What Mortgage Delinquencies Tell Us About the Future of Foreclosures

Written by St. Augustine Mortgage Syndicated User on September 3, 2025. Posted in Economy, For Buyers, For Sellers, Foreclosures, St. Augustine, St. Augustine Mortgage.

You may be seeing headlines about how foreclosures are rising. And if that makes you nervous that we’re headed for another crash, here’s what you should know. According to ATTOM, during the housing crash, over nine million people went through some sort of distressed sale (2007-2011). Last year, there were just over 300,000.So, even with the increase lately, we’re talking about numbers that are dramatically lower. But what does the future hold? Is a wave coming? The short answer is, no.Here’s why. Experts in the industry look at mortgage delinquencies (loans that are more than 30 days past...

Thinking About Renting Your House Instead of Selling? Read This First.

Written by St. Augustine Mortgage Syndicated User on September 1, 2025. Posted in For Sellers, St. Augustine, St. Augustine Mortgage.

If your house is on the market but you haven’t gotten any offers you’re comfortable with, you may be wondering: what do I do if it doesn’t sell? And for a growing number of homeowners, that’s turning into a new dilemma: should I just rent it instead?There’s a term for this in the industry, and it’s called an accidental landlord. Here’s how Yahoo Finance defines it:“These ‘accidental landlords’ are homeowners who tried to sell but couldn’t fetch the price they wanted — and instead have decided to rent out their homes until conditions improve.”Why This Is Happening More Often Right NowAnd...

Halloween in St. Augustine: Ghost Tours, Pumpkin Patches & Spooky Fun

Written by St. Augustine Mortgage Syndicated User on August 30, 2025. Posted in Attractions & Sightseeing, City Blog, Fall, Fall Activities, Family Friendly, family Halloween events St. Augustine, ghost walks St. Augustine, Halloween events St. Augustine 2025, Halloween in St. Augustine, haunted attractions St. Augustine, haunted St. Augustine, Holiday Events, Night Life, paranormal St. Augustine, pumpkin patches near St. Augustine, Special Events, St. Augustine, St. Augustine fall festivals, St. Augustine ghost tours, St. Augustine Mortgage, Things to Do, things to do in St. Augustine in October, What to Do.

Image by Pam Patterson from Pixabay Halloween in St. Augustine is more than just costumes and candy! It’s a full season of celebration that blends fall fun with the rich (and haunted) history of the nation’s oldest city. From spooky ghost tours and pumpkin patches to family festivals and haunted houses, there’s something for everyone to enjoy throughout October. Whether you’re looking for kid-friendly activities or a fright-filled night out, this guide overs the best ways to celebrate Halloween in St. Augustine. Ghost Tours in St. Augustine GhoSt Augustine Paranormal Tours When it comes to...

Planning and Studies

Written by St. Augustine Mortgage Syndicated User on August 30, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Explore the City of St. Augustine’s ongoing and completed planning studies aimed at mitigating flooding risks. Learn about our work with the Army Corps of Engineers on the Back Bay Feasibility Study, our comprehensive vulnerability assessments, and other crucial initiatives to protect public safety and infrastructure from rising sea levels and extreme rainfall.

WWTF Climate Resilience Planning Analysis (PDF)

Written by St. Augustine Mortgage Syndicated User on August 30, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Floodplain Management Plan Annual Progress Report (PDF)

Written by St. Augustine Mortgage Syndicated User on August 30, 2025. Posted in St. Augustine, St. Augustine Mortgage.

What Everyone’s Getting Wrong About the Rise in New Home Inventory

Written by St. Augustine Mortgage Syndicated User on August 28, 2025. Posted in For Buyers, New Construction, St. Augustine, St. Augustine Mortgage.

You may have seen talk online that new home inventory is at its highest level since the crash. And if you lived through the crash back in 2008, seeing new construction is up again may feel a little scary.But here’s what you need to remember: a lot of what you see online is designed to get clicks. So, you may not be getting the full story. A closer look at the data and a little expert insight can change your perspective completely.Why This Isn’t Like 2008While it’s true the number of new homes on the market hit its highest level since the crash, that’s not a reason to worry. That’s because...

September Deals for Locals

Written by St. Augustine Mortgage Syndicated User on August 28, 2025. Posted in Attractions & Sightseeing, City Blog, Community, Deals, Fall, Fall Activities, History & Heritage, Locals, September, Special Events, St. Augustine, St. Augustine Mortgage, Things to Do.

September is the perfect time for locals to fall back in love with St. Augustine. With the summer crowds thinning and cooler evenings on the way, the city is rolling out a wave of special discounts just for St. Johns and Flagler County residents. From scenic boat rides and historic trolley tours to hidden-gem museums and family-friendly attractions, you’ll find plenty of ways to play tourist in your own hometown—without stretching your budget. September Specials Florida Water Tours Florida Water Tours is rolling out special discounts for locals this September with 25% off select cruises...

History Shows the Housing Market Always Recovers

Written by St. Augustine Mortgage Syndicated User on August 27, 2025. Posted in Economy, For Sellers, Forecasts, Selling Tips, St. Augustine, St. Augustine Mortgage.

Now that the market is slowing down, homeowners who haven’t sold at the price they were hoping for are increasingly pulling their homes off the market. According to the latest data from Realtor.com, the number of homeowners taking their homes off the market is up 38% since the start of this year and 48% since the same time last June. For every 100 new listings in June, about 21 homes were taken off the market.And if you’ve made that same choice, you’re probably frustrated things didn’t go the way you wanted. It’s hard when you feel like the market isn’t working with you. But while slowdowns...

Should You Still Expect a Bidding War?

Written by St. Augustine Mortgage Syndicated User on August 25, 2025. Posted in First-Time Buyers, For Buyers, St. Augustine, St. Augustine Mortgage.

If you’re still worried about having to deal with a bidding war when you buy a home, you may be able to let some of that fear go.While multiple-offer situations haven’t disappeared entirely, they’re not nearly as common as they used to be. In fact, a recent survey shows agents reported only 1 in 5 homes (20%) nationally received multiple offers in June 2025.That’s down from nearly 1 in 3 (31%) just a year ago – and dramatically lower than in June 2023 (39%) (see graph below):This trend means you should face less competition when you buy. That gives you more time to make decisions and the...

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