Tag: #staugustinecondotelfinancing

Thinking About Waiting for Lower Mortgage Rates? Read This First.

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in Affordability, Buying Tips, Economy, For Buyers, Forecasts, Mortgage Rates, St. Augustine, St. Augustine Mortgage.

Imagine waiting a year to buy a home, only to find mortgage rates haven’t changed much. That may sound frustrating.But it’s a real possibility.A lot of people are putting their plans on hold because they believe much lower mortgage rates are right around the corner. But, based on today’s forecasts, that may not happen. And you should know that before you decide what to do.Let’s look at why experts don’t expect a dramatic drop in rates – and the options that could help you buy anyway. Because even if rates don’t fall, you can still move. Here’s how.1. Mortgage...

Big Investors Are Backing Off and That’s Your Opening

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in First-Time Buyers, For Buyers, St. Augustine, St. Augustine Mortgage.

For years, a lot of would-be homebuyers have worried about the same thing. How do you compete with big investors who can swoop in, pay cash, and snap up the houses you want?Well, worry a little less. Because right now, those big investors aren’t buying up the market. They’re backing out of it.Investors Are Buying Fewer Homes Than They Have in YearsAccording to Redfin, investor home purchases just fell to their lowest level since 2020 – when the start of the pandemic temporarily caused pretty much all homebuying to pull way back. Before that, you’d have to go all the way...

Here’s Where To Start if You’re Selling and Buying at the Same Time

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in St. Augustine, St. Augustine Mortgage.

If you’re a homeowner getting ready to move, one question usually comes first: should you buy your next home before you sell, or sell your current house before you start looking?There’s no single right answer. The best call depends on your finances, your local market, and your timeline. And a trusted agent can help you weigh all of it.But in a lot of cases these days, selling first puts you in the stronger spot.The Advantages of Selling FirstSelling is usually the trickier half of a move today, so getting it done first clears your biggest hurdle. And that’s especially true right...

A Self-Guided Tour of the Best Desserts in St. Augustine

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in Food, Oldcity, Restaurants, St. Augustine, St. Augustine Mortgage, Where to Eat.

Watch chocolatiers at work before sampling some of Whetstone’s signature chocolates. Photo courtesy of Whetstone Chocolate’s website. Historic landmarks are great, but fresh pastries before 10 a.m.? Also important. If you’re searching for the best desserts in St. Augustine, skip the debate over where to go and turn it into a self-guided tour instead. Coffee first. Chocolate later. Ice cream before anyone can talk you out of it. The city’s bakeries, chocolate shops, and frozen treat stops are close enough to string together into an afternoon that’s just as satisfying as any sightseeing...

A St. Augustine Summer Bucket List: 7 Must-Do Experiences

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in Community, Family-Friendly Activities St. Augustine, St. Augustine, St. Augustine Mortgage, St. Augustine summer, Summer, Things to Do.

There’s no better way to experience a St. Augustine summer than by paddling through its scenic salt marshes, where guided Eco Tours offer a closer look at the region’s wildlife and natural beauty. Some vacations are remembered by the landmarks you photographed. Others stand out because of the experiences you managed to fit into a few days away. If you’re visiting during the warmer months, a St. Augustine summer bucket list is a fun way to mix a few local favorites into your plans without turning every day into a race from one attraction to the next. That could mean taking the ferry to Fort...

Five Historic St. Augustine Streets Every Visitor Should Walk

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in About OldCity, History & Heritage, Sight Seeing, St. Augustine, St. Augustine Mortgage, Things to Do, Walking tours, What to Do.

Palm trees line St. George Street in the heart of St. Augustine’s historic district. A day in downtown St. Augustine never goes exactly as planned. You head toward the Castillo de San Marcos National Monument, then catch the smell of fresh empanadas drifting from the Spanish Bakery on St. George Street. A few minutes later you’re peeking into an art gallery on Aviles Street or squeezing onto Treasury Street to see why a road barely wide enough for a car has become a favorite spot for photographers. Suddenly, the afternoon looks different than it did when you left your hotel. That isn’t...

See Today’s Mortgage Rates

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

Considering a new investment property in Florida but worried about timing? Bridge loans might be the solution you need. They provide short-term financing, letting you act quickly without waiting to sell your current property first. This means you can close deals faster and make seamless transitions between properties. A bridge loan gives you flexibility and speeds up your ability to seize opportunities in Florida’s competitive market. It’s a tool that keeps your investment moving forward without delays. If you’re looking to invest smartly and efficiently, understanding...

DSCR Loans Explained

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

Looking to invest in Florida real estate? ? Understanding DSCR mortgages can open new doors. Unlike traditional loans, these focus on the property’s income, not your personal salary. This means you could qualify without showing personal tax returns. DSCR loans are great for purchase or refinancing, allowing up to $5 million and can include Condotels and Non-Warrantable Condos. With credit scores starting at 660 and down payments from 20%, these loans make investment property financing more accessible. Plus, there’s no limit on the number of properties you can finance. Many...

Miami’s Iconic Condo Skyline

Written by St. Augustine Mortgage Syndicated User on August 7, 2026. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

Start your home purchase qualifier with no personal info. Struggling to qualify for loans without traditional income proof? DSCR mortgages let your investment property’s cash flow do the talking. Use your property’s income, not your paystub. This program supports purchases and refinances with flexible down payments and credit requirements. Qualify with a minimum credit score of 660 and no personal income verification—perfect if you rely on rental income or own an LLC. Understand the clear rules on down payments, reserve requirements, and loan limits. Get your rate and see how DSCR...

Stay or Sell? How To Make the Right Call as You Age

Written by St. Augustine Mortgage Syndicated User on April 29, 2026. Posted in Agent Value, Downsize, For Sellers, Selling Tips, Senior Market, St. Augustine, St. Augustine Mortgage.

At some point, as you start thinking about the years ahead, this question tends to come up:“Could I stay here long-term… or would it make more sense to move?”It’s not always urgent. It often shows up in small moments, like going up and down the stairs, keeping up with the maintenance, or just thinking about what the next chapter of your life might look like in this home.And for most people, the answer is simple. They want to stay.The USC Leonard Davis School of Gerontology found about 90% of adults over 65 prefer to stay in their homes as they get older (see below):But even if staying feels...