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Read What People Are Saying About Us

We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us...

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"The execution of your marketing plan was flawless as evidenced by the number of appointments to show our home"

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"Your service was exemplary."

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"If you ever need a reference, I will always talk to any potential client and refer you." unconditionally. You are "Value Added"!

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Sandy and Ray are energetic, responsive and professional - Clone Sandy and Ray!"

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"Thoroughly prepared, knowledgable about communities - saved us money and time."

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School Reports in Destin, The Emerald Coast and Niceville, Florida

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Schools in Destin, The Emerald Coast and Niceville

Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Q	What private residence is considered the most expensive house ever built?
A	The William Randolph Hearst Ranch in San Simeon, California cost over $30 million, equivalent today to $276,883,320. Bill Gates recently built a home for over $40 million.
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Sandy and Ray DiTirro, REALTOR®, real estate agents and broker for Destin, The Emerald Coast and Niceville Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandy and Ray DiTirro
RE/MAX Southern Realty
34894 Emerald Coast Parkway
Destin, FL 32541
Toll free: 866-211-1662
Sandy Direct: 850-897-5836
Ray Direct: 850-897-5839
Fax: 877-283-5858
Email: SandyandRay@TheSeaShores.com
Sandy and Ray have over 30 years combined successful real estate experience. We hold multiple licenses in various states. As well, we have real estate designations including Certified Luxury Home Marketing Specialist (CLHMS), Resort and Second Home Property Specialist (RSPS), Seniors Real Estate Specialist (SRES), Certified Residential Specialist (CRS) and CCIM Commercial Candidate. We have extensive home construction experience which is a valuable service during the buying and selling process We invest time and effort in continuing education to give our clients the most knowledgeable service for your real estate needs. Sandy and Ray are hardworking, knowledgeable, informed and concerned. With Sandy and Ray you get two agents for the price of one.

Sandy and Ray DiTirro

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NUMBER1EXPERTS™ in real estate for Destin, The Emerald Coast and Niceville, Florida

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