This week, Southern Choice Properties started their partnership with Food for Thought. Two days this week, we met with them as a team to learn more about their program and to train to be able to volunteer in North Walton County. Wednesday, we were blessed to be able to be a part of packing 510 bags for West DeFuniak Elementary and Maude Saunders Elementary. Thursday, we met at West DeFuniak Elementary to be able to help distribute the bags. There are multiple opportunities to volunteer with this program, you can help pack bags, drive the delivery van, distribute and more. Please come join us in fighting hunger in our youth and help grow our future generations.
February 25th, 2020
We are hosting our first Food Drive and will be donating the items that we collect to Purpose & Promise Ministry.
WHO: We need YOUR help to reach our goal of 100 food items!
WHAT: Non-perishable food items such as canned foods (meats, veggies or fruit) or dried foods (soups, noodles, etc).
WHERE: Please drop off to Southern Choice Properties at 917 US Hwy 331 S, DeFuniak Springs FL 32435
WHEN: March 1st-31st, 2020
For More Info: 850-951-4828
Here is a little it about their mission of Purpose and Promise Ministry!
Sowing Seeds For His Glory!
Purpose and Promise Ministry is an evangelistic ministry that bridges the gap between jail, the streets and the church. This ministry was founded and is now directed by local missionary Jessica Simmons. The mission of this ministry is to offer life skills and life training through Jesus Christ and the Bible. Purpose and Promise Ministry desires that the effect of their mission will usher in hope and a future through Christ for those that participate in the services offered through the ministry. The mission's primary goal is assisting with transition.
The different people this ministry reaches is vast. Purpose and Promise works in partnership with many local churches, churches internationally, local law enforcement, civic groups and local DHR to reach an "undesired" or "much required" portion of our community. The ministry services individuals that are in incarceration or coming out of incarceration and services also extend to individuals in extreme poverty, homelessness, and veterans.
As of the beginning of 2020, Purpose and Promise Ministry has been an established 501c3 non-profit corporation for almost 3 years. In those 3 years, this ministry has seen people come know Jesus. This ministry has been involved with helping people find jobs, housing, families, church, rehabs or recovery programs, direction, guidance, and purpose through the work of Jesus Christ. Purpose and Promise Ministry has been the conduit to assist in these transitions.
This ministry is more than just helping a targeted group of the population. This Ministry is about helping everyone involved or connected to it find their purpose and how they can be useful and intentional within their community.
At current, Purpose and Promise Ministry is open 3 days a week from 11am-3pm. During this time, they offer Bible Study, life skills, fellowship and hygiene. A lunch meal is offered to those who participate in classes and limited food assistance is provided. Plans are underway to offer a 12 step recovery plan weekly, along with a licensed counselor and anger management classes.
The goal moving forward for Purpose and Promise Ministry is to offer temporary residence for those transitioning into work, recovery programs or family living!
This write up has been provided by Purpose and Promise Ministry. Please help me in helping them accomplish your mission!
When you purchase your primary residence, we highly recommend applying for a Homestead Exemption on your property taxes.
There are numerous benefits from doing this:
1. Your property taxes are based off an assessed value on your home. If your home is assessed at less than $75,000, then filing for a homestead exemption entitles most home owners to a $25,000 deduction off their property’s assessed value, which can greatly reduce your property taxes. If your home is assessed at more than $75,000, you will receive an additional $25,000 deduction for a total of $50,000 off your assessed value, which can save you hundreds of dollars per year and reduce your monthly mortgage payment. The additional deduction does not apply to school tax levies.
2. Once your right to a basic homestead exemption on your property is established, you may also qualify for additional homestead exemptions if you are over 65 years old or have a disability.
3. Most importantly, due to the Save Our Homes Amendment to the Florida Constitution, the assessed value of your homestead property cannot increase more than 3% per year or the percent change in the Consumer Price Index.
4. There are also benefits to protect your property from creditors, to learn more about these specific benefits, please contact your local county property appraiser office.
There are two deadlines which must be met in order to benefit from the Homestead Exemption:
1. January 1st: you must be a Florida resident, as well as own and occupy the property as your primary/permanent residence.
2. March 1st: you must apply for Homestead Exemption by this date.
What do you need to apply for Homestead Exemption?
1. Evidence of ownership: A copy of the deed to the property recorded in the public records or a copy of the property tax bill or a notice of the proposed property taxes.
2. Evidence of a permanent Florida Residence: A valid Florida Driver’s License or Florida ID Card which must reflect the permanent residence address.
3. One of the following: Florida vehicle registration, proof of Florida voter registration.
4. Or two of the following: Employment verification (must show address), proof of payment for utilities or bank statements that are mailed to address.
5. Must provide Social Security Number.
Other Homestead Exemptions Available:
1. Senior Exemption with Limited income (Over the age of 65)
2. Disabled Veterans Homestead Property Tax Discount (Over the age of 65)
3. Total & Permanent Disability Exemption (Service Connected) Taxes waived
4. Total & Permanent Disability Exemption (Non-service Connected) Taxes Waived
5. Widow/Widower Exemption- $500
6. Disability Exemption: $500
7. Blind Disability Exemption-$500
8. Disabled Veteran: $5000
For More information contact your local county property appraiser!
Your Realtor for Life
Southern Choice Properties, LLC
Real Estate Sales Associate
Whether you’re a first time home buyer or you’ve bought numerous times, utilizing a Realtor that specializes in working with Buyers is a must. Finding that perfect home can be tricky and sometimes stressful but with my help we can make it happen together.
Where do I begin?
