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Florida Tolbert Team Keller Williams Advantage
We specialize in selling your Home or Land, and getting you the most from your sale. My team of agents are also here to help you, family, coworkers, friends SELL, INVEST, BUY in real estate.
Cell: 772-834-0099
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Jane Chaulklin-Schott
Central Florida Realtor -Windermere, DrPhillips, Bay Hill, Winter Garden, Lake Mary/Heathrow, Alaqua Lake. Luxury Golf & Country Club Estates, Butler Chain of Lakes Lakefront Homes-$150K-$100,000,000
Cell: (407) 394-9766
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Orlando, FL Real Estate News

By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Moving to a more affordable area could be the fresh start you need to get ahead financially. While some markets are certainly more affordable than others, know that working with a trusted real estate agent to find what fits your budget and your desired location – no matter where you want to be – is always the best plan. And with the rising cost of living, many people are rethinking where they live and looking for ways to cut expenses. If that sounds like you, here’s a great place to start (see visual below): These states are well known for lower housing costs, reduced insurance premiums, and more budget-friendly daily living expenses – but they’re not the only places to find a hidden gem. If you're open to relocating, you might discover the savings you’re looking for. Why Move to a Lowe...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
You may be wondering if home prices are going to crash. And believe it or not, some people might even be hoping this happens so they can finally purchase a more affordable home. But experts agree that's not what's in the cards – and here's why.There are more people who want to buy a home than there are homes available to purchase. That’s what drives prices up.Let’s break that down and explore why, nationally, home prices aren’t going to be coming down anytime soon.Prices Depend on Supply and DemandThe housing market works like any other market – when demand is high and supply is low, prices rise.According to the latest estimates, the U.S. is facing a housing shortfall of several million homes. That means there are far more people looking to buy (demand) than there are homes for sale (su...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Putting your house for sale on your own – often called “For Sale by Owner” or FSBO – might be on your mind. But you should know that it gets complicated very quickly, especially in today’s complex market.That’s why data from the National Association of Realtors (NAR) shows a record low number are going the route of selling on their own.Instead, more and more homeowners are choosing to work with a real estate agent (see graph below): And here’s why partnering with an expert is the go-to choice. Selling your home is a big deal, and while FSBO might seem like a way to save time or money, it comes with a lot of responsibilities. The selling process requires setting the right price, navigating a growing amount of legal paperwork, and creating a solid strategy to attract buyers. And going it ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
When planning a move, a newly built home might not be the first thing that comes to mind. But with more brand-new homes on the market and builders focusing on smaller, more affordable options, this type of home may just be the key to crossing the homebuying finish line.Here's why a new build is worth considering – and how an agent can help you find one that meets your needs and your budget.1. More Newly Built Homes Are Available Right NowFirst, let’s break down the types of homes on the market. A newly built home is a house that was just built or is under construction. On the other hand, an existing home is one a homeowner has already lived in.Right now, the number of existing homes for sale is still low. And, if you’re struggling to find something you like because there aren’t that man...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Today’s mortgage rates and home prices may have you second-guessing whether it's still a good idea to buy a home right now. While market factors are definitely important, there’s also a bigger picture to consider: the long-term benefits of homeownership.Think of it this way. If you know people who bought a home 5, 10, or even 30 years ago, you’re probably going to have a hard time finding someone who regrets their decision. That’s because over time, home values usually grow – and that means a homeowner’s net worth does too. Here's a look at how that can really add up over the years.Home Price Growth over TimeThe map below uses data from the Federal Housing Finance Agency (FHFA) to show how much prices have grown over the last five years. Since home prices vary by area, the map is broken...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
One of the biggest questions on everyone’s minds right now is: when will mortgage rates come down? After several years of rising rates and a lot of bouncing around in 2024, we’re all eager for some relief.While no one can project where rates will go with complete accuracy or the exact timing, experts offer some insight into what we might see going into next year. Here’s what the latest forecasts show.Mortgage Rates Are Expected To Ease and Stabilize in 2025After a lot of volatility and uncertainty, the most updated forecasts suggest rates will start to stabilize over the next year, and should ease a bit compared to where they are right now (see graph below): As Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), says:  “While mortgage rates remain elevated, they...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
