To begin your search Contact Kathy at:
Phone: (850) 729-2098 or (850) 830-9928 ( C )

call for Results 
  • Last 2 years tax returns and or pay stubs
  • Last 2 months bank statements, Verification of Deposit (VOD), or other acceptable asset reserves
  • If self-employed you’ll need a CPA letter and/or business license stating 2 years in the same job or field.
  • If you are employed, your lender will call your employer and do a verification of employment
  • If you will be receiving down payment assistance, you’ll need to provide a Gift letter
  • If you currently rent, you will need your rental history which is typically 12 months of cancelled rent checks

The processes are interconnected with your goals and financial abilities.  Many of these processes overlap.  While you are in the process of obtaining a loan we will talk about what your needs and wants are and start looking for your new home. 

Even before starting the process of purchasing a home, many people search the web before contacting a Realtor.  I have a great tool for that!  Visit my web site at The site is secured and you can search the public site of the MLS.  It is both desktop and mobile friendly! This way you can send me listings which you are interested in and want to see.  Don’t hesitate to give me a call or text!

Once you’ve found your home we make an offer and negotiate the contract.  Once under contract to purchase the home, I’ll assist you by contacting companies which offer home inspections; home owners Insurance, termite inspections (very important in Florida); and any other inspection we need to do to ensure the property is ready and meets the contract requirements.

Once you are ready to start the process, or have any questions, just give me a call, text, or send an email.

I look forward to meeting you and your family!

Please Contact J&J REALTY@BLUEWATERBAY, INC. for an initial consultation


J&J Realty@Bluewaterbay, Inc.
 4400 Hwy 20, Suite 314 - Niceville, FL 32578
C: (850) 830-9928


The most important steps in purchasing a home is knowing how much home you can afford and what type of loan is best to meet your financial needs such as a conventional, FHA or VA loan.

As your Realtor I will contact local lenders to find the best lender(s) which will meet your needs; provide the best interest rate; the lowest fees; and a smooth and professional experience.  Not all lenders are created equal and many do not charge the same fees or offer the same interest rates.

Once you have decided which lender you want to use, they will Pre-qualify you.  To do this, they will pull your credit report and obtain your credit score.  Now we know what price range to concentrate on.  In addition, being Pre-Qualified, puts you in control by knowing your limits when negotiating a contract and Sellers see you as a serious Buyer!

Now that you’re Pre-Qualified the next step is to start the loan process.  You will be required to fill out a loan application form and sign a set of disclosures in order to initiate the mortgage process.  The lender will ask you to provide many required financial documents.  It’s imperative you provide the lender all documents as quickly as possible.  Due to Federal time constraints failing to do so can delay the closing.

If you are packing up and moving make sure you have in your possession the following documents.  These are the major documents the lender may ask for.  However, they may ask for additional documents depending on your particular situation.