Keys and Lending Blog

Realtor and Lender Team in Pensacola: How It Speeds Closing

Wed, 21 Oct 2026 06:30:00 -0500

A realtor and lender team in Pensacola can shorten your path to closing by keeping offers, financing, and deadlines in sync. Many financed purchases close in about 30 to 45 days after the contract is signed. When your agent and loan officer share information from day one, fewer things slip, and sellers take your offer more seriously.

We’re Angee Kent, REALTOR®, LPT Realty and Jay Spurlin with Coastal Funding Corporation (NMLS 183681). Teaming up is the whole idea behind Keys and Lending. Here’s what that looks like, step by step, for buyers in Pensacola, Gulf Breeze, and Navarre.

Pensacola Beach Leasehold Homes: What Buyers Need to Know

Wed, 21 Oct 2026 06:20:00 -0500

When you buy a home on Pensacola Beach, you buy a leasehold, not the land. The land belongs to Escambia County and is leased through the Santa Rosa Island Authority (SRIA), usually in terms of up to 99 years. You own the home or condo and the remaining lease term, and you can usually finance, sell, and pass it on much like any other home.

We’re Angee Kent, REALTOR®, LPT Realty and Jay Spurlin (Coastal Funding Corporation, NMLS 183681). Leaseholds confuse a lot of buyers, so here’s our plain-English guide from both the real estate side and the mortgage side.

Navarre FL Homes: Buyer's Guide to Prices, Loans & Beaches

Wed, 21 Oct 2026 06:10:00 -0500

Navarre, FL homes sold for a median of about $421,000 in September 2026, and with roughly 5.8 months of supply, buyers have more room to negotiate than they’ve had in a while. Whether you want a full-time family home on the mainland, a beach getaway, or a vacation rental, Navarre offers options at prices often below nearby beach towns.

We’re Angee Kent, REALTOR®, LPT Realty and Jay Spurlin (Coastal Funding Corporation, NMLS 183681). Here’s our team’s take on Navarre prices, loan choices, and the small-town beach life that keeps people coming back.

Buying a Home in Gulf Breeze, FL: 2026 Local Buyer's Guide

Wed, 21 Oct 2026 06:00:00 -0500

Buying a home in Gulf Breeze, FL means choosing between two very different price points. In September 2026, the median sale price was about $385,000 in ZIP 32563 (the Midway side) and $772,500 in ZIP 32561 (Gulf Breeze proper and Pensacola Beach), based on Pensacola MLS data. Your ZIP code, loan type, and insurance plan matter as much as the house.

We’re Angee Kent, REALTOR®, LPT Realty and Jay Spurlin with Coastal Funding Corporation (NMLS 183681). We teamed up to make buying in the Pensacola area smoother: one side finds and negotiates the home, the other lines up the right financing, and we talk to each other the whole way.

Welcome to the Keys and Lending Blog

Sun, 18 Oct 2026 00:00:00 +0000

Welcome to the Keys and Lending blog. Here we’ll share mortgage tips, loan program guides and local market insights for Pensacola, Gulf Breeze & Navarre.

Questions? Visit www.keysandlending.com. Keys and Lending is a collaboration between Angee Kent, REALTOR®, LPT Realty, and Jay Spurlin with Coastal Funding Corporation.

Coastal Funding Corporation · NMLS 103035 · Jay Spurlin NMLS 183681 · Equal Housing Opportunity · This is not a commitment to lend.