The Don Harkins Real Estate Show

The Headlines Are Lying About Florida Real Estate. Here’s The Truth

Send us Fan Mail [https://www.buzzsprout.com/2432801/fan_mail/new] If you’ve been trying to make sense of the real estate market lately, you’re not alone. Every week there are new headlines predicting crashes, surges, rate shocks, rent spikes, or “once-in-a-lifetime” opportunities. The problem is most of those predictions don’t match what is actually happening on the ground. In this episode, I break down the current Florida housing market using real data, real trends, and real transactions. We look at several widely circulated articles and predictions about home values, mortgage rates, rents, and market direction and compare them to what is truly unfolding in today’s market. You’ll see a clear “map” of what’s actually happening right now. In many areas, home values are modestly down year over year, while certain submarkets are holding stronger than others. Inventory dynamics, buyer behavior, affordability pressures, and financing structures are all playing a role in shaping outcomes that are very different from what headlines suggest. Most importantly, this video gives practical strategies for each major participant in the market: • Sellers: How to position your home to outperform competing listings in a more selective buyer environment • Buyers: Where the real opportunities exist and how to identify leverage in today’s negotiations • Landlords: How to adjust pricing and leasing strategy to protect occupancy and long-term returns • Mortgage borrowers: Financing structures and options that can materially improve affordability and execution Whether you are planning to buy, sell, rent, invest, or refinance, understanding the difference between media narratives and real market mechanics is critical. This video is designed to help you make decisions based on facts rather than fear or hype. If you have questions about your specific situation or want help navigating this market, feel free to reach out. Subscribe for weekly insights on real estate, mortgage strategy, and property investing. #FloridaRealEstate #HousingMarket #RealEstate2026 #MortgageRates #HomeBuying #HomeSelling #RealEstateInvesting #Landlords #HousingTrends #MarketUpdate To begin your Florida home search, Click Here: https://bit.ly/4ckH7AV [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUU1MEVyTDJjeHpnSmVmYWxXdGdRWk5PX0RIZ3xBQ3Jtc0trSzA1RFZEUTJfNERBaDRmb0ItQ08xdUE4aWJlMmJUejF2RlV1dmtyUndqTVhmcGtPbzlxQWdFVTI3MVdUYW5xcjNVTjJ0V290N28yaXVUU2FqZWRZc2ZQcEJDQzREcE02cXJ1VHJBa2ZHRnMtTlc2WQ&q=https%3A%2F%2Fbit.ly%2F4ckH7AV&v=Jk4Yd2mbEgo] To find out what your Florida home is worth, Click Here: https://bit.ly/3XIWrTn [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa29DUm8xMEpJYlMta205RTZVRGdISEI5TnduUXxBQ3Jtc0treFFKaDBQMHRwMHoyYVBSRGZrX2J1RElNcTFHSkxxRVk4eS1KZ2UxUHdBXzlJSlF0c29SQjAzVDVWRWZfaHVxOHJvOTl2aGtJMGh4akl2aDBNQ3RHcU5UUHJlRFBReDVFOTZVaU1WRy16Ri1YMkoxYw&q=https%3A%2F%2Fbit.ly%2F3XIWrTn&v=Jk4Yd2mbEgo] To get Pre-Approved for a Mortgage in Florida, Click Here: https://bit.ly/3dv0RbD [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU1MSFlDb0xNaWlPcVlqRnNjUFJ6eHc5WktWQXxBQ3Jtc0tuVXQ2RWs3ZDdsV01vNVBvV3Rjd0ctNUczT25OLUgzOF9EMnNjdGJrNVlHOTJpUk5tMzBVWVVROGVhTnF0OFZFcE52a2I3anpOb0xwRWVkdGFaaVB4b2xJMWV1b1Q5R01MbHdlaDR3dE5KbTRvNGZOTQ&q=https%3A%2F%2Fbit.ly%2F3dv0RbD&v=Jk4Yd2mbEgo] For Florida Property Management Services, Click Here: ... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU9uZUxUdHN0SnpvdF9LLUtpVWgweWw3d2ZmQXxBQ3Jtc0tuZlVoeGtnVi1mUGpmTUltWW13S1RKVU9PQk5OZFFJTzkxWTV6WlBQUFVaSzdTVWowU3d3dmJxOG1faVVjNl83QllEdV9iSkdiQkJFN1Z1VDdPMUFSbnN2cXdwOU8tSTJOcnBYNlVKTFFvRVB3MVpnWQ&q=https%3A%2F%2Fbit.ly%2F3xiQl0R&v=Jk4Yd2mbEgo]

