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Jane Chaulklin-Schott
Central Florida Realtor -Windermere, DrPhillips, Bay Hill, Winter Garden, Lake Mary/Heathrow, Alaqua Lake. Luxury Golf & Country Club Estates, Butler Chain of Lakes Lakefront Homes-$150K-$100,000,000
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Orange County, FL Real Estate News

By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Have you seen where mortgage rates have been lately? One day they go down a little. The next day, they go back up again. It can feel confusing and even frustrating if you’re trying to decide whether now’s a good time to buy a home.Take a look at the graph below. It uses data from Mortgage News Daily to show that after a relatively stable month of March, mortgage rates have been on a bit of a roller coaster ride in April: This kind of up-and-down volatility is expected when economic changes are happening. And that’s one of the reasons why trying to time the market isn’t your best move. You can’t control what happens with mortgage rates. But you’re not powerless. Even with all the economic uncertainty right now, there are things you can do. You can control your credit score, loan type, an...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
According to Realtor.com, the best week to list your house this year was April 13–19. And since that week has come and gone, you might be wondering: did I miss my chance? Not at all – and here’s why. That’s just one source’s take, based on their own research. Other organizations run similar studies. And since different places use different methodologies for their research, sometimes the results vary too – and that’s actually good news for you. According to Zillow, the best time to list your house is still ahead. The latest research from Zillow says sellers who list their homes in late May tend to see higher sale prices based on home sales from last year. The study explains why: “Search activity typically peaks before Memorial Day, as shoppers get serious about house hunting before thei...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
  Unfortunately, a lot of sellers today are setting their asking price too high. That’s leading to an uptick in price cuts. Some of the most common reasons this is happening are that they’re not paying attention to current market conditions or they’re trying to leave room for negotiation. The best way to avoid this mistake? Lean on an agent. Let’s connect to make sure your house is priced to pull people in, not push them away. Contact us:PHP Houses142 W Lakeview AveUnit 1030Lake Mary, FL 32746Ph: (407) 641-1531Fax: (407) 205-1951email: info@phphouses.comLet’s Connect:FacebookLinkedinTwitterInstagramThe information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or warrant the accuracy or complete...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
At some point, you’ve probably heard the saying: “Yesterday was the best time to buy a home, but the next best time is today.”That’s because homeownership is about the long game – and home prices typically rise over time. So, while you may be holding out for prices to fall or rates to improve, you should know that trying to time the market rarely works.Here’s what most buyers don’t always think about: the longer you wait, the more buying could cost you. And you deserve to understand why.Forecasts Say Prices Will Keep ClimbingEach quarter, over 100 housing market experts weigh in for the Home Price Expectations Survey from Fannie Mae, and they consistently agree on one thing: nationally, home prices are expected to rise through at least 2029.Yes, the sharp price increases are behind us, ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Let’s talk about something you might not check nearly as often as your bank account – and that’s how much your home is worth. But when it comes to your financial situation, it’s an important thing to remember. When’s the last time you had a professional show you the value of your home?Think about it. For most people, your house is probably the biggest asset you have. And if you’ve owned your home for a few years (or longer), chances are it’s been quietly building wealth for you in the background. And honestly? You might be surprised by just how much. What Is Home Equity?This wealth you may not even realize you have comes in the form of home equity. Home equity is the difference between what your house is worth and what you still owe on your mortgage. It grows over time as home values ri...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
If buying a home is on your radar – even if it’s more of a someday plan than a right now plan – getting pre-approved early is still one of the smartest moves you can make. Why? Because, like anything in life, the right prep work makes things clearer. The best time to get serious about buying is before you’re ready to buy. Here’s why. Pre-Approval Helps You Understand Your Numbers One of the biggest benefits of pre-approval is how it helps you understand your buying power. As part of the pre-approval process, a lender will walk through your finances and tell you what you can borrow based on your income, debts, credit score, and more. That number is power. Once you have that clarity, you’re no longer guessing. You know what you’re working with. And that gives you the information you need...
