David Shippey
863.521.4517

Posts


Mortgage Interest Rates for 30 year and 15 year mortgages 8.24.2023

Fri, Aug 25th 2023 9:23 am by David Shippey Mortgage Interest Rates

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.



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 8.17.2023

Fri, Aug 18th 2023 11:14 am by David Shippey Mortgage Interest Rates

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.



No comments

Should I Consider a FHA 203K Rehab Mortgage Loan?

Mon, Aug 14th 2023 9:07 am by David Shippey Winter Haven News

The preference of most buyers is to purchase a MOVE IN READY home that does not require any major repairs or renovations. But sometimes the home you are interested in buying does require repairs or upgrades. One solution would be to consider the FHA 203K Rehab Mortgage Loan. This loan has two versions. The first version is for minor repairs under $35,000. The second version is for more extensive repairs over $35,000. These programs roll the repair costs into your mortgage. There are many aspects to consider with this loan program. I recommend you contact a lender to see if this program will work for you.

To understand more details about the 203K Loan, click here.



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 8.10.2023

Fri, Aug 11th 2023 11:22 am by David Shippey Mortgage Interest Rates

As of 8/10/2023:

30 year mortgages averaged 6.96%

15 year mortgages averaged 6.34%

For more information, view this article Mortgage Interest Rate.



No comments

Showroom Ready!

Mon, Aug 7th 2023 7:01 pm by David Shippey Seller Tips

Seller Tip: Showroom Ready

This is one of the hardest aspects to maintain. Until you close on your home, the home needs to remain showroom ready. Showings may only give 2-4 hours' notice. After you get a contract, they will conduct inspections. The home should stay showroom ready during inspections. The next step is an appraisal. Yep! You guessed it! The home should be showroom ready for appraisals as well. After the appraisal comes the final walk through, and you have already moved out of the home. So, you can relax after the appraisal is completed.

Did today's tips spark a question? Think I might be the right Realtor for you? Give me a call and let's talk!

David Shippey - Xcellence R...



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 8.3.2023

Fri, Aug 4th 2023 12:57 pm by David Shippey Mortgage Interest Rates

As of 8/3/2023:

30 year mortgages averaged 6.90%

15 year mortgages averaged 6.25%

For more information, view this article Mortgage Interest Rate.



No comments

Permits & Surveys!

Tue, Aug 1st 2023 12:37 pm by David Shippey Buyer Tips

Buyer Tip: Permits & Surveys

The title company checks for open permits, if you so request it. If you do not, the responsibility passes to you at time of purchase. Some sellers do not even realize there are open permits for work supposedly completed years ago! A good example of this is a new pool install, and the final inspection was never completed. Hopefully, it is fine but that is why you have it inspected through a permit. If you are getting a loan, the lender will require a survey. Be sure to look at it closely for neighbor encroachments, your own encroachments, and that all easements are honored. Any of these could turn into a potential problem for you.

Did today's tips spark a que...



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 7.27.2023

Sat, Jul 29th 2023 6:51 pm by David Shippey Mortgage Interest Rates

As of 7/27/2023:

30 year mortgages averaged 6.81%

15 year mortgages averaged 6.11%

For more information, view this article Mortgage Interest Rate.



No comments

Pictures!

Wed, Jul 26th 2023 6:32 pm by David Shippey Seller Tips

Seller Tip: Pictures

Great pictures make for a successful listing of your home. I recommend professional pictures with aerial drone shots when possible. First impressions are key! Good photographs highlighting the features of the home lead to showings. Buyers look for good pictures with aerial views as a determining factor as to whether to request a showing and take a closer look at your property.

Did today's tips spark a question? Think I might be the right Realtor for you? Give me a call and let's talk!

David Shippey - Xcellence Realty
863-521-4517
Unforgettable Service | Undeniable Results



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 7.20.2023

Fri, Jul 21st 2023 10:58 am by David Shippey Mortgage Interest Rates

As of 7/20/2023:

30 year mortgages averaged 6.78%

15 year mortgages averaged 6.06%

For more information, view this article Mortgage Interest Rate.



No comments

Can I Assume a Seller's FHA Loan With Their Low Interest Rate?

Wed, Jul 19th 2023 9:20 am by David Shippey Winter Haven News

The answer is Yes. It is possible but there are several points to consider. FHA loans are for primary residences so it cannot be used for investment purposes.

The first task would be to make sure the seller's loan is assumable. The seller's lender decides if you qualify to assume their loan.

A seller will want a release from their lender on the loan so they are no longer tied to the property. If the lender is not willing to give a release, the seller may not be willing to let you assume their loan. If you do not make payments, the seller would be responsible.

Another consideration is the purchase price. For example, if the home is being sold for $300,000 and the assumable loan on the h...



No comments

Custom Home with Newer Roof - 2014 Misty Morning Dr

Mon, Jul 17th 2023 11:59 am by David Shippey Winter Haven Homes for Sale

This Custom Home has several features to consider. One of the most important features when considering homeowner's insurance is the roof. This roof was replaced in 2018 and is only 5 years old. Check out some of the other features below and see if this is the home you have been trying to find.