Locked Out of the Housing Market? This 401(k) Change Could Help

Send us Fan Mail [https://www.buzzsprout.com/2432801/fan_mail/new] Breaking housing and mortgage news is circulating that could reshape how Americans buy homes, especially here in Florida. In this episode, we dive into the growing rumors that former President Trump may announce major changes to 401(k) rules that could allow buyers to use retirement funds for a downpayment on a home. As a Florida mortgage loan originator, I break down what this could actually mean for buyers, lenders, and the real estate market. We explore why downpayments remain one of the biggest barriers to homeownership, how many buyers might realistically use a 401(k) loan for a downpayment, and the potential risks most people are not talking about. We also zoom in on Central Florida and the Space Coast to analyze where this change could have the biggest impact. From Orlando and Winter Park to Orange County, Brevard County, and Merritt Island, we discuss which areas hold the most household wealth in retirement accounts and why those markets could see increased housing activity if mortgage rules shift. This episode also touches on Florida mortgage rates, residential mortgage trends, and what this kind of policy change could do to home prices if more buyers suddenly gain access to downpayment funds. Whether you are watching mortgage rates, considering buying a home, or already own property in Florida, this conversation will help you think through the real world implications before headlines turn into action. If you are looking for Florida mortgage rates explained by a broker, insights from a Florida mortgage loan originator, or clarity on downpayment strategies using a 401(k) loan, this episode is for you. Listen in for practical insight, local market perspective, and an honest discussion about opportunity versus risk in today’s Florida real estate market. To begin your Florida home search, Click Here: https://bit.ly/4ckH7AV [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUU1MEVyTDJjeHpnSmVmYWxXdGdRWk5PX0RIZ3xBQ3Jtc0trSzA1RFZEUTJfNERBaDRmb0ItQ08xdUE4aWJlMmJUejF2RlV1dmtyUndqTVhmcGtPbzlxQWdFVTI3MVdUYW5xcjNVTjJ0V290N28yaXVUU2FqZWRZc2ZQcEJDQzREcE02cXJ1VHJBa2ZHRnMtTlc2WQ&q=https%3A%2F%2Fbit.ly%2F4ckH7AV&v=Jk4Yd2mbEgo] To find out what your Florida home is worth, Click Here: https://bit.ly/3XIWrTn [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa29DUm8xMEpJYlMta205RTZVRGdISEI5TnduUXxBQ3Jtc0treFFKaDBQMHRwMHoyYVBSRGZrX2J1RElNcTFHSkxxRVk4eS1KZ2UxUHdBXzlJSlF0c29SQjAzVDVWRWZfaHVxOHJvOTl2aGtJMGh4akl2aDBNQ3RHcU5UUHJlRFBReDVFOTZVaU1WRy16Ri1YMkoxYw&q=https%3A%2F%2Fbit.ly%2F3XIWrTn&v=Jk4Yd2mbEgo] To get Pre-Approved for a Mortgage in Florida, Click Here: https://bit.ly/3dv0RbD [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU1MSFlDb0xNaWlPcVlqRnNjUFJ6eHc5WktWQXxBQ3Jtc0tuVXQ2RWs3ZDdsV01vNVBvV3Rjd0ctNUczT25OLUgzOF9EMnNjdGJrNVlHOTJpUk5tMzBVWVVROGVhTnF0OFZFcE52a2I3anpOb0xwRWVkdGFaaVB4b2xJMWV1b1Q5R01MbHdlaDR3dE5KbTRvNGZOTQ&q=https%3A%2F%2Fbit.ly%2F3dv0RbD&v=Jk4Yd2mbEgo] For Florida Property Management Services, Click Here: ... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU9uZUxUdHN0SnpvdF9LLUtpVWgweWw3d2ZmQXxBQ3Jtc0tuZlVoeGtnVi1mUGpmTUltWW13S1RKVU9PQk5OZFFJTzkxWTV6WlBQUFVaSzdTVWowU3d3dmJxOG1faVVjNl83QllEdV9iSkdiQkJFN1Z1VDdPMUFSbnN2cXdwOU8tSTJOcnBYNlVKTFFvRVB3MVpnWQ&q=https%3A%2F%2Fbit.ly%2F3xiQl0R&v=Jk4Yd2mbEgo]

