Understanding Real Estate Taxes and IRS Mortgage Interest Exemptions Real estate taxes are a fundamental cost of property ownership, yet they are often misunderstood. Beyond annual property tax bills, homeowners and investors must also consider how federal tax rules—particularly those established by the Internal Revenue Service (IRS)—affect the true cost of owning real estate. One of the most significant tax benefits available to property owners is the mortgage interest deduc

Hancock County , Harrison County , Jackson County Deadline: April 1, 2026 Mississippi Department of Revenue Website - Homestead Exemption Understanding Homestead Exemptions: How Homeowners Reduce Property Taxes and Protect Equity Homestead exemptions are one of the most valuable—and often overlooked—benefits available to homeowners. Designed to provide tax relief and financial protection, homestead exemptions can lower property tax bills, limit assessment increases, and, in

Mortgage Market and Rates: What Happened in the First Week of January 2026 As the calendar turned to 2026, the mortgage market started the year on a relatively stable yet cautious note. In the first seven days of January, mortgage interest rates hovered near levels not seen since late 2024, while broader economic signals and policy expectations continued to shape borrower sentiment and lender behavior. This early-year snapshot offers insight into where rates stand, what’s dri

Understanding the 3-3-3 Rule in Real Estate: A Practical Framework for Buyers in a Competitive Market In today’s housing environment—defined by persistent inventory shortages, elevated interest rates, and increasingly discerning buyers—decision-making frameworks are more valuable than ever. One model that has gained traction among both real estate professionals and consumers is the 3-3-3 Rule , an approach designed to simplify evaluation, manage expectations, and support conf

Interest Rates at the End of 2025: What Real Estate Buyers and Sellers Need to Know As 2025 draws to a close, interest rates remain one of the most critical drivers of the U.S. housing market. After a prolonged period of elevated borrowing costs, the market has experienced modest relief—though affordability challenges persist. Understanding where rates stand as we close the year, why they are at current levels, and how they may influence real estate decisions in 2026 is essen

Housing Affordability in Mississippi: How Home Prices Compare to Local Incomes Affordability remains one of the most important issues shaping today’s housing market, and in Mississippi the conversation is particularly nuanced. While the state is often cited as one of the most affordable places to buy a home in the United States, affordability cannot be evaluated on home prices alone. The true measure lies in how housing costs align with local household incomes. When viewed th

Buying a Home During the Holiday Season: Weighing the Pros and Cons The holiday period—roughly late November through December—might seem an odd time to dive into the housing market. Snow‑covered streets, festive decorations, and year‑end financial considerations create a unique backdrop for real‑estate transactions. Yet many buyers and sellers find that this season offers distinct advantages and challenges. Below, we explore the key factors...

Sellers Decluttering to get the highest sales price for your home. Decluttering & Depersonalizing: The Secret Sauce Behind Faster, Higher‑Value Home Sales Why it matters: When a buyer steps into a house, the brain instantly asks, “Can I see myself living here?” Too much stuff—or too much of your personal story—creates visual noise that blocks that mental image. A clean, neutral canvas lets buyers project their own lives onto the space, which research shows shortens time on m

How the government shutdown may impact loan applications. The following are some notes from Kevin Meador, a local lender at Loan Depot regarding recent Fed rate cut and the government shutdown: So what the heck happened yesterday with the Fed rate cut, because mortgage rates went slightly higher….   Mortgage rates are not directly tied to the Fed , they are more closely aligned with    the 10 Year Treasury . Around September, the mortgage world started to factor in an October

Fraud Alert What is Deed Fraud? Deed fraud occurs when a person illegally transfers the title of a property without the owner's consent, often by forging signatures or using false identities. This type of fraud can lead to significant financial loss for the rightful owner, as the fraudster may sell or mortgage the property, leaving the original owner with legal complications and potential loss of their home. Ways to protect yourself: Enhanced Title Insurance Enhanced title in

The future of Fannie Mae and Freddie Mac is a hot topic that stirs much debate. As the housing market evolves, many ask: is the end of federal conservatorship for these government-sponsored enterprises (GSEs) on the horizon? What are the potential implications of their exit from conservatorship? What challenges may this change affect? Understanding Fannie Mae and Freddie Mac Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corpora

keeping up-to-date and accurate information on mortgage rates is crucial

Mortgage Market Update: Inflation is cooling, uncertainty about new tariffs, etc.

Sarah Craddock, Realtor Blackwater Realty C: 251-289-7958 O: 228-344-2087 sarah.a.craddock@gmail.com www.sarahcraddockagent.com Mortgage...

Waterfront lot! With access to the Tchoutacabouffa River. Wonderful, quiet neighborhood. But still close to the Promenade...

Community Newsletter: local events, activities, and impactful news stories.

The city of Biloxi is on the verge of a transformation with its ambitious infrastructure project slated for 2025. As the Gulf Coast...