Mortgage rates near recent lowsMortgage rates have been hovering near recent multi-year lows, with some borrowers seeing rates briefly dip below 6% earlier this month. Day-to-day pricing can vary by lender and timing, but the broader trend has brought more buyers back into the market.In the Florida Keys, rate movement is only part of the decision. Limited inventory and renewed buyer activity have historically influenced pricing and timing just as much as interest rates themselves. Waiting for a marginal rate improvement can sometimes mean paying more for the home later.Why this matters in the Florida KeysThe Keys are a supply-constrained market. When buyer activity increases, pricing pressure can show up quickly, sometimes faster than rate changes alone would suggest. That’s why focusin... 01/15/2026