Bart Cleri: First Horizon Mortgage NMLS #386434

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Bart Cleri: First Horizon Mortgage NMLS #386434 With the flexibility to offer outstanding home loan options, First Horizon Mortgage in Fort Lauderdale stands out against the competition.

We offer consistently competitive rates; local expertise; and a seasoned, professional team of lenders to help qualify more borrowers, close more loans, and turn your dreams into reality. Visit or contact your neighborhood First Horizon Mortgage office today, or visit us online!

Many clients underestimate the impact long-term care expenses can have on their retirement savings, often missing this k...
10/15/2026

Many clients underestimate the impact long-term care expenses can have on their retirement savings, often missing this key aspect in their planning. With healthcare costs rising and longer life expectancies, addressing this gap is becoming more important than ever.

How are you preparing for unexpected long-term care needs in your retirement strategy?

A new ACLI survey finds most middle-class Americans plan to rely on Medicare for long-term care, but that’s not covered!

With higher mortgage rates and shifting consumer priorities, home improvement activity is changing, creating new opportu...
10/08/2026

With higher mortgage rates and shifting consumer priorities, home improvement activity is changing, creating new opportunities for both clients and industry professionals. As major retailers focus on essential repairs and professional services, clients may be weighing renovation versus purchase options.

How are you helping clients navigate these choices in today’s market?

“Frozen housing market conditions” is how a Home Depot executive described the landscape as the retailer released its second-quarter numbers this week, a re...

Mortgage rates have climbed to their highest level in over a year, making it more important than ever for our clients to...
10/01/2026

Mortgage rates have climbed to their highest level in over a year, making it more important than ever for our clients to stay informed and plan ahead. Shifts like these can impact everything from monthly payments to overall home-buying budgets.

How are rising rates influencing your plans or questions about home financing?

The average rate on a 30-year fixed mortgage rose this week to 6.71%, according to the latest Freddie Mac data released Thursday. That is up from last week's reading of 6.66%.

As one spouse retires before the other, it's easy for couples to overlook important expenses in their financial planning...
09/24/2026

As one spouse retires before the other, it's easy for couples to overlook important expenses in their financial planning. From updated healthcare needs to shifts in day-to-day budgets, these changes can have a significant impact on retirement security.

How are you preparing your household finances for the transition to single-income living?

When one spouse retires first, these 7 retirement expenses can change dramatically and may require couples to rethink their household budget.

The housing market is seeing a widening gap, with luxury homes selling quickly while starter homes remain out of reach f...
09/17/2026

The housing market is seeing a widening gap, with luxury homes selling quickly while starter homes remain out of reach for many clients. Economic challenges and rising costs are reshaping how clients think about homeownership.

How can the real estate industry create more opportunities for all clients?

Even as luxury homes fly off the market, sales of starter homes are down despite growing inventory and more price cuts, research shows.

The New York Fed reports that fewer renters expect to move, reflecting shifts in the housing market and personal financi...
09/10/2026

The New York Fed reports that fewer renters expect to move, reflecting shifts in the housing market and personal financial planning. This trend could have important implications for future economic activity.

What do you think is influencing renters’ decisions to stay in place?

A look at how Americans’ declining moving rates hold for homeowners and renters alike using data from the New York Fed’s annual SCE Housing Survey.

Nearly one in five Gen Xers are opting to keep working rather than fully retire and are exploring new approaches to reti...
09/03/2026

Nearly one in five Gen Xers are opting to keep working rather than fully retire and are exploring new approaches to retirement.

As the traditional idea of retirement shifts, what retirement strategies do you think will become most popular and how do you think these changing trends might impact the future of work?

Planning to never retire is a dangerous retirement plan. Even if you don’t want to retire, you may not be able to continue working through no choice of your own.

Home renovations are surging as the pace of home sales slows, with more people choosing to invest in their current space...
08/27/2026

Home renovations are surging as the pace of home sales slows, with more people choosing to invest in their current spaces rather than move. This trend highlights changing priorities in today’s housing market.

How do you think these shifts will impact future financial planning and opportunities for homeowners?

Thinking about remodeling? Here's how to pick the right project and nab the best price.

With tight inventory and higher moving costs, more homeowners are choosing to renovate rather than relocate.From energy ...
06/26/2026

With tight inventory and higher moving costs, more homeowners are choosing to renovate rather than relocate.

From energy efficiency upgrades to added flexible living space, the focus is on boosting comfort and long-term value at home.

What renovation priorities are you seeing in your market?

A growing share of U.S. homeowners are choosing to renovate their current homes instead of moving, a trend that reflects ongoing affordability challenges and continues to constrain housing turnover.More than two in five Americans (43%) completed home renovations in the past year, while another 33% p...

Mortgage rates remain a key factor for homebuyers and homeowners. Recent coverage highlights how rate movement can affec...
05/29/2026

Mortgage rates remain a key factor for homebuyers and homeowners. Recent coverage highlights how rate movement can affect monthly payments, refinancing decisions, and the spring housing market.

If you are considering a purchase or exploring a refinance, now is a good time to review your budget, compare options, and get prequalified so you can act confidently when the right home appears.

What strategies are you using to navigate today’s rate environment, and what information would help you feel more prepared?

The average rate on a 30-year fixed mortgage rose this week to 6.38%, according to the latest Freddie Mac data released Thursday. That is up from last week's reading of 6.22%.

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450 East Las Olas Boulevard, Suite 1220
Fort Lauderdale, FL
33301

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