South Florida Mortgage Report – Rates, Housing Data & Condo Insights

Bill Mei and Craig Garcia kick off the long weekend with a mix of Dolphins football banter and an in-depth look at the latest trends in mortgages and housing.

This week’s episode covers:

• Mortgage rates trending downward toward the mid-6% range and what’s driving the shift.

• The Florida Hometown Heroes Program update—why funds may run out faster than expected and how borrowers can still take advantage.

• The latest FHFA and Case-Shiller reports, showing home prices are still rising but at the slowest pace since 2012.

• A behind-the-scenes story on navigating non-warrantable condos—and how Capital Partners Mortgage helped close a deal that others said couldn’t be done.

• Builder incentives, buyer negotiating power, and what agents should know as we head into the fall market.

Plus, Craig and Bill share their take on seasonality in South Florida real estate and why September could bring fresh momentum.

👉 Whether you’re a buyer, seller, or real estate agent, this episode is packed with timely insights to help you navigate today’s market.

Helpful Links:

• Housing Newsletter: Stay informed with curated mortgage and housing insights delivered straight to your inbox: ⁠Subscribe here⁠

• Pre-Approvals 24/7: Get started with mortgage pre-approvals anytime—whichever link works best for you:

o ⁠Option 1⁠

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