3 Reasons Affordability Is Showing Signs of Improvement This Fall

Written by St. Augustine Mortgage Syndicated User on September 22, 2025. Posted in Affordability, Buying Tips, For Buyers, St. Augustine, St. Augustine Mortgage.

For the past couple of years, it’s been tough for a lot of homebuyers to make the numbers work. Home prices shot up. Mortgage rates too. And a number of people hit pause because it just didn’t feel possible. Maybe you were one of them.But there’s some encouraging news. If you’ve been waiting for a better time to jump back in, affordability may finally be showing signs of improvement this fall.The latest data from Redfin shows the typical monthly mortgage payment has been coming down, and is now about $290 lower than it was just a few months ago (see graph below):And here’s why this is...

Lighthouse Boat Ramp

Written by St. Augustine Mortgage Syndicated User on September 19, 2025. Posted in St. Augustine, St. Augustine Mortgage.

The Lighthouse Boat Ramp in St. Augustine Park offers public boat launching with convenient parking for vehicles and trailers nearby. With about 12 dedicated spaces and additional parking in the surrounding area, boaters also have trailer parking along Red Cox Drive. Dinghy storage racks are available for mooring renters. Please note, overnight parking and boat storage are not allowed. When parking, please be considerate and move your boat to allow space for others.

Do You Know How Much Your House Is Really Worth?

Written by St. Augustine Mortgage Syndicated User on September 18, 2025. Posted in Equity, For Sellers, Selling Tips, St. Augustine, St. Augustine Mortgage.

Want to know something important you probably don’t have a professional check for you nearly as often as you should? Spoiler alert: it’s the value of your home.Because here’s the reality. Your house is likely the biggest financial asset you have. And if you’ve lived in it for a few years or more, chances are it’s been quietly building wealth for you in the background – even if you haven’t been keeping tabs on it.You might be surprised by just how much it’s grown, even as the market has shifted over the past few months.What Is Home Equity?That hidden wealth in your home is called equity....

Why Now May Be a Key 2025 Moment To Sell Your House

Written by St. Augustine Mortgage Syndicated User on September 17, 2025. Posted in For Sellers, Mortgage Rates, Selling Tips, St. Augustine, St. Augustine Mortgage.

Mortgage rates are finally heading in the right direction – and buyers are starting to jump back in.According to the data, buyer demand picked up considerably once mortgage rates hit a new low for 2025. The Mortgage Bankers Association (MBA) reports that applications for home loans were up 23% compared to the first week of September last year.If you’ve been waiting to sell, or your listing recently expired because the market was slower than you hoped it would be, now’s the time to reconsider your move. Buyer demand is the highest it’s been since July – and you don’t want to miss this...

Partners

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

The protection of Fish Island Preserve was made possible through the collaboration of dedicated partners including the City of St. Augustine, Matanzas Riverkeeper, North Florida Land Trust, and others. From state leaders to grassroots advocates, every contributor played a role in preserving this natural treasure. Special recognition goes to Friends of Fish Island for earning the 2020 Stewards of Heritage Award for their unwavering conservation efforts.

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.

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