Billy Mei (“The Hat Dude”) and Craig A. Garcia, President of Capital Partners Mortgage, break down this week’s hottest topics in real estate, mortgages, and South Florida housing.In today’s episode, we cover three big stories shaping the market right now:________________________________________🔹 1. Mortgage Rate Update — Are We Heading Toward 6%?Freddie Mac’s latest survey shows rates dipping to around 6.19%, and market confidence is growing around a potential Fed rate cut.We discuss:• Why rates are trending downward• What buyers should expect this holiday season• How Fed leadership changes may influence 2025 mortgage markets________________________________________🔹 2. Climate Change, Real Estate Data & the Zillow vs. Redfin DebateZillow recently removed certain climate-risk data from their listings… Redfin doubled down and kept theirs.We explore:• Why climate-risk scoring is so controversial• Which data actually matters for homebuyers (like flood zone + insurance impact)• Why Florida buyers ask about this more than ever• How national climate reporting may affect property values and consumer perception________________________________________🔹 3. Condominium Lending Hack: Buy With Just 10% Down (Even Without Budgeted Reserves!)Our Hats Off segment highlights a first-time buyer success story where a condo lacked reserve budgeting—normally a deal-killer.But not with us.We break down:• How Fannie Mae allows a 75/15 structure (1st mortgage + outside 2nd)• Why this lets buyers put just 10% down on condos that don’t meet standard reserve requirements• Real-world example: A young couple closing on a beautiful townhome-style condo today• Why boutique lenders like us can close deals that big banks can’t________________________________________🦃 Bonus: Thanksgiving Recap + a Wild Turkey-Frying StoryBilly didn’t burn the house down (win!) and Craig admits the holiday eating season has officially begun.________________________________________📺 Previous Episode ShoutoutIf you missed last week’s episode with State Rep. Chip LaMarca, go watch it!We did a full deep-dive into the truth behind Florida’s proposed property-tax changes.https://youtu.be/gb3YL9T8YaM________________________________________🎙️ About UsCapital Partners Mortgage Services— Your boutique South Florida lender.Local expertise. Creative solutions. Real results.________________________________________👉 Like, Subscribe & ShareIf you’re a Realtor, buyer, or South Florida homeowner, this episode is packed with insights you won’t hear anywhere else.Drop your questions in the comments — we may feature them in next week’s show!