Real Estate Broker/Owner
Charles Stallions
27+ years specializing in working with sellers and buyers. Charles is avid investor and knows the market and Neighborhoods. CRS Certified Residential Specialist.
Cell: (850) 476-4494
Office: (850) 478-8811
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Real Estate Broker/Owner
Mark Hoeft
I've closed over 320 real estate transactions and have totaled more than $33,000,000.00 in sales since 2003. I Specialize in Investment Properties, Homes & Condos in Pensacola/Pensacola Beach Florida
Cell: (850) 525-2765
Office: (850) 525-2765
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Escambia County, FL Real Estate News

By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
I saw this article on CNBC and it made me think. Here's the title: Demand for riskier home loans is high as interest rates soar.  At first glance, a title like that sends little chills up my spine. 2008-2009 anyone? Reading the article, I found that it was filled with mortgage market jargon: "Total mortgage application volume dropped 2% last week compared with the previous week, according to the Mortgage Bankers Association's seasonally adjusted index, a consequence of surging rates. The average rate for 5/1 ARMs, which has a fixed rate for the first five years, increased slightly, but was still lower, at 5.56%. The ARM share of applications was just under 12%. When rates were lower at the start of this year, that share was barely 3%, where it had been for several years. ARMs can be fi...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
You may be wondering what needs to be renovated before you sell your house. In today’s shifting market, making your house appealing is more important than ever. Click Here to Continue Reading     Bottom Line Serious buyers should approach rising rates as a motivating factor to buy sooner, not a reason to wait. Waiting will cost you more in the long run. Work with a real estate professional to understand your budget and how you can be prepared to buy your home before rates climb higher.  My Home own search! How to get a Mortgage and FREE Credit Report   Thinking of Buying, We can help you relocate, find a job, a daycare, and great places to eat, shop, and play along the gulf coast. It all starts by clicking here. Put my over 27-plus years to work in your best interest. We are ambassador...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
VA Loans can help make homeownership possible for those who have served our country. These loans offer great benefits for eligible individuals and can help them buy a VA-approved house or condo, build a new home, or make improvements to their house. Homeownership is the American Dream. One way we can honor and thank our veterans is to ensure they have the best information about the benefits of VA home loans.   Bottom Line "There Is A Realtor For That" If you’re ready to buy or sell a home Charles Stallions with over 27 years of experience will give you expert advice on your specific situation. Buying Or Selling while living on the Gulf Coast Sign up for our Monthly NewsletterWe are Ambassadors for all things Pensacola, Pace, or Gulf Breeze, Florida whether a first-time guest or a frequ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Now that the end of 2022 is within sight, you may be wondering what’s going to happen in the housing market next year and what that may mean if you’re thinking about buying a home. Here’s a look at the latest expert insights on both mortgage rates and home prices so you can make your best move possible.   Mortgage Rates Will Continue To Respond to Inflation There’s no doubt mortgage rates have skyrocketed this year as the market responded to high inflation. The increases we’ve seen were fast and dramatic, and the average 30-year fixed mortgage rate even surpassed 7% at the end of last month. In fact, it’s the first time they’ve risen this high in over 20 years (see graph below): In their latest quarterly report, Freddie Mac explains just how fast the climb in rates has been: “Just one ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Buying a home is a powerful decision and a key part of the long-term dream for many Americans. And if homeownership is part of your dreams this year, connect with a local real estate advisor to start the process today.   Buying a home is a powerful decision, and it remains a key part of the American Dream. In fact, the 2022 Consumer Insights Report from Mynd found the majority of people polled still view homeownership as a key life achievement. Let’s explore just a few of the reasons why so many Americans continue to value homeownership. The Financial Benefits of Owning a Home One possible reason homeownership is viewed so highly is because owning a home is a significant wealth-building tool, and it provides meaningful financial stability over renting by locking in your monthly housing...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
If you’re thinking about buying a home as an investment strategy to build your wealth, or for just living the life connect with Charles Stallions at 850-476-4494 to explore your options and nearby areas that may have homes that fit what you’re looking for. It turns out, millennials aren’t the renter generation after all. The 2022 Consumer Insights Report from Mynd says there’s a portion of millennial and Gen Z buyers who are pursuing homeownership as a way to build their wealth, but it may not be exactly the way previous generations have done it. The study explains how they’re breaking into the market: “. . . younger generations of Americans are not buying into that dream in the same way that older generations have. A growing number of Americans are choosing to make their first real es...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
If you’re thinking about selling your house so you can find a home that better suits your needs, don’t delay your plans. Work with a local real estate professional to accomplish your goals before winter.     Sell Your House Before the Holidays As you look ahead to the winter season, you’re likely making plans and thinking about what you want to achieve before the year ends. One of those key decision points could be whether or not you want to move this year. If the location or size of your current home no longer meets your needs, finding a house that better suits your lifestyle may be a top priority for you. But with today’s cooling housing market, is it really a good time to sell your house, or should you wait? If you’re ready to make your decision, here are three reasons you may want ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
