11/02/2026
Mortgage rates are in the 7s. Does that mean it’s a bad time to buy a home in FL?
Not necessarily.
One advantage buyers may have right now is more negotiating power. In some Central Florida transactions, sellers may be more open to offering concessions that can help make a purchase more affordable.
Depending on the home, loan program, and terms of the transaction, that could include seller-paid closing costs, discount points, or a temporary mortgage rate buydown.
That means the conversation doesn’t have to stop at, “What’s today’s mortgage rate?”
We can also look at:
🏡 Purchase price
💰 Cash needed to close
📉 Monthly payment
📋 Available loan programs
🤝 Potential seller concessions
If you're thinking about buying a home in Oviedo, Winter Springs, Orlando, or anywhere in Central Florida, I can help you understand your mortgage options and determine whether buying now makes sense for your goals and budget.
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Equal Housing Lender | CO NMLS 1587074 | Not a commitment to lend. Rates & terms are subject to approval.