What a Government Shutdown Really Means for the Housing Market

Written by Ormond by the Sea Mortgage Syndicated User on November 7, 2025. Posted in Buying Tips, Economy, For Buyers, For Sellers, Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates, Selling Tips.

There’s been a lot of talk lately about how a government shutdown impacts the housing market. You might be wondering: Is it causing everything to grind to a halt?The short answer? No.The housing market doesn’t stop. It keeps moving. Homes are still being bought and sold, contracts are still being signed, and closings are still happening. The difference is that a few parts of the process may slow down a little, but overall, the market continues to function.Here’s What Typically Happens Whenever the government shuts down, some federal agencies temporarily close or scale back their...

Fidelity Home Group | Do You Know the Minimum Down Payment for a Conventional Home Loan?

Written by Ormond by the Sea Mortgage Syndicated User on November 6, 2025. Posted in Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates.

Do You Know the Minimum Down Payment for a Conventional Home Loan? Only 8 out of 100 people know the minimum down payment required for a conventional home loan. Most overestimate what’s really needed. If you want more information about what’s actually required, talk to a trusted lender. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips #DownPayment Data Sources: https://www.firsthomeiq.com/2025report

Why Your Home Equity Still Puts You Way Ahead

Written by Ormond by the Sea Mortgage Syndicated User on November 6, 2025. Posted in Equity, For Sellers, Home Prices, Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates.

If you’ve seen headlines about home prices dropping, it’s easy to wonder what that means for the value of your home too. Here’s what you really need to know.Even with small price declines in some markets, data shows you’re likely still way ahead. And that’s thanks to your home equity.The Relationship Between Home Prices and EquityHome equity moves in sync with home prices. When prices rise, equity builds. When prices cool (even just slightly), equity growth does too. Here’s how that’s played out lately.After the record-setting home price surge of 2020 and 2021, a little cooling was...

How To Make Sure Your Sale Crosses the Finish Line

Written by Ormond by the Sea Mortgage Syndicated User on November 4, 2025. Posted in For Sellers, Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates, Selling Tips.

If there was one simple step that could help make your home sale a seamless process, wouldn’t you want to know about it?There’s a lot that happens from the time your house goes under contract to closing day. And a few things still have to go right for the deal to go through. But here’s what a lot of sellers may not know.There’s one part of the process where some homeowners are hitting a road bump that’s causing buyers to back out these days. But don’t worry. The majority of these snags are completely avoidable, especially when you understand what’s causing them and how to be...

Fidelity Home Group | Home Sales Are Expected To Rise Next Year

Written by Ormond by the Sea Mortgage Syndicated User on November 1, 2025. Posted in Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates.

Home Sales Are Expected To Rise Next Year Home sales are expected to pick up next year. If you want to be ready to move when the market picks up, let’s build your plan now. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips Data Sources https://www.fanniemae.com/media/56091/display https://img03.en25.com/Web/MortgageBankersAssociation/%7B5e377e4c-a183-4a98-8aac-2cf11b64651d%7D_Mortgage_Finance_Forecast_Aug_2025.pdf...

Thought the Market Passed You By? Think Again.

Written by Ormond by the Sea Mortgage Syndicated User on October 31, 2025. Posted in Buying Tips, First-Time Buyers, For Buyers, Inventory, Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates.

If you stepped back from your home search over the past few years, you’re not alone – and you’re definitely not out of options. In fact, now might be the ideal time to take another look. With more homes to choose from, prices leveling off in many areas, and mortgage rates easing, today’s market is offering something you haven’t had in a while: options.Experts agree, buyers are in a better spot right now than they’ve been in quite a long time. Here’s what they have to say.Affordability Is Finally Improving Lisa Sturtevant, Chief Economist at Bright MLS, says affordability is finally starting...

Why You Don’t Need To Be Afraid of Today’s Mortgage Rates

Written by Ormond by the Sea Mortgage Syndicated User on October 30, 2025. Posted in Buying Tips, Downsize, First-Time Buyers, For Buyers, For Sellers, Mortgage Rates, Move-Up, Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates.

Mortgage rates have been the monster under the bed for a while. Every time they tick up, people flinch and say, “Maybe I’ll wait.” But here’s the twist. Waiting for that perfect 5-point-something rate could end up haunting your wallet later.The Magic NumberAccording to the National Association of Realtors (NAR):“. . . a 30-year fixed rate mortgage of 6% would make the median-priced home affordable for about 5.5 million more households—including 1.6 million renters. If rates were to hit that magic number, it’s likely that about 10%—or 550,000—of those additional households would buy a home...

Fidelity Home Group | 79% of Homeowners Wish They Sold Sooner

Written by Ormond by the Sea Mortgage Syndicated User on October 29, 2025. Posted in Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates.

79% of Homeowners Wish They Sold Sooner 79% of homeowners wish they sold sooner. Let’s talk about why now may be the right time to act. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips Data Sources https://mediaroom.realtor.com/2025-09-05-Want-to-Sell-Your-Home-Start-Early-Realtor-com-R-Report-Finds-Equity-Is-High,-But-Success-Requires-Planning https://www.instagram.com/p/DOblW0Aj8rr/?igsh=am0zOW9naHN0bmV6

Why Some Homes Sell Quickly – and Others Don’t Sell at All

Written by Ormond by the Sea Mortgage Syndicated User on October 28, 2025. Posted in Agent Value, For Sellers, Inventory, Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates, Selling Tips.

A few years ago, inventory hit a record low. Just about anything sold – and fast. But now, there are far more homes on the market. Listings are up almost 20% from this time last year. And in some areas, supply is even back to levels we last saw in 2017–2019. For sellers, that means one thing:Your house needs to stand out and grab attention from day one.That’s especially true when you consider why the number of homes for sale is up. Here’s how it works. Available inventory is a mix of: Active Listings: homes that have been sitting on the market, but haven’t sold yetNew Listings: homes that...

Fidelity Home Group | Only 2% of Home Sales Are Foreclosures or Short Sales

Written by Ormond by the Sea Mortgage Syndicated User on October 26, 2025. Posted in Ormond by the Sea Condo Financing, Ormond by the Sea Mortgage, Ormond by the Sea Mortgage Rates.

Only 2% of Home Sales Are Foreclosures or Short Sales Want to know what’s happening in our local market? Let’s talk! NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips #foreclosures #shortsales

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