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Celia Mortgage Team Retired firefighter turned loan officer NMLS 1770000 with Edge Home Finance NMLS 891464.

Always a wife and mom, mostly a health freak..coffee and Jesus make it all possible.

Mortgage rates have given us a little movement this week, but there's more to the story than one number. 📊Here's what I'...
30/10/2026

Mortgage rates have given us a little movement this week, but there's more to the story than one number. 📊

Here's what I'm keeping an eye on:

📉 The 10-year Treasury: It recently dipped below 5%, an important development for the bond market and mortgage rate trends.

🏡 Freddie Mac's latest survey: The average 30-year fixed rate moved down to 7.24%, its second consecutive weekly decline.

🏦 The Fed's latest decision: The Federal Reserve held its benchmark rate steady on October 28. Remember, the Fed doesn't directly set mortgage rates. Mortgage rates respond to several market factors, including Treasury yields and investor expectations.

So, what should buyers and homeowners do with this information?

Stay informed, understand your options, and don't make a financial decision based solely on predictions about where rates might go next.

If you're considering buying or refinancing, let's look at your situation and see what makes sense for your goals.

📩 DM me “RATES” or start your application today!

29/10/2026

Another exciting homeownership milestone, and another reason to celebrate! ❤️

Getting to the closing table takes planning, patience, and the right people working together. Today, we’re celebrating this big step for our clients as they begin a new chapter in Brooksville, FL!

It’s always rewarding to help make homeownership possible and be part of such an important moment. Congratulations to our clients! May this home bring plenty of happiness, wonderful memories, and exciting new beginnings. 🥂🏡

Thinking about buying a home in Brooksville or anywhere in Florida? Let’s talk about your mortgage options and create a plan that fits your goals.

📩 DM me "BROOKSVILLE” or start your application today at CeliaMortgageTeam.com.

29/10/2026

3.1 miles for our heroes. A morning full of community, connection, and a cause worth showing up for.

Saturday’s Tunnel to Towers 5K in Trinity was extra special, and it came with an unexpected twist!

Tex, at 91 years young, wanted a bib number but wasn’t able to run the race himself. So, I jumped in at the last minute, ran the 5K, and gave him my bib. Sometimes the best moments come from simply showing up for someone else. ❤️

I absolutely loved spending time with Tex, talking mortgages, and connecting with people who care about making a difference in our community.

It was also great being there alongside Elise Weber, Realtor, and Mike with Metro Builders Roofing as we supported the Stephen Siller Tunnel to Towers Foundation and honored the heroes who made the ultimate sacrifice.

A big thank-you to everyone who came out, stopped by our table, ran alongside us, and helped make Saturday morning meaningful. 🇺🇸

This is what community is all about. Showing up, supporting one another, and honoring those who have given so much.

Already looking forward to next year! 🏃‍♀️🇺🇸

27/10/2026

This Spring Hill home is under contract!

One step closer to turning a home search into a place to call your own! ❤️

There’s something exciting about reaching this stage of the homebuying journey. The paperwork is moving, plans are coming together, and the finish line is getting closer. Now, it’s time to keep everything on track for a smooth closing!

Congratulations to the buyers on this exciting milestone in Spring Hill, FL 34606! 🎊 Wishing you a seamless process from here to the closing table and an amazing new chapter ahead.

🏡 Thinking about buying a home in Spring Hill or elsewhere in Florida? Having the right mortgage plan can help you move forward with confidence.

📩 DM me “SPRING HILL” to discuss your home financing options, or start your application today at CeliaMortgageTeam.com.

23/10/2026

ANOTHER CLOSING, ANOTHER NEW CHAPTER IN EUSTIS!

Eustis, Florida, is where another homeownership journey reached an exciting milestone! ❤️

Every closing represents more than signing paperwork. It’s the result of planning, decisions, and teamwork coming together to help make homeownership happen.

Congratulations to our clients on this exciting step! 🥂 May this home bring wonderful memories, new opportunities, and plenty of reasons to celebrate for years to come.

Thinking about buying a home in Florida? Let’s talk about your mortgage options and find a path that works for your goals and budget.

