As of 11/2/2023:
30 year mortgages averaged 7.76%
15 year mortgages averaged 7.03%
For more information, view this article Mortgage Interest Rate.
As of 11/2/2023:
30 year mortgages averaged 7.76%
15 year mortgages averaged 7.03%
For more information, view this article Mortgage Interest Rate.
This home has a detached 3 car garage to house all of your cars, boats, trailers, etc. In addition this home includes a RV Carport and another carport for your use. Check out the other features below.
SELLER IS OFFERING $10,000 CREDIT WITH FULL PRICE OFFER. BUYER CAN USE FOR CLOSING COSTS OR TO BUY DOWN THEIR INTEREST RATE OR UPGRADES. Welcome to Shepherd South located in Lakeland, Florida. This Home features 3 Bedrooms, 2 Baths, Living Room, Kitchen, Dining Room, Laundry Room, Bonus Room, Screened Inground Pool, Detached 3 Car Garage with upstairs Loft, RV Carport, and a Workshop on a half-acre lot. There is NO Hom...
As of 10/26/2023:
30 year mortgages averaged 7.79%
15 year mortgages averaged 7.03%
For more information, view this article Mortgage Interest Rate.
This home is for sale in South Lakeland, Florida. The home has several features to consider. But, one feature I am asked about all of the time is "is there a homeowner's association?". The answer is No. This home does not have a homeowner's association. The property is .60 Acres, Pool, Fenced, 3 Car Detached Garage with Loft, RV Carport, and a Workshop. Check out the pictures and feature list below. Call me for a showing!
SELLER IS OFFERING $10,000 CREDIT WITH FULL PRICE OFFER. BUYER CAN USE FOR CLOSING COSTS OR TO BUY DOWN THEIR INTEREST RATE OR UPGRADES. Welcome to Shepherd South located in Lakeland, Florida. This...
Should I remodel my current home or buy one that’s fully updated instead?
That’s a great question! And the answer is… that depends. Keep reading to learn more.
The first thing that people usually consider is the price tag. On the surface, a remodel sounds more affordable than purchasing a new home. My advice - think through your needs and write them down. What you see may surprise you!
For example, if your list includes additions such as a pool, an extra bedroom, or a garage extension, does your current piece of property allow for that type of expansion? If you have the space on your current lot to accommodate it, a remodel may be the right option for you. If adequate space is NOT available...
As of 10/19/2023:
30 year mortgages averaged 7.63%
15 year mortgages averaged 6.92%
For more information, view this article Mortgage Interest Rate.
This home listed today. It has several features to consider. Take a look at the pictures, description, and virtual tour. Call me to schedule a private showing.
SELLER IS OFFERING $10,000 CREDIT WITH FULL PRICE OFFER. BUYER CAN USE FOR CLOSING COSTS OR TO BUY DOWN THEIR INTEREST RATE OR UPGRADES. Welcome to Shepherd South located in Lakeland, Florida. This Home features 3 Bedrooms, 2 Baths, Living Room, Kitchen, Dining Room, Laundry Room, Bonus Room, Screened Inground Pool, Detached 3 Car Garage with upstairs Loft, RV Carport, and a Workshop on a half-acre lot. There is NO Homeowners Association (HOA) in this communi...
As of 10/12/2023:
30 year mortgages averaged 7.57%
15 year mortgages averaged 6.89%
For more information, view this article Mortgage Interest Rate.
It is true. Interest rates are no longer under 3%. They are typically over 7% now. If you have a good memory, you will remember rates over 13% in years gone by. I hope we do not hit those interest rates again.
There are several options to consider as you look to buy a home to offset the higher interest rates today. The first one that comes to mind is to ask the seller to buy down your interest rate. This can be accomplished by asking them to pay $5,000 to $10,000 towards lowering your interest rate instead of reducing their purchase price. Check with your lender to confirm. I think you will find that buying your interest rate will reduce your monthly payment more than reducing the purcha...
As of 10/5/2023:
30 year mortgages averaged 7.49%
15 year mortgages averaged 6.78%
For more information, view this article Mortgage Interest Rate.
Have you received an Insurance Letter from Citizens?
Over the last few weeks, Citizens Insurance has sent out 300,000 letters to some of their customers offering private insurance as an alternative to continuing with Citizens Insurance. Citizens is considered Florida’s Insurer of Last Resort. This effort is to reduce the number of policy holders by Citizens.
If the private insurance offered is within 20% of Citizens and you do not contact Citizens by 10/10, you will be switched to the new insurance provider. Citizens will not renew your policy. If it is more than 20%, you can decline the new insurance and remain with Citizens. If you have not shopped homeowner’s insurance in a year or t...
As of 9/28/2023:
30 year mortgages averaged 7.31%
15 year mortgages averaged 6.72%
For more information, view this article Mortgage Interest Rate.
Homeowner’s Insurance costs have been skyrocketing in Florida. Many insurance companies previously providing policies have withdrawn from the state, and other companies that still service Florida homeowners have increased prices.
Did you know you can re-shop your homeowner's policy -- just like you do for auto insurance? It's true! A best practice I suggest to my customers is to shop for your Homeowner’s Insurance every 2-3 years to make sure you are getting the best rates available. Companies and prices change all of the time, so it's a good idea to re-quote your policy every few years. It's a simple way to possibly save some money!
Don't forget -- if your insurance is covered in your ...
As of 9/21/2023:
30 year mortgages averaged 7.19%
15 year mortgages averaged 6.54%
For more information, view this article Mortgage Interest Rate.
The 2023 Hometown Hero program funds are officially depleted.
If you were counting on that assistance program, does that mean you're out of options? NOPE! There are other programs to help first-time buyers make their housing dreams a reality. Here are a few to consider:
1. Florida Bond offers $10,000 toward down payment and closing costs.
2. USDA Loans offers 100% financing on eligible properties to qualified buyers.
3. Sometimes sellers offer funds to a ready and willing buyer that could be applied to closing costs or to buy down your interest rate.
First step is to get pre-approved for a home loan. I've got a list of recommended lenders who can help find the best solution for you. ...
As of 9/14/2023:
30 year mortgages averaged 7.18%
15 year mortgages averaged 6.51%
For more information, view this article Mortgage Interest Rate.
As of 9/8/2023:
30 year mortgages averaged 7.12%
15 year mortgages averaged 6.52%
For more information, view this article Mortgage Interest Rate.
As of 8/31/2023:
30 year mortgages averaged 7.18%
15 year mortgages averaged 6.55%
For more information, view this article Mortgage Interest Rate.
As of 8/24/2023:
30 year mortgages averaged 7.23%
15 year mortgages averaged 6.55%
For more information, view this article Mortgage Interest Rate.
As of 8/17/2023:
30 year mortgages averaged 7.09%
15 year mortgages averaged 6.46%
For more information, view this article Mortgage Interest Rate.