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Protect your belongings and Protect the assets you’ve worked so hard for!

  • Personal Property – Apartment and Townhome renters insurance provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren’t worth a lot but those items all add up.
  • Personal Liability – In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage.  The renters policy provides personal liability coverage to financially protect you should this ever occur.
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    Let’s face it, home insurance is necessary for your peace of mind and should be purchased to protect you from a financial disaster. Home insurance can help protect your assets from lawsuit judgments against you and pay for your legal defense if you are sued. No matter what happens — minor accidental damage to contents or a major event like an earthquake, storm of fire — you need fast response from your home insurance company. Protect your Home, Protect your belongings, and Protect the assets you’ve worked so hard for!   Continue Reading »

    TODAY’S MORTGAGE RATES from Ethical Lenders  Continue Reading »

    Florida lots for sale tips

    You know the rest. Your neighbor knows the rest. Well meaning folks looking to invest in their future knows the rest. And still every month someone buys a parcel of Florida land from an online auction site or from reading an artfully worded newspaper ad. Willingly, they send off a check to an individual they have never met, for a piece of Florida they have never seen. Why not? The Florida real estate market is hot right now isn’t it? As long as they get a title policy they are safe, right?

    Maybe. Continue Reading »

    About Pelican Real Estate

    Pelican Real Estate was established in 1996 by William H. Smith in Seagrove Beach Florida. Pelican has grown into the largest locally owned real estate company in Northwest Florida. With offices from Panama City to Navarre and beyond, Pelican is here to serve you. Pelican is a full service real estate brokerage based in Destin, Florida offering expertise in residential real estate, commercial real estate and investment real estate.

    Pelican Real Estate provides the highest standard of service to the buyers and sellers of real estate throughout the Gulf Coast of Northwest Florida and the region. All Agents are dedicated to responsibility, accountability, and professional integrity before and after each sale. Our Philosophy is simple. Customer service is our core principle. We are professionals, who understand that you deserve the very best. The proof of quality service is in our repeat customers and referrals from family and friends.

    Investor Report: Anti-Flipping Rules

    Here’s some really good news for anyone involved in acquiring, rehabilitating and reselling foreclosed houses: The Federal Housing Administration is temporarily waiving its “anti-flipping” rules and will now insure mortgages on properties that have been owned by the current seller for less than 90 days.The policy change opens up a potent resource — the red-hot FHA fixed-rate mortgage program — to investors and property disposition companies looking to move houses quickly off their books at a profit.

    The idea, according to FHA Commissioner Brian Montgomery, is to help get rid of the “glut of foreclosed and abandoned homes” now burdening large numbers of neighborhoods around the country. Continue Reading »

    Renters insurance may seem expensive or even esoteric if you’re among the far more than two-thirds of tenants who lack it. But it’s the most effective way to avoid losing thousands of dollars if you’re robbed or your apartment is damaged by water or fire.

    Apartment dweller Rose Lichter-Marck, 28, had to pay cash to replace all her furniture, housewares and books after a fire in her old building that started with an electrical issue on yet another floor. Cleaning the smell of smoke out of her clothes price an additional $2,000, even with a “pity discount,” since she didn’t have insurance, she said. Then she had to stay with friends and relatives until she discovered a new apartment. Continue Reading »

    Why “local mortgage rates” thing is just a marketing strategy

    1. Let’s say that you are shopping for a interest rate for a Destin Florida mortgage and you get out your Sunday newspaper and go to the Destin Real Estate section to see what mortgage rates are doing that day. You see some 20 different mortgage companies offering different rates saying that sense they are a local mortgage lender they can give you better rates. This is not always the case.
    2. Mortgage rates have nothing to do with where your house is located. Mortgage rates do not care where you live to be exact. They just want to know whether or not you are going to give them a new home with a new home loan. Continue Reading »

    Top Reasons A Mortgage Doesn’t Make It From Pre-Approval to Closing
    Getting a pre-approval is the one of the first steps in the home buying process, but that alone doesn’t get you to the closing table. Knowing the rules ahead of time can help you steer clear of unnecessary pain and suffering. The world of mortgage has changed dramatically in the past few short years. At the peak of the real-estate bubble, mortgage professional joked that you needed a pulse and a social security number to get a loan. These days, even borrowers with good incomes and good credit scores can get turned down. Continue Reading »

    Further September 2010 Extension of $8,000 First , Plus New $6500 Existing Home Buyer Tax Credit Approved. 2011 Extensions Available For Certain Groups.

    Approved! First-time home buyers now have until Sept. 30 to close on their home purchases and qualify for the $8,000/$6500 tax credit under a newly approved extension bill. The closing deadline was originally June 30. To be eligible, buyers still need a contract that was in place by April 30.
    Continue Reading »

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