As a Florida native, Sonja has been a resident ​of and worked across the Emerald Coast for ​the past 20 years. She strives to provide the ​highest levels of professional service in real ​estate and learn as much as possible. As the ​wife of a military veteran, she feels blessed to ​be able to call Northwest Florida her forever ​home. Sonja is an outdoors enthusiast, she ​spends her free time hiking, fishing, and ​enjoying all of the natural beauty Florida has to ​offer. She is eager to help all future home/land ​owners find their own piece of the Panhandle ​they'll love and can call their own.

My

Reviews

MY BEST ADVICE IS TO TAKE 20 MINUTES AND GET PRE- APPROVED BY A LOCAL LENDER. THEY CAN TELL YOU AN ​ESTAMATE OF WHAT YOUR RATES / MONTHLY PAYMENTS WOULD BE TOO, YOU CAN USE THAT TO DECCIDE WHAT ​PRICE RANGE YOU WILL SHOP IN : )

Roadmap

home buyer's

Use this roadmap as a quick overview of the buying process. If you have ​any questions, please reach out to your realtor!

financials

find agent

Determine what you can ​afford, get a credit check ​and pre-approved for a loan

Find a great agent that ​you're comfortable ​working with

negotiate

offer

Let your agent ​help you ​negotiate with ​the seller

Work with your ​agent to make a ​strong offer

loan approval

appraisal

The Lender will arrange ​for an appraisal to be ​performed on the home

Receive your final ​approval letter from the ​lender

closing

Attend the closing ​meeting, get keys and ​celebrate!

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The VA Buying Process Explained

The Standard Buying Process Explained

I will send you newly listed homes on the market ​daily, set to your search specifications directly to ​your email inbox:)

If we haven't spoken yet please click here and fill ​out my buyers questionnaire

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Do you have a property to sell?

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Shop Homes Now!

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Military PCSing?

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Preferred Vendors

Local Lenders

Local Insurance Companies

Local Home Inspectors (I Can Order This For You After We Are Under Contract)

Have Questions? Just Ask!

I will make this as easy as possible for you.

Bonus

Material

How Much Will This Cost To Buy?

A 1% EMD Earnest Money Deposit Is Due With In 72 Hrs. Of An Accepted Offer

Fees that are due at time of service, before closing :

$400-750 - General Home inspection (recommended but optional)

$170 Usually less - WDO Inspection report (Only due with certain lenders/Loans Like VA) + Reinspection if issue ​is found and fixed -Usually under $120 for Reinspection.

$ 140 +/- -4 Point inspection (usually required for insurance) + Re-inspection if issue is found and fixed -Usually ​under $130 for Reinspection.

$140Usually less - Wind Mitigation Usually (required by insurance)Re-inspection if issue is found and fixed -​Usually under $120 for Reinspection.

$400-$1000 - Survey (The sellers may have one, I always ask)

$400 - $900 - Appraisal (Required when financing) Lender orders this. This is usually billed to be paid at closing

All Prices Vary From Company To Company and Change With The Demand Of The Market

If you have signed an as-is contract / contract with no repair limits you may be liable for some repairs, ​we can always present it to the sellers, to see if they will cover some costs. Some repairs are the sellers ​responsibility. It's all very situational and I will help to navigate through this, if it ever comes up.

Fees due at closing

Closing costs: lender fees, title fees, prorated taxes and insurance.

UPON REQUEST, Your lender will prepare a " Net sheet " to show expected closing cost.

Mortgage And Monthly Payment Calculator

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This will give you a rough estimate, your lender can always give you the most accurate information

Throughout the transaction I will be looking for ways ​to save you money where ever possible.

ALL Happy Buyers And Sellers

AND MANY MORE