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Category: Mortgage Fort Walton Beach

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

Fort Walton Beach is a small city in the Florida Panhandle. It’s known for fine white-sand beaches on adjacent Okaloosa Island. The island’s Gulfarium Marine Adventure Park is home to dolphins, penguins and alligators. The Indian Temple Mound Museum includes the prehistoric Temple Mound and Native American artifacts. Northeast, the Air Force Armament Museum displays artifacts and aircraft from WWI to the present.

What Buyers Need To Know About Homeowners Association Fees

Written by Fort Walton Beach Mortgage Syndicated User on . Posted in Buying Tips, First-Time Buyers, For Buyers, Fort Walton Beach Mortgage, Mortgage Fort Walton Beach.

When buying a home, you’re probably thinking about mortgage rates, home prices, your down payment, and maybe even your closing costs. But you may not be thinking about homeowners association (HOA) fees. While you won’t necessarily have these, you should know it’s a possibility, depending on where you decide to live.A homeowners association is basically an organization that oversees a housing community (including shared spaces) and sets and enforces rules for things like upkeep. Some buyers love the perks that come with an HOA, others may see the fees as an extra expense. The key is knowing...

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You Could Use Some of Your Equity To Give Your Children the Gift of Home

Written by Fort Walton Beach Mortgage Syndicated User on . Posted in Equity, For Sellers, Fort Walton Beach Mortgage, Mortgage Fort Walton Beach.

If you’re a homeowner, chances are you’ve built up a lot of wealth – just by living in your house and watching its value grow over time. And that equity? It’s something that could help change your child’s life.Since affordability is still a challenge, a lot of first-time buyers are struggling to buy a home in today’s market. Even if they have a stable job and a solid plan, buying can still feel out of reach. But that’s where your equity could make all the difference.To give you an idea, the average homeowner with a mortgage has $311,000 worth of equity, according to Cotality (formerly...

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Housing Market Forecasts for the Second Half of 2025

Written by Fort Walton Beach Mortgage Syndicated User on . Posted in Buying Tips, For Buyers, Forecasts, Fort Walton Beach Mortgage, Infographics, Mortgage Fort Walton Beach, Mortgage Rates.

Some HighlightsAre you wondering what to expect if you buy or sell a home in the second half of the year? Here’s what the expert forecasts tell you.Mortgage rates are expected to come down slightly. There will be more homes available for sale. And as inventory rises, home price growth will moderate.Want to know what this could mean for your plans? Connect with a local agent and talk through it together.

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Why Would I Move with a 3% Mortgage Rate?

Written by Fort Walton Beach Mortgage Syndicated User on . Posted in For Sellers, Fort Walton Beach Mortgage, Mortgage Fort Walton Beach, Mortgage Rates, Selling Tips.

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go. And even if you’ve toyed with the idea of moving, this nagging thought may be holding you back: “why would I give that up?”But when you ask that question, you may be putting your needs on the back burner without realizing it. Most people don’t move because of their mortgage rate. They move because they want or need to. So, let’s flip the script and ask this instead: What are the chances you’ll still be in your current house 5 years from now?Think about your life for a moment. Picture what the next few years will...

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Don’t Let Student Loans Hold You Back from Homeownership

Written by Fort Walton Beach Mortgage Syndicated User on . Posted in Buying Tips, First-Time Buyers, For Buyers, Fort Walton Beach Mortgage, Mortgage Fort Walton Beach.

Did you know? According to a recent study, 72% of people with student loans think their debt will delay their ability to buy a home. Maybe you’re one of them and you’re wondering:Do you have to wait until you’ve paid off those loans before you can buy your first home?Or is it possible you could still qualify for a home loan even with that debt?Having questions like these is normal, especially when you’re thinking about making such a big purchase. But you should know, you may be putting your homeownership goals on the backburner unnecessarily.Can You Qualify for a Home Loan if You Have...

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Why Buyers Are More Likely To Get Concessions Right Now

Written by Fort Walton Beach Mortgage Syndicated User on . Posted in Buying Tips, For Buyers, Fort Walton Beach Mortgage, Mortgage Fort Walton Beach.

Especially in areas where inventory is rising, both homebuilders and sellers are sweetening the deal for buyers with things like paid closing costs, mortgage rate buy-downs, and more. In the industry, it’s called a concession or an incentive.What Are Concessions and Incentives?When a seller or builder gives you something extra to help with your purchase, that’s called either a concession or an incentive. A concession is something a seller gives up or agrees to in order to reach a compromise and close a deal. An incentive, on the other hand, is a benefit a builder or seller advertises and...

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Home Projects That Boost Value

Written by Fort Walton Beach Mortgage Syndicated User on . Posted in Equity, For Sellers, Fort Walton Beach Mortgage, Mortgage Fort Walton Beach, Selling Tips.

Whether you’re planning to move soon or not, it’s smart to be strategic about which home projects you take on. Your time, energy, and money matter – and not all upgrades offer the payoff you might expect. As U.S. News Real Estate explains:“. . . not every home renovation project will increase the resale value of a home. Before you invest in a swimming pool or new addition, you should consider whether the project will pay itself off by getting prospective buyers in the door when it’s time to sell.“That’s why, before you pick up a power tool or call a contractor, your first step...

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