The Pat Williams Team with ERA American

10/08/2026

What if the mortgage rate stopping you from buying isn’t even the rate you’d get? 👀
Online averages can be helpful, but they can’t tell you what your actual options look like. This article explains what really goes into determining your mortgage rate.
https://www.keepingcurrentmatters.com/2026/09/28/the-mortgage-rate-you-see-online-isnt-necessarily-the-one-youd-get/

10/08/2026

The Pat Williams Team Presents

What Higher Mortgage Rates Mean for Home Sellers

Higher mortgage rates are making buyers more cost-conscious. Builders know that, and many are responding with reduced rate, closing-cost help, price reductions, and other incentives.
If you're thinking about selling, let's look at what buyers are getting from other homes in our area – including new construction – and make sure your house is positioned to compete.

Higher mortgage rates don't just affect buyers. They can change what it takes to sell your house, too.

10/06/2026

The Pat Williams Team Presents

Over half of homes (60%) are selling below their original asking price right now. And that stat’s held steady for about a year and a half.

With affordability still so tight, having room to negotiate on price will take some of the biggest financial pressures off your move.

Where you've got the most pull comes down to the neighborhood. Let's chat, and we'll pinpoint where you can push hardest.

10/06/2026

Tuesday understood the assignment. Celebrate National Taco Day the only way that makes sense, with your favorite tacos and maybe a little extra queso. 😋

10/03/2026

The Pat Williams Team Presents

The number of homes for sale just reached its highest point since 2019.

And that gives you the most choice you’ve had in 7 years.

With affordability still so tight, having that many options opens up your odds of finding a home you love that still works for your budget.

Want to see what’s on the market in our area? DM me the price point you’re looking at to get started.

10/02/2026

Your home usually finds a way to tell you when you’ve outgrown it. 😂
More bedrooms, more storage, more backyard, or just more breathing room — whatever “more” looks like for you, your next home could have it. 🏡✨

10/01/2026

The Pat Williams Team Presents

The Mortgage Rate You See Online Isn’t Necessarily the One You’d Get.

Headlines and social media make today’s rates sound high. But you have to remember, the rate you’re seeing online and your actual rate could be different. The only way to know what your rate could be is to talk to a trusted lender.

With the right help, you can find out what your real rate is – and where it can take you.

You may have seen the headlines saying mortgage rates have climbed to the highest point since January 2025. And if that's left you reluctant to buy a home, here's what you need to remember…

10/01/2026

⚡ JUST SOLD ⚡

Another one officially SOLD! This spacious 4-bedroom, 2-bath home offered tons of potential, plenty of room to make it your own, and an oversized screened-in pool and patio perfect for Florida living. A new owner, a fresh start, and lots of possibilities ahead! 🏡🔑✨

09/30/2026

ChatGPT gave my personality a mascot and Maggie Blue showed up ready to steal the show! ERA American spirit, a little sass, and a whole lot of personality… I’d say they nailed this one. She might be small, but she’s definitely got big real estate energy! 🐾❤️

09/29/2026

The Pat Williams Team Presents

Does one size ever really fit all? One mortgage rate doesn't either.

You may be seeing today’s higher rates and worrying about whether it’s still worth it to buy. Here’s what you need to realize…

Mortgage rates differ just like the people who apply for loans. So, the rate you see online isn’t necessarily the one you’d get when you buy.

Your real mortgage rate is specific to your individual situation. It can be higher or lower than what you've seen or heard.

So, don’t assume the rate in the headlines is your rate. Before you decide you can't buy a home or that you should wait, find out what your real rate is. You'll know what your options are and get a map to what's possible.

And a quick conversation with a loan officer is the perfect place to start.

05/31/2023

Here's a scoop on some moments that our team has accomplished throughout the last couple of years. We are thankful to have such a great clientele, along with a wonderful brokerage to help support us throughout our Real Estate journey. ✨