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By Olympus Executive Realty Inc., Home Of The Top Producers
(Olympus Executive Realty INC.)
Julia Thompson – Trusted Military Veteran Real Estate ExpertWith a deep understanding of the military lifestyle, Julia has proudly helped over 40 veterans and military families find their ideal home across Florida. Specializing in VA loans, relocation, and first-time buyers, she provides expert guidance every step of the way.🔑 Buy with confidence.📍 Serving all of Florida🏡 Your Florida Home Starts HereAre you a U.S. Military Veteran, Active-Duty Service Member, or Reservist looking to buy a home?🎖️ Work with someone who understands your journey!https://militaryveteranrealestateagents.com/https://militaryveteranrealestateagents.com/service the following but not limited to Altamonte Springs, Altoona, Anna Maria, Apollo Beach, Apopka, Arcadia, Astatula, Astor, Auburndale, Babson Park, Barto...
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By Olympus Executive Realty Inc., Home Of The Top Producers
(Olympus Executive Realty INC.)
Madison Martinez – Trusted Military Veteran Real Estate ExpertMadison has proudly helped over 40 veterans and military families find their perfect home across Florida, including Tampa and Orlando. Specializing in VA loans, relocation, and first-time homebuyers, Madison provides expert guidance every step of the way.🔑 Buy with confidence.📍 Serving all of Florida | Based in Tampa & Orlando#VeteranRealtor #MilitaryFriendlyAgent #VALoanExpert #TampaHomes#OrlandoRealEstate #FloridaVeterans #MadisonMartinezRealtor #VeteransBuyingHomes #RealEstateExperthttps://militaryveteranrealestateagents.com/https://militaryveteranrealestateagents.com/🏡  Your Florida Home Starts HereAre you a U.S. Military Veteran, Active-Duty Service Member, or Reservist looking to buy a home in Florida?🎖️ As Military Vet...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Lately, it feels like a lot of people have been asking the same question: “Is the housing market about to crash?”If you’ve been scrolling through social media or watching the news, you might have seen some pretty scary headlines yourself. That’s why it’s no surprise that, according to data from Clever Real Estate, 70% of Americans are worried about a housing crash in 2025.But before you hit pause on your plans to buy or sell a home, take a deep breath. The truth is: the housing market isn’t about to crash – it’s just shifting. And that shift actually works in your favor.Today’s Inventory Keeps the Housing Market from CrashingMark Fleming, Chief Economist at First American, says:“There’s just generally not enough supply. There are more people than housing inventory. It’s Econ 101.”Think ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
You’ve been working on your savings and dreaming of that moment when you finally have keys to a place that’s truly yours. What you might not realize is that your tax return could give you a little extra cash to help you get there sooner. As Freddie Mac notes:“ . . . your tax refund from the IRS can be a useful supplement to your homebuying budget.” So, if you’re getting a tax refund this year, you can use it to help you pay for some of the upfront costs that come with buying a home, like the down payment and closing costs. And here’s the best part.On average, people are getting even more money back in their refunds than they did last year. While it’s not a big increase, the visual below uses data from the Internal Revenue Service (IRS) to show the average individual’s refund is 3.9% hig...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Now that spring is here, more and more buyers are jumping back into the market, and competition is heating up. If you’re serious about landing a home you’ll love, you need more than just a wish list. You need a smart strategy – and that starts with working with a great agent who can help you put together a strong offer. Here are some top tips your agent will share with you that are helping buyers stand out (and win) in today’s market. 1. Don’t Lowball on Price It’s tempting to start with a super low offer in an attempt to save money. But in a competitive spring market, that could backfire. If the price isn’t reasonable, you could offend the seller and lose out to a better bid. As NerdWallet says: “If you really want the property, you should avoid offending the seller. So, be wary of pl...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
There’s a lot of talk about a recession lately and how the odds of one are rising. If you’re wondering what that means for the housing market, here’s what the data tells us. While you may remember the price crash in 2008, that’s not the norm. Looking back all the way to 1980, home prices usually rise and mortgage rates tend to fall. If you have questions about buying or selling a home in today’s market, let’s have a conversation. Contact us:PHP Houses142 W Lakeview AveUnit 1030Lake Mary, FL 32746Ph: (407) 641-1531Fax: (407) 205-1951email: info@phphouses.comLet’s Connect:FacebookLinkedinTwitterInstagramThe information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or warrant the accuracy or compl...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
