Incredible Homes and More

09/14/2026

I am not here to paint you a pretty picture just to make a sale. I’m here to help you see the REAL picture. 🏡❤️🔑

Real estate is one of the biggest financial decisions you’ll make, and I believe you deserve knowledge, honesty and someone who genuinely cares about what happens after the papers are signed.

With 25+ years of experience, my job isn’t to tell you what you want to hear—it’s to keep you informed, explain what’s happening in the market and help you make the decision that’s right for YOU.

Because behind every transaction is a person, a family, a goal and a future—and that matters to me. 🏡 REAL ESTATE UPDATE — Opportunities Are Still Out There!

The market is changing, but that doesn’t mean buyers and sellers need to put their plans on hold. Changing markets can create opportunities—especially when you have the right strategy. MORTGAGE RATE UPDATE — What Buyers & Sellers Need to Know

There’s an important Fed meeting coming up September 15–16, and markets are now strongly expecting a ¼-point rate increase.

Mortgage rates have already moved back around the 7% range, making affordability a challenge for many buyers.

But here’s something important to remember: The Fed does not directly set mortgage rates. Mortgage rates react heavily to the bond market, inflation expectations, and what the Fed signals about where rates are headed next.

📈 For buyers: Don’t put your home search on hold simply hoping rates will suddenly fall. The right home, price and financing strategy can still create an opportunity—and refinancing may be an option if rates eventually come down.

🏠 For sellers: Higher rates affect what buyers can comfortably afford, which makes pricing and presentation more important than ever.

Wednesday’s Fed announcement—and especially what Fed Chair Kevin Warsh says about future rate increases—could give us a much clearer picture of where mortgage rates may be heading next.

Have questions about buying or selling in this market? Let’s talk. Knowledge and the right strategy matter.

Terri McCormack, REALTOR®
Experience. Service. Results.

09/13/2026

🏡 LOCKED INTO A LOW MORTGAGE RATE BUT NEED TO MOVE? A NEW PROPOSAL COULD CHANGE YOUR OPTIONS.

If your mortgage rate is near 3%, you may feel stuck.

Moving could mean giving up that low rate and taking on a much higher monthly payment.

A new proposal in Congress, called the MOVE Act (Making Ownership Viable for Everyone Act), could potentially give some homeowners another option.

Here’s the basic idea:

The proposal would make portable mortgages more widely available. That means qualifying homeowners could potentially take their existing mortgage balance, interest rate and terms with them when they buy another home.

For example:

🏠 You owe $200,000 on your current home at 3%.

🏡 You sell that home and purchase another one.

Instead of automatically losing your 3% mortgage, you could potentially transfer that remaining $200,000 mortgage to the new property.

However, this does not necessarily mean the entire new home would be financed at 3%.

If the next home costs more than your remaining mortgage balance, you may need additional financing for the difference.

Why could this matter?

Many homeowners want to move, downsize or buy a larger home, but they hesitate because they don’t want to give up their low mortgage rate.

Portable mortgages could make moving easier for some homeowners. They could also encourage more people to put their homes on the market, which may help increase the number of homes available for sale.

⚠️ IMPORTANT: The MOVE Act is only a proposal right now. It has NOT become law. The final rules, requirements and eligibility guidelines have not been established.

So, if you see someone say, “You can now take your 3% mortgage with you,” that isn’t accurate—at least not yet.

Still, this is an important proposal for homeowners and future buyers to watch.

🏡 Thinking about making a move? Let’s talk about your options.

Terri McCormack, REALTOR®
25+ Years of Experience
Experience. Service. Results.
🌐 www.TerriSellsFL.com

07/21/2026

07/14/2026

Moving this Summer? Whether you're buying or selling, you probably have questions.

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