Category: Mortgage Sarasota

At Fidelity Home Group, we are Sarasota Mortgage Experts! We offer more options, more transparency and a simpler way to find the right mortgage program for your unique situation.

Sarasota is a city south of Tampa on Florida’s Gulf Coast that was once the winter home of the Ringling Brothers Circus. Today, it hosts a number of cultural institutes, notably the Ringling Museum of Art, which showcases old masters and modern art. It’s also the gateway to miles of beaches with fine sand and shallow waters, such as Lido Beach and Siesta Key Beach

Who Has the Upper Hand in Today’s Housing Market?

Written by Sarasota Mortgage Mortgage Syndicated User on August 13, 2026. Posted in Buying Tips, For Buyers, For Sellers, Mortgage Sarasota, Sarasota Mortgage, Selling Tips.

Ask around and almost every homebuyer out there wants to know if there’s a way to get a better deal. And just about every seller wants to know if they’ll still get top dollar.The interesting thing is… both can be right at the exact same time. It just depends on where you live.That’s because today’s housing market isn’t moving in one direction anymore. Some markets clearly favor buyers. Others still favor sellers. But most are sitting somewhere in the middle.And knowing which market you’re actually in can completely change the strategy you use to buy or...

Here’s Why Mortgage Rates Are What They Are Right Now

Written by Sarasota Mortgage Mortgage Syndicated User on August 13, 2026. Posted in Affordability, Economy, For Buyers, For Sellers, Mortgage Rates, Mortgage Sarasota, Sarasota Mortgage.

If you’re waiting for mortgage rates to fall a lot before you buy, you may be waiting a while. But before you get discouraged, there’s a number working behind the scenes that’s actually good for you right now. It’s called the spread, and once you understand it, you may see today’s rates in a whole new light.The Pattern That’s Held for 50+ YearsFor starters, mortgage rates don’t move on their own. They tend to follow the 10-year treasury yield, a number tied to how investors feel about the economy.It’s not an exact science, since plenty of other factors can move...

The Case for Putting 20% Down on Your Next Home

Written by Sarasota Mortgage Mortgage Syndicated User on August 13, 2026. Posted in Affordability, Buying Tips, Downsize, For Buyers, Mortgage Sarasota, Move-Up, Sarasota Mortgage.

If you’re planning to buy your next home soon, you’ve probably heard the old rule about saving 20% for your down payment.The truth is, you usually don’t have to. Plenty of loan options let qualified buyers put down much less. But a lot of repeat buyers are choosing to put down 20% anyway.So, why are they if they don’t have to?Two reasons. They know a bigger down payment pays off, and after years in their current house, they’ve built up enough equity that it’s finally possible.Repeat Buyers Put More Money DownAccording to the National Association of Realtors (NAR), the typical repeat buyer...

When the perfect property finally hits the market.

Written by Sarasota Mortgage Mortgage Syndicated User on August 13, 2026. Posted in Mortgage Sarasota, Sarasota Mortgage.

Start your home purchase qualifier with no personal info. Get your rate in minutes and see how easy funding your non-warrantable condo, condotel or DSCR can be. ? Link in profile #OrlandoRealEstate #CondotelLoans #dcsrloans #MortgageRates #FloridaMortgage

What To Expect from the Housing Market in the Second Half of 2026

Written by Sarasota Mortgage Mortgage Syndicated User on July 10, 2026. Posted in Affordability, For Buyers, For Sellers, Forecasts, Home Prices, Mortgage Rates, Mortgage Sarasota, Sarasota Mortgage.

If the first half of this year has left you feeling stuck, you’re not the only one. Mortgage rates stayed higher than people wanted. Affordability remained tight. And uncertainty overseas added another layer of pressure nobody saw coming.That’s why so many people are asking the same question: Will the second half of the year be any better for the housing market?While nobody has a crystal ball, there are a few encouraging signs things could start moving in a better direction. Here’s what to watch.Mortgage Rates Could Be Near a Turning Point One of the biggest reasons...

Student Loans Are Back in the News. Don’t Let It Put Your Homeownership Plans on Hold.

Written by Sarasota Mortgage Mortgage Syndicated User on July 10, 2026. Posted in Buying Tips, First-Time Buyers, For Buyers, Mortgage Sarasota, Sarasota Mortgage.

Student loans are back in the spotlight. And whether you’ve been following the headlines closely or just catching bits and pieces here and there, there’s a good chance they’ve been on your mind lately.And if you’re questioning whether you have to hit pause on your plans to buy a home, here’s the thing you have to remember:Having student loans doesn’t automatically mean buying a home has to wait.The Biggest Myth About Student Loans and Buying a HomeOne of the most common misconceptions among first-time buyers is that they have to pay off their student loans...

What Buying or Selling a Home Gives Back to Your Community

Written by Sarasota Mortgage Mortgage Syndicated User on July 10, 2026. Posted in Economy, For Buyers, For Sellers, Mortgage Sarasota, Sarasota Mortgage.

Buying or selling a home is a big financial decision. And right now, it feels even bigger. Inflation is high, costs are high, and you want to be sure the timing is right before you make your move. But if you do decide to go for it, whether you’re buying or selling, here’s something reassuring to hold onto. Not only does your move change your own life, but it also gives your whole community a boost.Real estate is a huge part of the economy. In 2025, it added up to about $5.6 trillion, according to the National Association of Realtors (NAR). A good share of that comes from...

Condotel Financing

Written by Sarasota Mortgage Mortgage Syndicated User on July 10, 2026. Posted in Mortgage Sarasota, Sarasota Mortgage.

Start with our home purchase qualifier or get a rate quote with no personal info. ? A recent investor closed a waterfront condotel purchase! This fast process makes buying unique investment properties easier in the city. If you struggle to find lenders for non-traditional condos, you’ll see how this option helps smooth the way. Get your rate now to find out your options. ? Link in profile #FloridaRealEstate #InvestmentProperty #NonWarrantableCondo #CondotelFinancing

Orlando Beach Boardwalk

Written by Sarasota Mortgage Mortgage Syndicated User on July 10, 2026. Posted in Mortgage Sarasota, Sarasota Mortgage.

Start with our home purchase qualifier or get a rate quote with no personal info. If you’re investing in Orlando real estate, DSCR loans can simplify financing, letting the property’s income do the work. This micro-case shows how a local investor secured a DSCR loan using cash flow—not personal income—to qualify for a non-warrantable condo. No conventional income docs needed, just solid property returns. Benefit from financing designed for investors like you, including options for hard-to-finance properties in Orlando. Get your rate now! ? Link in profile #OrlandoRealEstate...

Orlando’s Iconic Palm Court

Written by Sarasota Mortgage Mortgage Syndicated User on July 10, 2026. Posted in Mortgage Sarasota, Sarasota Mortgage.

Start with our home purchase qualifier to see what you can afford in Orlando. This quick tool helped one buyer secure their non-conforming condo financing without traditional income documents. Avoid delays and confusion with non-conforming loans in Florida. ?? Get your rate today! ? Link in profile #OrlandoRealEstate #NonWarrantableCondo #FloridaHomeLoans