🚨 JUST IN: Trump’s 50-Year Mortgage Drops Payments 40% – But Costs DOUBLE Lifetime? 🚨

Send us Fan Mail [https://www.buzzsprout.com/2432801/fan_mail/new] As a 15-year industry veteran who's helped thousands of families buy their dream homes, I'm diving DEEP into the latest White House bombshell: 50-year mortgages. Announced just yesterday (November 9, 2025), this could slash your monthly payments – but at what hidden price? I'll break down the REAL math, pros, cons, and why experts are calling it a "complete game-changer" (or total disaster). If you're a first-time buyer, millennial parent, or anyone eyeing the housing market, this is the definitive guide you NEED before rates change.In this Podcast: The Full Story: What Trump really said and why it's hitting headlines now. The Math Exposed: Crunching numbers on a $450K home – see how payments drop ... but interest skyrockets to DOUBLE what you'd pay on a 30-year loan. Pros That Sound Amazing: Lower payments = easier qualifying, more cash for life (kids' college? Renovations?). Cons That'll Keep You Up at Night: Ballooning interest (up to $500K+ extra!), equity buildup nightmare, and why banks might hike rates even higher. My Expert Advice: Who should jump in (hint: not everyone), alternatives like assumable rates, and steps to protect yourself TODAY. If this video saves you from a bad decision, smash that LIKE button 👍 and SUBSCRIBE for weekly mortgage myths busted + market updates. Drop a comment: "50-Year Mortgages: Yay or Nay?" – I'll reply to the top ones! Ready to chat your mortgage? DM me on X (@don_harkins) or book a free consult at Donharkinsrealty.com. Let's make homeownership work FOR you. #50YearMortgage [https://www.youtube.com/hashtag/50yearmortgage] #TrumpMortgage [https://www.youtube.com/hashtag/trumpmortgage] #HousingCrisis [https://www.youtube.com/hashtag/housingcrisis] #MortgageTips [https://www.youtube.com/hashtag/mortgagetips] #RealEstate2025 [https://www.youtube.com/hashtag/realestate2025] #HomeBuyingHacks [https://www.youtube.com/hashtag/homebuyinghacks] #FirstTimeBuyer [https://www.youtube.com/hashtag/firsttimebuyer] #MortgageBroker [https://www.youtube.com/hashtag/mortgagebroker] Not financial advice To begin your Florida home search, Click Here: https://bit.ly/4ckH7AV [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUU1MEVyTDJjeHpnSmVmYWxXdGdRWk5PX0RIZ3xBQ3Jtc0trSzA1RFZEUTJfNERBaDRmb0ItQ08xdUE4aWJlMmJUejF2RlV1dmtyUndqTVhmcGtPbzlxQWdFVTI3MVdUYW5xcjNVTjJ0V290N28yaXVUU2FqZWRZc2ZQcEJDQzREcE02cXJ1VHJBa2ZHRnMtTlc2WQ&q=https%3A%2F%2Fbit.ly%2F4ckH7AV&v=Jk4Yd2mbEgo] To find out what your Florida home is worth, Click Here: https://bit.ly/3XIWrTn [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa29DUm8xMEpJYlMta205RTZVRGdISEI5TnduUXxBQ3Jtc0treFFKaDBQMHRwMHoyYVBSRGZrX2J1RElNcTFHSkxxRVk4eS1KZ2UxUHdBXzlJSlF0c29SQjAzVDVWRWZfaHVxOHJvOTl2aGtJMGh4akl2aDBNQ3RHcU5UUHJlRFBReDVFOTZVaU1WRy16Ri1YMkoxYw&q=https%3A%2F%2Fbit.ly%2F3XIWrTn&v=Jk4Yd2mbEgo] To get Pre-Approved for a Mortgage in Florida, Click Here: https://bit.ly/3dv0RbD [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU1MSFlDb0xNaWlPcVlqRnNjUFJ6eHc5WktWQXxBQ3Jtc0tuVXQ2RWs3ZDdsV01vNVBvV3Rjd0ctNUczT25OLUgzOF9EMnNjdGJrNVlHOTJpUk5tMzBVWVVROGVhTnF0OFZFcE52a2I3anpOb0xwRWVkdGFaaVB4b2xJMWV1b1Q5R01MbHdlaDR3dE5KbTRvNGZOTQ&q=https%3A%2F%2Fbit.ly%2F3dv0RbD&v=Jk4Yd2mbEgo] For Florida Property Management Services, Click Here: ... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU9uZUxUdHN0SnpvdF9LLUtpVWgweWw3d2ZmQXxBQ3Jtc0tuZlVoeGtnVi1mUGpmTUltWW13S1RKVU9PQk5OZFFJTzkxWTV6WlBQUFVaSzdTVWowU3d3dmJxOG1faVVjNl83QllEdV9iSkdiQkJFN1Z1VDdPMUFSbnN2cXdwOU8tSTJOcnBYNlVKTFFvRVB3MVpnWQ&q=https%3A%2F%2Fbit.ly%2F3xiQl0R&v=Jk4Yd2mbEgo]

