HeyJaredSouth Florida Mortgage Report
Welcome to The South Florida Mortgage Report — the only place where mortgages meet palm trees 🌴.Craig Garcia and Bill Mei aren’t just mortgage pros — they’re Florida natives, Navy vets (well, Bill is 😉), and seasoned guides through the sometimes wild and wavy waters of home…
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- Sep 29, 2026
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10,418 Condo Sellers Cut Their Price. 34 Advertised a Buydown. (opens the original)
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Mortgage rates went up for the fifth week in a row, and the 10-year Treasury is at its highest level since 2007. That part you've probably heard. Here's the part nobody is talking about. We pulled every active residential listing in Miami-Dade, Broward and Palm Beach County — about 36,800 properties. Narrow it to condominiums and there are 23,947 on the market in South Florida right now. 10,418 of them have already cut their price. Almost one in two. 34 of them are advertising a rate buydown. Th
Forget The Rate Hike, Oil Is Driving The Boat (opens the original)
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Forget the rate hike. Oil is driving the boat. The Fed raised rates Wednesday for the first time in three years. Twelve to nothing, not one dissent. It is the biggest thing they have done since 2023, and it is not the reason your rate is where it is. Rates don't wait for the Fed. The futures market had this hike at 90% two weeks ago, and the market prices in what it expects long before the announcement. So Craig Garcia and Bill Mei spend this one on the thing that actually has the wheel. A refer
UAD 3.6: Six Pages Becomes 22. Now Your Appraiser Needs a Photo of Your Parking Spot (opens the original)
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On November 2, the appraisal report changes shape for the first time in over fifteen years. UAD 3.6 — the Uniform Appraisal Dataset behind the redesigned URAR — does not change how your home gets valued. It changes how it gets written up. Chris Aumente has been appraising since 1987 and has run his own firm in Palm Beach County since 1995. He's also building his first sample reports on the new form right now, so he isn't describing it. He's doing it. **Both handouts from this session, plus the l
Amendment 3 Saves Broward Homeowners $1,879. Is That Worth What It Costs Your City? (opens the original)
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On November 3, Florida votes on Amendment 3. It would raise the homestead exemption by $200,000 over two years — and it needs 60% to pass. We got the two people best placed to explain it in the same room. Marty Kiar , the Broward County Property Appraiser, who ran the amendment against the actual 2025 tax roll. And State Representative Chip LaMarca , who voted to put it on your ballot. Marty has deliberately taken no public position, and his reason is worth the whole episode: "If I took a public
Broward Property Tax Deadline Is Friday. The Property Appraiser Says Don't Wait Until Friday (opens the original)
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Broward County homeowners: the deadline is Friday, September 18, 2026.If you think your property is assessed too high — or you're not getting an exemption you're entitled to — you have until Friday to start the process. After that, Marty Kiar is barred by statute from touching your property for this tax year, and you're stuck with the November bill.Marty Kiar is the Broward County Property Appraiser. In this clip he explains exactly what to do, and he makes one point worth hearing twice: **don't
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