A lot of people assume spring is the ideal time to sell a house. And sure, buyer demand usually picks up at that time of year. But here’s the catch: so does your competition because a lot of people put their homes on the market at the same time.So, what’s the real advantage of selling your house before spring? It’ll stand out.Historically, the number of homes for sale tends to drop during the cooler months – and that means buyers have fewer options to choose from.You can see how that trend played out over the past few years in this data from the National Association of Realtors (NAR). Each time, the supply of homes for sale dipped during these cooler months. And then, after each winter lull, inventory started to climb as more sellers jumped into the market closer to spring (see graph be...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
A recent study from the National Association of Realtors (NAR) shows most sellers (61%) completed at least minor repairs when selling their house. But sometimes life gets in the way and that’s just not possible. Maybe that’s why, 39% of sellers chose to sell as-is instead (see chart below):If you’re feeling stressed because you don’t have the time, budget, or resources to tackle any repairs or updates, you may be tempted to sell your house as-is, too. But before you decide to go this route, here’s what you need to know.What Does Selling As-Is Really Mean?Selling as-is means you won’t make any repairs before the sale, and you won’t negotiate fixes after a buyer’s inspection. And this sends a signal to potential buyers that what they see is what they get.If you’re eager to sell but money ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
There’s a misconception Wall Street is buying all the homes on the market. But data proves that isn’t true. Experts agree the share of homes bought by investors is declining – and most are smaller investors, like your neighbor who owns a second home, not Wall Street. No matter what you’ve heard, the majority of homes are still being purchased by everyday homebuyers like you – not big investors. Let’s connect if you have questions. Contact us:PHP Houses142 W Lakeview AveUnit 1030Lake Mary, FL 32746Ph: (407) 641-1531Fax: (407) 205-1951email: info@phphouses.comLet’s Connect:FacebookLinkedinTwitterInstagramThe information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or warrant the accuracy or comp...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Buying a home in today’s market can feel like an uphill battle – especially with home prices and mortgage rates putting pressure on your budget. If you’re feeling stuck, co-buying could be one way to help you get your foot in the door. Freddie Mac says:“If you are an aspiring homeowner, buying a home with your family or friends could be an option.”But there are some things you'll want to consider first. Let’s explore why co-buying is gaining popularity right now among some buyers and see if it may make sense for you too.What Is Co-Buying?Co-buying means buying a home with someone like a friend, sibling, or even a group of people. And, with today’s high home prices and mortgage rates, it’s an option more people are turning to.According to a survey done by JW Surety Bonds, nearly 15% of A...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
With rising home prices and volatile mortgage rates, it’s important you know about every resource that could help make buying a home possible. And one thing you’ll want to be aware of is just how much the number of down payment assistance (DPA) programs has grown lately.Take a look at the graph below to see how many new programs have been added in the last year, according to data from Down Payment Resource: More Programs, More Opportunities for You So, what does this increase mean for you? With more programs available, there’s a higher likelihood that one of them could help you reach your homeownership goals. And these programs aren’t small-scale help either – the benefits can go a long way toward covering a chunk of your costs. As Rob Chrane, Founder and CEO of Down Payment Resource, s...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
If you’ve been keeping an eye on mortgage rates lately, you might feel like you’re on a roller coaster ride. One day rates are up; the next they dip down a bit. So, what’s driving this constant change? Let’s dive into just a few of the major reasons why we’re seeing so much volatility, and what it means for you. The Market’s Reaction to the Election A significant factor causing fluctuations in mortgage rates is the general reaction to the political landscape. Election seasons often bring uncertainty to financial markets, and this one is no different. Markets tend to respond not only to who won, but also to the economic policies they are expected to implement. And when it comes to what’s been happening with mortgage rates over the past couple of weeks, as the National Association of Hom...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Let’s be real – buying a home right now is tough. You’re scrolling through listings, rushing to open houses, and maybe even losing out to more competitive offers. Somewhere along the way, you might’ve heard the reason it’s so hard to find a home is because big Wall Street investors are swooping in and snatching up everything in sight.But here’s the thing: that’s mostly a myth. While investors are part of the market, according to Redfin, they’re a relatively small part: Here’s what that means. Five out of every six homes are being purchased by everyday homebuyers like you – not big investors. So, before you get discouraged, let’s take a look at what’s really going on. You might be surprised to learn that Wall Street isn’t the competition you may think it is. Most Investors Are Small Mom-...
