Regina Hargis-Williams of First Federal Bank, NMLS 984014

Regina Hargis-Williams of First Federal Bank, NMLS 984014 NMLS #984014
Equal Housing Lender Equal Housing Lender NMLS #984014

Not every house may be selling for over asking anymore.In fact, it's down to about 1 in 4 homes today, compared to nearl...
06/15/2026

Not every house may be selling for over asking anymore.

In fact, it's down to about 1 in 4 homes today, compared to nearly half in 2021. (Source: Redfin, Homebuyers Are Scoring the Biggest Discounts in 13 Years, March 2026)

And that's a good sign for buyers. It means the market may be getting back to normal.

Now, this is going to vary by area. But overall, it means you may find sellers with more wiggle room on their price today. And in a lot of places, negotiation is back on the table.

Let's make the most of it.

Want to find out what to expect if you're buying in our local market? Contact me today.
© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

Why do some homes sell fast. While others sit?It's not just the market.Right now, the typical home may be going under co...
06/12/2026

Why do some homes sell fast. While others sit?

It's not just the market.

Right now, the typical home may be going under contract in about 19 days - and some may be in as little as a week. (Source: Zillow, April 2026 Monthly Housing Report: Spring Market Weathers Economic Uncertainty, April 2026)

So, homes are still selling. Just not all of them. Some are even selling quickly.

The difference? Buyers are more selective than they've been in years. They're paying attention to price, condition, and how a home shows online before they ever step inside.

That means the homes that feel move-in ready and priced right may still be getting strong interest, even now. But the homes that aren't? They sit.

If you're thinking about selling, the question isn't just "will it sell?" It's "how will it stack up?"

Want to make sure yours stands out? Contact me and I'll walk you through what you can do.

© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

Nearly 40% of potential sellers say they're planning to offer concessions this year - up from 30% in 2025. (Source: Real...
06/11/2026

Nearly 40% of potential sellers say they're planning to offer concessions this year - up from 30% in 2025. (Source: Realtor. com, Spring Seller Survey: Optimism Meets Reality in the 2026 Housing Market, April 2026)

That increase means you could see more flexibility on things like sellers covering your closing costs, adjusting the price, or making repairs.

But what's worth asking for and what's a long shot will vary depending on where you're looking. That's where I can help.

Contact me and let's talk about what concessions make sense in our market. Because, for buyers, the right ask could save you thousands.

© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

Smaller homes are getting more attention right now.With affordability still tight, many buyers are looking for homes tha...
06/11/2026

Smaller homes are getting more attention right now.

With affordability still tight, many buyers are looking for homes that better fit their budget — and builders appear to be responding.

Newly built homes have been trending smaller for several years, and for some buyers, that may open up additional options.

A smaller new-construction home may come with a lower price point than a larger home, and some communities may also offer amenities like walking trails, fitness centers, shared spaces, or co-working areas.

So, if larger homes have felt out of reach, it may be worth considering whether a smaller home could better align with your budget and lifestyle.

As a Loan Officer with First Federal Bank, I can help you review financing options and explore what might be possible based on your financial situation and goals.

Drop a comment below if you’d like to talk through the numbers.


Source: Census, The typical new home in the http://U.S. is shrinking. Here’s what that means for buyers, April 2026
Equal Housing Lender | NMLS #408902

In celebration of National Homeownership Month, let's take some time to appreciate the many benefits that come with bein...
06/10/2026

In celebration of National Homeownership Month, let's take some time to appreciate the many benefits that come with being a homeowner. The value of owning your home includes having additional privacy, a broader attachment to your community, and a sense of pride.
If homeownership is your goal, DM me, and let's get started.

Equal Housing Lender | NMLS 408902

http://l.ead.me/regina-hargis-williams

Do you think you need a big down payment to buy a home? Most people believe they need at least 10% down.The truth is tha...
06/05/2026

Do you think you need a big down payment to buy a home? Most people believe they need at least 10% down.

The truth is that's not necessarily the case. Many buyers put down less than that.

The typical down payment for first-time buyers is actually between 6% and 9%. And depending on the home loans you qualify for, you might only need 3.5%, or even 0% down in some cases.

Your down payment might not be as big of a hurdle as you thought. Let's talk about your options and how to make homeownership possible for you.

If the down payment wasn't the thing holding you back, would you be ready to start your home search?
Equal Housing Lender NMLS #408902

http://l.ead.me/regina-hargis-williams

It looks like affordability is finally starting to show some signs of improvement this fall.Mortgage rates have come dow...
06/04/2026

It looks like affordability is finally starting to show some signs of improvement this fall.

Mortgage rates have come down lately. Home price growth has slowed. And wages are rising.

Together, those 3 changes mean the typical monthly payment is now $290 lower than it was just a few months ago.

That shift has already helped some buyers jump back into the market.

Curious if the numbers work for your budget now? Let's take another look.

© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

"What if I buy... and home prices go down?" It's one of the biggest hold ups some buyers may have right now. And honestl...
06/03/2026

"What if I buy... and home prices go down?" It's one of the biggest hold ups some buyers may have right now. And honestly, with everything in the news lately, it could be easy to see where that's coming from.

No one wants to make a big financial decision at the wrong time. But here's the part buyers need to see. When you look at home prices over the last several decades, data proves prices usually go up, not down. Yes, there are a few dips in there. But they're typically small and short-lived.

So, while a few markets are seeing slight declines right now, the bigger trend is becoming more clear. Over time, home prices almost always rise. That's why buying a home is generally considered a safe long-term investment (especially if you plan to live there for 5+ years).

So, try not to get too caught up in what might happen with home prices next month or next year. Focus on the bigger picture. Want to talk through what prices are doing in our market?

Drop a comment below.

Source: S+P Case-Shiller, S&P Cotality Case-Shiller Home Price Indices, April 2026
© First Federal Bank |Equal Housing Lender| NMLS #408902

http://l.ead.me/regina-hargis-williams

Address

300 NORTH WAUKESHA Street
Bonifay, FL
32425

Telephone

+18505736304

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