Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate"

10/31/2025

What's your favorite Halloween movie or scary movie?

10/27/2025

10/13/2025

Happy Columbus Day Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate"

09/19/2025

Looking for an investment opportunities near Panama City Beach florida contact Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate" cell 850-832-9716

Panama city beach Florida 🤩

09/17/2025

UPDATE: As of 5:29 p.m., the size of the fire is roughly 50 acres, according to the Florida Forest Service Fire Response Website, which you can find here. BAY COUNTY, Fla. (WMBB) – A fire has…

09/15/2025

Apply For Certificate Of Eligibility | Veterans Affairs https://share.google/N8ZO69qDqhsa4vdvL

Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate" is a dedicated Realtor® serving Bay County and the greater Northwest Florida region with professionalism, heart, and local expertise. Licensed in real estate since 2022, she brings both experience and a personal touch to every transaction. She also holds an active Florida Notary License (valid through November 2026) and proudly serves as a volunteer with the American Red Cross Disaster Action Team, reflecting her strong commitment to service and community.

With a passion for helping families find their place along Florida’s beautiful Gulf Coast, Michelle guides clients through every step of the buying and selling process with care and attention to detail. Whether working with military families relocating to Tyndall Air Force Base, first-time homebuyers, or seasoned investors, she combines her knowledge of the local market with a dedication to exceptional service. Her goal is simple: to make each transaction as smooth and stress-free as possible while delivering results that exceed expectations.

Michelle understands that real estate is about more than property—it’s about people, families, and futures. Her approachable nature, strong communication, and genuine desire to help others set her apart as a trusted advisor in the community.

When she’s not helping clients achieve their real estate dreams, Michelle enjoys volunteering, spending time with her family, and embracing the coastal lifestyle of Northwest Florida.

✨ Your home journey matters—and with Michelle, you’re never just a transaction, you’re family.

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09/11/2025

Bay County Real Estate https://share.google/2QN4AB9sbTT55deEb
Looking to Buy or Sell better get ahold of Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate"

09/01/2025

Have you served your country and looking for a place to live to call your own you may qualify for a VA loan. Contact Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate" for more details at 850-832-9716

Learn about VA home loan eligibility requirements for a VA direct loan (Native American Direct Loan) or a VA-backed loan. Find out how to request a Certificate of Eligibility (COE) to show your lender that you qualify based on your service history and duty status. To get financing for a VA-backed ho...

08/18/2025

FHA Loan Limits in Florida! Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate" cell 850-832-9716

FHA Loan Limits for Florida in 2025 https://lnkd.in/e7sHX4uX For more information about the real estate process please contact Michelle Hartog of Panama City Florida Real Estate Virga Realty cell 850-832-9716

08/18/2025

FHA loans
Insured by the Federal Housing Administration: The government backs FHA loans, making them less risky for lenders.
Lower down payment requirements: You may qualify with a down payment as low as 3.5% with a credit score of 580 or higher, or 10% with a score between 500 and 579.
More flexible credit score requirements: FHA loans generally have lower credit score thresholds for qualification compared to conventional loans.
Mortgage Insurance Premiums (MIP): FHA loans require both an upfront MIP and annual MIP payments, which may last for the life of the loan or for 11 years with a down payment of 10% or more.
Loan limits: There are maximum loan limits set by the FHA that vary by location, for example, in Panama City, FL in 2025, the FHA loan limit for a single-family home is $356,362.
For Bay County Florida Michelle Hartog of Virga Realty, Inc. "Your Friend in Real Estate" cell 850-832-9716 information check out 2025 max FHA loan in Panama-City, Bay Florida

2025 limits for FHA (government loans) in Panama-City, Bay County, FL is $356,362 for Single family resident, Dupex, Triplex and quadruplex