When you finally find the home you want to buy, it’s easy to get caught up in the excitement. You’ve toured the place, imagined your furniture in it, maybe even pictured your morning coffee on the porch. The last thing you want is to slow down the process with more steps or lose out to another buyer’s offer because they skipped their inspection. But here’s the thing. Buying a home is one of the biggest financial decisions you’ll ever make. And no matter how perfect that house seems, skipping a home inspection is a risk that could cost you a lot more than just time. What Exactly Is a Home Inspection? A home inspection gives you a detailed look at the home’s condition, usually after your offer’s accepted but before closing. While what’s covered varies by state, an inspector usually goes ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Retirement isn’t just a milestone. It's the beginning of something really special. After years of hard work, it’s finally time to slow down, explore new passions, and live life on your own terms.But with this exciting chapter comes some big choices. And one of the biggest is this: does your current home still make sense for the lifestyle (and budget) you want in this next phase of life?That’s an especially important question right now. Just in the past five years, the cost of living has jumped by 23% according to the Bureau of Labor Statistics (BLS). That’s based on the Consumer Price Index (CPI), which is how changes are tracked in the average price consumers pay for goods and services (see graph below): When you’re thinking about how to make your retirement savings last, those rising ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Headlines are talking about the inventory of new homes and how we’re back at the levels not seen since 2009. And maybe you’re reading that and thinking: oh no, here we go again. That’s because you remember the housing crash of the late 2000s and you’re worried we’re repeating the same mistakes.But before you let fear take hold, remember: headlines are designed to be clickbait. And a lot of the time, they do more to terrify than clarify. That’s because they don’t always give you all the context you need. So, let’s take a step back and look at what the data really says.Why This Isn’t Like 2008While it’s true the number of new homes on the market has reached its highest level since 2009, that’s not a cause for alarm. Here’s the context that matters most. When the data is turned into a grap...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
If you’ve been frustrated by the lack of homes for sale over the past few years, here’s some good news. You have more options, so it may finally be time to kick off your home search again. As Daryl Fairweather, Chief Economist at Redfin, explains: “Now is the best time to buy in the last two years. Mortgage rates are comparable to what they were two years ago, and prices remain high. However, there is significantly more inventory . . .”The number of homes for sale has grown compared to last year, and even more options are on the way. While this is typical for the busy spring season, here’s why this is so important right now.Homeowners are listing their houses at the highest pace we’ve seen in a while.New Listings Are on the RiseOver the past few months, the number of new listings, or ho...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Once a lender has reviewed your finances as part of the homebuying process, you want to be as consistent as possible. Don’t make any big changes that could affect your mortgage application. Here are a few tips. Don’t change bank accounts or apply for new credit. And this one may surprise you, don’t buy appliances or furniture for your next home yet either. The best tip of all? Before you do anything financial in nature, talk to your lender first. Contact us:PHP Houses142 W Lakeview AveUnit 1030Lake Mary, FL 32746Ph: (407) 641-1531Fax: (407) 205-1951email: info@phphouses.comLet’s Connect:FacebookLinkedinTwitterInstagramThe information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or warrant the ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
