Tag: #marcoislandmortgagerates

Who Has the Upper Hand in Today’s Housing Market?

Written by Marco Island Mortgage Syndicated User on August 13, 2026. Posted in Buying Tips, For Buyers, For Sellers, Marco Island Mortgage, Mortgage Marco Island, Selling Tips.

Ask around and almost every homebuyer out there wants to know if there’s a way to get a better deal. And just about every seller wants to know if they’ll still get top dollar. The interesting thing is… both can be right at the exact same time. It just depends on where you live. That’s because today’s housing market isn’t moving in one direction anymore. Some markets clearly favor buyers. Others still favor sellers. But most are sitting somewhere in the middle. And knowing which market you’re actually in can completely change the strategy you use to buy...

Here’s Why Mortgage Rates Are What They Are Right Now

Written by Marco Island Mortgage Syndicated User on August 13, 2026. Posted in Affordability, Economy, For Buyers, For Sellers, Marco Island Mortgage, Mortgage Marco Island, Mortgage Rates.

If you’re waiting for mortgage rates to fall a lot before you buy, you may be waiting a while. But before you get discouraged, there’s a number working behind the scenes that’s actually good for you right now. It’s called the spread, and once you understand it, you may see today’s rates in a whole new light. The Pattern That’s Held for 50+ Years For starters, mortgage rates don’t move on their own. They tend to follow the 10-year treasury yield, a number tied to how investors feel about the economy. It’s not an exact science, since plenty of other factors can...

The Case for Putting 20% Down on Your Next Home

Written by Marco Island Mortgage Syndicated User on August 13, 2026. Posted in Affordability, Buying Tips, Downsize, For Buyers, Marco Island Mortgage, Mortgage Marco Island, Move-Up.

If you’re planning to buy your next home soon, you’ve probably heard the old rule about saving 20% for your down payment. The truth is, you usually don’t have to. Plenty of loan options let qualified buyers put down much less. But a lot of repeat buyers are choosing to put down 20% anyway. So, why are they if they don’t have to? Two reasons. They know a bigger down payment pays off, and after years in their current house, they’ve built up enough equity that it’s finally possible. Repeat Buyers Put More Money Down According to the National Association of Realtors (NAR), the typical repeat...

When the perfect property finally hits the market.

Written by Marco Island Mortgage Syndicated User on August 13, 2026. Posted in Marco Island Mortgage, Mortgage Marco Island.

Start your home purchase qualifier with no personal info. Get your rate in minutes and see how easy funding your non-warrantable condo, condotel or DSCR can be. ? Link in profile #OrlandoRealEstate #CondotelLoans #dcsrloans #MortgageRates #FloridaMortgage

Thinking About Waiting for Lower Mortgage Rates? Read This First.

Written by Marco Island Mortgage Syndicated User on August 6, 2026. Posted in Affordability, Buying Tips, Economy, For Buyers, Forecasts, Marco Island Mortgage, Mortgage Marco Island, Mortgage Rates.

Imagine waiting a year to buy a home, only to find mortgage rates haven’t changed much. That may sound frustrating.But it’s a real possibility. A lot of people are putting their plans on hold because they believe much lower mortgage rates are right around the corner. But, based on today’s forecasts, that may not happen. And you should know that before you decide what to do. Let’s look at why experts don’t expect a dramatic drop in rates – and the options that could help you buy anyway. Because even if rates don’t fall, you can still move. Here’s how. 1....

Big Investors Are Backing Off and That’s Your Opening

Written by Marco Island Mortgage Syndicated User on August 6, 2026. Posted in First-Time Buyers, For Buyers, Marco Island Mortgage, Mortgage Marco Island.

For years, a lot of would-be homebuyers have worried about the same thing. How do you compete with big investors who can swoop in, pay cash, and snap up the houses you want? Well, worry a little less. Because right now, those big investors aren’t buying up the market. They’re backing out of it. Investors Are Buying Fewer Homes Than They Have in Years According to Redfin, investor home purchases just fell to their lowest level since 2020 – when the start of the pandemic temporarily caused pretty much all homebuying to pull way back. Before that, you’d have to go all the...

Here’s Where To Start if You’re Selling and Buying at the Same Time

Written by Marco Island Mortgage Syndicated User on August 6, 2026. Posted in Marco Island Mortgage, Mortgage Marco Island.

If you’re a homeowner getting ready to move, one question usually comes first: should you buy your next home before you sell, or sell your current house before you start looking? There’s no single right answer. The best call depends on your finances, your local market, and your timeline. And a trusted agent can help you weigh all of it. But in a lot of cases these days, selling first puts you in the stronger spot. The Advantages of Selling First Selling is usually the trickier half of a move today, so getting it done first clears your biggest hurdle. And that’s especially true...

Buying a Home? Here’s What You Should Know About Home Insurance Costs.

Written by Marco Island Mortgage Syndicated User on August 6, 2026. Posted in Affordability, Buying Tips, For Buyers, Marco Island Mortgage, Mortgage Marco Island.

If buying a home is on your radar, you’ve probably been keeping an eye on mortgage rates and home prices. But don’t forget about homeowners insurance. Homeowners insurance has always been part of owning a home. But over the past few years, it’s become a larger expense for many homeowners – something that’s especially frustrating when affordability already feels tight. The good news? While premiums are still rising, the latest data shows those increases are beginning to slow. Here’s what buyers should know. Home Insurance Costs Have Gone Up You’ve probably...

Home Price Growth Slowed Down. That May Be Changing.

Written by Marco Island Mortgage Syndicated User on August 6, 2026. Posted in Buying Tips, For Buyers, For Sellers, Home Prices, Marco Island Mortgage, Mortgage Marco Island, Selling Tips.

After more than a year of headlines talking about how home prices are going to crash, the latest data shows that price growth may be starting to pick back up again. And depending on whether you’re buying or selling, that shift means something different for you. The Numbers May Be Starting To Turn For the past couple of years, home price growth has been moderating – cooling from around 7% in mid-2024, according to Redfin (see graph below). But look at the right side of that graph. The pace of that growth appears to have hit its low point and started to turn. While a couple months of data...

Selling a Luxury House? Here’s Why Now Is a Good Time

Written by Marco Island Mortgage Syndicated User on August 6, 2026. Posted in Downsize, For Sellers, Home Prices, Luxury / Vacation, Marco Island Mortgage, Mortgage Marco Island, Selling Tips, Senior Market.

If you own a luxury house, you’re in a stronger spot than most sellers right now. While much of the market has cooled, the high-end tier hasn’t. Sale prices and buyer demand are both up. So if you’re considering selling, now could be a great time to make your move. Luxury Is Leading on Price Let’s start with prices. But before we get into it – what actually counts as a luxury home? Generally, these are homes in the top 5% price range for the area, so it varies depending on where you live. But what’s interesting is that according to the latest data from Redfin, sale prices...