KD Günther Properties by Friday Realty LLC

KD Günther Properties by Friday Realty LLC Your Real Estate Dream is my Goal! Palm Beach County-based Residential Real Estate Broker, buying, selling or renting here for you.

Helping people make better real estate decisions! Real Estate & Communitys in Palm Beach County FL

💳 Fannie Mae Drops 620 Credit Score Rule — Big Win for Borrowers 🏠Starting Nov. 16, Fannie Mae will no longer require a ...
11/14/2025

💳 Fannie Mae Drops 620 Credit Score Rule — Big Win for Borrowers 🏠

Starting Nov. 16, Fannie Mae will no longer require a 620 minimum credit score, giving lenders more flexibility when assessing borrower risk, according to Florida Realtors® (2025). The change applies to loans processed through its Desktop Underwriter (DU) system, which will now rely on Fannie Mae’s own risk analysis rather than a fixed FICO cutoff. The updated DU model evaluates a borrower’s full financial picture — credit history plus non-credit factors — to determine eligibility. FHFA Director Bill Pulte called the move a “big deal for consumers” but a “small or nothing deal for underwriting.” Borrowers with limited or no credit history will also see new guidance: lenders may document nontraditional credit and require homebuyer education. These updates take effect for all DU submissions starting the weekend of Nov. 15, 2025. 🔑📊

Source: Florida Realtors®, Fannie Mae, FHFA

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🏡 FSBOs Hit Record Low as More Sellers Turn to Agents 🤝Fewer homeowners are going solo when selling — For Sale By Owner ...
11/13/2025

🏡 FSBOs Hit Record Low as More Sellers Turn to Agents 🤝

Fewer homeowners are going solo when selling — For Sale By Owner (FSBO) listings have dropped to just 5% of all home sales, the lowest ever recorded, down from 7% last year, according to the National Association of Realtors® 2025 Profile of Home Buyers and Sellers. Meanwhile, a record 91% of sellers chose to work with a real estate professional. On average, FSBO homes sold for $360,000, compared to $425,000 for agent-assisted sales — an 18% price gap favoring those who used an agent. Many FSBO sellers cited challenges like pricing, marketing, and legal mistakes, with 47% saying the process brought them to tears and 64% admitting they didn’t reach their desired price (Clever Real Estate). With agents offering wider exposure, stronger negotiations, and less stress, it’s no surprise most sellers now say they’d recommend using one. 🏠💼

Source: National Association of Realtors® 2025 Profile of Home Buyers and Sellers; Clever Real Estate

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Closed!Christina, thank you for letting me help you with the sale of your house. Karl Schulz
11/10/2025

Closed!

Christina, thank you for letting me help you with the sale of your house.

Karl Schulz

What’s better than one real estate closing? Two closings!! Congrats to Steven n Michelle!!Karl Schulz , , ,
11/07/2025

What’s better than one real estate closing? Two closings!!

Congrats to Steven n Michelle!!
Karl Schulz

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Just closed rental! Congrats to Kelsey Andrews!Karl Schulz, , ,
10/30/2025

Just closed rental! Congrats to Kelsey Andrews!

Karl Schulz, , ,

Closing day! Big congrats to Andrew - our favorite veteran now calling Wellington home!!
10/24/2025

Closing day! Big congrats to Andrew - our favorite veteran now calling Wellington home!!

Congratulations on your new home, Andrew! 🎉This was a very special closing — not only did we have the privilege of helpi...
10/24/2025

Congratulations on your new home, Andrew! 🎉
This was a very special closing — not only did we have the privilege of helping a Veteran relocate to Wellington with his son, but we also helped a minor with the sale of his late grandfather’s home. Moments like these remind us why we love what we do!

Karl Schulz , , , , ,

10/15/2025

🏠 Senate Passes Landmark “ROAD to Housing Act” to Boost Homeownership and Affordability

In a rare show of unity, the U.S. Senate unanimously passed the Renewing Opportunity in the American Dream to Housing Act of 2025 — better known as the ROAD to Housing Act — as part of the National Defense Authorization Act on Oct. 9. This bipartisan bill tackles America’s housing crisis head-on by cutting red tape for new construction, modernizing manufactured housing, and streamlining smaller mortgage approvals. It also makes disaster recovery funding permanent, helping communities rebuild stronger after storms and wildfires. The National Association of Realtors® praised the act for addressing housing supply, affordability, and access to homeownership, calling it “a meaningful step toward restoring the American dream.” The legislation now heads to the House for consideration. (Source: NAR, Oct. 2025)

Karl Schulz

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🏡🚫 12 Real Estate Myths That Might Surprise You ✅💡Don’t let old myths hold you back in today’s housing market. Here are ...
09/27/2025

🏡🚫 12 Real Estate Myths That Might Surprise You ✅💡

Don’t let old myths hold you back in today’s housing market. Here are 12 common misconceptions buyers and sellers still believe:

1️⃣ You need a 20% down payment
2️⃣ Online estimates are as accurate as agents '
3️⃣ Renovations always add value
4️⃣ Renting is smarter than buying
5️⃣ Lowest rate = best lender
6️⃣ You need perfect credit
7️⃣ Student loans stop you from qualifying
8️⃣ Bidding wars are over
9️⃣ New homes always cost more
🔟 Affordability is only a coastal issue
1️⃣1️⃣ Preapproval = prequalification
1️⃣2️⃣ We’re headed for another 2008 crash

✨ Knowing the facts helps you make smarter real estate decisions.

Source: National Association of Realtors®, 2025
Karl Schulz
Günther Referrals LLC

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09/13/2025

This is great news for individuals applying for a mortgage, whether they are buying a home or refinancing an existing mortgage. I have had people fume once after getting non-stop calls from lenders after I pulled credit.

🔒 Homebuyers Win Privacy Protection: Trigger Leads Curbed

On Friday, President Donald Trump signed the Homebuyers Privacy Protection Act (H.R. 2808) into law, blocking lenders from bombarding buyers with unsolicited calls, texts, and emails triggered by mortgage applications. The bipartisan bill, led by Rep. John Rose (R-Tenn.) and Rep. Ritchie Torres (D-N.Y.), targets the controversial sale of mortgage credit “trigger leads,” which often overwhelm consumers at a critical stage in the homebuying process.

The National Association of Realtors® (NAR) strongly backed the legislation, calling it a major win for transparency and consumer privacy. “Homebuyers now have a stronger shield to protect their personal information,” said NAR Chief Advocacy Officer Shannon McGahn. Companion legislation also gained Senate support from Jack Reed (D-R.I.) and Bill Hagerty (R-Tenn.).

Source: National Association of Realtors® (2025)

Karl Schulz

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Inactive, Florida real estate license? Put it to work.
09/11/2025

Inactive, Florida real estate license? Put it to work.

Price improved! Now $325,0003/2 in Royal Palm Beach. DM for private tour. Listing courtesy of EXP Realty.
09/11/2025

Price improved! Now $325,000
3/2 in Royal Palm Beach. DM for private tour. Listing courtesy of EXP Realty.

Address

2054 Vista Parkway Suite 400
Royal Palm Beach, FL
33411

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Telephone

+15613797881

Website

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