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🏠 Mortgage Rates Hold Steady, While Homebuilders Adapt to Climate Risks

March 28 Market + Housing Insight for Florida Homebuyers

Florida homebuyers — wondering what happened with mortgage rates today? The answer: not much, and that’s actually good news.

Let’s break it down 👇

💸 Mortgage Market Update: Core PCE Brings Calm

Today’s most important economic report — the Core PCE Index, the Federal Reserve’s preferred measure of inflation — came in exactly as expected:

• 📈 Monthly (m/m) inflation: 0.3%

• 📉 Year-over-year (y/y) inflation: 2.7%

This consistency signaled stability to markets, and as a result, mortgage rates held steady. No sudden jumps. No surprises. Just smooth sailing for buyers and borrowers heading into the weekend.

If you're shopping for a home or preparing to lock your rate, this is a great time to have a conversation with your loan officer. Stability = opportunity.

🔥 From Steady Rates to Fire-Resilient Homes

While the markets stayed calm, something groundbreaking happened out West that could signal a shift for housing everywhere — especially in states like Florida where climate risks are real.

KB Home just launched the first-ever wildfire-resilient community near San Diego, California. It's called Dixon Trail, and it’s designed from the ground up to reduce risk and increase insurability:

• 🧱 Homes made with non-combustible materials like stucco

• 🌀 Enclosed eaves and gutters to prevent ember intrusion

• 🌴 Landscaping designed to slow or stop the spread of fire

• 💡 Built to meet the IBHS Wildfire Prepared Neighborhood™ standard

Why should Florida care about what’s happening in California?

Because we’re next.

Between hurricane season, flood zones, and rising insurance premiums, Florida is already experiencing the same insurance strain. Home safety, resilience, and insurability are no longer “nice to haves” — they’re essential.

🧠 What This Means for Florida Homebuyers

Whether you’re buying in Tampa, Orlando, the Treasure Coast, or South Florida — keep this in mind:

✅ Mortgage rates are steady right now, which can help with affordability.
✅ Climate risks are shaping housing policy — expect more attention on resilient construction.
✅ Insurability matters — ask questions about flood zones, construction quality, and local building codes.

🏁 Final Thoughts

It’s not just about when you buy — it’s about what you buy. As homebuilders across the country respond to climate challenges, Florida buyers should look for homes that offer both financial value and long-term safety.

Need help navigating the current market? Want to explore resilient home options or rate strategies? Let’s connect. Our team is here to guide you every step of the way.

📲 Ready to take the next step? [Contact us today] or check out our latest [first-time homebuyer programs in Florida].

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