Pensacola Lending Blog

First-Time Home Buyer Pensacola: Loans & Down Payment Help

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

Buying your first home in Pensacola is more doable than many renters think. Qualified buyers can put as little as 3% down with a conventional loan, 3.5% down with FHA, or $0 down with VA or USDA. Down payment assistance is out there too: Coastal Funding offers down payment assistance options through several of its lender partners, and Escambia County and the Escambia County Housing Finance Authority run their own public programs.

Buying a Home in Pensacola After Hurricane Isaias: Guide

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

Yes, you can still buy a home in Pensacola after Hurricane Isaias, but plan for a few extra steps. Expect a re-inspection, an updated appraisal or property condition check, and questions from insurers before they’ll write a new policy. With the right team and a little extra time, buyers are still closing on homes across Escambia and Santa Rosa counties.

Our thoughts are with every neighbor still cleaning up. Here’s a calm, practical guide for anyone buying or selling a home this fall.

VA Loan Pensacola Guide for NAS Pensacola Military Families

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

A VA loan is often the best way for Pensacola military families to buy a home. Eligible veterans and service members can buy with $0 down, pay no monthly mortgage insurance, and, with full entitlement, face no VA loan limit. With NAS Pensacola, Corry Station, and Saufley Field nearby, VA buyers are a big part of our local market.

Here’s how the VA loan works in 2026, what it costs, and how to time a PCS move to Pensacola.

Pensacola Housing Market Fall 2026: Prices, Rates & Trends

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

The Pensacola housing market in fall 2026 is close to balanced. The Pensacola Association of REALTORS® (PAR) reported a $319,900 median sale price for September 2026, slightly below a year earlier, while sales rose and pending contracts dipped. With 30-year mortgage rates near 7.4%, buyers have more negotiating room than they’ve had in years, but payments are higher.

Below we break down the newest numbers, what Hurricane Isaias means for the market, and how to plan your move. We’ll also share a few fun facts about the city we call home.

Welcome to the Pensacola Lending Blog

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

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

Questions? Call (850) 725-6500 or visit www.pensacolalending.com. NMLS 103035.