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Stephanie M Spink, CMPS - Mortgage Loan Officer, NMLS 908730

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United States
Saint Augustine, FL
Stephanie M Spink, CMPS - Mortgage Loan Officer, NMLS 908730

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Stephanie M. Spink | NMLS: 908730 Certified Mortgage Planning Specialist
Coast2Coast Mortgage Lending

10/30/2026

Need funds for your next home renovation project? Ask me about getting a home equity line of credit (HELOC)! Call today to discuss your options.

10/29/2026

On your homebuying journey, an appraisal can protect you by verifying the property's market value. When you work with me on your home purchase, I can guide you every step of the way. Reach out today!

10/28/2026

Getting a mortgage doesn't have to be spooky. Give me a call today to find out how I can make your homebuying process sweet!

10/27/2026

Buying a home doesn’t have to be stressful. Give me a call and I'll help you every step of the way!

10/26/2026

Your mortgage shopping made easy (and chic!). Send me a message and let's chat about your options!

10/25/2026

When you're ready to close on your home, you need a lender who will move as quickly as you. Give me call today and let's create a game plan together.

10/24/2026

🏡 WAITING FOR RATES TO DROP? BUT DROP TO WHAT, EXACTLY? 🤔

I was recently going through my pipeline, reaching out to clients who had started the pre-approval process or were already pre-approved and actively shopping for a home.

And honestly? I was astounded by how many people told me they wanted to wait until the market changed or interest rates came down.

Okay… but DOWN TO WHAT? 👀

⬇️ Down to 6%?
⬇️ Down to 5%?
⬇️ Down to 4%?

And what happens if rates don't get there anytime soon? Or what if rates drop, but home prices increase and competition heats up again?

Let's put today's market into perspective.

📊 The average 30-year fixed mortgage rate over the last 50 YEARS has been approximately 7.6%.

Read that again. 7.6%. 💥

Today's mortgage rates aren't nearly as outrageous as some people have been led to believe when you look at the bigger historical picture.

Meanwhile, here's what we're seeing in many markets right now:

🏡 Home prices have softened in some areas.
🤝 Sellers are often more negotiable.
💰 Seller concessions may help cover eligible closing costs, prepaid expenses, or other allowable costs.
📉 Buyers may have more room to negotiate than they did during the highly competitive market of recent years.
🔑 You may have opportunities today that simply weren't available when everyone was fighting over the same house.

Here's something else to consider…

You can always refinance a mortgage later if rates improve and refinancing makes financial sense. But you cannot go back in time and renegotiate the purchase price of a home you didn't buy.

Of course, buying a home should make sense for YOUR finances, budget, lifestyle, and long-term plans. I'm not suggesting everyone should rush out and buy a house.

But if you're financially ready, have stable income, and have found a home you love, don't automatically sit on the sidelines waiting for some magical interest rate that may or may not arrive.

Sometimes, the best opportunity isn't about getting the lowest interest rate.

It's about getting the RIGHT HOUSE, at the RIGHT PRICE, with the RIGHT LOAN STRATEGY. 🏡

And that's where having a knowledgeable mortgage professional in your corner matters.

📩 Let's talk about your options before you decide to wait!

Ms. Stephanie M. Spink, CVLS, CMPS
Certified Veteran Lending Specialist
Certified Mortgage Planning Specialist NMLS #908730
Coast2Coast Mortgage, LLC NMLS #376205

Stephanie M Spink, CMPS - Mortgage Loan Officer, NMLS 908730

10/24/2026

Unlock the savings you deserve! If you have good credit, it could mean lower mortgage rates and big financial benefits! Curious if you qualify? Let's connect today.

10/23/2026

Think you need 20% down to buy a home? You could qualify with just 3% down! Ready to explore your options? Message me to get started.

10/22/2026

A pre-approval letter is essential for knowing your budget and strengthening your offer. Reach out today to start the process.

Address

125 B King Street
Saint Augustine, FL
32084

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.StephanieSpink.com/

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