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Category: Destin FL Mortgage

At Fidelity Home Group, we are Destin Florida mortgage experts! We offer more options, more transparency and a simpler way to find the right mortgage program for your unique situation.

Destin is a city in northwest Florida, in the area known as the Panhandle. It’s known for its Gulf of Mexico beaches and many golf courses, as well as the Destin Harbor Boardwalk. Nature trails pass through the dunes of Henderson Beach State Park in the south, where the coastline is dotted with pine and oak trees sheltering wildlife. To the west are the tall slides, waterfalls and pools of Big Kahuna’s water park

Avoid the Rental Trap in 2022

Are you one of the many renters thinking about where you’ll live the next time your lease is up? Before you decide whether to look for a new house or another apartment, it’s important to understand the true costs of renting in 2022. As a renter, you should know rents have been rising since 1988 (see graph below): In 2021, rents grew dramatically. According to ApartmentList.com, since January 2021: “. . . the national median rent has increased by a staggering 17.8 percent. To put that in context, rent growth from January to November averaged just 2.6 percent in the pre-pandemic years from...

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How Much Do You Need for Your Down Payment?

As you set out on your homebuying journey, you likely have a plan in place, and you’re working on saving for your purchase. But do you know how much you actually need for your down payment? If you think you have to put 20% down, you may have set your goal based on a common misconception. Freddie Mac says: “The most damaging down payment myth—since it stops the homebuying process before it can start—is the belief that 20% is necessary.” Unless specified by your loan type or lender, it’s typically not required to put 20% down. According to the Profile of Home Buyers and Sellers from the National...

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Florida Mortgage | Why You Shouldn’t Sell Your House on Your Own

Florida Mortgage | Why You Shouldn’t Sell Your House on Your Own | There’s more to selling your house than putting up a For Sale sign. Let’s connect so you have an expert on your side when you’re ready to sell. NMLS ID 1834853 #floridamortgage #floridamortgagerates #floridamortgagecompany

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Why Selling Your House with a Real Estate Professional Is Essential

Selling your house is no simple task. And when you sell on your own – known as a FSBO (or For Sale by Owner) – you’re responsible for handling some of the more difficult aspects of the process without the expert guidance you need. The 2021 Profile of Home Buyers and Sellers from the National Association of Realtors (NAR) surveys homeowners who recently sold their house on their own and asks what difficulties they faced. Those sellers say some of the biggest headaches are prepping their house for sale, pricing it right, and handling the required paperwork. Working with an agent is the best way...

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Expert Insights on the 2022 Housing Market

As we move into 2022, both buyers and sellers are wondering, what’s next? Will there be more homes available to buy? Will prices keep climbing? How high will mortgage rates go? For the answer to those questions and more, we turn to the experts. Here’s a look at what they say we can expect in 2022. Odeta Kushi, Deputy Chief Economist, First American: “Consensus forecasts put rates at about 3.7% by the end of next year. So, that’s still historically low, but certainly higher than they are today.” Danielle Hale, Chief Economist, realtor.com: “Affordability will increasingly be a challenge...

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5 Tips for Making Your Best Offer on a Home

As a buyer in a sellers’ market, sometimes it can feel like you’re stuck between a rock and a hard place. When you’re ready to make an offer on a home, remember these five easy tips to help you rise above the competition. 1. Know Your Budget Knowing your budget and what you can afford is critical to your success as a homebuyer. The best way to understand your numbers is to work with a lender so you can get pre-approved for a loan. As Freddie Mac puts it: “This pre-approval allows you to look for a home with greater confidence and demonstrates to the seller that you are a serious buyer.” Showing...

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Key Things To Avoid After Applying for a Mortgage

Once you’ve found your dream home and applied for a mortgage, there are some key things to keep in mind before you close. It’s exciting to start thinking about moving in and decorating your new place, but before you make any large purchases, move your money around, or make any major life changes, be sure to consult your lender – someone who’s qualified to explain how your financial decisions may impact your home loan. Here’s a list of things you shouldn’t do after applying for a mortgage. They’re all important to know – or simply just good reminders – for the process. 1. Don’t Deposit Cash...

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Florida Mortgage | Your House Could Be the Gift That Keeps Giving This Holiday Season

Florida Mortgage | Your House Could Be the Gift That Keeps Giving This Holiday Season. Many buyers are searching for a home right now, but there aren’t enough for sale. Let’s connect to start the process of selling your home this winter. NMLS ID 1834853 #floridamortgage #floridamortgagerates #floridamortgagecompany

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