Posts from September 9th, 2026
RSS Feed9
Florida Roof Age and Home Insurance: What the 15-Year Rule Means
Roof age frequently enters the conversation during a South Florida home purchase, an insurance renewal or a new quote. One number receives more attention than almost any other: 15 years. It is often described as a hard insurance cutoff, but that is not what Florida law says.
What Florida's 15-year roof rule actually says
Under Florida Statute 627.7011, an insurer may not refuse to issue or renew a homeowners p...
9
Mortgage Rates and the 10-Year Treasury: What South Florida Buyers Need to Know
If you are shopping for a home, you may hear advice to wait for the next Federal Reserve meeting before making a financing decision. That meeting matters, but not in the simple way the advice suggests. Mortgage rates can move before the Fed announces a decision, and they can move in a different direction afterward.
The Fed does not directly set your mortgage rate
The Federal Reserve sets a target range for the federal funds rate, the overnight rate at which depository institutions lend reserv...
