Thom Bachelder | Panhandle Real Estate Inc

Thom Bachelder, REALTOR®
(850) 866-5577

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Is the 50-Year Mortgage Worth It?

As housing affordability becomes increasingly challenging for average Americans, the fifty-year mortgage has emerged as a controversial topic of discussion. This extended loan structure offers significantly lower monthly payments, potentially allowing more buyers to qualify for homeownership, but it comes with the severe drawback of massive total interest costs and incredibly slow equity buildup, making it a double-edged sword for financial health.

01DEC

Sellers: Get Real. Buyers: Get Strategic. The Fragmented Housing Market

The U.S. housing market is shedding its “one-size-fits-all” narrative, moving into a nuanced, bifurcated stage. Price adjustments in historically overheated regions and persistent fierce competition in others reveal that success for both buyers and sellers hinges on granular regional analysis. This shift means sellers must set realistic expectations based on local dynamics, while savvy buyers can strategically seek out opportunities where price growth has stabilized or corrected, underscoring that the current market rewards local intelligence over national trends.

24NOV

The 2025 Buyer’s Secret Weapon: How to Secure a Sub-5% Mortgage Today

As we approach the final weeks of 2025, savvy home buyers are finding a way to bypass the stubborn affordability challenges of the resale market by targeting new construction inventory. Major home builders, under immense pressure to close their fiscal books before the year ends, are aggressively offering mortgage rate buydowns that can lower interest rates significantly below the current market average. This financial strategy allows buyers to secure move-in ready homes with monthly payments that are hundreds of dollars less than comparable existing properties, making it the definitive “secret weapon” for real estate acquisition this quarter.

Panama City, Bay County

Panama City is a city in Bay County, Florida. The city is located at 30°9’32”N and 85°39’37”W. According to the United States Census Bureau, the city’s population was 37,681. According to the last census, the median income for a household in the city was 37,890. Please visit the city page on my website and you’ll be able to see all real estate data and detailed Panama City statistics.

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https://real-estate-website.net/myre/images/images_city/FL/ChIJQWPGKlaBk4gR8wFHLNVeWL8/1_700.jpg
Panama City, Bay County
/buildings_panama_city_idChIJQWPGKlaBk4gR8wFHLNVeWL8
Panama City is a city in Bay County, Florida. The city is located at 30°9'32''N and 85°39'37''W. According to the United States Census Bureau, the city's population was 37,681. According to the last census, the median income for a household in the city was 37,890. Please visit the city page on my website and you'll be able to see all real estate data and detailed Panama City statistics.

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Thom Bachelder

Panhandle Real Estate Inc.

2617-A W 23rd St. Panama City, FL 32405

Email: thombachelder@gmail.com

Phone: (850) 866-5577

Thom Bachelder is a seasoned real estate Broker/Owner Panhandle Real Estate Inc. based in Panama City, Florida, with over 24 years of experience in the industry. He is affiliated with Panhandle Real Estate Inc., located at 2617 W 23rd St, Suite A, Panama City, FL 32405. Throughout his career, Thom has handled a diverse range of properties, with transaction values spanning from $19,500 to $3.75 million. His expertise encompasses assisting first-time homebuyers as well as seasoned investors, dealing with properties ranging from mobile homes to luxury estates. Clients have rated him highly, with an average rating of 4.6 out of 5 based on 18 reviews. For professional inquiries, Thom can be contacted via email at thombachelder@gmail.com or by phone at (850) 866-5577.