Navy Fellas Realty Group

Real Estate, Residential sales and purchase

What’s Ahead For Mortgage Rates This Week – February 17th, 2026

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In an unexpected turn, the Consumer Price Index (CPI) showed that inflation came in cooler than expected for the month of January, falling to a five-year low.

The jobs report showed that unemployment numbers came in worse than expected, perhaps signaling further hesitation from the Federal Reserve, despite inflation data coming in favorably.

This is also in light of retail sales data showing that, when accounting for post-holiday trends, retail activity has hit a significant slump. This suggests that Americans’ buying habits have changed substantially from the prior year, offering further insight that price pressures are still present at current levels. There is still considerable speculation that the Federal Reserve will move forward with an additional rate cut later this year.

Consumer Price Index
Consumer prices rose less than expected in January, and the rate of inflation fell to a five-year low by one measure, offering an encouraging sign to Federal Reserve officials as they weigh whether to cut interest rates again. The consumer-price index increased a modest 0.2% in January, a tick below the Wall Street forecast.

Retail Sales
Retail sales were flat in December, the government said Tuesday in a report delayed by the federal shutdown last fall. The numbers are seasonally adjusted. Fourth-quarter sales more broadly were also on the softer side compared with the prior two quarters. Americans spent more money than they usually do in the spring and summer to avoid price increases tied to higher U.S. tariffs. It appears they scaled back purchases in the second half of the year to compensate.

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw a decrease of -0.06%, with the current rate at 5.44%
  • 30-Year FRM rates saw a decrease of -0.02%, with the current rate at 6.09%

MND Rate Index

  • 30-Year FHA rates saw a decrease of -0.13%, with current rates at 5.62%
  • 30-Year VA rates saw a decrease of -0.13%, with current rates at 5.64%

Jobless Claims
Initial Claims were reported to be 227,000 compared to the expected claims of 225,000. The prior week landed at 232,000.

What’s Ahead
GDP Estimates and PCE Index Inflation Data is set to release next week as the largest data releases.

The Cost of Waiting for the “Perfect” Home

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Many buyers delay decisions while waiting for a home that checks every box. While patience is valuable, perfection often creates paralysis. Understanding the difference between standards and unrealistic expectations helps buyers move forward with confidence.

Perfection Is Subjective
What feels perfect today may not feel perfect next year. Needs change, preferences shift, and priorities evolve. Holding out for flawlessness can delay progress indefinitely.

Opportunity Has a Window
Homes that align well with budget, location, and lifestyle do not appear endlessly. Buyers who hesitate too long often miss strong opportunities that were well-suited.

Compromise Is Strategic
Every purchase involves trade-offs. Smart buyers decide which features are essential and which are flexible. That clarity reduces stress and supports faster decisions.

Support Creates Confidence
A real estate agent helps buyers distinguish between deal-breakers and distractions. That guidance prevents second-guessing and builds momentum.

The goal is not perfection. The goal is alignment. When expectations are realistic, buyers move forward with clarity instead of hesitation.

Why Square Footage Is Overrated for Most Buyers

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Many buyers start their search with a specific number in mind. Square footage. While size matters, it is rarely the deciding factor in long-term satisfaction. How space functions often matters far more than how much of it exists.

Unused Space Creates Hidden Costs
Rooms that are rarely used still require maintenance, heating, and furnishing. Buyers often realize later that extra space added expense without improving daily life.

Layout Drives Comfort
A well-designed smaller home can feel more comfortable than a larger home with poor flow. Natural light, storage placement, and room connection shape how space feels.

Lifestyle Changes Over Time
Needs evolve. Flexible spaces adapt better to change than oversized layouts built for a single phase of life. Homes that offer versatility support long-term ownership.

Guidance Refines Priorities
A real estate agent helps buyers focus on how they live rather than how much space they think they need. That shift leads to more intentional decisions.

When buyers prioritize functionality over size, they often find homes that feel better and live better.

Why the Best Homes Rarely Feel Perfect at First

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Most buyers expect an instant emotional reaction when they walk into the right home. The idea of love at first sight is common, but in reality, many of the best homes do not create fireworks immediately. They create possibility, and that is often quieter.

Emotion Can Be Misleading
Strong reactions are not always reliable indicators of long-term satisfaction. A beautifully staged home can create excitement, while a less polished property may offer better functionality. Learning to separate emotion from practicality helps buyers make decisions that serve them beyond move-in day.

Potential Is Easy to Overlook
Many buyers struggle to see past surface-level details. Paint colors, outdated fixtures, or empty rooms can distract from strong layouts and solid locations. A good home does not always present itself perfectly, but it often reveals value through structure, flow, and adaptability.

Lifestyle Fit Matters More Than Trends
Design trends change quickly. Your lifestyle does not. A home that supports daily routines, future plans, and comfort often outperforms trend-driven choices over time. Function should always lead form when evaluating long-term happiness.

