Partners

Real Estate is all about relationships.  It is important to find an agent you can trust.  That trust extends to all the businesses and people you will interact with during the course of your real estate transaction.

My trusted partners assist with financing home loans, writing insurance coverage, providing home inspections, offering home warranties and more.  These mortgage lenders, insurance companies and home warranty providers are just a few that are available. 

While the buyer and seller have the ultimate responsibility to decide who they want to work with, I am often asked who I recommend for different aspects of the transaction.  I have a few select business partners that have assisted previous clients and/or whom I consider worthy of my recommendations.  You may reach out to these folks or anyone else you choose.  If you know someone who should be on my list please let me know.

Affordable Home Insurance, Inc

Website:
Phone:
850.654.1567
Contact:
Ken Spraggins
Email:
ken@ahifl.com

Affordable Home Insurance (AHI) is one of the leading independent insurance firms in northwest Florida. AHI was founded in 2006 by Dennis P. Gagnon, Jr, with office locations in Miramar Beach and Panama City, FL. We are long-standing members of the community and have deep expertise in the unique risks that are prominent in our area. We are proud to offer competitive prices, complete coverage and quality customer service. Since opening our doors, we have continued to partner with leading insurance providers, delivering our clients access to better and more affordable insurance options. Our mission is protecting individuals, families and businesses by providing high quality insurance coverages.

In 2017, AHI partnered with Baldwin Risk Partners (BRP), an insurance distribution holding company. Our connection with BRP gives our clients the best of both worlds – a local business deeply connected to the community with the backing of a larger firm that has preferred relationships with the most reputable insurance providers. Under BRP, we have best-in-class resources, increased geographic representation and expanded lines of insurance to support all your coverage needs as your life and business evolve.

At AHI, we are committed to helping the community of northwest Florida thrive. That’s why in 2012, we started the Affordable Home Insurance Charities Foundation, which proudly sponsors local and national non-profit organizations. If you are interested in learning more, please visit http://www.ahicf.info/.


Carpenter Insurance

Website:
Phone:
850.939.7777
Contact:
Miranda Harvell
Email:
miranda@carpenterinsuranceinc.com

Carpenter Insurance is the Florida Panhandle’s premier full service insurance agency. We are locally owned and operated and staffed with your neighbors. We are independent and not tied to one insurance company so we can work for you, making sure you get the right coverage at the best possible price.

We work on your side when you have a claim and follow through to see that you get fair, prompt payment.

We represent dozens of insurance companies and will work with you to select the right coverage to meet your needs, then identify which companies we represent offer the best rates and highest discounts. We do the shopping for you and present you with the lowest quotes.

Our service doesn’t end when you purchase your policy, it is just beginning.


Element Funding

Website:
Phone:
850.533.6122
Contact:
Kati O'Brian
Email:
kobrian@elementfunding.com

Kati O’Brian was born and raised among the beautiful Emerald Coast of Fort Walton Beach, FL. After graduating from the University of South Florida, where she played Division 1 softball and obtained her Bachelors of Arts and Sciences, she returned home to be close to family and childhood friends.

She pursued her passion to help others by initiating a career in the medical field. After her first home buying experience she decided she wanted to help individuals and families achieve their goals of homeowning.

As a mother of two and a hard working citizen, Kati understands the importance of the phrase “home is where the heart is.” She has joined the Element Funding team as a mortgage loan originator and is dedicated to making the home buying experience as simple, yet memorable as possible.


Father and Son Landscape

Website:
Phone:
850.240.7935
Contact:
Buddy
Email:
office@fatherandsonlandscape.com

A lot of people ask me “Are you the father or are you the son? So what is the story behind the ‘father and son’ name anyway?”

Well, it all happened like this: Back in 2003 my son Buddy was 13 years old. We were homeschooling him as we had done with our 4 other children.

Buddy is very bright and intelligent but languished in book work. To accommodate this learning style I thought it would be a good idea to pass on to him the business knowledge I had gained over the past 15 years by building, running and then selling my own pest control business. At the same time I could incorporate math, science, history and other subjects into the days activities. Buddy was enthused about the idea and our business was born!

In January of 2009 Buddy decided to serve our country in the U.S. Army. He served for 6 years as an EOD technician and rejoined me in the summer of 2015 after completing his enlistment and we are once again a father and son team!

 


First International Title

Website:
Phone:
850.479.8038
Contact:
Teri Kitchen
Email:
teri.kitchen@firstintitle.com

Founded in 2009 during one of the slowest real estate markets in the past half century, First International Title has grown from a handful of offices to over 30 offices throughout the state, from Key West to Pensacola, including its company headquarters in Coral Springs, Florida. With more than 200 full-time employees on staff, the company provides cutting edge Title and Closing Services with local expertise and a personal touch, while supporting the local communities it serves. Closing services are offered in English, Spanish, German and French and the staff has extensive experience closing residential, refinance, reverse mortgage, short sale, REO, deed-in-lieu and commercial transactions. The company does not outsource or offshore any portion of its core title services and it employs its own searchers and examiners to ensure quick turn times and accuracy.


Home Warranty of America

Website:
Phone:
850 933-9818
Contact:
Heather McNamara
Email:
heather.mcnamara@hwahomewarranty.com

At Home Warranty of America, Inc. we have built our business on simplifying the lives of our customers and helping them immediately, in a time of great need and uncertainty. We strive to always offer our customers fast, easy solutions with our network of qualified service technicians. You are looking for good value for your money, and we believe we provide that value through protection against the high costs of home and appliance repair.

