Fish Island Preserve

Written by St. Augustine Mortgage Syndicated User on September 16, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Fish Island Preserve, a scenic park located off Plantation Island Drive South, offers tranquil trails, stunning views, and a deep connection to St. Augustine’s cultural heritage. Open daily from sunrise to sunset, it’s a perfect spot for quiet exploration. Notably, 103 volunteers removed over 3,400 pounds of debris during a 2022 community cleanup, underscoring the city’s commitment to preservation and stewardship.

What a Fed Rate Cut Could Mean for Mortgage Rates

Written by St. Augustine Mortgage Syndicated User on September 15, 2025. Posted in Affordability, Economy, For Buyers, Mortgage Rates, St. Augustine, St. Augustine Mortgage.

The Federal Reserve (the Fed) meets this week, and expectations are high that they’ll cut the Federal Funds Rate. But does that mean mortgage rates will drop? Let’s clear up the confusion.The Fed Doesn’t Directly Set Mortgage RatesRight now, all eyes are on the Fed. Most economists expect they’ll cut the Federal Funds Rate at their mid-September meeting to try to head off a potential recession.According to the CME FedWatch Tool, markets are already betting on it. There’s virtually a 100% chance of a September cut. And based on what we know now, there’s about a 92% chance it’ll be a...

Patience Won’t Sell Your House. Pricing Will.

Written by St. Augustine Mortgage Syndicated User on September 11, 2025. Posted in For Sellers, Home Prices, Selling Tips, St. Augustine, St. Augustine Mortgage.

Waiting for the perfect buyer to fall in love with your house? In today’s market, that’s usually not what’s holding things up. And here’s why.Let’s be real. Homes are taking a week longer to sell than they did a year ago. According to Realtor.com:“Homes are also taking longer to sell. The typical home spent 60 days on the market in August, seven days longer than last year and now above pre-pandemic norms for the second consecutive month. This was the 17th straight month of year-over-year increases in time on market.”Part of that is because there are more homes on the market. So, with more...

Top 10 Things to Do in St. Augustine in September

Written by St. Augustine Mortgage Syndicated User on September 11, 2025. Posted in Art, Art, Culture & Music, Attractions & Sightseeing, Beaches, Culture & Music, Fall, Fall Activities, Family Friendly, Food, History & Heritage, St. Augustine, St. Augustine Festivals, St. Augustine Mortgage, Things to Do.

Photo Credit: trolleytours.com 1. Take Advantage of September Locals’ Discounts September is officially “Locals Month” in St. Augustine, and it comes with some serious perks. St. Johns and Flagler County residents can enjoy free or deeply discounted admission to dozens of attractions. Think of it as the city’s way of saying thanks to its hometown crowd, while also inviting folks to explore places they might usually skip. Some highlights: Ripley’s Believe It or Not! The Villa Zorayda Museum typically offer 50% off The St. Augustine Alligator Farm gives locals 30% off admission with valid...

Citizen Awards

Written by St. Augustine Mortgage Syndicated User on September 11, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Discover the prestigious awards presented by the St. Augustine City Commission recognizing exceptional service to the community. Learn about the Citizenship Awards for graduating seniors, the Adelaide Sanchez Award for Historic Preservation, the esteemed Order of La Florida, the de Aviles Award for public service and the Red Cedar Award for Environmental Impact.

Mortgage Rates Just Saw Their Biggest Drop in a Year

Written by St. Augustine Mortgage Syndicated User on September 10, 2025. Posted in Affordability, Economy, First-Time Buyers, For Buyers, Mortgage Rates, St. Augustine, St. Augustine Mortgage.

You’ve been waiting for what feels like forever for mortgage rates to finally budge. And last week, they did – in a big way.On Friday, September 5th, the average 30-year fixed mortgage rate fell to the lowest level since October 2024. It was the biggest one-day decline in over a year.What Sparked the Drop?According to Mortgage News Daily, this was a reaction to the August jobs report, which came out weaker-than-expected for a second month in a row. That sent signals across the financial markets, and then mortgage rates came down as a result.Basically, we’re seeing signs the economy...

Why 50% of Homes Are Selling for Under Asking and How To Avoid It

Written by St. Augustine Mortgage Syndicated User on September 8, 2025. Posted in For Sellers, Home Prices, Selling Tips, St. Augustine, St. Augustine Mortgage.

If your selling strategy still assumes you’ll get multiple offers over asking, it’s officially time for a reset. That frenzied seller’s market is behind us. And here are the numbers to prove it. From Frenzy to “Normal”Right now, about 50% of homes on the market are selling for less than their asking price, according to the latest data from Cotality.But that isn’t necessarily bad news, even if it feels like it. Here’s why. The wild run-up over the last few years was never going to be sustainable. The housing market needed a reset, and data shows that’s exactly what’s happening right now.The...

Panhandling and Solicitation

Written by St. Augustine Mortgage Syndicated User on September 6, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Learn about St. Augustine’s City Ordinance 2018-06, which regulates panhandling and solicitation to protect public safety while respecting individual rights. Find out about restricted areas, aggressive panhandling prohibitions, and access related documents and FAQs.

Flood Risk Map

Written by St. Augustine Mortgage Syndicated User on September 5, 2025. Posted in St. Augustine, St. Augustine Mortgage.

View an interactive map to determine your flood risk.

Builder Incentives Reach 5-Year High

Written by St. Augustine Mortgage Syndicated User on September 4, 2025. Posted in Buying Tips, For Buyers, Move-Up, New Construction, St. Augustine, St. Augustine Mortgage.

Even with more homes on the market right now, some buyers are still having a tough time finding the right one at the right price. Maybe the layout feels off. Maybe it still needs some updating. Or maybe it’s just more of the same.That’s why more buyers are turning to new construction – and finding some of the best deals available today.Why? Today, many builders have more homes that are finished and sitting on the market than normal. And that means they’re motivated to sell. They’re running a business, and they don’t want to sit on their inventory. They want to sell it before they build more...

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