Real Estate January 7, 2024

Happy New Year

It is so important for people to know what their credit score is. You can get a free copy of your credit report once a year at

The word is: Mortgage rates will average 6.3% in 2024.

Most people are intimidated by the home buying process because they don’t have a clue where to start. The first thing you want to do is contact a local lender to find out how much house you qualify for.  The lender will ask you a few questions and based on the information you provide they will be able to let you know within minutes if you qualify and how much you qualify for.  The best part is this won’t cost you a dime.  If for some reason you don’t qualify right away, the lender will let you know what you need to do in order to qualify, and you will have some homework to do.

Once you are prequalified based on your debt and income and your financial house is in order then you will contact me so we can start searching for your new home, and for a lot of people it could mean being in your new home in time for Valentine’s Day!!!

If you have any questions at all about the process please don’t hesitate to contact me.  If I don’t know all of the answers I will find out for you and together we will get it done.

If you are leaving the area and would like to come back to your home eventually and are thinking about renting out your property I can help with that too!!  I have been a licensed realtor since 2005 and have been a long-term residential property manager since 2013.  I can help with all of your real estate needs.

Let’s Make 2024 Your Best Year Ever!!!!

Discover Gulf Coast Properties at

Joanie L. Pape

Realtor/Property Manager


Direct: 850-226-2626

Office: 800-399-8721 x 731

License: 3109565