Is the Housing Market Going To Crash? Here’s What Experts Say

Written by St. Augustine Mortgage Syndicated User on October 20, 2025. Posted in Economy, For Buyers, For Sellers, Forecasts, Home Prices, St. Augustine, St. Augustine Mortgage.

If you’ve seen headlines or social posts calling for a housing crash, it’s easy to wonder if home values are about to take a hit. But here’s the simple truth.The data doesn’t point to a crash. It points to slow, continued growth.And sure, it’s going to vary by local area. Some markets will see prices rise more than others. And some may even see small, short-term declines. But the big picture is: home prices are expected to rise nationally, not fall, over the next 5 years.The Real Story Is in the Expert ForecastsIn the Home Price Expectations Survey (HPES) from Fannie Mae, each quarter over...

National Pollutant Discharge Elimination System

Written by St. Augustine Mortgage Syndicated User on October 18, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Learn about the components of St. Augustine’s National Pollutant Discharge Elimination System (NPDES) permit. This page explains our programs for managing construction site runoff, detecting illicit discharges, and implementing public education to protect our local waterways and environment.

Leaves

Written by St. Augustine Mortgage Syndicated User on October 18, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Help prevent street flooding and algal blooms by properly disposing of leaves and yard clippings. This page explains why leaves in the street are a problem for our stormwater system and provides easy options for proper leaf disposal, including curbside pickup and composting.

Fidelity Home Group | How Changing Rates Impact Your Monthly Payment

Written by St. Augustine Mortgage Syndicated User on October 18, 2025. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

How Changing Rates Impact Your Monthly Payment Even a small shift in mortgage rates can make a big difference in your monthly payment. Want to stay on top of rate changes and what they mean for your budget? Let’s connect. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips Data Sources https://www.mortgagecalculator.net/

The $280 Shift in Affordability Every Homebuyer Should Know

Written by St. Augustine Mortgage Syndicated User on October 16, 2025. Posted in Affordability, Buying Tips, First-Time Buyers, For Sellers, Mortgage Rates, Move-Up, St. Augustine, St. Augustine Mortgage.

If you paused your plans to move because of high rates or prices, it may finally be time to take a second look at your numbers. Affordability is improving in 39 of the top 50 markets, according to First American. And that’s the 5th straight month where buying a home has started to get a little bit easier.Let’s break this down into real dollars, so you can see the difference this could make for you (and your move).Monthly Payments Are Coming DownOne of the clearest signs of this shift is in monthly payments. The latest data from Redfin shows mortgage payments on a median-priced home are now...

2026 Housing Market Outlook

Written by St. Augustine Mortgage Syndicated User on October 15, 2025. Posted in For Buyers, For Sellers, Forecasts, Home Prices, Mortgage Rates, St. Augustine, St. Augustine Mortgage.

After a couple of years where the housing market felt stuck in neutral, 2026 may be the year things shift back into gear. Expert forecasts show more people are expected to move – and that could open the door for you to do the same.More Homes Will SellWith all of the affordability challenges at play over the past few years, many would-be movers pressed pause. But that pause button isn’t going to last forever. There are always people who need to move. And experts think more of them will start to act in 2026 (see graph below):What’s behind the change? Two key factors: mortgage rates and home...

Fidelity Home Group | Almost Half of Sellers Are Making Concessions To Get Their House Sold

Written by St. Augustine Mortgage Syndicated User on October 15, 2025. Posted in Mortgage St. Augustine, St. Augustine, St. Augustine Mortgage.

Almost Half of Sellers Are Making Concessions To Get Their House Sold Almost half of sellers are making concessions right now to get their house sold. If you want to know which concessions are working for sellers in our market, reach out. NMLS ID 1834853 #fidelityhomegroup #floridamortgage #floridamortgagerates #floridamortgagecompany #mortgagetips Data Sources https://www.redfin.com/news/home-seller-concessions-march-2025/

Shop Local Spotlight: Boutique Finds & Artisan Crafts

Written by St. Augustine Mortgage Syndicated User on October 14, 2025. Posted in Art, Culture & Music, artisan, boutiques, Community, crafts, Fall Activities, Family Friendly, Food, Shopping, St. Augustine, St. Augustine Mortgage, Things to Do, What to Do.

If there’s one thing St. Augustine does best (aside from history, beaches, and sunshine), it’s shopping local. From one-of-a-kind boutiques to handmade artisan treasures, the city is full of hidden gems just waiting to be discovered. Whether you’re strolling down St. George Street, exploring Aviles, or wandering the coastal neighborhoods, you’ll find plenty of shops where creativity, craftsmanship, and community shine. So grab your reusable tote, slip on some comfy sandals, and let’s go shop local! Why Shop Local in St. Augustine? Shopping local isn’t just about finding something cute to...

Code Enforcement

Written by St. Augustine Mortgage Syndicated User on October 14, 2025. Posted in St. Augustine, St. Augustine Mortgage.

Learn about St. Augustine’s Code Enforcement and Building Department responsibilities, including building permits, inspections, and addressing code violations and public nuisance complaints. Understand what defines a violation or nuisance in the city.

Why More Buyers Are Turning to New Construction This Year

Written by St. Augustine Mortgage Syndicated User on October 13, 2025. Posted in Affordability, Buying Tips, For Buyers, New Construction, St. Augustine, St. Augustine Mortgage.

There’s a trend taking hold in real estate right now: more buyers are choosing newly built homes. And it’s not just about getting the latest technology or modern floorplans. It’s because they may be able to get a better deal.Builders are offering serious incentives today, and people are jumping on them. In fact, new home sales just hit their highest level in over two years (see graph below):Why Builders Are Throwing in PerksThere are more newly built homes for sale right now than there have been in years. And as a buyer, that can help you in two big ways. It gives you more options to choose...

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