Interest Rates Plummet and New Migration Data Is Out Now

Send us Fan Mail [https://www.buzzsprout.com/2432801/fan_mail/new] In this episode of The Don Harkins Real Estate Show, we dive into the forces shaping Florida’s housing market right now. U-Haul’s mid-year migration data reveals Florida’s continued magnetism and its echoes of the pre-COVID decade. We break down what today’s rapid drop in mortgage rates to 12-month lows means for buyers and why the upcoming Fed meeting could flip that momentum on its head. You’ll also hear about a landmark Louisiana court ruling that gives landlords more control over pet fees for tenants with emotional support animals, plus a new law signed by DJT aimed at protecting mortgage borrowers from predatory trigger leads. Finally, we connect the dots on how borrowers can unlock exponential wealth-building by pairing today’s lower rates with a smart reinvestment strategy of extra principal reduction. Whether you’re a buyer, seller, landlord, or investor, this episode delivers timely insight you can put to work in today’s fast-moving market To begin your Florida home search, Click Here: https://bit.ly/4ckH7AV [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUU1MEVyTDJjeHpnSmVmYWxXdGdRWk5PX0RIZ3xBQ3Jtc0trSzA1RFZEUTJfNERBaDRmb0ItQ08xdUE4aWJlMmJUejF2RlV1dmtyUndqTVhmcGtPbzlxQWdFVTI3MVdUYW5xcjNVTjJ0V290N28yaXVUU2FqZWRZc2ZQcEJDQzREcE02cXJ1VHJBa2ZHRnMtTlc2WQ&q=https%3A%2F%2Fbit.ly%2F4ckH7AV&v=Jk4Yd2mbEgo] To find out what your Florida home is worth, Click Here: https://bit.ly/3XIWrTn [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa29DUm8xMEpJYlMta205RTZVRGdISEI5TnduUXxBQ3Jtc0treFFKaDBQMHRwMHoyYVBSRGZrX2J1RElNcTFHSkxxRVk4eS1KZ2UxUHdBXzlJSlF0c29SQjAzVDVWRWZfaHVxOHJvOTl2aGtJMGh4akl2aDBNQ3RHcU5UUHJlRFBReDVFOTZVaU1WRy16Ri1YMkoxYw&q=https%3A%2F%2Fbit.ly%2F3XIWrTn&v=Jk4Yd2mbEgo] To get Pre-Approved for a Mortgage in Florida, Click Here: https://bit.ly/3dv0RbD [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU1MSFlDb0xNaWlPcVlqRnNjUFJ6eHc5WktWQXxBQ3Jtc0tuVXQ2RWs3ZDdsV01vNVBvV3Rjd0ctNUczT25OLUgzOF9EMnNjdGJrNVlHOTJpUk5tMzBVWVVROGVhTnF0OFZFcE52a2I3anpOb0xwRWVkdGFaaVB4b2xJMWV1b1Q5R01MbHdlaDR3dE5KbTRvNGZOTQ&q=https%3A%2F%2Fbit.ly%2F3dv0RbD&v=Jk4Yd2mbEgo] For Florida Property Management Services, Click Here: ... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU9uZUxUdHN0SnpvdF9LLUtpVWgweWw3d2ZmQXxBQ3Jtc0tuZlVoeGtnVi1mUGpmTUltWW13S1RKVU9PQk5OZFFJTzkxWTV6WlBQUFVaSzdTVWowU3d3dmJxOG1faVVjNl83QllEdV9iSkdiQkJFN1Z1VDdPMUFSbnN2cXdwOU8tSTJOcnBYNlVKTFFvRVB3MVpnWQ&q=https%3A%2F%2Fbit.ly%2F3xiQl0R&v=Jk4Yd2mbEgo]

