Home Affordability Hits 2.5 Year High

Christian Penner

Published on: 18/11/2025

In October 2025, the October 2025 Mortgage Monitor by ICE Mortgage Technology revealed a striking shift in the U.S. housing market: Best Homebuying Affordability in over two and a half years. Falling mortgage rates are creating breathing room for homebuyers, while housing supply is tightening, and annual home price growth is picking up. For families and individuals in West Palm Beach, North Palm Beach, Wellington, Florida, and nearby markets, this could be a pivotal moment to evaluate your buying or refinancing options.

Buying a homeSelling a HomeMortgage RatesBuying and Selling Your HouseLocal News and EventsAMS MoneyEpic Loans

The Housing Market Is Turning a Corner Going into 2026

Christian Penner

Published on: 17/11/2025

The housing market in West Palm Beach, North Palm Beach, and Wellington, Florida is quietly shifting. While the past few years have been marked by high mortgage rates and buyer hesitation, there’s a growing sense of momentum—a slow but steady change that could set the stage for a more active 2026. It’s not a frenzy. But it’s more than just a pause. For homebuyers, sellers, and investors in our local market, now may be the time to start positioning for what’s coming next. In this post, we’ll break down the three big trends driving this recovery, what the latest forecast from major institutions like Fannie Mae and Freddie Mac says, and how you can make smart moves in West Palm Beach, North Palm Beach, or Wellington with guidance from Christian Penner, your trusted Mortgage Broker, Mortgage Lender, Real Estate Agent, and Real Estate Advisor at America’s Mortgage Solutions (AMS).

Buying a homeSelling a HomeMortgage RatesBuying and Selling Your HouseLocal News and EventsAMS MoneyEpic Loans

Would You Let $80 a Month Hold You Back from Buying a Home?

Christian Penner

Published on: 12/11/2025

If you’re sitting on the sidelines of the housing market, watching mortgage rates hover in the low 6% range and thinking, “I’ll just wait until they dip into the 5s,” you’re not alone. Many potential buyers in West Palm Beach, North Palm Beach, or Wellington, FL, are doing exactly this — waiting for that small rate drop that might save them an extra $80 a month. But the real question is: Is it worth it? In today’s rapidly evolving real estate landscape, affordability is still a major hurdle, but savvy buyers are discovering that the math doesn’t always support waiting. That little monthly saving you’re eyeing? It may not move the needle as much as you think. Meanwhile, the costs of delaying homeownership — including rising home prices and intensifying competition — could outweigh what you’re hoping to gain. Let’s dig in.

Buying a homeSelling a HomeMortgage RatesBuying and Selling Your HouseLocal News and EventsAMS MoneyEpic Loans

Are Builders Overbuilding Again? Let’s Look at the Facts.

Christian Penner

Published on: 11/11/2025

If you’ve driven around West Palm Beach, North Palm Beach or Wellington recently, you may have noticed a surge of construction activity—shiny new single-family homes being built, “now selling” signs up, and large lots being developed. It can give the impression that builders are piling on and we may be repeating the mistakes of the last major housing crash. But as local mortgage broker, lender and real estate advisor Christian Penner at America’s Mortgage Solutions (AMS) can tell you: the story in South Florida is very different. The data shows that builders are pulling back, not over-building. This article will dive into why that matters, how the local trends compare to national ones, and what it means for buyers, sellers and investors in this region.

Buying a homeSelling a HomeMortgage RatesBuying and Selling Your HouseLocal News and EventsAMS MoneyEpic Loans