  They now make up 45% of all homebuyers, up from 37% last year, even as affordability issues persist. Repeat buyers may have pulled back due to rising interest rates. CHARLOTTE, N.C. – First-time home buyers have returned to the housing market, and those who can afford a home are finding success after years of setbacks. The share of buyers purchasing a home for the first time has rebounded to pre-pandemic levels. First-time buyers now represent 45% of all buyers, up from 37% of buyers surveyed last year, according to Zillow’s 2022 Consumer Housing Trends Report. If they can overcome affordability challenges, first-time buyers could be well positioned to continue increasing their share in today’s shifting market, with more options and time to decide on the right home. The share of firs...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
 EnvelopeFacebookTwitterLinkedinPinterest After two years, dead skin cells, bugs, dust mites, and their droppings make up one-third of your pillow’s weight. “Washing your pillows is essential,” agrees Chris Brantner, founder of SleepZoo.com, a site that emphasizes the importance of sleep health. “You should be washing them every quarter, or three months.” Granted, the pillow washing process can be mystifying. Should you stuff your high-end memory foam pillow into a washing machine? Do down pillows need to be dried on the highest setting? Can all pillows be cleaned together? (The answers are no, no, and definitely not.) While you should always consult the care instructions from your pillow’s manufacturer, these vital cleaning tips from pillow experts will help you rest a little easier. ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
If you’re anything like us, you’re getting ready to hunker down for the impending holiday rush as November arrives and fall begins its inevitable acceleration toward winter. But before you throw the turkey in the deep fryer and binge on a Lifetime holiday movie marathon (you know who you are!), take a few minutes to protect your home against winter’s chill. This month’s tasks are all about guarding against the elements—and the unforeseen. But fear not: We’ve got you covered with our handy checklist of home maintenance chores to tackle this month. Read on for details about where to start, and whom to call if you need reinforcements. Check smoke detectors Daylight saving time officially ends at 2 a.m. on Sunday, Nov. 5. That’s a perfect time, according to the American Red Cross, to test ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
    The Fed raised rates by 75 bps on Wednesday, in a move that was widely expected. The biggest thing we learned from the press conference with Chair Powell is that the Fed is looking to make smaller rate hikes but may raise the overall Fed Funds rate to a higher overall level than what they were expecting a few months ago. With the Fed Funds rate at 3.75%-4%, we are now at a restrictive monetary policy from the Fed, which should slow the economy and fight inflation. Powell still sounded very hawkish, but the Fed is indicating that they are slowing their pace of rate hikes, which is a good step.     Initial Jobless Claims   Initial Claims arrived almost as expected and virtually unchanged from last week at 217k (mkt +220k); last week's figure was revised to 218k from 217k. Continued c...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
To learn more, reach out to a trusted real estate professional and a local lender so you’re able to make an informed decision if you’re planning to buy or sell a home right now. While higher mortgage rates are creating affordability challenges for homebuyers this year, there is some good news for those people still looking to buy a home.As the market has cooled this year, some of the intensity buyers faced during the peak frenzy of the pandemic has cooled too. Here are just a few trends that may benefit you when you go to buy a home today. More Homes To Choose fromDuring the pandemic, housing supply hit a record low at the same time buyer demand skyrocketed. This combination made it difficult to find a home because there just weren’t enough to meet buyer demand. According to Calculated ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Budgeting for your home purchase doesn’t have to be scary when you PUT "Charles In Charge" Charles Stallions can show you how doing these three things will put you in the driver's seat toward your next home purchase. Partner with a local real estate advisor so you’ll have an expert on your side to answer any questions you have along the way.     If you’re planning to buy a home, knowing what to budget for and how to save may sound scary at first. But it doesn’t have to be. One way to take the fear out of budgeting is to understand some of the costs you might encounter.  And to do that, turn to trusted real estate professionals. They can help you plan your finances and prepare your budget. Here are just a few costs experts say you can expect. 1. Down Payment Saving for your down payment...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Any major life change can be scary, and buying a home is no different. Partner with a trusted real estate professional to take the fear out of the equation. Charles Stallions has many mortgage opportunities for you. You need an expert and that expert is Charles Stallions Real Estate Services/   Some Highlights Even with higher mortgage rates, the mortgage process doesn’t need to be something you fear. Here are some steps to help as you set out to buy a home. Know your credit score and work to build strong credit. When you’re ready, lean on the pros and connect with a lender so you can get pre-approved and begin your home search. Bottom Line "There Is A Realtor For That" If you’re ready to buy or sell a home Charles Stallions with over 27 years of experience will give you expert advice ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
