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Category: Mortgage Clearwater

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Two Moves That Can Get You Into Your First Home Sooner

Written by Clearwater Mortgage Syndicated User on . Posted in Affordability, Buying Tips, Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, First-Time Buyers, For Buyers, Mortgage Clearwater, Rent vs. Buy.

For a lot of first-time buyers, owning a home can feel perpetually a few years out of reach. Saving for a down payment takes time, and each year you spend renting can make owning feel further off.But buying your first home doesn’t have to happen to feel like a far away goal. Two choices you control can bring your first home years closer, even with affordability as tight as it is right now.How Long Buying Really TakesFirst, one quick definition. “Breaking even” is the point where owning has cost you about the same as renting would have over the same period. And after that...

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What Higher Mortgage Rates Mean for Home Sellers

Written by Clearwater Mortgage Syndicated User on . Posted in Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, For Sellers, Mortgage Clearwater, Mortgage Rates, New Construction, Selling Tips.

Higher mortgage rates don’t just affect buyers. They can change what it takes to sell your house, too.That’s because today’s buyers are paying close attention to affordability. And when rates rise, even a relatively small change can make a noticeable difference in their monthly payment. So, they’re looking for ways to make the numbers work. And in some markets, new construction is giving them exactly that.If you’re planning to sell, that doesn’t mean you can’t compete. But it does mean you need to understand what builders are doing to win over...

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Hoping for (or Dreading) a Housing Crash? The Experts Just Weighed In.

Written by Clearwater Mortgage Syndicated User on . Posted in Buying Tips, Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, Equity, First-Time Buyers, For Buyers, Forecasts, Home Prices, Mortgage Clearwater.

Half the buyers out there are scared home prices are about to crash. The other half are hoping they will.A recent survey from Clever found 58% of Gen Z buyers are actually rooting for a crash, just so homeownership feels within reach.So, what do the forecasts actually say?Every quarter, Fannie Mae surveys more than 100 housing experts on where prices are headed. The newest results are in. And spoiler alert: they’re not calling for a crash – not even the pessimists.What the Newest Numbers Actually SayThe panel’s latest forecast has prices climbing every single year through at least...

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The Housing Market Split in 2. Which Side Is Your House On?

Written by Clearwater Mortgage Syndicated User on . Posted in Agent Value, Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, For Sellers, Home Prices, Luxury / Vacation, Mortgage Clearwater, Selling Tips.

Ask a couple people how the housing market is doing and you’ll probably get a couple different answers. That’s because right now, the market runs on 2 very different tracks, split by price point.Knowing which track your house is on changes everything about your sale, from your asking price to how long you can expect to wait before an offer comes in. Here’s what you need to know.Home Sales Are Picking Up Speed at the Top of the MarketRates and buyer competition are shaping this market differently depending on price point. Look at recent sales data from the National Association of Realtors...

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Remote Work Could Be Your Affordability Answer

Written by Clearwater Mortgage Syndicated User on . Posted in Affordability, Agent Value, Buying Tips, Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, First-Time Buyers, For Buyers, Mortgage Clearwater.

For most first-time buyers, the hardest part of buying a home is making the numbers work. You budget, you save, and the finish line still feels far away. But your salary is only half the equation. Where you live shapes what you can afford just as much. And if you can work remotely, you have an advantage a lot of buyers don’t. You’re not tied to living where the jobs are, so you can look where your money goes further.Where You Work Doesn’t Have To Dictate Where You LiveRemote job openings are on the rise. According to FlexJobs, remote job postings climbed 22% from the quarter...

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Why Buyers Shouldn’t Overlook a Fall Move

Written by Clearwater Mortgage Syndicated User on . Posted in Affordability, Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, First-Time Buyers, For Buyers, Home Prices, Inventory, Mortgage Clearwater, Mortgage Rates.

You’ve been waiting for something to change before you buy. It just might not be the thing you expected…While everyone’s paying attention to mortgage rates, only the savviest buyers know that the changing season can start tipping things in their favor. Because every fall, buyers tend to get more to choose from, better prices, and more room to negotiate. And that’s why Hannah Jones, Senior Economist at Realtor.com, says:“We always see that the best time to buy window usually falls in the early fall around October.”And that’s exactly why, if you’ve been waiting for a better moment...

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Think New Homes Cost More? Not Right Now.

Written by Clearwater Mortgage Syndicated User on . Posted in Affordability, Agent Value, Buying Tips, Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, For Buyers, Home Prices, Mortgage Clearwater, New Construction.

Most people think a newly built home costs more than an existing one. But right now, that’s actually backwards. Newly built homes are more affordable than existing ones in a lot of markets. And that’s because builders are cutting prices and stacking on incentives to try to keep their inventory moving.Here’s why that’s really important for any would-be homebuyer to know.Newly Built Homes Are the Better Deal Right NowAccording to the latest data from the Census and the National Association of Realtors (NAR), a newly built home now typically costs about $40,000 less than an existing one (see...

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Florida waterfronts and skyline

Written by Clearwater Mortgage Syndicated User on . Posted in Clearwater, Clearwater FL Mortgage, Clearwater Mortgage, Mortgage Clearwater.

?? Florida’s iconic waterfronts meet smart investing with DSCR mortgages. Start your home purchase qualifier with no personal info and discover how DSCR loans focus on property income, not personal income. Whether you’re eyeing a condotel or a traditional investment property, DSCR programs simplify qualification with no lease requirements and support loans up to $5 million. You can finance multiple properties, including non-warrantable condos, while enjoying predictable terms and a clear path to grow your real estate portfolio. Boost your investment game with a program...

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