📩 DM me HOME to get started, or begin your application today at CeliaMortgageTeam.com

20/10/2026

The kitchen is perfect. The backyard is beautiful. And you can already picture yourself living there. ❤️🏡

But before you fall in love with a house, make sure you've looked beyond the listing price.

🏘️ HOA fees: Monthly dues and special assessments can change what comfortably fits your budget.

🌧️ Flood insurance: Depending on the property's location and your loan requirements, insurance could add a significant expense.

🔍 Property condition: Roof problems, water damage, or other repairs may affect your future costs and, in some cases, your ability to get the loan approved.

The best way to avoid surprises is to ask questions early and understand the full cost of owning the home—not just the mortgage payment.

Thinking about buying in Florida? Let's talk about your financing options before you make an offer.

📩 DM me “HOME” or start your application today at CeliaMortgageTeam.com

19/10/2026

🏡 NOT YOUR TYPICAL HOME… AND NOW IT’S UNDER CONTRACT! 🔑🎉

Some homes check the boxes. Others make you rethink what a home can actually be. 👀

This property brings plenty of possibilities, with over a third of an acre, TWO primary suites, multiple living spaces, and an extra flex space ready for whatever comes next.

✨ Need room for extended family? There are two private primary suites.
✨ Want space for hobbies or projects? The additional flex space offers plenty of potential.
✨ Love entertaining outdoors? Between the screened sunroom, pergola-covered patio, fire pit, and expansive backyard, there’s room to make memories.
✨ Have a boat, RV, or recreational vehicle? The oversized garage, workshop, and additional parking pad are ready to be appreciated!

From quiet mornings on the front porch to weekends spent enjoying the backyard, this home offers something that’s becoming harder to find: space to live your way, today and in the years ahead. 🌳☀️

And now, it’s officially UNDER CONTRACT! 🥂

Congratulations to the buyers! Wishing you a smooth journey to the closing table and an exciting new chapter ahead. ❤️

Thinking about buying a home that fits your lifestyle and future plans? Let's talk about your financing options.

📲 DM me “HOME” and let’s get the conversation started.
👇 Ready to take the next step? Start your application at:

CeliaMortgageTeam.com

FLORIDA BUYERS: Before you put your homeownership plans on hold, have you looked into down payment assistance?One thing ...
16/10/2026

FLORIDA BUYERS: Before you put your homeownership plans on hold, have you looked into down payment assistance?

One thing I want buyers to know is that you may not have to come up with every dollar for your down payment and closing costs entirely on your own.

Depending on where you're buying and your financial situation, there may be programs worth exploring!

🔑 Florida Housing programs— eligible buyers may qualify for a mortgage paired with down payment or closing cost assistance.

📍Hillsborough County programs— local options may help qualified buyers with upfront homebuying expenses.

🏡 City of Tampa programs— certain programs offer assistance for eligible buyers purchasing homes in designated areas.

🌴 Pasco County programs— local assistance may also be available, depending on your eligibility and current funding.

But here's the important part: every program has its own rules. Income limits, credit requirements, homebuyer education, property restrictions, and repayment terms can all affect your eligibility. Funding can also change, so it's important to verify what's currently available.

Don't assume you won't qualify before exploring your options!

💬 DM me “ASSISTANCE” and let's discuss your homebuying goals and which mortgage options may be worth exploring.

👇 Ready to take the first step? Start your application at:

CeliaMortgageTeam.com

THE BEST PART OF THIS JOB? KNOWING OUR CLIENTS FEEL TAKEN CARE OF.Buying a home or navigating a mortgage can come with p...
14/10/2026

THE BEST PART OF THIS JOB? KNOWING OUR CLIENTS FEEL TAKEN CARE OF.

Buying a home or navigating a mortgage can come with plenty of questions. Having someone who explains the process, keeps you informed, and helps you understand each step can make a real difference. 🏡🔑

Thank you for trusting us with such an important financial milestone! ❤️ We’re grateful for the opportunity to help make the mortgage process feel more manageable and to be part of your journey.

Looking for a mortgage team that will help you understand your options and guide you through the process?

📲 DM me with your questions, and let's talk about your home financing goals.

👇 Ready to take the first step? Start your application at:
CeliaMortgageTeam.com

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