Eli O. Sanderlin - Mortgage Advisor, CDLP

08/06/2026

Most people have no idea what they can actually afford, and they're either lowballing themselves out of their dream home or shopping way over budget.

I built a free tool that gives you a real number in 30 seconds. No credit pull, no spam calls, no "talk to a loan officer to see your results."

Just answer 3 questions → see your max price instantly.

👉

Find out how much home you can afford in seconds. Free estimate from The Mortgage Dock.

07/09/2026

[Sent with Free Plan] Reach out with any questions or updates!

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.43
30-Year FHA: 6.22
30-Year VA: 6.03
30-Year USDA: 6.13

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

07/02/2026

[Sent with Free Plan] Reach out with any questions or updates!

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.35
30-Year FHA: 6.14
30-Year VA: 5.97
30-Year USDA: 6.05

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

06/25/2026

[Sent with Free Plan] Reach out with any questions or updates!

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.35
30-Year FHA: 6.15
30-Year VA: 5.97
30-Year USDA: 6.04

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

06/17/2026

🚨 The Fed changed the conversation today.

For months, the market has been asking:

“When will rates come down?”

After today’s Federal Reserve meeting, the better question may be:

“What if rates stay higher for longer?”

Chairman Kevin Warsh made one thing clear:

📈 Inflation remains the priority.

The Fed held rates steady, but the tone was noticeably more hawkish than many investors expected. The result?

🏦 The 10-Year Treasury jumped to nearly 4.50%.

📊 Bond markets began pricing in a greater possibility of future tightening.

🏠 Mortgage rates remain under pressure.

But here’s what I think many buyers and Realtors are missing…

The best opportunities in today’s market aren’t being created by lower rates.

They’re being created by:

✅ Seller concessions

✅ Temporary buydowns

✅ More inventory choices

✅ Better negotiation leverage

✅ Strategic financing

The buyers who win this market won’t be the ones who perfectly predict the next Fed move.

They’ll be the ones who have a plan before everyone else does.

For Realtors:

Affordability conversations matter more than rate predictions.

For Buyers:

The right property at the right terms often creates more wealth than waiting for the “perfect” rate.

What are you seeing in your market right now?

Are buyers adapting to today’s market, or are they still sitting on the sidelines waiting for rates to fall?

🚢 The Edge Behind Every Coastal Closing.

06/11/2026

Marathon’s market is giving buyers a little breathing room right now.

Median list price is around $1.84M, inventory is holding near 172 homes, and the Market Action Index is sitting at 27, which points to a slight buyer’s advantage.

That does not mean prices are crashing.

It means strategy matters.

In the Keys, the best deal is not always the lowest price. It is the deal where the full monthly number actually works.

Purchase price is only one piece.

You still have to look at:

Insurance
Flood zone
Property condition
Rental potential
HOA or condo risk
Cash to close
Loan structure
Long term carrying cost

That is where a lot of buyers either win or get themselves in trouble.

A waterfront home can look beautiful online, but the numbers need to make sense after the insurance quote, taxes, flood requirements, reserves, and financing are all on the table.

The view is great.

The spreadsheet still has to behave. 😄

For buyers, this market may create more room to negotiate and structure a smarter deal.

For sellers, pricing correctly and understanding buyer payment pressure matters more than ever.

For Realtors, this is exactly the kind of market where having the financing conversation early can save time, protect deals, and keep everyone from chasing the wrong number.

The Keys are not a normal market.

You cannot analyze them like a normal market.

That is why I built The Mortgage Dock.

Strategy first.
Headlines second.
Actual numbers always.

The Mortgage Dock
The Edge Behind Every Coastal Closing.

06/11/2026

[Sent with Free Plan] Reach out with any questions or updates!

Weekly Mortgage Rate Snapshot:
30-Year Conventional: 6.35
30-Year FHA: 6.14
30-Year VA: 5.97
30-Year USDA: 6.04

** This snapshot of mortgages rates are national averages. This is not an intent to lend and for educational purposes

06/10/2026

Six months ago, everyone was waiting for rate cuts.

Now the market is pricing in a real chance the Fed hikes again by December.

So if your entire plan is, “I’ll wait until the Fed makes coastal Florida affordable,” I’ve got bad news…

The Fed is not coming to save the deal. 😅

But here’s the part most buyers are missing:

The leverage has already shifted.

Condo inventory across Miami-Dade, Broward, and Palm Beach is sitting near 13 months of supply.

Single-family is closer to balanced.

And the Keys have 2,000+ active listings, which means buyers have more choices than they’ve had in years.

That matters.

Because the real opportunity right now is not just the interest rate.

It’s the negotiation.

Price.
Seller credits.
Insurance strategy.
Loan structure.
Flood and wind numbers before you write the offer.

And here’s the quiet one most people do not realize:

Monroe County’s 2026 conforming loan limit is $990,150.

That means a $950K home in Marathon, Islamorada, or the Keys may finance as conforming instead of jumbo, depending on the full file.

That can mean a better rate, easier approval, and a cleaner path to closing.

This is why coastal deals need to be structured before emotions take over.

The house may be beautiful, but the numbers still need to float. 🛥️

Want me to run the numbers on a property you’re watching?

DM me the address.

Eli Sanderlin
The Mortgage Dock
NMLS #1983384

06/09/2026

For two years, "you can't insure a house in Florida" was the line that killed deals.

That line is now 18 months out of date — and most buyers never got the memo.

Here's what actually happened while everyone was repeating 2024's headlines:

→ Citizens cut rates an average of 8.7% statewide for 2026.
→ Broward homeowners are seeing roughly 17% relief year-over-year — the biggest drop in the state.
→ Miami-Dade is down about 14%, Palm Beach about 12%.
→ Citizens shrank from 1.4 million policies in 2023 to around 395,000 today — a 14-year low — as private carriers came back and undercut them.
→ Seventeen new insurers entered the market. Litigation filings dropped more than 35% after the reforms.

The Keys are still their own animal — Monroe County wind is the priciest in the state, mostly through Citizens. But even there, here's a fact almost nobody quotes: Monroe has never had a single year where wind claims beat premiums collected. Not even Hurricane Irma.

So why does this matter on a Tuesday in June?

Because the buyer who walked away from a coastal house last fall — the one who got a terrifying insurance quote and went quiet — may now qualify for the exact same home. Same purchase price. Lower premium. Lower payment. Different answer.

Nobody told them. The fear was real, the market moved, and the update never reached the person who needed it.

That's the gap I close. I don't just quote the loan — I run the full coastal math: wind, flood, the financing structure that makes a waterfront deal actually work. When the insurance number moves, I'm the one who calls the buyer back and says "let's look again."

If you've got a client sitting on a dead coastal file from the last 6–9 months, send them my way. There's a real chance the numbers say yes now.

Want the county-by-county breakdown? Comment "COAST" or DM me.

The Mortgage Dock — built for the coast.
NMLS #1983384 | (305) 424-9005