Image

2014 Misty Morning Drive
Winter Haven, FL

MLS# P4925608 - Residential

Welcome to Country Walk Estates located in Southwest Winter Haven, Florida. This Custom Home has several updates, features, and is ready for You. The Home has 3 Bedrooms, 2 Baths, 2 Car Garage, 1719sqft Living Area, Laundry Room, with a Screened Lanai. Some of the Updates include Granite Countertops in Kitchen and Bathr...



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 7.13.2023

Fri, Jul 14th 2023 8:55 am by David Shippey Mortgage Interest Rates

As of 7/13/2023:

30 year mortgages averaged 6.96%

15 year mortgages averaged 6.30%

For more information, view this article Mortgage Interest Rate.



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 7.6.2023

Wed, Jul 12th 2023 9:55 am by David Shippey Mortgage Interest Rates

As of 7/6/2023:

30 year mortgages averaged 6.81%

15 year mortgages averaged 6.24%

For more information, view this article Mortgage Interest Rate.



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 6.29.2023

Mon, Jul 10th 2023 11:55 am by David Shippey Mortgage Interest Rates

As of 6/29/2023:

30 year mortgages averaged 6.71%

15 year mortgages averaged 6.06%

For more information, view this article Mortgage Interest Rate.                      



No comments

Open House - 2014 Misty Morning Dr, Winter Haven - 7/15 10am-3pm!

Fri, Jul 7th 2023 4:59 pm by David Shippey WINTER HAVEN OPEN HOUSE

We will be holding an Open House at 2014 Misty Morning Dr, Winter Haven, FL 33880 on Saturday 7/15 from 10am to 3pm. Stop by and see all this home has to offer. See details below.

Image

2014 Misty Morning Drive
Winter Haven, FL

MLS# P4925608 - Residential

COME VIEW THIS HOME SATURDAY 7/15 10AM-3PM! Welcome to Country Walk Estates located in Southwest Winter Haven, Florida. This Custom Home has several updates, features, and is ready for You. The Home has 3 Bedrooms, 2 Baths, 2 Car Garage, 1719sqft Living Area, Laundry Room, with a Screened Lanai. Some of the Updates include Granite Countertops in Kitchen and Bathrooms, Beautiful Ceramic Tile and Vinyl Flooring, Extra Insulation in Atti...



Comments: 1

Custom Home for Sale with Extra Large Garage - Winter Haven

Fri, Jun 30th 2023 8:00 am by David Shippey Winter Haven Homes for Sale

This Custom Home has several upgrades and features listed below. One bonus with this home is the Garage. It is a 25x23 Garage that fits any vehicle you need. The flooring is a high grade epoxy floor. The walls of the garage are lined with Storage Cabinets. Be sure to check out the pictures below. Schedule your showing today!

Image

2014 Misty Morning Drive
Winter Haven, FL

MLS# P4925608 - Residential

Welcome to Country Walk Estates located in Southwest Winter Haven, Florida. This Custom Home has several updates, features, and is ready for You. What are the basics? It has 3 Bedrooms, 2 Baths, 2 Car Garage, 1719sqft Living Area, Laundry Room, with a Screened Lanai. What has been updated...



No comments

Hometown Heroes Mortgage Loan Program Expands July 1

Wed, Jun 28th 2023 9:32 am by David Shippey Winter Haven News

The Florida Housing Program called Hometown Heroes has been very successful. The first $100 million funding was able to help over 6,700 Heroes purchase a home in Florida. Effective July 1, 2023, another $100 million will be provided to further this program for more homeowners to purchase a home in Florida. This program provides down payment and closing cost assistance. This program is now available to first-time homebuyers that meet the eligibility requirements.

For more information on this program, Click Here Hometown Heroes.



No comments

Mortgage Interest Rates for 30 year and 15 year mortgages 6.22.2023

Mon, Jun 26th 2023 11:20 am by David Shippey Mortgage Interest Rates

As of 6/22/2023:

30 year mortgages averaged 6.67%

15 year mortgages averaged 6.03%

For more information, view this article Mortgage Interest Rate.                      



No comments

Price Reduced $10,000 - 2014 Misty Morning Dr - Winter Haven, FL

Fri, Jun 23rd 2023 9:26 am by David Shippey Winter Haven Homes for Sale

Seller reduced the price by $10,000 today making the asking price now $385,000. Check out all of the features, pictures, and virtual tours below. One of the big features includes a 600sqft detached block workshop with a full bath. The building could remain a workshop or be converted into a Guest House, In-Law Suite, or College Bedroom. Call for your showing soon.

Image

2014 Misty Morning Drive
Winter Haven, FL

MLS# P4925608 - Residential

Welcome to Country Walk Estates located in Southwest Winter Haven, Florida. This Custom Home has several updates, features, and is ready for You. What are the basics? It has 3 Bedrooms, 2 Baths, 2 Car Garage, 1719sqft Living Area, Laundry Room, with ...



No comments