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By Florida Tolbert Team Keller Williams Advantage, Keller Williams Land Luxury Division Specialist
(Keller Williams Advantage III Realty in Lake Nona)
Another year closer to when the day will be the most GLORIOUS DAY when i can meet my lord and savior and see my GRANDDADDY once again! My granddaddy was the only father that I ever had in my life and I have memories of fishing with him as young as 3 in our little 14 foot Starcraft Boat with a 9.9 Johnson outboard on Lake Okeechobee. Him telling me stories about dropping the lantern overboard and hooked it weeks later and it still burning. I believed at 3. Him teaching me to cut grass when the 2nd bar of the lawn mower was taller than me, of him buying my first bike and teaching me to ride, of the stories he told and the buildings he shared that he worked on on Miami Beach like the 4 ambassadors, the first 40 story bldg in Miami.My granddaddy was a man of honor and integrity and this tim...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
If you’re debating whether or not you want to sell right now, it might be because you’ve got some unanswered questions, like if moving really makes sense in today’s market. Maybe you’re wondering if it’s even a good idea to move right now. Or you’re stressed because you think you won't find a house you like.To put your mind at ease, here’s how to tackle these two concerns head-on.Is It Even a Good Idea To Move Right Now?If you own a home already, you may have been holding off because you don’t want to sell and take on a higher mortgage rate on your next house. But your move may be a lot more feasible than you think, and that’s because of your equity.Equity is the current market value of your home minus what you still owe on your loan. And thanks to the rapid appreciation we saw over the...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
If you’re torn between renting or buying, don’t forget to factor in the wealth-building power of homeownership. Unlike renters, homeowners gain equity as they pay their mortgage and as home values rise. That’s why, on average, a homeowner’s net worth is nearly 40x higher than a renter’s. Let’s connect if you want to learn more about the financial benefits of homeownership or the programs that can help make buying possible. Contact us:PHP Houses142 W Lakeview AveUnit 1030Lake Mary, FL 32746Ph: (407) 641-1531Fax: (407) 205-1951email: info@phphouses.comLet’s Connect:FacebookLinkedinTwitterInstagramThe information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or warrant the accuracy or completeness...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
There are more homes on the market right now than there have been in years – and that could be a game changer for you if you’re ready to buy. Let’s look at two reasons why.You Have More Options To Choose FromAn article from Realtor.com helps explain just how much the number of homes for sale has gone up this year:“There were 29.2% more homes actively for sale on a typical day in October compared with the same time in 2023, marking the twelfth consecutive month of annual inventory growth and the highest count since December 2019.”And while the number of homes on the market still isn’t quite back to where it was in the years leading up to the pandemic, this is definitely an improvement (see graph below):With more homes available for sale now, you have more options to choose from. As Hanna...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Over the past few years, some homeowners have decided to delay their move because they don’t want to sell and take on a higher mortgage rate on their next home. Maybe you’re thinking the same thing. And honestly, that’s no surprise. It’s a very common roadblock and is one of the biggest factors that’s kept the number of homes on the market so low for so long. But a growing number of homeowners are deciding they just can’t wait any longer. Often, it’s because of personal or lifestyle change. As Redfin explains: “Some homeowners are opting to bite the bullet and give up their low rate in order to move. Many are selling because a major life event like a job change, or divorce . . .” If you’re weighing the decision to move, take a look at some of the top reasons others are choosing to sell...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
