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Category: Naples Florida Mortgage

At Fidelity Home Group, we are Naples Florida mortgage experts! We offer more options, more transparency and a simpler way to find the right mortgage program for your unique situation.

Naples is a city on the Gulf of Mexico in southwest Florida that’s known for high-end shopping and golf courses. The Naples Pier, first erected in 1888, is the city’s symbol, and is a popular fishing and dolphin-spotting destination. It’s flanked by miles of beaches with calm waters and fine white “sugar” sand, including those at Clam Pass Park and Delnor-Wiggins Pass State Park. 

Naples Florida real estate is known for its elegance and sophistication, it’s also known for being one of the top golf destinations in the U.S. The combination of the finest Florida golf communities along with the world-class shopping districts, dining, arts, culture and the Gulf of Mexico with the best winter weather makes Naples golf communities the first choice among those seeking the best in a Golf-oriented lifestyle.

Pop Quiz: Can You Define These Key Terms in Today’s Housing Market? [INFOGRAPHIC]

Written by Naples Mortgage Syndicated User on . Posted in Naples Florida Mortgage, Naples Mortgage.

Some Highlights The language of buying and selling a home may sound scary at first, but knowing how key terms relate to today’s market can help you. For example, current low mortgage rates and higher wages positively impact affordability for buyers, while home price appreciation continues to grow home equity, which sellers can use to fuel a move up. Terms like appraisal (what lenders rely on to validate a home’s value) and contingencies (which buyers can minimize to make their offer stand out) directly impact the transaction. You don’t need to be fluent in the language of the market to buy...

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Today’s Real Estate Market Explained Through 4 Key Trends

Written by Naples Mortgage Syndicated User on . Posted in Naples Florida Mortgage, Naples Mortgage.

As we move into the second half of the year, one thing is clear: the current real estate market is one for the record books. The exact mix of conditions we have today creates opportunities for both buyers and sellers. Here’s a look at four key components that are shaping this unprecedented market. A Shortage of Homes for Sale Earlier this year, the number of homes available for sale fell to an all-time low. In recent months, however, inventory levels are starting to trend up. The latest Monthly Housing Market Trends Report from realtor.com says: “In June, newly listed homes grew by 5.5% on...

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Remote Work Has Changed Our Home Needs. Is It Time for Your Home To Change, Too?

Written by Naples Mortgage Syndicated User on . Posted in Naples Florida Mortgage, Naples Mortgage.

Over the past year, many homeowners realized what they need in a home is changing, especially with the rise in remote work. If you’re longing for a dedicated home office or a change in scenery, now may be the time to find the home that addresses your evolving needs. Working from Home Isn’t a Passing Fad Before the pandemic, only 21% of individuals worked from home. However, if you’ve recently discovered remote work is your new normal, you’re not alone. A survey of hiring managers conducted by Statista and Upwork projects 37.5% of U.S. workers will work remotely in some capacity over the next...

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3 Charts That Show This Isn’t a Housing Bubble

Written by Naples Mortgage Syndicated User on . Posted in Naples Florida Mortgage, Naples Mortgage.

With home prices continuing to deliver double-digit increases, some are concerned we’re in a housing bubble like the one in 2006. However, a closer look at the market data indicates this is nothing like 2006 for three major reasons. 1. The housing market isn’t driven by risky mortgage loans. Back in 2006, nearly everyone could qualify for a loan. The Mortgage Credit Availability Index (MCAI) from the Mortgage Bankers’ Association is an indicator of the availability of mortgage money. The higher the index, the easier it is to obtain a mortgage. The MCAI more than doubled from 2004 (378) to 2006...

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What You Should Do Before Interest Rates Rise

Written by Naples Mortgage Syndicated User on . Posted in Naples Florida Mortgage, Naples Mortgage.

In today’s real estate market, mortgage interest rates are near record lows. If you’ve been in your current home for several years and haven’t refinanced lately, there’s a good chance you have a mortgage with an interest rate higher than today’s average. Here are some options you should consider if you want to take advantage of today’s current low rates before they rise. Sell and Move Up (or Downsize) Many of today’s homeowners are rethinking what they need in a home and redefining what their dream home means. For some, continued remote work is bringing about the need for additional space....

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