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Tag: #stjohnsflcondotelfinancing

Thinking About Tapping into Your 401(k) To Buy a Home? Read This First.

Written by St. Johns FL Mortgage Syndicated User on . Posted in Affordability, Buying Tips, First-Time Buyers, For Buyers, St. Johns FL Condo Financing, St. Johns FL Mortgage, St. Johns FL Mortgage Rates.

Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home. Maybe you’ve caught the buzz and wondered whether that money could get you into a home faster, especially with affordability as tough as it is. Here’s what you need to remember. Pulling from your retirement savings is a big decision, so take time to weigh all your options first and be sure to talk with a financial expert before you do anything.Why Dipping into a 401(k) Can Be TemptingData from Empower shows many Americans have built up considerable retirement...

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Sellers Are Cutting Prices To Meet Buyers Where They’re At

Written by St. Johns FL Mortgage Syndicated User on . Posted in Affordability, Buying Tips, For Buyers, Home Prices, St. Johns FL Condo Financing, St. Johns FL Mortgage, St. Johns FL Mortgage Rates.

You’re scrolling through listings on your phone and everything looks good until you see the price (or the estimated monthly payment). Then you close the app. Because even if you love the house, the numbers feel impossible. But here’s the thing.Nationally, there are more homes sitting on the market than there are people out there looking. And when sellers need buyers more than buyers need sellers, that shows up in the price.Lower asking prices. More price cuts. And homes priced for what buyers can actually afford – not what sellers hope someone might pay.And it may be enough to...

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

Written by St. Johns FL Mortgage Syndicated User on . Posted in Featured, For Buyers, For Sellers, Home Prices, Inventory, Mortgage Rates, St. Johns FL Condo Financing, St. Johns FL Mortgage, St. Johns FL Mortgage Rates.

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...

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Florida waterfronts and skyline

Written by St. Johns FL Mortgage Syndicated User on . Posted in St. Johns FL Condo Financing, St. Johns FL Mortgage, St. Johns FL Mortgage Rates.

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

Written by St. Johns FL Mortgage Syndicated User on . Posted in For Buyers, For Sellers, Inventory, St. Johns FL Condo Financing, St. Johns FL Mortgage, St. Johns FL Mortgage Rates.

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...

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The Kind of House Buyers Are Willing To Pay More For

Written by St. Johns FL Mortgage Syndicated User on . Posted in Downsize, For Sellers, Home Prices, Selling Tips, St. Johns FL Condo Financing, St. Johns FL Mortgage, St. Johns FL Mortgage Rates.

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...

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

Written by St. Johns FL Mortgage Syndicated User on . Posted in Buying Tips, For Buyers, For Sellers, Selling Tips, St. Johns FL Condo Financing, St. Johns FL Mortgage, St. Johns FL Mortgage Rates.

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...

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