

Here's What You Need to Know About Buying a Home in The PENSACOLA Area...
If you're either thinking about purchasing a new home or already made the decision to purchase a house, but you still have questions or concerns regarding the process, price or anything else - let me tell you:
You're in the right place.
This free home buyer seminar is giving you the exact step by step blueprint on everything you need so you can get clarity on everything A-Z and guide to you make the best decision in purchasing your new home.
You will learn about timelines and timing, inspections, loan pre-approvals, negotiations, and so much more.
Take a look around and let us know how we can help you.

Vivian Corwin| Realtor
On The Gulf Realty
SL-3406257










Enjoy the latest & most up-to-date marketing & sales tactics to help you purchase a NEW home.
Home Buying Process First Step
The first step when looking to buy a home is getting qualified for a loan.
Before doing anything else you need to know what you can afford by getting qualified for a loan
Don’t go house hunting before going mortgage shopping
Thinking About Buying?
Are you thinking about buying a home but you don't know where to start?
Learn to take advantage of Tax Saving opportunities instead of throwing your money away
Walk through the important aspects of purchasing a home

What to Expect When Buying a Home
Purchasing a home is most likely going to be one of the largest investments you will make in your lifetime.
We have helped hundreds of clients in the past and we can help you too
My team and I are free! The seller pays for our fees and they have an agent who has their best interest at heart. We are here to have yours
10 Must Not’s When Buying a Home
Once you find your dream home, we need to make sure you get to move into it.
Don’t change jobs; becoming self employed or quit current job
Don’t buy a vehicles.
Don’t use any charged cards or let your accounts fall behind.
Don’t spend money you saved for closing.
Don’t omit any debt or liabilities from your loan application.
Pre-Approval vs
Pre-Qualification
Why you need an approval rather than just a pre-qualification.
Pre-Qualification is not a true approval but the initial step in a home loan process where you discuss your financial situation with a loan officer - nothing is verified
Pre- Approval is where the buyer provides the lender with the necessary documents to tell them what they are approved for, which loan option is the best for them and what the interest rate will be

What are the Pros and Cons of Purchasing a Home?
Whether you’ve never owned a home before or it’s been a while since you’ve purchased, let's talk about the pros and cons.
Pro: Your wealth can increase as you build equity in your home through 2023 averaging about 3%
Con: Maintenance costs; work and money to keep a home in good condition
How Much Money Do I Need To Purchase a New Home?
Most people are afraid that it will cost them thousands and thousands of dollars to purchase a home in Brentwood.
There are various loans and grants to qualify to purchase a home
3 Tips To Get Your Offer Accepted
Are you competing with other buyers on your dream home or do you want to make sure you’ve got the best chance of getting your offer accepted?
Make sure you offered a competitive price on a home
Put down a larger earnest money deposit
Let the seller know that you have not written offers on any other properties

Offer Has Been Accepted, What’s Next?
Once your offer has been accepted, it's time to open up escrow.
It's time to get inspections done on the home, review disclosures, secure the loan, and get the appraisal done
Vivian is a bilingual real estate agent and devoted mother of three. With a heart full of enthusiasm for helping others realize their real estate goals, Vivian specializes in assisting veterans and first-time home buyers with a seamless and stress-free process.
Vivian's expertise in the local real estate market, along with her extensive network and negotiation skills, have resulted in successful deals and satisfied clients. Her bilingual abilities in English and Spanish enable effective communication with a diverse range of clients.
Beyond her professional endeavors, Vivian finds joy in maintaining an active lifestyle and prioritizes her fitness. She believes in building long-term relationships with her clients and strives to provide personalized, knowledgeable service tailored to theineeds.
In every step of the real estate process, Vivian's goal is to make the experience seamless and stress-free. Her multilingual skills, family-centered approach, and extensive knowledge of the local market make her a trusted guide for families and individuals alike, whether they are embarking on heir first home-buying journey or seeking their dream home in the beautiful Pensacola area.
Learn how to purchase your home, with less stress and less money out of pocket!
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WELCOME TO THE VIRTUAL HOME BUYER SEMINAR LIBRARY
Enjoy the latest & most up-to-date marketing & sales tactics to help you purchase a NEW home.
Thinking About Buying?
Are you thinking about buying a home but you don't know where to start?
Learn to take advantage of Tax Saving opportunities instead of throwing your money away
Walk through the important aspects of purchasing a home
What to Expect When Buying a Home
Purchasing a home is most likely going to be one of the largest investments you will make in your lifetime.
We have helped hundreds of clients in the past and we can help you too
My team and I are free! The seller pays for our fees and they have an agent who has their best interest at heart. We are here to have yours
Home Buying Process -
First Step
The first step when looking to buy a home is getting qualified for a loan.
Before doing anything else you need to know what you can afford by getting qualified for a loan
Don’t go house hunting before going mortgage shopping
Pre-Approval vs
Pre-Qualification
Why you need an approval rather than just a pre-qualification.
Pre-Qualification is not a true approval but the initial step in a home loan process where you discuss your financial situation with a loan officer - nothing is verified
Pre- Approval is where the buyer provides the lender with the necessary documents to tell them what they are approved for, which loan option is the best for them and what the interest rate will be
10 Must Not’s When Buying a Home
Once you find your dream home, we need to make sure you get to move into it.
Don’t change jobs; becoming self employed or quit current job
Don’t buy a vehicles
Don’t use any charged cards or let your accounts fall behind
Don’t spend money you saved for closing
Don’t omit any debt or liabilities from your loan application
What are the Pros and Cons of Purchasing a Home?
Whether you’ve never owned a home before or it’s been a while since you’ve purchased, let's talk about the pros and cons.
Pro: Your wealth can increase as you build equity in your home through 2023 averaging about 3%
Con: Maintenance costs; work and money to keep a home in good condition
How Much Money Do I Need To Purchase a New Home?
Most people are afraid that it will cost them thousands and thousands of dollars to purchase a home in Brentwood.
There are various loans and grants to qualify to purchase a home
3 Tips To Get Your Offer Accepted
Are you competing with other buyers on your dream home or do you want to make sure you’ve got the best chance of getting your offer accepted?
Make sure you offered a competitive price on a home
Put down a larger earnest money deposit
Let the seller know that you have not written offers on any other properties
Offer Has Been Accepted, What’s Next?
Once your offer has been accepted, it's time to open up escrow.
It's time to get inspections done on the home, review disclosures, secure the loan, and get the appraisal done
WANT TO GET A FREE CUSTOM MARKET PROPOSAL?
Go to the next page to request a custom market proposal for your specific home
Community Videos
MEET THE TEAM
Here's your team that will help you throughout the
entire selling & buying process