Guidance Sharpens Perspective
An experienced real estate agent helps buyers slow down and evaluate homes objectively. Asking the right questions shifts focus from cosmetic details to livability. That perspective prevents regret and supports confident decisions.

The right home often grows on you. When you look beyond first impressions, you create space for smarter choices that align with how you actually live.

What’s Ahead For Mortgage Rates This Week – February 9th, 2026

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While Consumer Sentiment has inched up slightly, Consumer Credit tells a different story. Credit usage has continued to rise, suggesting increased financial strain on consumers amid ongoing economic pressures such as inflation. Although another rate cut is still expected, its likelihood remains uncertain under the current administration.

Consumer Sentiment
Consumer sentiment was essentially unchanged, inching up less than one index point from last month and sitting about 20% below January 2025. Sentiment surged for consumers with the largest stock portfolios, while it stagnated and remained at dismal levels for consumers without stock holdings.

Consumer Credit
In 2025, consumer credit increased 2.4 percent, with revolving and nonrevolving credit increasing 3.4 percent and 2.0 percent, respectively. During the fourth quarter, consumer credit increased at a seasonally adjusted annual rate of 3.0 percent, while in December it increased at a seasonally adjusted annual rate of 5.7 percent.

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.01%, with the current rate at 5.50%
  • 30-Year FRM rates saw an increase of 0.01%, with the current rate at 6.11%

MND Rate Index

  • 30-Year FHA rates saw a decrease of -0.04%, with current rates at 5.75%
  • 30-Year VA rates saw a decrease of -0.04%, with current rates at 5.77%

Jobless Claims
Initial Claims were reported to be 231,000 compared to the expected claims of 212,000. The prior week landed at 209,000.

What’s Ahead
GDP Estimates and PCE Index Inflation Data is set to release next week as the largest data releases.

What Homeowners Need to Know About the Benefits of a Home Energy Audit

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With rising utility costs and growing awareness around sustainability, many homeowners are looking for practical ways to improve energy efficiency. One of the most effective first steps is scheduling a home energy audit. A home energy audit is a professional evaluation of how your home uses energy and where improvements can be made to reduce waste, lower costs, and enhance comfort.

Identifying Areas of Energy Loss
A home energy audit provides a detailed look at where your home may be losing energy. Certified auditors assess insulation, heating and cooling systems, windows, appliances, and lighting to determine what areas are contributing to inefficiency. Specialized tools help pinpoint drafts, air leaks, and underperforming systems that may not be obvious during everyday living.

Reducing Monthly Energy Expenses
Once inefficiencies are identified, homeowners can take targeted steps to reduce energy consumption. Improvements such as sealing air leaks, upgrading insulation, or replacing outdated equipment can lead to meaningful savings over time. Even smaller adjustments recommended through an audit can help lower utility bills and improve long-term affordability.

Improving Comfort and Indoor Air Quality
Energy efficiency upgrades often improve more than just cost. A well-sealed and properly insulated home tends to maintain more consistent temperatures throughout the year. Audits can also uncover ventilation concerns, which may impact indoor air quality. Addressing these issues creates a more comfortable and healthier living environment.

Supporting Environmental Sustainability
Reducing energy waste helps lower the demand for electricity and heating fuel, which contributes to decreased greenhouse gas emissions. Homeowners who make energy improvements after an audit are not only saving money, they are also supporting broader environmental conservation efforts through more responsible energy use.

Taking Advantage of Rebates and Incentive Programs
Many utility providers and government programs offer rebates or incentives for energy-efficient home upgrades. A home energy audit can help you understand which improvements may qualify and provide the documentation needed to access financial assistance. These programs can make upgrades more affordable and encourage homeowners to invest in efficiency.

A home energy audit offers valuable insight into your home’s energy performance and provides a clear roadmap for making impactful improvements. By reducing energy costs, enhancing comfort, supporting sustainability, and unlocking potential incentives, an audit can be a smart investment for any homeowner. Prioritizing recommended upgrades based on your budget and potential savings can help you move toward a more efficient, comfortable, and energy-conscious home.

Should You Sell Your Home As-Is?

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When preparing to sell a home, homeowners have several paths to consider. One option that is becoming increasingly common is selling a property as-is. This means the home is listed and sold in its current condition, without the seller completing repairs or renovations before closing. While this approach can offer convenience, it is important to understand both the benefits and potential trade-offs before making a decision.

Pros of Selling a Home As-Is
Selling a home as-is can be an appealing choice for homeowners who want a simpler and faster selling experience. Because no repairs are required, sellers can avoid the time, stress, and expense that often come with renovation projects. This option may be especially helpful for those facing a tight timeline, managing an inherited property, or wanting to move forward without additional investments.

Another advantage is cost savings. Repairing a home can quickly become expensive, particularly if there are larger structural or mechanical issues. By selling as-is, homeowners can avoid contractor fees, materials, and unexpected costs that sometimes arise once repairs begin.

