Sheryl and Bob Pirrung - Realtors with Prudential Shimmering Sands Realty - Panama City Beach Real Estate

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Panama City Beach
Real Estate

by Sheryl and Bob Pirrung


Full Sail



When you set out to buy property, the first call should be to a source for the funds (and to qualify you for a loan amount) to purchase the property and the second should be to a Realtor in the area of interest.

There are a number of types of financing plans available, some special interest (Rural re-development, first time home buyers), bond funds, etc as well as the usual FHA, VA, Conventional.

The buyer has closing costs mostly for procuring a loan, down payment, survey, appraisal, termite inspection, home inspection, documentary stamps on the loan, and a proration for taxes. You must also have home owners insurance (including wind and storm coverage) in hand before closing on your new home.

In todayís real estate market, you will also need to know about short sales and foreclosures.  A short sale simply means that the asking price is less than the seller owes the lender, but that is where it becomes more complicated.  A short sale requires the buyer and their agent to be patient, as the process CAN be frustrating and take what seems like forever, and the rate of progress depends primarily on the knowledge and skill of the listing agent combined with the lenderís systems and procedures (some are much better than others).  As for foreclosures, we strongly recommend a buyer consider them but do not focus strictly on them.  They are NOT necessarily a good investment (or a really good buy) as often the property has set empty for a period of time and the lender has no knowledge of the kind of life the property has had (i.e. sellerís disclosure).

We will be happy to have a conversation with you (850-896-7356 or 850-896-7394)about these areas, and if you are not local, a conversation about Bay County.

Sheryl and Bob Pirrung
Full Sail Realty
Phone: 1-850-896-7356 or
Fax: 1-850-233-5940













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