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Tag: #keywestmortgagerates

Four Ways Your Home Equity Can Work for You

Written by Key West Mortgage Syndicated User on . Posted in Equity, For Sellers, Key West Florida News, Key West News.

You may have heard homeowners today have a lot of equity built up. But what does that really mean? Let’s break it down.Because your equity isn’t just a number, it’s a powerful asset that can help you take your next big step in life.How Much Equity Does the Typical Homeowner Have?Here’s how it works. As you pay down your loan and home prices rise through the years, the share of your home that you own free and clear grows. That’s your equity.And according to data from the Census and ATTOM, two-thirds of homeowners have a substantial amount of it today.39% own their home outright without owing...

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Inventory Is Making a Comeback in 2026

Written by Key West Mortgage Syndicated User on . Posted in For Buyers, Forecasts, Inventory, Key West Florida News, Key West News.

After a long stretch where buyers were competing for too few homes, inventory has made a comeback over the past year. And depending on where you live, that’s opening up your options in a meaningful way. According to Realtor.com, the number of homes available for sale in January was the highest it’s been since 2020. Here’s why that’s such a big deal. Getting back to pre-pandemic levels signals a slow and steady return to what’s typical:Now, it’s worth noting, nationally we’re not there yet – and having more inventory improving won’t suddenly “fix” the market. But the growth we’ve seen lately...

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Why Townhomes Are Popular with Today’s First-Time Buyers

Written by Key West Mortgage Syndicated User on . Posted in Affordability, First-Time Buyers, Key West Florida News, Key West News, New Construction.

Buying your first home can feel frustrating when the numbers don’t line up the way you expected. You may know you’re ready but finding something that fits your life and your budget is the hard part.That’s where townhomes come in.Townhomes are becoming a bigger part of today’s housing supply, and that shift is opening doors for first-time buyers in a way we haven’t seen in years. That’s because they offer a more realistic path to step into homeownership without stretching yourself too thin, especially in a market where affordability can still feel tight.There Are More Townhomes To Choose...

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Top 3 Reasons To Buy a Home Before Spring

Written by Key West Mortgage Syndicated User on . Posted in Buying Tips, For Buyers, Home Prices, Key West Florida News, Key West News, Mortgage Rates.

If you’re planning to buy a home this year, you may be focused on the spring market. And hoping that when spring does hit, you’ll see:Mortgage rates drop a little more.More homes hit the market.But here’s what most buyers don’t realize. Buying just a few weeks earlier could mean paying less, dealing with less stress, and feeling less rushed.Here are three reasons why accelerating your timeline over the next few weeks could actually be a better play.1. Holding Out for Lower Rates May Not Pay Off A lot of buyers are hoping mortgage rates will fall even further. But that’s not the best...

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Florida Home Buyers

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

Florida home buyers, struggling with income verification for your first home? Many first-time buyers face this roadblock because traditional documents don’t show the full picture. Bank Statement Mortgages let you qualify using your bank statements instead of W2s, tax returns, or pay stubs. Whether you’re self-employed or have seasonal income, this program offers flexibility with various down payment options and supports financing for primary, secondary, or investment properties. You can finance up to 90% LTV with credit scores starting at 660. No reserves needed on loans 65%...

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Lenders denying your DSCR loans?

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

Lenders denying DSCR loans? You’re not alone. Many investors face the same challenge when applying through traditional lenders. Fidelity Home Group offers a solution that doesn’t require personal income verification…but can use it if needed. Our DSCR loan program is designed to help you qualify using your property’s cash flow. We understand the local market and have helped numerous Florida investors secure financing with fewer hurdles. Our team is available evenings and weekends to guide you through a smooth process. Start your journey today—no personal...

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Understanding Second Home Rates

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

? Buying a second home in Florida? Here’s what you need to know about second rates. • These loans can have different rates than primary home mortgages. • Florida second home properties are commonly non-warrantable condos or condotels along the coast. • Second homes are used less than 180 days a year. Learn more about our second home mortgage programs: https://www.fidelityhomegroup.com/second-home-mortgages/ Got questions? Drop what you need to know below! ? ? Link in profile #FloridaHomes #SecondHomeLoans #NonWarrantableCondo #EmeraldRealEstate #HomeBuyingTips #Condotels

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Veterans VA Loans

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

?? Veterans in Orlando, here’s a homebuying option that may fit your needs. The VA loan lets you buy a home with no money down and no private mortgage insurance. You don’t need perfect credit—just a 620 score or higher. It offers simplified approval and can cover loans up to $4 million, including jumbo loans. Did you know VA loans can lower your monthly payments and don’t have pre-payment penalties? Whether you served 90 days in wartime or 6 years in the reserves, you might qualify. Start by getting a pre-approval to see your VA rate quote. Curious if a VA loan suits your plans? Reach...

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When the loan details finally come into focus!

Written by Key West Mortgage Syndicated User on . Posted in Florida Keys Mortgage, Mortgage Florida Keys.

Ever feel blindsided by trying to get a self-employed mortgage? Our self-employed mortgage programs lift the curtain on options like bank statement and asset qualifier loans, making complex deals crystal clear. Ready for your home spotlight? Comment your city below! #FloridaLoans #SelfEmployedMortgages #HomeBuyingTips #MortgageMadeSimple #FidelityHomeGroup

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