When the going gets tough and the market starts shifting, buyers, sellers, and even agents tend to have one response: to fight or to flight. Here at Charles Stallions Real Estate Services we just roll up our sleeves and continue to do what we do best SELL HOMES on your time frame with no hassles while saving you lots of money. But the real estate market is in a constant state of shifts and changes. Some of them are bigger or more impactful than others, but the truth remains the same: from pandemics to recessions, we can never predict what’s going to happen.You do, however, have control over how you manage the home selling process from a fast sale, to rent back we look at what you want to cause every sale is different so we tailor a solution with that.  We communicate what’s happening an...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Every time there’s a news segment about the housing market, we hear about the affordability challenges buyers are facing today in Pensacola. Those headlines are focused on how much mortgage rates have climbed this year. And while its true rates have risen dramatically, it’s important to remember they aren’t the only factor in the affordability equation.   Here are three measures used to establish home affordability: home prices, mortgage rates, and wages. Let’s look closely at each one. 1. Pensacola Mortgage Rates This is the factor most people are focused on when they talk about homebuying conditions today. So far, current rates are almost four full percentage points higher than at the beginning of the year. As Len Kiefer, Deputy Chief Economist at Freddie Mac, explains: “U.S. 30-year...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Millennials are interested in and well-positioned to achieve their homeownership dreams. If you’re ready to sell your house, know that it may be just what they’re looking for.   If you’re thinking about selling your house but wondering if buyers are still out there, know that there are still people who are searching for a home to buy today. And your house may be exactly what they’re looking for. While the millennial generation has been dubbed the renter generation, that namesake may not be appropriate anymore. Millennials, the largest generation, are actually a significant driving force for buyer demand in the housing market today. Here’s why. Millennial Homebuying Power While there’s no denying higher mortgage rates are making it more challenging to afford a home today, many millennia...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Why come up short Charles Stallions with over 27 years of experience in pricing it right the first time, selling on YOUR time frame is the leader in the Pensacola, Pace, and Gulf Breeze, Florida markets we do the heavy lifting that others will not do. CALL NOW at 850-476-4494 and gets the facts with a no-obligation over-the-phone consultation.    Redfin: Pending home sales and new listings both saw their biggest year-over-year drops since the pandemic’s start, hitting levels roughly on par with April 2020. SEATTLE – Pending home sales and new listings both saw their biggest year-over-year drops since the start of the pandemic, dipping to levels roughly on par with April 2020, according to a new Redfin report, the technology-powered real estate brokerage. Sellers’ Time on Market Doubles...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
History shows you don’t need to fear the word recession when it comes to the housing market. If you have questions about what’s happening today, work with a real estate professional so you have expert advice and insights you can trust. 1.1KSHARES 833 82 22 176 Since the 2008 housing bubble burst, the word recession strikes a stronger emotional chord than it ever did before. And while there’s some debate around whether we’re officially in a recession right now, the good news is experts say a recession today would likely be mild and the economy would rebound quickly. As the 2022 CEO Outlook from KPMG says: “Global CEOs see a ‘mild and short’ recession, yet optimistic about global economy over 3-year horizon . . .  More than 8 out of 10 anticipate a recession over the next 12 months, with...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Getting pre-approved for a mortgage is critical. It helps you better understand what you can borrow and shows sellers you’re serious about purchasing their home. Connect with a local real estate professional and a trusted lender so you have the tools you need to succeed as a homebuyer in today’s market. 2.2KSHARES 1.8K 133 21 237 If you’re planning to buy a home this year, one of the first steps on your journey is getting pre-approved. Especially in today’s market when mortgage rates are higher than they were just a few months ago, getting a mortgage pre-approval can be a game changer. Here’s why. What Is Pre-Approval? To better understand why pre-approval is key, it’s important to know what pre-approval is. The Mortgage Reports explains it like this: “When you’re ready to take the lea...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
If you’re planning to sell your house this year, you likely have questions about what the shift in the housing market means for your home sale. You might be wondering: Should I wait to sell? Are buyers still out there? And can I afford to buy my next home? Connect with a trusted real estate professional so you can get answers to these questions and learn about the opportunities you still have in today’s housing market. 1.8KSHARES 1.5K 92 16 185   Bottom Line "There Is A Realtor For That" If you’re ready to buy or sell a home Charles Stallions with over 27 years of experience will give you expert advice on your specific situation. Buying Or Selling while living on the Gulf Coast Sign up for our Monthly NewsletterWe are Ambassadors for all things Pensacola, Pace, or Gulf Breeze, Florida ...
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By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
The housing market is shifting, and it’s a confusing place right now. The best way to navigate that shift is to lean on a trusted real estate professional to help you make confident and informed decisions about what’s happening in your market.   1.3KSHARES 974 103 25 190 As the housing market cools in response to the dramatic rise in mortgage rates, home price appreciation is cooling as well. And if you’re following along with headlines in the media, you’re probably seeing a wide range of opinions calling for everything from falling home prices to ongoing appreciation. But what’s true? What’s most likely to happen moving forward? While opinions differ, the most likely outcome is we’ll fall somewhere in the middle of slight appreciation and slight depreciation. Here’s a look at the late...
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