Current South Florida mortgage rates, Miami & Fort Lauderdale housing trends, and the week's deal-saving play — from bilingual mortgage loan officer Ronald Cepeda, NMLS #407464.
Rates held at 7.40% after seven straight rises, while Miami-Dade broke its $30M+ annual sales record in nine months. This week: the call every paused buyer should get.
Read the full brief →Seventh straight rise, highest since November 2023. Even Freddie Mac says shop around. The average is 7.40%; nobody has to be average.
Read the full brief →The highest rate in almost three years, while Miami logs $1.7 billion in condo pre-sales. This week: the payment conversation that saves wobbling deals.
Read the full brief →First time above 7% since January 2025. Every approval written below it is now stale. This week: re-run your active buyers before the offer table does it for them.
Read the full brief →The biggest weekly rate jump in months, while Palm Beach breaks its $10M sales record in eight months. This week: the fence-sitter conversation, head on.
Read the full brief →Rates rose a third straight week, but global money is still pouring into Miami. This week: never let a buyer die on one retail quote. Beat it or bless it.
Read the full brief →Sticker shock is stalling deals — but buyers haven't left South Florida, and the seller-paid 2-1 buydown is the structure that gets them to yes.
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