Buy A Florida Vacation Home Blog
Updated bank information on the Buying Information -> Pre-Approved Mortgages page - 06/13/2023
It is our recommendation that you obtain a pre-approved loan before making an offer on a property.
Vanderbilt Mortgage
https://www.vmf.com
Temple View Capital
https://www.templeviewcap.com
Truist
https://www.truist.com/mortgage
VRM
https://www.vrmproperties.com/content/vendee-financing
Cadence Bank
https://www.cadencebank.com/personal/mortgage
Flagstar Bank
https://www.flagstar.com/personal/mortgage-information-center.html
Citi
https://www.citi.com/mortgage/home-mortgage
Ameris Bank
https://www.amerisbank.com/Personal/Borrow/Mortgage-Loans
First Citizens Bank
https://www.firstcitizens.com/personal/mortgages
HSBC
https://www.us.hsbc.com/home-loans
First National Bank of America
https://www.fnba.com/mortgage
US Bank
https://www.usbank.com/home-loans/mortgage.html
Chase
https://www.chase.com/personal/mortgage
Fifth Third Bank
https://www.53.com/content/fifth-third/en/personal-banking/borrowing-basics/mortgage.html
Ally
https://www.ally.com/home-loans/getstarted
Eglin Federal Credit Union
https://www.eglinfcu.org/mortgages
Hancock Whitney
https://www.hancockwhitney.com/mortgage-loans
Synovus
https://www.synovus.com/personal/borrow/home-mortgages
Pennymac
https://www.pennymac.com
Renasant Bank
https://www.renasantbank.com/mortgage
M&T Bank
https://www3.mtb.com/personal/mortgages-and-loans
Regions
https://www.regions.com/personal-banking/mortgage/mortgage-loan
Sun West Mortgage Company
https://www.swmc.com/loan-programs
Navy Federal Credit Union
https://www.navyfederal.org/loans-cards/mortgage.html
First Horizon
https://www.firsthorizon.com/Personal/Products-and-Services/Borrowing/Mortgage
Rocket Mortgage
https://www.rocketmortgage.com/purchase/get-started
CCB Community Bank
https://www.bankccb.com/Home-Loans
Trustmark
https://www.trustmark.com/mortgage/get-started/mortgage-loan-options
PNB Community Bank
https://www.pnbcommunity.bank/mortgages-loans.html
Centennial Bank
https://www.my100bank.com/mortgage
Freedom Mortgage
https://www.freedommortgage.com
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Updated the about me page with posting certifications and designation. - 05/25/2023
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Website updates - 05/17/2023
- Changed Google Analytics properties to https and created Search Console domain properties for https
- Added data collection tags to new GA properties.
- OkaloosaMLS, BuyAFloridaVacationHome, EglinAFBFlorida, EglinAirForceBaseFlorida, TeamSoldTV, WaltonMLS, NorthwestFloridaRealEstateAgent fully encrypted with SSL
- All websites encrypted
- Carbon Trade Exchange widget added.
- 5xx paging error fixed on search results pages. Now redirects back to final page of results.
- 5xx bug for pages with 0 search results uploaded
- Added Discord widget to front page
- Changed preferred domain to WWW so sites will auto-redirect to that URL
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Brandon Jordan achieves NAR GREEN Designation - 04/02/2023
FOR IMMEDIATE RELEASE
Contact: Brandon Jordan
32 E County Highway 30A
850-758-1236
LOCAL REALTOR® ACHIEVES NATIONAL ASSOCIATION OF REALTORS® GREEN DESIGNATION
March 30, 2023
Santa Rosa Beach, FL – Brandon Jordan with ERA American Real Estate has been awarded the National Association of REALTORS®’ NAR’s Green Designation, the only green real estate professional designation recognized by NAR.
Jordan achieved this prestigious designation after completing topic-specific course work designed specifically for REALTORS®. The designation courses were created in collaboration with a multidisciplinary team of industry experts from across the country; ensuring designees gain comprehensive knowledge of high performance properties and issues of resource-efficiency in relation to real estate and home owners.
More specifically, Jordan was trained in understanding what makes a property green, helping clients evaluate the cost/benefits of resource-efficient features and practices, distinguishing between industry rating and classification systems, listing and marketing green homes and buildings, discussing the financial grants and incentives available to homeowners, and understanding how buyer and seller preferences may be inspired by resource-efficiency.
“Living green is about making healthy choices that are also easy on your wallet. NAR Green Designees have the necessary resources and relationships to effectively work with you to find your next home or assess your next green project.” said Marc Gould, Senior Vice President of NAR’s Member Development group. NAR’s Green Designation was developed in response to growing consumer awareness of the benefits of resource-efficient homes and buildings. The designation helps consumers understand the positive impact of home performance and identify REALTORS® who can help them realize their green real estate and lifestyle goals.
As an NAR Green Designee, Jordan has gained the knowledge and the tools necessary to become a trusted green resource for Northwest Florida. For more information about Brandon Jordan, please visit Linktree.com/BrandonJordanRealtor or email Brandon.Jordan@northwestfloridarealestateagent.com.
For more information about NAR’s Green Designation, visit green.realtor
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I have earned the Military Relocation Professional MRP Certification - 02/26/2023
I am located close to multiple bases with Tyndall Air Force Base, NSA the Naval Support Activity close by in Bay county. There is also the Eglin Air Force Base in multiple counties stretching Okaloosa and Walton counties in the areas so we have a large military population and I have worked with many military families so this course was rather easy for me. I do recommend it to anyone starting out that will be working with military families or anyone that just wants to show your qualified to work with military families with the designation.