When you put your house on the market, you want to sell it quickly and for the best price possible; that's generally the goal. But too many sellers are shooting too high right now. They don’t realize the market has shifted as inventory has grown. The side effect? Price cuts are on the rise, but they really don’t have to be. Here’s why.According to data from Realtor.com, in February, price cuts were the highest they’ve been in any other February since 2019 (see graph below):If you consider that 2019 was the last true normal year for the housing market – that's a big deal. We’re getting back to what’s typical for the market. This isn’t the same frenzied seller’s market we saw a few years ago. You may not get the same price your neighbor did at the height of the pandemic. And that means yo...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Recession talk is all over the news, and the odds of a recession are rising this year. And that leaves people wondering what would happen to the housing market if we do go into a recession.Let’s take a look at some historical data to show what’s happened in housing for each recession going all the way back to the 1980s.A Recession Doesn’t Mean Home Prices Will FallMany people think that if a recession hits, home prices will fall like they did in 2008. But that was an exception, not the rule. It was the only time we saw such a steep drop in prices. And it hasn’t happened since.In fact, according to data from CoreLogic, in four of the last six recessions, home prices actually went up (see graph below):So, if you’re thinking about buying or selling a home, don’t assume a recession will lea...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Last year, 70% of buyers abandoned their home search – and maybe you were one of them. It makes sense. Inventory was low, prices were high, and mortgage rates were up and down like a rollercoaster. All of that made it really hard to find a home you loved – and could afford.But guess what? The market is shifting.So, if you paused your moving plans in 2024, it might be time to hit play again. Here’s why.More Inventory Opens Up More OptionsEven if you could make the numbers work, the lack of available homes in recent years probably made it hard to come by something that fit your needs. But inventory is rising, which means you have more options now.According to Realtor.com, inventory has jumped 27.5% since this time last year (see graph below):So, if you were reluctant to list your house be...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
At a national level, the housing market has shifted over the past year. There are more homes for sale, price growth has moderated, and homes are taking a little longer to sell. Do you want to know how our area compares? Let’s connect so we can go over what's happening locally and what this means for you. Contact us:PHP Houses142 W Lakeview AveUnit 1030Lake Mary, FL 32746Ph: (407) 641-1531Fax: (407) 205-1951email: info@phphouses.comLet’s Connect:FacebookLinkedinTwitterInstagramThe information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should alw...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
You may have heard there are more homes for sale right now. And while that’ll vary depending on the market, it means that overall, things are starting to lean in a more balanced direction. As that happens, some sellers are a bit more open to compromise. Here’s what that means for you. You may be regaining some negotiating power. That can translate into savings, perks, or even better terms on your purchase – if you know what levers to pull during negotiation. Why an Agent Is an Essential Part of the Negotiation Process The complicated part is knowing what is and isn’t on the table. That’s where your agent comes in. According to the National Association of Realtors (NAR), besides finding the right home, the top thing buyers want from their agent is help negotiating the terms of the sale,...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Spring is here, and so is the busiest season in real estate. More buyers are out looking for homes, which means more competition for you. If you want to put yourself in the best position to buy, there’s one step you can’t afford to skip, and that’s getting pre-approved for a mortgage. Some buyers think they can wait until they’ve found a home they love before talking to a lender. But in a season where homes can sell fast, that’s a risky move. Getting pre-approved before you start your search is a much better bet. Here’s what you need to know about this early step in the buying process. What Is Pre-Approval? Pre-approval gives you a sense of how much a lender is willing to let you borrow for your home loan. To determine that number, a lender starts by looking at your financial history. ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
If selling your house is on your to-do list this year, the time to start prepping is now. That’s because experts say the best week to list your house is coming up fast.A recent Realtor.com study analyzed years of housing market trends (excluding 2020 since it was an outlier) and found that April 13–19 is expected to be the ideal window to put your house on the market this year:“. . . we’ve identified April 13-19 as the best week to list for sellers . . . a seller listing a well-priced, move-in ready home is likely to find success. Because spring is generally the high season for real estate activity and buyers are more plentiful earlier rather than later in the year, listing earlier in the spring raises a seller’s odds of a successful sale.”What Makes This Week Stand Out?As the quote men...
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