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Tag: #gulfbreezeflmortgage

How Home Equity Can Help Fuel Your Retirement

If retirement is on the horizon, now’s the time to start thinking about your next chapter. And you probably want to make sure you’re set up to feel comfortable financially to live the life you want in retirement.What you may not realize is you likely have a hidden goldmine of cash you’re not thinking about — and that’s your home. Data from the Federal Housing Finance Agency (FHFA) shows that home values have gone up nearly 60% over the last 5 years alone (see graph below):And that appreciation gave your net worth a big boost. According to Freddie Mac, over the same five-year period:“...

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Florida Mortgage | What Homebuyers Need To Know About Credit Scores

What Homebuyers Need To Know About Credit Scores Most prospective homebuyers don’t know the minimum credit score lenders require or that it varies by lender and loan type. If you want to explore your options to see what’s out there, connect with us. NMLS ID 1834853 | #homebuying #mortgageexperts #creditscore #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips #mortgageexperts

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3 Reasons To Buy a Home Before Spring

Let’s face it — buying a home can feel like a challenge with today’s mortgage rates. You might even be thinking, “Should I just wait until spring when more homes hit the market and rates might be lower?”But here’s the thing, no one knows for sure where mortgage rates will go from here, and waiting could mean facing more competition, higher prices, and a lot more stress.What if buying now — before the spring rush — might actually give you the upper hand? Here are three reasons why that just might be the case.1. Less Competition from Other BuyersThe winter months tend to be quieter in the...

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Florida Mortgage | The Truth About Down Payments

The Truth About Down Payments There’s a common misconception that you have to put 20% down, but most homebuyers don’t have to do that. That means your goal may be more within reach than you realize. Connect with a trusted lender to find out more. NMLS ID 1834853 | #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips #mortgageexperts

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What To Do If Your House Didn’t Sell

Some HighlightsLast year, as many as 1 in 3 sellers took their home off the market because it wasn’t selling.If this happened to you too, you don’t need to be embarrassed. What you need are answers. And a local real estate agent can help with that by seeing if it was priced too high, needs some repairs, or didn’t get the right exposure. If you still want to move, connect with an expert agent to come up with a new strategy. Together, you can get your house sold.?

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Florida Mortgage | Get Ready To Buy a Home in 2025

Get Ready To Buy a Home in 2025 If buying a home is on your goal sheet this year, there are things you need to do now to make it happen. But above all else, connect with a trusted agent and lender so you have expert advice every step of the way. NMLS ID 1834853 | #homebuying #homebuyingtips #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips #mortgageexperts

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Smaller Homes, Bigger Opportunities: The Homebuilder Trend Buyers Love

It’s no secret that affordability is tough with where mortgage rates and home prices are right now. And that may have you worried about how you’ll be able to buy a home. But, if you don’t need a ton of space, you may find you have more cost-effective options in an unexpected place: new home communities.Builders Are Building Smaller Homes Since smaller homes typically come with smaller price tags, buyers have turned their attention to homes with less square footage — and builders have shifted their focus to capitalize on that demand. As U.S. News notes:“The combination of higher home prices...

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If Your House’s Price Is Not Compelling, It’s Not Selling

There’s one big mistake you need to avoid when you sell your house this year: setting your price too high. It might seem like overpricing gives you room to negotiate or could really boost your profit, but the reality is, it usually backfires.In fact, Realtor.com says almost 20% of sellers — that’s one in five — have to reduce their price to get their house sold. And you don’t want to be one of them. Here’s why starting too high can lead to trouble, and how to avoid it.Overpricing Pushes Buyers AwayWith mortgage rates and home prices where they are right now, buyers are already stretching...

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Why More People Are Buying Multi-Generational Homes Today

Today, 17% of homebuyers are choosing multi-generational homes — that’s when you buy a house with your parents, adult children, or even distant relatives. What makes that noteworthy is that 17% is actually the highest level ever recorded by the National Association of Realtors (NAR). But what’s driving the recent rise in multi-generational living?Top Benefits of Choosing a Multi-Generational HomeIn the past, homebuyers often opted for multi-generational homes to make it easier to care for their parents. And while that’s still a key reason, it’s not the only one. Right now, there’s another...

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When Is the Perfect Time To Move?

It’s easy to get caught up in the idea of waiting for the perfect moment to make your move – especially in today’s market. Maybe you’re holding out and hoping mortgage rates will drop, or that home prices will fall. But here’s what you need to realize: trying to time the market rarely works. And here’s why.There is no perfect market.No matter when you buy, there’s always some benefit and some sort of trade-off – and that’s not a bad thing. That’s just the reality of it. If you’re not sure you buy into that, think back to the last 5 years in housing. Just a few years ago, mortgage rates hit...

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