National House Search

Find new-construction homes and builder incentives in Palm Beach & Martin County. Free help comparing deals and touring homes. Call Simon: 561-704-0091

[National House Search @nhsamerica]

Building a new home? Your mortgage gets checked again. Fannie Mae: credit, income and asset papers no more than 4 months old on closing day; salaried job check within 10 business days.
https://t.co/wz90pbCFXc
#NewConstruction #Mortgage

[National House Search @nhsamerica]

New home in Lee County? Your 1st tax bill can be mostly the lot. FL values homes on Jan. 1; an unfinished home gets no value that year. Lehigh Acres 2026 rate: 11.2623 mills.
https://t.co/AGqzC1wfjd
#LeeCounty #PropertyTax

[National House Search @nhsamerica]

Zero down on a NEW home? A USDA loan can do it, if the address is USDA-eligible and household income is under 115% of the area median. FY2027 fees: 1.00% upfront, 0.35%/yr.
https://t.co/8U76nAM9Qq
#USDALoan #FirstTimeHomeBuyer

[National House Search @nhsamerica]

Two big forecasts see 2027 mortgage rates above 7%: Fannie Mae 7.5%, MBA 7.2% to 7.1%. Home prices up under 1%. Wait or buy? https://t.co/BhxK7abAXf #HousingMarket #MortgageRates

[National House Search @nhsamerica]

Florida: all remaining Citizens home policies need flood insurance for policies effective on or after Jan. 1, 2027. Citizens doesn't sell it. Are you on Citizens? https://t.co/xwN1VCRtPa #FloodInsurance #Florida

[National House Search @nhsamerica]

Your lender's title policy protects the lender, not you. On a new home, the owner's policy covers claims like unpaid contractors. Skip it or buy it? https://t.co/595F7UHCQU #TitleInsurance #NewConstruction

[National House Search @nhsamerica]

New home in Indian River County? Florida values it on Jan. 1. Not finished then? Year one can be lot-only, and year two jumps. File homestead by March 1. https://t.co/WqwdTSLaQT #VeroBeach #PropertyTax

[National House Search @nhsamerica]

New home looks finished but you can't close? It may be the certificate of occupancy. Florida's code says a building can't be occupied until it's issued, and lenders look for it. https://t.co/Q94mSTEJUZ #NewConstruction #HomeBuying

[National House Search @nhsamerica]

Lower rate isn't always the cheaper loan. APR adds points + fees. EXAMPLE: $5,400 in points cut the payment $97.48/mo, about 55 months to break even. https://t.co/R9bkjikXXe #MortgageRates #HomeBuying

[National House Search @nhsamerica]

New home in Martin County? Florida values it on Jan. 1. Not finished then? Year one can be lot-only, and year two jumps. File homestead by March 1. https://t.co/wgxeLeXj28 #StuartFL #PropertyTax

[National House Search @nhsamerica]

Your mortgage interest may not cut your taxes. You must itemize, and the 2026 standard deduction is $32,200 for married couples (IRS). https://t.co/wh6VLeBVev #MortgageInterest #HomeBuying

[National House Search @nhsamerica]

Your 3-day Closing Disclosure window counts Saturdays, not Sundays. Get it Tuesday, close Friday at the earliest. Only 3 changes restart the clock. https://t.co/xYbnCLq4yV #ClosingDisclosure #HomeBuying

[National House Search @nhsamerica]

New home in St. Lucie County? Florida values it on Jan. 1. Not finished then? Year one can be lot-only, and year two jumps. File homestead by March 1. https://t.co/7PMULjh6b5 #PortStLucie #PropertyTax

[National House Search @nhsamerica]

You may not need 20% down. FHA: 3.5%. Conventional: 3%. VA and USDA: 0% if you qualify. Median first-time buyer in NAR's 2025 survey: 10%. https://t.co/Bma1tgMaEZ #FirstTimeHomeBuyer #DownPayment

[National House Search @nhsamerica]

Builder credits have a cap. Conventional with under 10% down: 3%. FHA: 6%, buydowns included. Over the cap? It's not cash for you. https://t.co/Rl55G3IKJC #SellerConcessions #NewConstruction

[National House Search @nhsamerica]

Broward property tax bills go out Nov. 1. Pay in November and save 4%. Bought new? Your second bill can jump. Here's why:

https://t.co/cTjleC2POW

#BrowardCounty #PropertyTax

[National House Search @nhsamerica]

Family helping with your down payment? The gift letter needs the amount, a no-repayment line and the giver's details. And the giver can't be the builder.

https://t.co/dyX5uTRoho

#FirstTimeHomeBuyer #DownPayment

[National House Search @nhsamerica]

Buying a new home before you sell? Your lender may count both payments until your old home has a signed contract and cleared financing contingencies. What to know:

https://t.co/5mdixJ4Q32

#NewConstruction #MoveUpBuyer

[National House Search @nhsamerica]

$100K salary at 7.40% (Freddie Mac): about a $250K loan at 28% of income, about $347K at 36% in our example. A $500 car payment cuts it by ~$72K. The math: https://t.co/MBgEV1Kwbo #FirstTimeHomeBuyer #homebuying

[National House Search @nhsamerica]

5/1 ARM 6.43% vs 30-yr fixed 7.49% (MBA, week ending Oct 2). About $284/mo less on a $400K example loan for 5 years. Then the reset. Worth it? https://t.co/t62rlDX1bn #mortgage #homebuying