Category: Mortgage Rates

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What Higher Mortgage Rates Mean for Home Sellers

Written by super22 on October 4, 2026. Posted in For Sellers, Mortgage Rates, New Construction, Selling Tips, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

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...

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

Written by super22 on October 4, 2026. Posted in Affordability, Buying Tips, First-Time Buyers, For Buyers, Mortgage Rates, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that’s left you reluctant to buy a home, here’s what you need to remember… That’s not necessarily the number you’d get. It’s a common misconception that the rate you see in the headlines is the same one you’d get when you buy. The truth is, mortgage rates shift often, and the rate you actually end up with can vary a lot from what you may see or hear about. What Determines Your Real Rate? Advertised rates and “real rates” aren’t always the...

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?

Written by super22 on September 23, 2026. Posted in Agent Value, Buying Tips, For Buyers, For Sellers, Mortgage Rates, New Construction, Selling Tips, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

Today’s housing market splits into four distinct types. You’ve got cash buyers, buyers financing a purchase, owners who feel locked into a low rate, and builders with homes to sell. Which type you’re in changes how you should buy or sell. Ryan Serhant, CEO of SERHANT agrees:“There is no longer a housing market . . . There are four Americas.”Here’s what each looks like, and what it means for you.Cash Buyers: 1 in 4 Buyers Are Paying with CashIf you already own a home, you may be able to buy your next place in cash thanks to your equity. In fact, 26% of existing home sales this summer were...

3 Things You Can Actually Control About Your Mortgage Rate Right Now

Written by super22 on September 23, 2026. Posted in Affordability, Buying Tips, For Buyers, Mortgage Rates, New Construction, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

If you’re trying to buy a home, affordability is probably what keeps you up at night. And as you watch mortgage rates tick up again lately, it’s fair to wonder if you should just hit pause and wait for them to go down. For now, though, they’re headed the other way. Mortgage News Daily data shows how rates have risen this year (see graph below):And if you’re wondering why? There are actually a number of reasons. Mortgage rates are impacted by the situation overseas, economic data, inflation numbers, oil prices, and even decisions from the Federal Reserve (who recently decided to hike...

Worried About a Housing Crash? The Numbers Tell a Calmer Story.

Written by super22 on August 26, 2026. Posted in For Buyers, For Sellers, Home Prices, Inventory, Mortgage Rates, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

A recent survey from Talker Research asked Americans to pick one word to describe how 2026 has felt so far. The winner? Stressful. And honestly, there’s been a lot going on.So, it’s understandable if you’ve been putting off buying or selling a home until things settle down. But you may be waiting on something that’s already happened. While everything else has felt shaky, the housing market has become one of the steadiest things out there. Look at the data.Home Prices Have Leveled OutAfter years of fast increases, data from the National Association of Realtors (NAR) shows home...

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

Written by super22 on August 16, 2026. Posted in Affordability, Economy, For Buyers, For Sellers, Mortgage Rates, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

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+ YearsFor 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 move...

What To Expect from the Housing Market in the Second Half of 2026

Written by super22 on July 13, 2026. Posted in Affordability, For Buyers, For Sellers, Forecasts, Home Prices, Mortgage Rates, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

If the first half of this year has left you feeling stuck, you’re not the only one. Mortgage rates stayed higher than people wanted. Affordability remained tight. And uncertainty overseas added another layer of pressure nobody saw coming.That’s why so many people are asking the same question: Will the second half of the year be any better for the housing market?While nobody has a crystal ball, there are a few encouraging signs things could start moving in a better direction. Here’s what to watch.Mortgage Rates Could Be Near a Turning Point One of the biggest reasons...

The Housing Market Is Stronger Than You Think

Written by super22 on July 3, 2026. Posted in Equity, For Buyers, For Sellers, Foreclosures, Home Prices, Mortgage Rates, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

You’ve probably heard plenty of doom and gloom about the housing market lately. High rates. Stretched budgets. Headlines that make buying or selling sound like a terrible idea. But the data tells a very different story. This isn’t 2020 or 2021. It was never going to be. Those were the “unicorn years” – historic low mortgage rates, bidding wars on everything, homes flying off the market in days. That kind of market was a once-in-a-generation anomaly, not a baseline. So, when people compare today to that, of course it looks rough.But compared to almost any other...

3 Things That Are Not Going To Happen in Today’s Housing Market

Written by super22 on April 23, 2026. Posted in For Buyers, Home Prices, Inventory, Mortgage Rates, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

There’s a lot of uncertainty right now and that’s leading to some dramatic headlines. And if you’re thinking about buying a home, that can make you feel a little less sure about your decision.A recent study by CNBC asked homebuyers what they’re most worried about, and three themes kept coming up again and again:Mortgage ratesThe number of homes for saleHome pricesBut a lot of what you may be hearing on those is based more on misconceptions. Not facts. So, let’s break it down and separate fact from fiction.Misconception #1: “I’ll Just Wait, Because Mortgage Rates Are Going To Fall...

Wondering If You Should Still Buy a Home Right Now? Here’s What To Keep in Mind.

Written by super22 on April 13, 2026. Posted in Affordability, First-Time Buyers, For Buyers, Mortgage Rates, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

With economic headlines, global events, and near constant talk about affordability, you may be wondering if this is the right time to move. But here’s what you need to remember.While recent events do have some impact on the housing market, they don’t take buying off the table. You just have to use a different strategy.Mortgage Rates Have Been Up Slightly – Here’s WhyAfter trending down for most of 2025, mortgage rates have been higher again for over roughly a month now. And experts say it’s a result of what’s happening overseas and in the broader economy. As Mark Fleming, Chief...