Affordable Home Insurance (AHI) is one of the leading independent insurance firms in northwest Florida. AHI was founded in 2006 by Dennis P. Gagnon, Jr, with office locations in Miramar Beach and Panama City, FL. We are long-standing members of the community and have deep expertise in the unique risks that are prominent in our area. We are proud to offer competitive prices, complete coverage and quality customer service. Since opening our doors, we have continued to partner with leading insurance providers, delivering our clients access to better and more affordable insurance options. Our mission is protecting individuals, families and businesses by providing high quality insurance coverages.

In 2017, AHI partnered with Baldwin Risk Partners (BRP), an insurance distribution holding company. Our connection with BRP gives our clients the best of both worlds – a local business deeply connected to the community with the backing of a larger firm that has preferred relationships with the most reputable insurance providers. Under BRP, we have best-in-class resources, increased geographic representation and expanded lines of insurance to support all your coverage needs as your life and business evolve.

At AHI, we are committed to helping the community of northwest Florida thrive. That’s why in 2012, we started the Affordable Home Insurance Charities Foundation, which proudly sponsors local and national non-profit organizations. If you are interested in learning more, please visit http://www.ahicf.info/.

Carpenter Insurance is the Florida Panhandle’s premier full service insurance agency. We are locally owned and operated and staffed with your neighbors. We are independent and not tied to one insurance company so we can work for you, making sure you get the right coverage at the best possible price.

We work on your side when you have a claim and follow through to see that you get fair, prompt payment.

We represent dozens of insurance companies and will work with you to select the right coverage to meet your needs, then identify which companies we represent offer the best rates and highest discounts. We do the shopping for you and present you with the lowest quotes.

Our service doesn’t end when you purchase your policy, it is just beginning.

A lot of people ask me “Are you the father or are you the son? So what is the story behind the ‘father and son’ name anyway?”

Well, it all happened like this: Back in 2003 my son Buddy was 13 years old. We were homeschooling him as we had done with our 4 other children.

Buddy is very bright and intelligent but languished in book work. To accommodate this learning style I thought it would be a good idea to pass on to him the business knowledge I had gained over the past 15 years by building, running and then selling my own pest control business. At the same time I could incorporate math, science, history and other subjects into the days activities. Buddy was enthused about the idea and our business was born!

In January of 2009 Buddy decided to serve our country in the U.S. Army. He served for 6 years as an EOD technician and rejoined me in the summer of 2015 after completing his enlistment and we are once again a father and son team!

Royce grew up in a local real estate family and has been in the business since he was little.  After graduating from Flagler College in 2005, Royce moved home to Pensacola to begin his mortgage career.  He believes that outstanding customer service is paramount, as well as closing loans on time. 

Interest rates and fees:  Royce’s interest rates are very competitive; he works with 50 different lenders, which will give you many options to find the best loan programs and interest rates.  He also offers a complimentary upfront pre-qualification that only takes a few minutes.  

Your Choice of Loan Products (for condos, single family homes & townhomes):  Conventional loans for primary homes, 2nd / Vacation homes & Investment properties; Refinances for rate/term & cash-out; Government loans: FHA, VA, & USDA (Rural Development);  Jumbo loans; Condos - warrantable, non-warrantable, and condotels; Specialty investor loans:  DSCR, 1099 loans, and Profit & Loss statement loans; First-time Homebuyers - down payment / closing costs assistance; HELOC; One-time close Construction loans; Land / lot loans; 5 - 8 unit buildings; LLC loans; Non-QM / Alternative loan products;  

Give Royce a call and he'll let you know how much you qualify for, and also estimate your monthly mortgage payment and closing costs.   For questions, call or text 850.261.3942, email Royce.Ingram@HomeTrustLoans.com, or apply online at RoyceIngramLoans.com. 

At Home Warranty of America, Inc. we have built our business on simplifying the lives of our customers and helping them immediately, in a time of great need and uncertainty. We strive to always offer our customers fast, easy solutions with our network of qualified service technicians. You are looking for good value for your money, and we believe we provide that value through protection against the high costs of home and appliance repair.

Whether you are planning to sell your home, buy a new one, or just staying in your home, we can save you money and time, and bring you peace of mind when you need it most.

Our comprehensive 13-Month Home Warranty Plans are a great value with easy, reliable solutions for unexpected problems. We offer several payment options as well. You can view our plans, pricing, and options here.

Don't forget to ask about our Eco-friendly and innovative GreenPlus option! It replaces covered items with Energy Star qualified products. We also care about the environment too. We've just made it easy and affordable.

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. When working with me and New American Funding you'll receive:

• Professional advice and support in making your home financing decisions
• A full spectrum of loan products from which to choose
• Consistent communication and follow up throughout the loan process from me and New American Funding's in-house operations team
• Industry leading close times

Please give me a call today for answers to any of your home financing questions.
I would be more than happy to offer my professional advice. 

After marriage and the birth of his sons, Rob felt called to serve at home. He returned to his family and channeled his childhood zeal into a career as a home inspector, helping others capture the excitement and joy of a new home.

The feeling is mutual for Rob – every day brings new opportunities and challenges. He’s learned the unique landscape of northwest Florida and the particular needs of its properties. Whether inspecting a condo or a luxury beach house, Rob relishes the chance to investigate and share his knowledge with home buyers. Every home is still a brand new adventure. An InterNACHI Certified Professional Inspector, or CPI, Rob takes pride in every inspection he conducts.

A triathlete, Rob loves to test his limits. He spends his days off bowhunting, fishing, and playing guitar. The bulk of his free time, however, belongs to his wife, Terri and his sons, Benjamin, Matthew, and Luke.

Give Rob Furloni a call today to schedule your property inspection!

• AHIT Certified Inspectors
• Same Day/Onsite Reports
• Digital Full Color Reports with detailed summaries
• FHA/VA Inspections
• Pool & Spa Inspections
• Prompt and Professional
• Active Member of NABOR
• Wind Mitigation Inspections
• Four Point Inspections

Stacy has over 20 years of experience in the Mortgage Industry and has served the Gulf Coast for 16 years. She is well versed in all areas of the mortgage process and specializes in many products such as VA, FHA, Conventional, Condos, Rural Development, and First Time homebuyers. Customer Service is absolutely paramount to Stacy. She stays involved throughout the entire process and has been recognized by her business partners and customers as one of the top mortgage professionals in the business. In addition, Stacy has received numerous awards as top producer in mortgage lending year after year throughout her career.

Stacy is the proud wife of a USAF Veteran and is honored to be a part of a military community. Stacy and her husband, Damon, have three beautiful children. Together they have been volunteering, coaching, and mentoring youth at the Navarre Youth Sports Association since 2004. Stacy is also a member of the Navarre Area Board of Realtors and the Navarre Beach Area Chamber of Commerce Military Affairs Council. Stacy and family attend church locally and their hobbies include sports, running, golf, community service and enjoying the beautiful Florida beaches.