There is a nice resource guide that you download while taking the course with links and tips on the VA loan process what can and cant be paid by buyers with VA loans, goes over entitlements, funding fees. They also cover how long you have to have served to get a VA loan.
The course also covers PCS moves along with moving expenses coverages, Rankings, salaries, what you can do as a Realtor to try to make the move a little less stressed before the service member or members get here with pre move checklist. There are links to helpful resources including what to expect with the move if a service member has never made a change of station move before. Sites to refer with weight calculators advising to setup their defense property system account for the move and appointment to have their household moved.
Tips on service members deployed overview of releases from leases and payments on mortgages may be extended if needed till up to 6 months after being back servicemembers civil relief act SCRA.
Military Kids connect to help parents with starting to line up activities for the new area and whats available.
They say its about 6 hours but if your just starting out your likely to want to check out the links as you go for example if your not familiar with the condos approved list for condos that are VA approved units you will want to leave yourself more time.
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Futures trading in Crypto - 02/23/2023
Original post June 3 2022
If you havent bought or sold any cryptocurrency then you likely dont know that long and shorts are available on many platforms on coins. The Commodity Futures Trading Commission Thursday bought a suit against the crypto company owned by the billionaire Winklevoss brothers, saying it misled regulators as an effort to gain approval for bitcoin futures in 2017.
What I find interesting about this suit allegations is a few things.
- They brought it almost 5 years later
- They approved the platform for doing what they are doing with trading
- They didnt understand the mechanics of what they were approving
- They thought all trades were pre funded but found later they werent as Gemini allowed borrow
- Traders were able to trade with themselves to manipulate the market price
With all of the talk of tracking capabilities of on chain transactions when you have centralized wallets that hold all trades its easy to see how even regulators cant track trades.
Here is the original announcement where Gemini confirms they are regulated via CFTC
https://www.gemini.com/blog/cboe-and-gemini-to-launch-first-ever-bitcoin-futures-contract-ticker-xbt
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New Discord Help Me Buy My New Home - 01/18/2023
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It's jarring to get an email you can no longer access funds - 01/18/2023
Original post June 19, 2022
This along with any post that I post is not financial advise, I am not a financial advisor. I enjoy the Shark Tank show and Mr. Wonderful isnt my favorite person on there its Barbra Corcoran, I dont always like how Realtors are represented on tv but thats for another post.
Mr. O'leary I do listen to what he would have to say on residuals and he says a few times a season how he made his money from selling a toy company he likes his royalty payments and licensing. He this week came out and said he cant call a bottom to the crypto market but its healthy for the alt coins which means small cap in stock terms to go through clearing out to the bottom to come out with only strong coins.
He also shared the point of view with bitcoin maxi also known as maximalist they call him Michael Saylor who has called for regulations of coins. I have thought the decentralization promise and originals would not want to see a centralized bank/ also known as centralization since bitcoin was based on a written whitepaper from an unknown person called Nakamoto.
The promise was just shown in Ukraine the power of crypto being sent to get around banks that were central and have funds arrive automatic direct to their crypto department of finance. Those that didnt agree with the invasion could help support the military. There is of course the flip side that there is the possibility of funds going around money launder measures and know your cusomters with mixers and the black pools and market for criminal activity that I think most associate with the starting of crypto with silk road. The crypto market has come a long way I feel with coin rating tools, coin exchanges contract bug reviews, defi safety outlets such as blockchain scanner tools and auditors of smart contracts for nft projects and coins.
If you at all follow business news CNBC they have crypto shows as does Bloomberg. You will have heard of the 30 billion loss of Terracoin holders. This is different than trading on a dex meaning decentralized exchanged that gets hacked and loses coins.
This last month that triggered the decline in coin prices as this was advertised as a stable coin with close to 20% returns. That was followed this week with multiple billion dollar older existing crypto wallet companies with millions of customers that they promised staking which is like getting dividends for your coins they are now putting a freeze on funds similar to Robinhood which I was against as that was anti free markets to stop trading with both companies including the one I have funds with Celsius.
They promise a hodl mode which locked your coins with multiple layers of password and 2 factor authentication which was what drew me in addition to a bonus offer of bitcoin small amount with locking of coins I had already on hand called matic/polygon along with it being a older wallet and US company that had under management billions.
@SlowMist_Team
BlockScout Blockchain Explorer
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I started a new group https://activerain.com/groups/NFT - 01/16/2023
If you were wondering about what an nft was I have started the group for you.
If you wanted to find out where to buy one. If you wanted to find out research tools to know how many have minted in the last hour, also what minting is.
If you wanted to know all time sales for a project, daily sales and volume tracking follow along with the group.
If you wanted to know of other markets not just the largest opensea check it out.
The crypto market is in a bear market along with nft projects so this could be a good time to take a look and get started in the metaverse virtual land and building.
https://activerain.com/groups/NFT
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Top 5 things to consider with nft - 01/15/2023
1. Has this projects team doxxed themselves, meaning are they public facing and out front with who the founders are, this makes them not always but most of the time more accountable if they want to keep a reputation with keeping up promises made with the project.
2. Do they have previous project experience, how did that go?
3. Research tools look at what blockchain they will be on, have there already been projects like this one how did they do?
4.How long are you willing to wait to see if they live up to their whitepaper and roadmap? Is this a flip or hold?
5.How much do you want to invest in this project and in the market overall how much are you wanting to diversify into new tech and its long term potential?
Bonus here for you, many articles have been written about do they have twitter followers, do they have active discord and telegram communities. *You can buy followers and bots in all social platforms* @followeraudit
While I do check a project does have a website and has socials, I tend to lean toward discord and check to see they have an active team that answers questions before feeling ok with picking up more than one of anything but thats me.
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