When you’ve made the decision that it’s time to buy, consulting with Mortgage Broker or Mortgage Banker for a Pre-Approval is the first and most important step in the journey. You always want to know exactly what price range you need to stay within so you are able to maximize your complete buying potential. It also puts you in the driver’s seat when viewing potential homes. There’s nothing better than walking into your dream home and having the confidence of a pre-approval letter so you can make that offer on the spot!
How do I find the home I’m looking for?
If you’ve ever visited sites like Realtor.com, Trulia or Zillow, you know searching for a home can be a daunting process. This is exactly where having a Realtor that specializes in the buyer’s needs helps you tremendously. Through a checklist of must haves and would like aspects of the potential home, a buyer’s agent takes that information and does all the leg work for you. They search through all these sites and many more to locate homes that fit exactly what you are looking for, so all you have to do is show up and buy it!
How do I know what to offer?
Once your buyer has located your dream home, it’s time for an offer. Many people think that the “Zillow Price” and others like it are the actual going rates. However this is far from true. A buyer’s agent conducts a specific Market Analysis of your home comparing it to other recently sold homes near it. This will give you a much better starting point so you come in at the right price with your offer.
They accepted my offer! What happens next??
The next 30-45 days can be a crazy rollercoaster but with the right Realtor it’s just the last step in owning your dream home. This time period is all about inspections, underwriting and lots of paperwork. A buyer’s agent will give you a checklist of expected dates for each area to wrap up so you can know exactly where you are in the process. All the follow up with inspectors, mortgage companies, title companies and listing agent is all done by your Realtor.
The Emerald Coast Team at Southern Choice Properties knows the market and knows how to help you determine what you need and give you the service that should you expect and deserve. We strive every day to make this process seamless and amazing! Call us today so we can talk about finding your dream home!
"Where Dreams Come Home"
Santa Rosa Beach, FL
Choosing a Realtor to represent you through the process of selling your home can be a challenge. Being a Seller’s Representative Specialist I understand your perspectives and commit myself to achieving a successful transaction.
What can you do to help spruce your home without spending a ton of money?
Paint it! A fresh coat of paint can do wonders! Think about it, most of the surface area in your home is walls and ceiling which require paint! One of the biggest differences you can make in an afternoon is to re-touch and re-paint your interiors. With not knowing who will end up purchasing your home, you need to appeal to a wide range of potential buyers.
Make sure you remove all old, dated wallpaper and paint over areas that are too bright or too dark. Neutral colors are best and don’t give off negative reactions. Its best to use lighter colors in smaller spaces and rooms because it will make the area seem larger.
Its easy to spend mega bucks to make your home stand out better, but in the long run finding tasks that you can do yourself saves you a ton of money. Our marketing services at Southern Choice Properties are designed to get your property maximum exposure! Call or text me today to schedule your free market analysis!
Kristen Davis, GRI
"Don't Make A Move Without Me!"
Seller Representative Specialist
Licensed Sales Associate
Southern Choice Properties
Question: Do you have to have 20% to put down.
Answer: No. Some loan products such as VA or USDA financing allow for 100% financing. Many first time homebuyers prefer the FHA loan because the down payment is 3.5% of the purchase price. The type of loan that you qualify for will also depend on your credit score.
Senior Loan Originator
1301 Eglin Parkway #A,
Shalimar, FL 32579
Play all day in the waters near Santa Rosa Beach homes with Stay Afloat Paddle Board. Locally owned and run, this shop provides paddleboard rentals, lessons, and sales. Residents of Santa Rosa Beach property know this is the place to go when adventure calls.
Paddle boards may be rented for the day or the week. Kayaks are available for rent too. Friendly employees will conveniently drop off and pick up the boards. Those new to the sport will find patient and energetic instructors waiting to teach them the skills to maneuver through the water. Lessons range from beginner to intermediate. Paddle boarding yoga frequents the calendar as well. Tour guides also take groups along Emerald Coast beaches. Experts in the region, explorers showcase regional wildlife and landscapes. Popular sunrise and sunset tours are great ways to begin or end the day. Paddle boarders living in Santa Rosa Beach homes can upgrade their equipment at the shop. A great selection of the top brands are available for sale.
Reservations can be made online or by calling 850.420.3884. Come ride the waves of the pristine blue waters of Santa Rosa Beach and the Emerald Coast soon. Stay Afloat Paddle Board can help you ride through the ways.
Defuniak Springs property sets the scene for sophisticated dining. At Bogey’s Restaurant, found in historic downtown, the classy one and only Humphrey Bogart is paid tribute to. A symbol of Hollywood style and elegance, Bogart was often described as a “man’s man and ladies’ gentleman”. His signature uptown style is seen throughout the building and reflected in the menu.
A classic setting awaits diners with tables draped with linen spaced to create an intimate ambiance. Outdoor eating on the upstairs patio is more casual but still stylish. Guests can also grab a stool at the bar and indulge in a drink with friends. Bogey’s critically acclaimed menu is extensive. From appetizers to entrees, there is something to please every palette. Lunch and dinner are served with the doors open Tuesday through Friday. Saturday the restaurant is open for dinner only.
Weekday Happy Hour creates smiles with drink and appetizer specials. Locals living in Defuniak Springs love to frequent Bogey's in the middle of the week. Wednesday is prime rib night and the deliciousness keeps them coming back for more. An Early Bird Menu is stacked with tempting choices such as stuffed shrimp and chicken marsala. Defuniak property residents appreciate the take out option the restaurant offers. Easily solving the age old problem of what’s for dinner, hungry souls can order up and then swing by and grab it. Call in an order at 850.951.2233. View the takeout menu here.