Morgan Torres - Mortgage Loan Advisor - NMLS 1688918

11/02/2026

Market Moves 😎 a fresh look at September home prices, inventory and time to contract across Palm Beach, the Treasure Coast and the Gulf Coast. Swipe 👉 through for the local numbers.

🌴 Palm Beach County: single-family listings are down about 20% from last year and the median price is about $656K, up about 7%. Condos have about 6.8 months of supply, which gives buyers more room to negotiate.

💦 Treasure Coast: Martin County's single-family median is about $600K, up about 5%, and homes went under contract in a median 39 days, down from 62 a year ago. St. Lucie County is about flat at $395K.

⛱ Gulf Coast: homes for sale are down about 17% in Naples and about 14% in Lee County. Naples' single-family median is about $748K, up about 3%, and Lee County's is about $376K, flat with last year.

Morgan Torres, Loan Officer, NMLS #1688918 | Elio Mortgage, NMLS #2824328 | (239) 910-8013 | Equal Housing Opportunity

10/30/2026

More options. More confident offers. More closed deals. ✅✅✅ If you’d like a lending partner who picks up the phone and keeps your deals moving, let’s connect.

👉Call or text (239) 910-8013.

10/29/2026

Want to see the lending process from the inside? 😎⁉ I’m hosting partner workshops on social media, AI and fresh strategies for today’s market.

👉 Message me for upcoming dates.

10/29/2026

10/29/2026

Closed! 🏡

Congratulations to these first-time homebuyers on their beautiful new home in Port St. Lucie. Welcome home!

So grateful to have worked alongside Danielle of Atlantic Shores Realty Expertise. Danielle, thank you for an amazing experience start to finish.

A BIG shout-out to Mike Izzolo from Brightway Insurance / Treasure Coast Insurance Partners for sharing these amazing buyers with me and for providing an affordable and thorough homeowners insurance policy for them.

Ready to start your home search? Call or text (239) 910-8013 or apply at MorganTorresMortgages.com.

Homebuying MortgageLender EliOMortgage

Morgan Torres, NMLS 1688918 | Elio Mortgage, NMLS 2824328. Equal Housing Opportunity.

10/27/2026

Every buyer is different, 🌞 so their loan should be too: custom structures, flexible terms and lock options, plus temporary buydown choices that can lower payments in the early years.
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10/26/2026

😎⭐ Same-day loan setup, direct access to the underwriter, overnight condition reviews and a Closing Disclosure at initial approval. Fewer surprises, smoother closings and happier clients.

10/26/2026

Here’s a quick look at where the mortgage 📊 and housing 🏡 market stand this week across Palm Beach, the Treasure Coast and the Gulf Coast. Rates eased a little for the first time in about two months, and most of our area still has fewer homes for sale than a year ago.

Here are the highlights:

Rates: Freddie Mac’s weekly national average for a 30-year fixed-rate mortgage dipped to about 7.3%, from about 7.4% the week before.

The Fed: The Federal Reserve meets this week, and most forecasters expect it to hold steady for now.

Home prices: Typical single-family prices are up about 5% to 7% from last year in Palm Beach and Martin counties, and roughly flat in St. Lucie and Lee counties.

Inventory: There are about 14% to 20% fewer single-family homes for sale than a year ago in most of our counties.

On the ballot: Florida voters decide a property tax amendment on November 3 that could change homestead exemptions starting in 2027.

Heads up: Federal flood insurance is only extended through December 11, so it’s smart to get flood and home insurance quotes early.

If you have clients thinking about buying, refinancing or tapping their home equity, I’m happy to run the numbers for them. Just reply or give me a call. 📲 239.910.8013

Ideas for your listings and buyers this week: 👉✨️👍🌞
Before another price cut, consider suggesting the seller offer a concession toward a rate buydown or closing costs; it can stretch further for a buyer’s monthly budget.

If the seller isn’t offering a concession, mention that buyers who finance with me can receive a credit toward their appraisal fee at closing (buyers may choose any lender).

For condo deals, request the association budget, reserve study and any milestone inspection report at contract, since lender condo reviews get stricter in January.

10/26/2026

Market Moves 📈: Here's what happened with home prices and inventory across Palm Beach, the Treasure Coast, and the Gulf Coast in September. 👉Swipe through for the local numbers.

🏡 Palm Beach County: the median single-family price reached about $656K, up about 7% from last year, with about 20% fewer homes for sale. Condos give buyers more room to negotiate.

🏡 Treasure Coast: Martin County's median single-family price is about $600K, up about 5%. St. Lucie County is about flat at $395K, with more homes to choose from.

🏡 Gulf Coast: Naples' median single-family price is about $748K, up about 3%. Lee County is about flat at $376K. Both areas have fewer homes for sale than last year.

What it means:
💥 Buyers have more room to negotiate on in St. Lucie and Lee counties, so ask about seller credits toward closing costs.
💥 Federal flood insurance is only extended through Dec 11, so get insurance quotes early.

Questions? Call me at (239) 910-8013.

Morgan Torres, Loan Officer, NMLS #1688918 | Elio Mortgage, NMLS #2824328 | Equal Housing Opportunity

10/23/2026

Conventional, FHA, VA, USDA, DSCR, bank statement, jumbo, HELOCs, one-time-close construction and more. As a broker, I can match each buyer with the right lender and program, with no extra credit overlays on Conventional, FHA and VA.
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