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Author Archives: Gary

RE Q&A: Can HOA Ban Feeding Ducks?

Florida RealtorsBy GaryNovember 14, 2025

Community associations can prohibit feeding ducks if it leads to pests, messes, or other issues. Their rules often allow limits on wildlife feeding to protect shared spaces.

Mortgage Rates: 30-Year Up, 15-Year Down

Florida RealtorsBy GaryNovember 13, 2025

Rates on 30-year mortgages ticked up to 6.24% from 6.22% last week, while 15-year rates averaged 5.49%, down from 5.5% last week, Freddie Mac said.

Housing Programs to Resume After Spending Deal

Florida RealtorsBy GaryNovember 13, 2025

Federal housing programs are resuming after the shutdown ended, restoring FHA, VA, USDA and NFIP activity. Closings may still see delays due to backlogs.

An Open House Playbook That Works

Florida RealtorsBy GaryNovember 13, 2025

A six-step open house strategy stresses staging, clear signage, warm engagement and prompt follow-up to create meaningful connections and win new customers.

Future of a December Rate Cut Unclear

Florida RealtorsBy GaryNovember 13, 2025

Inflation, missing economic data and signs that companies plan to raise prices are raising doubts about whether the Fed will move forward December rate cut.

Bold Design Trends Dominate Fall Decor

Florida RealtorsBy GaryNovember 13, 2025

Owners are embracing bold, highly personal design in late 2025, from vivid colors to textured finishes, even as neutrals are expected to return in 2026  

AI’s Redefining Real Estate Holiday Marketing

Florida RealtorsBy GaryNovember 12, 2025

Agents who tailor holiday marketing for AI-driven searches, mobile users and shareable local content can stand out and turn seasonal interest into new clients.

Fannie Mae Ends Credit Score Minimum

Florida RealtorsBy GaryNovember 12, 2025

Fannie Mae is dropping its 620 minimum credit score rule, giving lenders more flexibility to assess borrower risk without changing core loan standards.

Adjustable Mortgages Gain Ground Again

Florida RealtorsBy GaryNovember 12, 2025

Adjustable-rate mortgages made up about 10% of all mortgage applications in September, the highest share in nearly two years and well above the post-2008 average of 6%.

How the Five Senses Are Shaping Home Design

Florida RealtorsBy GaryNovember 12, 2025

From color and texture to scent and sound, homeowners are using all five senses to create spaces that feel personal, nostalgic and alive.

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