Category: Upper Keys News

One Number Could Change Everything About Your Next Move

Written by super22 on August 21, 2026. Posted in Downsize, Equity, For Sellers, Move-Up, Selling Tips, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

When’s the last time someone told you what your house is worth? Not what some online valuation tool guessed. Not what your neighbor’s house sold for. What yours is actually worth right now.For a lot of homeowners, it’s been years. And if you’ve been thinking about moving, but higher home prices or mortgage rates have made you hesitate, here’s why it’s time to take a second look at that number.Your House May Be Worth More Than You ThinkHome values have climbed significantly over the past 5-10 years. And even though today’s market is more balanced, homeowners are...

Higher Rates Could Actually Help Housing Supply – Here’s How.

Written by super22 on August 21, 2026. Posted in For Buyers, For Sellers, Inventory, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

You may have heard the number of homes for sale isn’t growing like it was. And maybe that has you worried you won’t find a home you love when it’s time to make your move.But that may be about to change. Here’s why your pool of options may actually start ticking back up again.Growth Has Slowed, But It Hasn’t StoppedActive listings were up 2.1% year-over-year in July, according to Realtor.com. Back in January, inventory was up 10%. And in May of 2025, it was up 31.5%. So, growth has cooled off a lot over the last year.The past 3 months, though, have all seen inventory growth land in roughly...

The Kind of House Buyers Are Willing To Pay More For

Written by super22 on August 18, 2026. Posted in Downsize, For Sellers, Home Prices, Selling Tips, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

That spare room on the main floor. The finished basement with a kitchenette and its own entrance. The bonus room you’ve been using for storage. To you, it’s extra space. But to a growing pool of buyers, it’s the reason they’d pick your house. Here’s why. Multi-generational homebuying is on the rise.Millions of Families Are Living Multi-GenerationallyThe number of multi-generational households is climbing. That’s when 3 or more generations live under one roof. And data shows those households grew from 3.2 million to almost 4 million between 2014 and 2024, according to...

Who Has the Upper Hand in Today’s Housing Market?

Written by super22 on August 16, 2026. Posted in Buying Tips, For Buyers, For Sellers, Selling Tips, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

Ask around and almost every homebuyer out there wants to know if there’s a way to get a better deal. And just about every seller wants to know if they’ll still get top dollar.The interesting thing is… both can be right at the exact same time. It just depends on where you live.That’s because today’s housing market isn’t moving in one direction anymore. Some markets clearly favor buyers. Others still favor sellers. But most are sitting somewhere in the middle.And knowing which market you’re actually in can completely change the strategy you use to buy or...

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...

The Case for Putting 20% Down on Your Next Home

Written by super22 on August 16, 2026. Posted in Affordability, Buying Tips, Downsize, For Buyers, Move-Up, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

If you’re planning to buy your next home soon, you’ve probably heard the old rule about saving 20% for your down payment.The truth is, you usually don’t have to. Plenty of loan options let qualified buyers put down much less. But a lot of repeat buyers are choosing to put down 20% anyway.So, why are they if they don’t have to?Two reasons. They know a bigger down payment pays off, and after years in their current house, they’ve built up enough equity that it’s finally possible.Repeat Buyers Put More Money DownAccording to the National Association of Realtors (NAR), the typical repeat buyer...

Buying a Home? Here’s What You Should Know About Home Insurance Costs.

Written by super22 on August 2, 2026. Posted in Affordability, Buying Tips, For Buyers, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

If buying a home is on your radar, you’ve probably been keeping an eye on mortgage rates and home prices. But don’t forget about homeowners insurance. Homeowners insurance has always been part of owning a home. But over the past few years, it’s become a larger expense for many homeowners – something that’s especially frustrating when affordability already feels tight.The good news? While premiums are still rising, the latest data shows those increases are beginning to slow. Here’s what buyers should know.Home Insurance Costs Have Gone UpYou’ve probably heard...

Home Price Growth Slowed Down. That May Be Changing.

Written by super22 on August 2, 2026. Posted in Buying Tips, For Buyers, For Sellers, Home Prices, Selling Tips, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

After more than a year of headlines talking about how home prices are going to crash, the latest data shows that price growth may be starting to pick back up again. And depending on whether you’re buying or selling, that shift means something different for you.The Numbers May Be Starting To TurnFor the past couple of years, home price growth has been moderating – cooling from around 7% in mid-2024, according to Redfin (see graph below). But look at the right side of that graph. The pace of that growth appears to have hit its low point and started to turn.While a couple months of data...

Selling a Luxury House? Here’s Why Now Is a Good Time

Written by super22 on August 2, 2026. Posted in Downsize, For Sellers, Home Prices, Luxury / Vacation, Selling Tips, Senior Market, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

If you own a luxury house, you’re in a stronger spot than most sellers right now. While much of the market has cooled, the high-end tier hasn’t. Sale prices and buyer demand are both up. So if you’re considering selling, now could be a great time to make your move.Luxury Is Leading on PriceLet’s start with prices. But before we get into it – what actually counts as a luxury home? Generally, these are homes in the top 5% price range for the area, so it varies depending on where you live.But what’s interesting is that according to the latest data from Redfin, sale prices for...

14 Years Running: Why Real Estate Is Still America’s Favorite Investment

Written by super22 on July 17, 2026. Posted in First-Time Buyers, For Buyers, Rent vs. Buy, Upper Keys, Upper Keys Florida Mortgage, Upper Keys History, Upper Keys Mortgage, Upper Keys News.

Quick gut reaction. Which investment do Americans trust more than stocks, gold, savings accounts, and bonds? The answer hasn’t changed in 14 years. It’s real estate. And this year, that answer comes with even more conviction behind it. New data shows people aren’t just saying homeownership is a smart move, they’re feeling better about it than they have in years. Let’s dig into why.Real Estate Takes the Top Spot – AgainEvery year, Gallup asks Americans to name the best long-term investment. And for the 14th year in a row, real estate came out on top (see graph...