florida Real Estate | Panama City


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            <pubDate>Thu, 15 Oct 2009 08:22:40 -0500</pubDate>
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