Learn To Predict The Housing Market With These 5 Sources

Send us Fan Mail [https://www.buzzsprout.com/2432801/fan_mail/new] If you want to truly understand what’s happening in the housing and mortgage market — without the noise, hype, or manipulation — this episode is for you. I break down the Top 5 trusted, unbiased data sources every real estate professional, investor, and serious buyer should be watching in 2025: •FHFA – Home Price Index for true price trends nationwide •NAR – Existing Home Sales to track sales volume, inventory, and demand •Cotality – Accurate, transaction-based home price analytics •Freddie Mac – Primary Mortgage Market Survey for weekly mortgage rates •MBA – Mortgage Credit Availability Index (MCAI) to understand lending conditions Learn how to track, interpret, and use these reports to stay ahead of market shifts, guide your clients with confidence, and make smarter investment decisions. If you’ve been relying on clickbait headlines or manipulated marketplace data, this video will show you where to find the real numbers that move the market. #HousingMarket #RealEstate2025 #HomeBuying #HomeSelling #RealEstateTips #HousingCrash #MarketAnalysis #RealEstateInvesting #MortgageRates #BuyerMarket #sellermarket  👉 Don’t forget to like, comment, and subscribe to stay informed on the latest real estate news and controversies. To begin your Florida home search, Click Here: https://bit.ly/4ckH7AV To find out what your Florida home is worth, Click Here: https://bit.ly/3XIWrTn To get Pre-Approved for a Mortgage in Florida, Click Here: https://bit.ly/3dv0RbD For Florida Property Management Services, Click Here: https://bit.ly/3xiQl0R To begin your Florida home search, Click Here: https://bit.ly/4ckH7AV [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUU1MEVyTDJjeHpnSmVmYWxXdGdRWk5PX0RIZ3xBQ3Jtc0trSzA1RFZEUTJfNERBaDRmb0ItQ08xdUE4aWJlMmJUejF2RlV1dmtyUndqTVhmcGtPbzlxQWdFVTI3MVdUYW5xcjNVTjJ0V290N28yaXVUU2FqZWRZc2ZQcEJDQzREcE02cXJ1VHJBa2ZHRnMtTlc2WQ&q=https%3A%2F%2Fbit.ly%2F4ckH7AV&v=Jk4Yd2mbEgo] To find out what your Florida home is worth, Click Here: https://bit.ly/3XIWrTn [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa29DUm8xMEpJYlMta205RTZVRGdISEI5TnduUXxBQ3Jtc0treFFKaDBQMHRwMHoyYVBSRGZrX2J1RElNcTFHSkxxRVk4eS1KZ2UxUHdBXzlJSlF0c29SQjAzVDVWRWZfaHVxOHJvOTl2aGtJMGh4akl2aDBNQ3RHcU5UUHJlRFBReDVFOTZVaU1WRy16Ri1YMkoxYw&q=https%3A%2F%2Fbit.ly%2F3XIWrTn&v=Jk4Yd2mbEgo] To get Pre-Approved for a Mortgage in Florida, Click Here: https://bit.ly/3dv0RbD [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU1MSFlDb0xNaWlPcVlqRnNjUFJ6eHc5WktWQXxBQ3Jtc0tuVXQ2RWs3ZDdsV01vNVBvV3Rjd0ctNUczT25OLUgzOF9EMnNjdGJrNVlHOTJpUk5tMzBVWVVROGVhTnF0OFZFcE52a2I3anpOb0xwRWVkdGFaaVB4b2xJMWV1b1Q5R01MbHdlaDR3dE5KbTRvNGZOTQ&q=https%3A%2F%2Fbit.ly%2F3dv0RbD&v=Jk4Yd2mbEgo] For Florida Property Management Services, Click Here: ... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbU9uZUxUdHN0SnpvdF9LLUtpVWgweWw3d2ZmQXxBQ3Jtc0tuZlVoeGtnVi1mUGpmTUltWW13S1RKVU9PQk5OZFFJTzkxWTV6WlBQUFVaSzdTVWowU3d3dmJxOG1faVVjNl83QllEdV9iSkdiQkJFN1Z1VDdPMUFSbnN2cXdwOU8tSTJOcnBYNlVKTFFvRVB3MVpnWQ&q=https%3A%2F%2Fbit.ly%2F3xiQl0R&v=Jk4Yd2mbEgo]