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Joseph M. Bragg

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Cell: (850) 982-5779

Fax: (850) 665-3517

Office: (850) 435-7300



Your "Pensacola Realtor" currently showing in Abernathy, Hawthorne Grove and Huntington Creek

Welcome to my Pensacola Realtor website, please feel free to use this website for all your Real Estate needs. My name is Joe Bragg and I’m the owner/broker of Sunstate Realty of Greater Pensacola FL LLC. After 23 years in the Navy I know the concerns that come up with relocating. With all the challenges moving brings and pressure to get done right the first time, here at Sunstate Realty our goal is to make your move as smooth as possible each and every time. If it’s new construction you looking for I work with a number of quality Home builders. I can help you find the perfect lot as well as selecting the floor plan to fit your budget and needs. If you are looking to buy a home in Pensacola or sell a home in Pensacola area, as a member of the Pensacola Board of Realtors I work with over 1700 realtors locally. Through the Pensacola MLS I have access to every home on the market including short sales and foreclosures in the Pensacola and surrounding market. Whether you are looking to move across town or across the country, looking for Pensacola investment property, short sales or foreclosures or are a first time homebuyer I can help.  I have a team of professionals I work closely with that includes mortgage specialists, appraisers, home inspectors, attorneys and closing agents.  


Pace, Florida

Huntington Creek

Pensacola, Florida

Featured Listings

8793 Blake Evan Circle

Pensacola Florida 32526

Hawthorne Grove


5374 South Lake Drive

Pace Florida 32571

SouthLake at Stonebrook


5992 Huntington Creek Blvd

Pensacola FL 32526

Huntington Creek

Hawthorn Grove

Pensacola, Florida

Local Communities

5920 Huntington Creek Blvd

Pensacola FL 32526

Huntington Creek


What “Fees” should a Home buyer expect when Purchasing a Home? 


It is very exciting to purchase a new home but that excitement can fade a bit if the home buyer is not aware of fees or costs associated with buying a new home. As with everything we purchase there are typically “hidden fees” added to the when purchasing a home. Here are some fees and costs that may creep up on you in the home buying process:


   Loan Origination Fee:  Usually 1% of the loan amount. Goes to the lender for preparing the loan.

   Points:  Each point is equal to 1% of the loan amount. Points buy down the interest rate typically by 0.25% per point. They are tax-deductible.

   Application Fee:  Goes to the lender or the broker to check credit and process the initial loan application.

   Attorney Fee:  Goes to the attorney representing the buyer at closing.

   Appraisal Fee:  Goes to the appraiser who determines the value of the property.

   Title Search an Examination Fee:  Pays for the lender to research the property’s title to find out if there are liens and who the rightful owner of the property is.

   Mortgage Broker Fee:  Paid to the broker for finding and arranging the loan on your behalf. Can be up to 5% of the loan amount but is usually much less. Should be negotiated prior to service.


   Home Inspection Costs:  Before you close on a house, your mortgage insurer may require a home inspection, which can run several hundred dollars. But even if an inspection is not required, it’s worth paying a professional to evaluate the house so you can avoid spending hundreds of thousands on a train wreck disguised as a house.

   Pest Inspection Fee: Florida is known for its diversity of bugs, best to make sure they are not feasting on your new home.

   Survey costs:  Your lender may want you to have a professional survey of the property, so everyone knows exactly where your land’s boundaries are.  Surveys can add several hundred dollars to the equation.

   Taxes:  You probably know you are going to be paying taxes but it can be easy to forget that you will likely need to prepay those taxes at closing.


As you can see these costs add up. Typically, home buyers will pay anywhere between 2 to 5 percent of the purchase price of their home in closing fees. By law, lenders are required to provide buyers with a good faith estimate within three days of loan application. In an effort to take some weight off of these closing costs, buyers may want to consider negotiating with the seller to assume some or all of the buyers closing costs. What you do not see on this list of buyer costs is Realtor fees. In most cases, commissions paid to the agent listing the home and to the Realtor that brings a buyer to the table are included in the sellers closing costs.

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