Jose Icaza

05/14/2026

🏡 MORTGAGE MARKET UPDATE — MAY 2026

Mortgage rates are still sitting above 6%, but that’s not the whole story.

Inventory is slowly increasing, buyers have more negotiating power, and opportunities still exist for informed buyers who understand today’s market.

Here’s what buyers, homeowners, and Realtors should be paying attention to right now:
✔️ Rates remain in the mid-6% range
✔️ Inventory is improving
✔️ Refinance activity is starting to return
✔️ Buyers are gaining leverage again
✔️ Waiting for “perfect” rates could backfire

Whether you’re thinking about buying, refinancing, or investing, understanding the market is the first step to making smart decisions.

Serving buyers, homeowners & Realtors across ALL of Florida 🌴

📞 (305) 922-8111
📧 [email protected]

05/13/2026

Thinking about buying a home, refinancing, or exploring your options? 🏡

Whether you’re a first-time buyer, moving into your next home, purchasing an investment property, or looking to lower your monthly payment, I’m here to help guide you through the process with clear communication and personalized solutions.

And for my Realtor partners — if you need a reliable loan officer for your clients’ pre-approvals, financing questions, or fast updates throughout the transaction, I’d love the opportunity to work with you and help your deals move smoothly from contract to closing.

Serving buyers, homeowners, and Realtors across ALL of Florida 🌴

Jose Icaza
Loan Officer | Lower Mortgage
NMLS #1566198
Branch NMLS #2824371

📞 (305) 922-8111
📧 [email protected]

12/04/2023

Attention all Realtors, join us Tuesday 12/12 at 10am for a live agent training on unlocking Opportunities: Empowering Realtors with Down Payment Assistance Strategies for Homebuyers 🏡💡


RSVP in person Link: http://events.r20.constantcontact.com/register/event?oeidk=a07ek42734ae7792166&llr=dkqgqb8ab [events.r20.constantcontact.com]

Cannot attend in person, no problem, here is the virtual event link: https://us02web.zoom.us/webinar/register/WN_zTyKMsa4Q2y3oAHUQuHdpA

09/02/2023

Time to meet and greet clients with our experienced and knowledgeable at office in Homestead, Fl

Nothing like Homestead to discuss Homestead Exceptions... (like when you purchase a Home!)😏

06/16/2023

Open House this Saturday June 17th 1PM - 4PM. Appointment Only. Call (786) 286-2896

Excellent location 33156 w/ A+ Schools. Stunning Coastal-Med style home on a Builder's Half Acre in a private quiet Cul-De-Sac. Completely Renovated with Fine finishes and ready to Move-in! New Porcelain floors, Metal Roof, 3 Central AC'S, Comm Well Water Purifying system, Impact windows/Doors, Hurr...

03/27/2020

If you heard about the Economic Stimulus and you would like to know how much you could potentially receive? Follow this link and answer 3 simple questions.

Tranduccion:

Si escuchó sobre el estímulo económico y le gustaría saber cuánto podría recibir potencialmente? Siga este enlace y responda 3 preguntas simples.

Stimulus Check Calculator: Find out how much your economic stimulus check will be using this handy tool.