For over 79 years, Veterans Affairs (VA) home loans have helped countless Veterans achieve the dream of homeownership. But according to Veterans United, only 3 in 10 Veterans realize they may be able to buy a home without needing a down payment (see visual below): That’s why it’s so important for Veterans – and anyone who cares about a Veteran – to be aware of this valuable program. Knowing about the resources available can make the path to homeownership easier and keep life-changing plans from being put on hold. As Veterans United explains: “The ability to buy with 0% down is the signature advantage of this nearly 80-year-old benefit program. Eligible Veterans can buy as much house as they can afford, all without the need to spend years saving for a down payment.” The Advantages of VA ...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Trying to decide between renting or buying a home? One key factor that could help you choose is just how much homeownership can grow your net worth.Every three years, the Federal Reserve Board shares a report called the Survey of Consumer Finances(SCF). It shows how much wealth homeowners and renters have – and the difference is significant.On average, a homeowner’s net worth is nearly 40 times higher than a renter’s. Check out the graph below to see the difference for yourself:Why Homeowner Wealth Is So HighIn the previous version of that report, the average homeowner’s net worth was about $255,000, while the average renter’s was just $6,300. That’s still a big gap. But in the most recent update, the spread got even bigger as homeowner wealth grew even more (see graph below): As the SC...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
You may be hearing a lot of talk about the Federal Reserve (the Fed) and how their actions will impact the housing market right now. Here’s why.The Fed meets again this week to decide the next step with the Federal Funds Rate. That's how much it costs banks to borrow from each other. Now, that’s not the same thing as setting mortgage rates, but mortgage rates can be influenced through this process. And if you’re thinking about buying or selling a home, you may be wondering about the downstream impact and when mortgage rates will come down.Here’s a quick rundown of what you need to know to help you anticipate what’ll happen next. The Fed’s decisions are guided by these three key economic indicators: The Direction of Inflation How Many Jobs the Economy Is Adding The Unemployment Rate Let’...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
You’ve probably noticed one thing if you’re thinking about making a move: the housing market feels a bit unpredictable right now. The truth is, from home prices to mortgage rates, we’re seeing more volatility – and it’s important to understand why. At a high-level, let’s break down what’s happening and the best way to navigate it. What’s Driving Today’s Market Volatility? Factors like economic data, unemployment numbers, decisions coming out of the Federal Reserve (The Fed), and even the presidential election, are creating uncertainty right now – and uncertainty leads to market volatility. You can see that when you look at what’s happening with mortgage rates. New economic reports and other geopolitical events have an impact and can cause sudden shifts up or down, even though experts s...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Looking to buy a home but feeling like almost everything is out of reach? Here’s the thing. There’s still a way to become a homeowner, even when affordability seems like a huge roadblock – and it might be with a fixer upper. Let’s dive into why buying a fixer upper could be your ticket to homeownership and how you can make it work.What Is a Fixer Upper?A fixer upper is a home that’s in livable condition but needs some work. The amount of work varies by home – some may need cosmetic updates like wallpaper removal and new flooring, while others might require more extensive repairs like replacing a roof or updating plumbing.Because they need some elbow grease, these homes typically have a lower price point, based on local market value. In fact, a survey from StorageCafe explains that fixer...
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By Walter DiLoreto, Real Estate Short Sale Specialist
(PHP Houses)
Even if you’re not looking to move right away, you may have questions about how the election will impact the housing market. When we look at historical trends, combined with what’s happening right now, we can find your answers. Based on historical data, mortgage rates decrease in the months before and home prices and sales increase the year after the election. The facts show Presidential elections only have a small and temporary impact on the housing market. Contact us:PHP Houses142 W Lakeview AveUnit 1030Lake Mary, FL 32746Ph: (407) 641-1531Fax: (407) 205-1951email: info@phphouses.comLet’s Connect:FacebookLinkedinTwitterInstagramThe information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. The author does not guarantee or ...
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