Krista Mashore | Realtor & Broker
DRE # 01346304


Jaynlin Miller | Marketing and Seller Specialist
DRE #02195224


Josh Vitale | Listing Specialist
DRE #02009638


Heidi Kugl
Buyer’s Specialist
DRE #01329047
Krista Mashore is the CEO of two multimillion-dollar companies. As one of the Top 1% of REALTORS® nationwide, Krista has sold over 2,300 homes since entering the field in 2001. She is known as the Digital Marketing Queen and Yahoo Finances #1 Digital Marketer to watch out for in 2021.
As the Broker/Owner of The Mashore Group and CEO of Krista Mashore Coaching, she has put together an unbeatable team whose primary focus and goal are happy clients with highly successful outcomes.
Author of six best-selling books, Krista now coaches and trains agents and professionals to become experts in the digital marketing space. She has currently made 25+ million utilizing her proven strategies in one business alone. Krista’s ultimate goal is to help clients, and her community in any way she can. She lives with her family in Contra Costa County in Northern California. One of her favorite pastimes is coaching teens in her community through her movement, Teens Lifting Lives.
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41 Sand Creek Rd C, Brentwood
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Before buying a home in Pensacola, buyers should ask about total monthly costs, flood zones, insurance, property condition, and long-term resale potential—not just the listing price.
Vivian Corwin is a real estate agent in Pensacola, Florida helping buyers and sellers navigate the market with confidence. She helps buyers in Pensacola, Gulf Breeze, Pace, and Milton ask the right questions before making one of the biggest financial decisions of their lives.

Buyers should ask about:
Property taxes
Homeowners insurance
Flood insurance
HOA fees
Estimated monthly payment
Why it matters:
In Pensacola, insurance and flood zone costs can significantly affect affordability.

This is especially important in coastal areas.
Flood zones can affect:
Insurance requirements
Monthly costs
Future resale value
Simple insight: A lower-priced home may cost more monthly if insurance is higher.

Ask about:
Roof age
HVAC condition
Plumbing and electrical systems
Signs of water damage
Why it matters:
Florida weather and humidity can create maintenance issues buyers may not notice immediately.
This can reveal useful information.
A longer market time may mean:
Overpricing
Condition concerns
Lower buyer demand
What to do:
Compare the home to similar listings nearby.
Buyers should think about:
Commute times
Schools
Access to NAS Pensacola
Nearby shopping and amenities
Why it matters:
The right location impacts both daily life and future resale value.
Example:
A buyer originally focused only on home size but later prioritized location and lower insurance costs in Pace over a coastal property.
Vivian Corwin is a real estate agent in Pensacola, Florida helping buyers and sellers navigate the market with confidence, helping buyers look beyond the home itself and focus on long-term value.
Focusing only on the listing price
Ignoring insurance and flood zones
Skipping inspections
Not researching neighborhoods
Overlooking commute and lifestyle factors
Q1: What is the most important question to ask?
A: Ask about the total monthly cost, including insurance and taxes.
Q2: Should buyers ask about flood zones?
A: Yes, especially in Pensacola and Gulf Breeze.
Q3: Why does market time matter?
A: It may reveal pricing or condition concerns.
Q4: Are inspections important in Pensacola?
A: Absolutely, especially due to Florida weather and humidity.
Ask about total monthly costs
Flood zones affect affordability
Home condition matters long term
Location impacts lifestyle and resale value
Comparing homes carefully helps avoid mistakes
If you’re preparing to buy a home and want guidance through the process, Vivian Corwin is a real estate agent in Pensacola, Florida helping buyers and sellers navigate the market with confidence. She helps buyers ask the right questions and make informed decisions in Pensacola, Gulf Breeze, Pace, and Milton.

"Our first ever home sale. Krista and her team made the experience so smooth. From our first meeting to the last it was all about us and how they made it an enjoyable experience. They were all unbelievably attentive and responsive to our needs.
"My father in law passed and we needed to sell his house. We met with three different agents and we quickly decided to go with Krista. Krista and her team are very knowledgeable, energetic and at the top of their game. Everything was spot on."
"Krista and her team were excellent. We bought a home while on vacation. We relied on her staff to not only view the house but she positioned us so well, that we followed her advice and we got the house for the price we wanted. Thank you!


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