Rates Holding at 6.49% While Bidding Wars Return — The Loveland Report & The Loan Arranger

Rates Holding at 6.49% While Bidding Wars Return — The Loveland Report & The Loan Arranger

July 4, 2026 · 45 min

About this episode

The episode discusses the return of bidding wars in Central Florida amidst steady mortgage rates and negotiation pitfalls for buyers and sellers.

This week on The Loveland Report and The Loan Arranger Show, Cleve Loveland (Real Estate Planner) and Bruce Woodburn (The Loan Arranger) break down why multiple-offer situations are quietly creeping back into Central Florida even with plenty of inventory on the market — and the negotiation mistakes that cost buyers and sellers real money. In this episode: Mortgage rates holding steady around 6.49% national average, and what the Fed's recent comments mean for 2027 Why pricing a home "too fair" can actually backfire in negotiations, and how a well-educated buyer's agent changes the outcome The one red flag to watch for: real estate agents running side hustles instead of focusing 100% on your transaction Fresh listings across Mount Dora, Deltona, Belle Isle, Zellwood Station, Clermont, and a custom-built estate in downtown Oviedo Getting fully underwritten before you shop, not just pre-qualified, and why that matters when multiple offers are on the table A breakdown of Florida's proposed homestead tax exemption increase — from $50,000 up to $250,000 — and what it could mean for your property tax bill Smart uses of discount points, temporary rate buydowns, and buying out PMI upfront…

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