Whether you are planning to sell your home, buy a new one, or just staying in your home, we can save you money and time, and bring you peace of mind when you need it most.

Our comprehensive 13-Month Home Warranty Plans are a great value with easy, reliable solutions for unexpected problems. We offer several payment options as well. You can view our plans, pricing, and options here.

Don't forget to ask about our Eco-friendly and innovative GreenPlus option! It replaces covered items with Energy Star qualified products. We also care about the environment too. We've just made it easy and affordable.


Integrity Mortgage Group

Website:
Phone:
850.200.0962
Contact:
Jeremy Gates
Email:
jgates@integritymtgs.com

Integrity Mortgage Group offers wide range of lending programs, including first time home buyer/FHA loans as well as loans for well-established customers thinking about second homes, vacation homes, investment properties, rental units, and "fixer-uppers." We also have a variety of money-saving refinancing options. One of our specialties is the USDA loan, which can be set up as a no money down mortgage, dramatically easing the burden of up front, out-of-pocket expenses. Even if you're not sure if you would be approved for a new home, you need to contact us. Your new mortgage loan - and your new home - may be much closer to reality than you think.

Integrity Mortgage Group (IMG) is a growing mortgage banker with a focus on providing creative products to its customers. We put an emphasis on the concept of having a “customer for life”. IMG helps customers find the right solution for their mortgage lending needs. The borrower is our focus, first and foremost, as we provide a means for them to grow and prosper.


Northwest Florida Property Inspections

Website:
Phone:
850.375.5094
Contact:
Rob Furloni
Email:
rob@nwfinspections.com

After marriage and the birth of his sons, Rob felt called to serve at home. He returned to his family and channeled his childhood zeal into a career as a home inspector, helping others capture the excitement and joy of a new home.

The feeling is mutual for Rob – every day brings new opportunities and challenges. He’s learned the unique landscape of northwest Florida and the particular needs of its properties. Whether inspecting a condo or a luxury beach house, Rob relishes the chance to investigate and share his knowledge with home buyers. Every home is still a brand new adventure. An InterNACHI Certified Professional Inspector, or CPI, Rob takes pride in every inspection he conducts.

A triathlete, Rob loves to test his limits. He spends his days off bowhunting, fishing, and playing guitar. The bulk of his free time, however, belongs to his wife, Terri and his sons, Benjamin, Matthew, and Luke.

Give Rob Furloni a call today to schedule your property inspection!


One Source Inspection

Website:
Phone:
850.582.2555
Contact:
Joe Genovese
Email:
onesouorceinspection@outlook.com

• AHIT Certified Inspectors
• Same Day/Onsite Reports
• Digital Full Color Reports with detailed summaries
• FHA/VA Inspections
• Pool & Spa Inspections
• Prompt and Professional
• Active Member of NABOR
• Wind Mitigation Inspections
• Four Point Inspections


Prime Lending

Website:
Phone:
850 501-7983
Contact:
Shelia Billingham
Email:
shelia.billingham@primelending.com

Whether you're a first-time homebuyer or you’re well-versed in the process, buying or refinancing a home can be an exciting and rewarding experience with PrimeLending. We take the time to listen and we’ll work with you to find a home loan that fits your needs. Here are just some of the ways we make it simple.


Privacy Fence Builder

Phone:
850.776.9018
Contact:
Barry
Email:
privacyfencebuilders@yahoo.com

Rusty's Pest Control

Website:
Phone:
850.864.2847
Contact:
Rusty Johnson
Email:
rustyspest@embarqmail.com

More often than anything else, that's what you hear about Rusty Johnston, owner and operator of Rusty's Pest Control. Where did he get this reputation? Well, for starters, Rusty has been in the pest control business for more than 20 years, 10 of which were with his current company. Rusty has been driving unwanted tiny visitors away from homes for two decades in the Florida panhandle, so he has had the pleasure of meeting a lot of good people and getting rid of and preventing invasions of termites, roaches, ants, bed bugs, fleas, spiders and a variety of other intruders — even some furry ones. Rusty's Pest Control has more than 1000 established customers in northwest Florida. Over the years, Rusty has not only treated the homes and businesses of a huge number of customers, but he has gone on to serve the children of those customers once they have grown and moved on to their own homes. Indeed, Rusty's customers are like family to him, too. That means doing a professional and effective job, standing by his work, and offering reasonable prices and options for different budgets.

Rusty Johnston is a Certified Pest Control Operator and a member of the Florida Pest Management Association.


University Lending Group

Website:
Phone:
850 621-3269
Contact:
Stacy Wright
Email:
Swright@university-lending.com

Stacy has over 20 years of experience in the Mortgage Industry and has served the Gulf Coast for 16 years. She is well versed in all areas of the mortgage process and specializes in many products such as VA, FHA, Conventional, Condos, Rural Development, and First Time homebuyers. Customer Service is absolutely paramount to Stacy. She stays involved throughout the entire process and has been recognized by her business partners and customers as one of the top mortgage professionals in the business. In addition, Stacy has received numerous awards as top producer in mortgage lending year after year throughout her career.

Stacy is the proud wife of a USAF Veteran and is honored to be a part of a military community. Stacy and her husband, Damon, have three beautiful children. Together they have been volunteering, coaching, and mentoring youth at the Navarre Youth Sports Association since 2004. Stacy is also a member of the Navarre Area Board of Realtors and the Navarre Beach Area Chamber of Commerce Military Affairs Council. Stacy and family attend church locally and their hobbies include sports, running, golf, community service and enjoying the beautiful Florida beaches.