The 3 Things You Risk by Pricing Too High

Written by Emerald Coast Mortgage Syndicated User on August 1, 2025. Posted in Agent Value, Emerald Coast Mortgage, For Sellers, Home Prices, Mortgage Emerald Coast, Selling Tips.

When selling your house, the price you choose isn’t just a number, it’s a strategy. And in today’s market, that strategy needs to be sharp.The number of homes for sale is climbing. And that means buyers have more choices and can be more selective. If your price doesn’t line up with what else is out there, they’ll scroll right past it and go on to the next one.Pricing right from the start is your best move – and a great agent can help make sure you do.Overpricing Comes at a CostAnd more sellers are finding that out the hard way. They list their house based on how things were a year ago...

What Credit Score Do You Really Need To Buy a Home?

Written by Emerald Coast Mortgage Syndicated User on August 1, 2025. Posted in Buying Tips, Emerald Coast Mortgage, First-Time Buyers, For Buyers, Mortgage Emerald Coast.

According to Fannie Mae, 90% of buyers don’t actually know what credit score lenders are looking for, or they overestimate the minimum needed.Let that sink in. That means most homebuyers think they need better credit than they actually do – and maybe you’re one of them. And that could make you think buying a home is out of reach for you right now, even if that’s not necessarily true. So, let’s look at what the data really says about credit scores and homebuying.There’s No One Magic NumberThere’s no universal credit score you absolutely have to have when buying a home. And that means there’s...

Home Price Forecasts for the Second Half of 2025

Written by Emerald Coast Mortgage Syndicated User on August 1, 2025. Posted in Emerald Coast Mortgage, For Buyers, For Sellers, Forecasts, Home Prices, Infographics, Mortgage Emerald Coast.

Some HighlightsWith all the headlines circulating recently, you may be wondering what’s next for home prices? Here’s what the expert forecasts say.Home prices are still forecast to rise nationally this year, just at a much slower pace. But price trends are going to vary by area.To have a quick conversation about what’s happening in your local market, connect with a real estate agent.

Top 5 Reasons To Hire a Real Estate Agent When You Sell

Written by Emerald Coast Mortgage Syndicated User on July 1, 2025. Posted in Emerald Coast Mortgage, Infographics, Mortgage Emerald Coast.

Some HighlightsThe right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises.With an agent’s help, you’ll know what’s happening in your local market and how to price your house right. You’ll feel confident filling out complex legal documents and at the negotiation table. And that’s priceless.Connect with an agent so you have that expertise on your side.?

Multi-Generational Homebuying Hit a Record High – Here’s Why

Written by Emerald Coast Mortgage Syndicated User on July 1, 2025. Posted in Affordability, Buying Tips, Emerald Coast Mortgage, First-Time Buyers, For Buyers, Mortgage Emerald Coast.

Multi-generational living is on the rise. According to the National Association of Realtors (NAR), 17% of homebuyers purchase a home to share with parents, adult children, or extended family. That’s the highest share ever recorded by NAR (see graph below):And what’s behind the increase? Affordability. NAR explains:“In 2024, a notable 36% of homebuyers cited “cost savings” as the primary reason for purchasing a multigenerational home—a significant increase from just 15% in 2015.”In the past, caregiving was the leading motivator – especially for those looking to support aging parents. And...

What Every Homeowner Needs To Know In Today’s Shifting Market

Written by Emerald Coast Mortgage Syndicated User on July 1, 2025. Posted in Emerald Coast Mortgage, For Sellers, Home Prices, Mortgage Emerald Coast, Selling Tips.

Here’s something you need to know. The housing market is getting back to a healthier, more normal place. And even though it may not sound like it, this shift is actually a good thing.It’s what you should expect. It’s just that our expectations have been skewed by the intense seller’s market over the past few years.But what you need to remember is: there’s still plenty of opportunity to be had if you’re thinking about selling – whether that’s next month or next year. You just need to stay up to date on what’s happening in the market, and have a strategy that matches the moment. Here’s...

Think It’s Better To Wait for a Recession Before You Move? Think Again.

Written by Emerald Coast Mortgage Syndicated User on July 1, 2025. Posted in Economy, Emerald Coast Mortgage, For Buyers, For Sellers, Mortgage Emerald Coast.

Fear of a recession is back in the headlines. And if you’re thinking about buying or selling sometime soon, that may leave you wondering if you should reconsider the timing of your move.A recent survey by John Burns Research and Consulting (JBREC) and Keeping Current Matters (KCM) shows 68% of people are delaying plans to buy or sell due to economic uncertainty.But it may not be for the reason you think. Not everyone is holding off because they’re worried. Some buyers are waiting because they’re hopeful. According to Realtor.com:“In 2025Q1, 3 in 10 (29.8% of) surveyed homebuyers said a...

Fidelity Home Group | What You Really Need To Know About Down Payments

Written by Emerald Coast Mortgage Syndicated User on June 29, 2025. Posted in Emerald Coast Mortgage, Mortgage Emerald Coast.

What You Really Need To Know About Down Payments A lot of people think you have to put 20% down when you buy your first home. But that’s actually a common myth. Connect with a trusted lender to learn more. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips #downpayments

Fidelity Home Group | Why Your Home’s Asking Price Matters More Today

Written by Emerald Coast Mortgage Syndicated User on June 26, 2025. Posted in Emerald Coast Mortgage, Mortgage Emerald Coast.

Why Your Home’s Asking Price Matters More Today Now that there are more homes for sale, the number of price cuts is back at normal levels. Want a proven pricing strategy that works for today’s market? Let’s talk! NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany Data Sources: https://www.realtor.com/news/trends/home-sellers-unrealistic-overpriced-stale/ https://www.realtor.com/research/May-2025-data/ https://www.nar.realtor/sites/default/files/2025-02/consumer-guide-what-goes-into-pricing-your-home-2025-02-05.pdf

Fidelity Home Group | The Big Difference Between Homeowner and Renter Net Worth

Written by Emerald Coast Mortgage Syndicated User on June 18, 2025. Posted in Emerald Coast Mortgage, Mortgage Emerald Coast.

The Big Difference Between Homeowner and Renter Net Worth On average, a homeowner’s net worth is 40 times greater than a renter’s. That’s significant. You certainly don’t have to buy now. But let’s make a plan that fits your timeline so you can grow your net worth too. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips #RentOrBuy #Homeownership Data Sources https://www.federalreserve.gov/publications/files/scf23.pdf

Category: Emerald Coast Mortgage