In many cases, selling as-is can also attract buyers looking for fixer-uppers or investment opportunities. These buyers are often prepared to take on renovations themselves, which can lead to quicker sales compared to homes requiring extensive updates.

Disadvantages of Selling a Home As-Is 
Buyers typically factor repair costs into their offers, which may reduce the amount you receive compared to selling a move-in-ready home. In some situations, sellers may not achieve full market value because of the home’s condition.

Although selling your home as-is may be quicker and easier, it usually leads to a reduced sale price.
Selling as-is may also limit the number of interested buyers. Many homebuyers prefer properties that require minimal work, which means your listing may appeal mainly to investors or experienced buyers willing to manage repairs. This can narrow the buyer pool and affect competition.

It is also important to note that selling as-is does not remove legal disclosure requirements. Sellers are still responsible for disclosing known material defects. Failure to do so can lead to serious legal complications after the sale.

Key Considerations Before Selling As-Is
Before choosing this route, it is helpful to evaluate the home’s overall condition. Some minor repairs or cosmetic improvements may significantly increase buyer interest and allow for a higher selling price.

Understanding what truly needs attention can help you decide if selling as-is is the best strategy.
Consulting with real estate professionals is also essential. An experienced agent can provide insight into your local market, buyer expectations, and pricing strategies. Their guidance can help you position the property correctly and avoid surprises during negotiations.

Finally, weigh the financial impact carefully. Compare the estimated cost of repairs against the potential increase in sale price. In some cases, the convenience of selling as-is may outweigh the additional profit that renovations could bring, but this calculation depends on your goals and timeline.

Selling a home as-is can be a practical solution for homeowners seeking a faster, lower effort sale. However, it is important to understand the potential challenges, including pricing adjustments and a smaller pool of buyers. By assessing the property, seeking professional advice, and reviewing the financial trade-offs, you can make an informed decision that supports your selling goals.

Investing in a Sustainable Future Green Real Estate

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In the ever-evolving landscape of real estate, an increasing number of investors and homebuyers are recognizing the importance of sustainability and eco-friendliness. Green real estate, which encompasses properties designed with a focus on environmental efficiency and resource conservation, is gaining prominence as a smart and responsible investment. This blog explores the key aspects of green real estate and why it is becoming an attractive option for consumers.

Environmental Benefits of Green Real Estate:
Green real estate developments prioritize eco-friendly construction practices and materials. These projects often incorporate renewable energy sources, efficient insulation, and sustainable landscaping. By choosing green real estate, investors contribute to reducing carbon footprints and minimizing the environmental impact of urban development.

Energy Efficiency and Cost Savings:
One of the most appealing aspects of green real estate is its emphasis on energy efficiency. Sustainable homes are equipped with energy-saving appliances, solar panels, and advanced insulation, leading to lower utility bills. Over time, these cost savings can significantly offset the initial investment, making green properties financially attractive in the long run.

Healthy Living Spaces:
Green real estate is designed with occupant health in mind. Features such as improved indoor air quality, non-toxic building materials, and ample natural light contribute to a healthier living environment. Buyers are increasingly valuing properties that prioritize well-being, making green homes a sought-after choice.

Government Incentives and Certifications:
Many governments around the world offer incentives for green building initiatives. These can include tax credits, rebates, and grants for energy-efficient upgrades. Additionally, third-party certifications, such as LEED (Leadership in Energy and Environmental Design), can add value to a property and assure buyers of its sustainability credentials.

Resilience to Market Changes:
As awareness of climate change grows, so does the demand for sustainable living spaces. Investing in green real estate positions buyers to meet the evolving preferences of the market. Sustainable properties are likely to maintain or increase their value over time, making them a resilient and future-proof investment.

Community and Social Impact:
Green real estate projects often contribute to community well-being. Sustainable neighborhoods may feature green spaces, communal gardens, and pedestrian-friendly infrastructure, fostering a sense of community. Investors in green real estate play a part in creating positive social and environmental impacts.

Green real estate represents more than just a trend, it is a meaningful shift toward smarter, healthier, and more sustainable living. By investing in eco-friendly properties, buyers and investors can enjoy long term financial benefits, improved quality of life, and the satisfaction of supporting a cleaner future.

As sustainability continues to shape the real estate market, green building practices will play an essential role in creating resilient communities and lasting value for generations to come.

Why Flexible Bonus Rooms Matter More Than Home Theaters

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When you are searching for a home, it is easy to get excited about dramatic features like built-in home theaters. They look impressive, they photograph well, and they feel luxurious during a showing. But as real estate professionals, we see something different in day-to-day living.

Most buyers end up valuing flexible bonus rooms far more than dedicated home theaters. A bonus room can adapt to your changing lifestyle, while a home theater often serves one purpose and one purpose only. Understanding the difference helps you choose a home that supports how you actually live.

Bonus Rooms Adapt as Your Life Changes
The biggest advantage of a flexible bonus room is its ability to grow with you. Today it might be a home office, tomorrow it could be a nursery, guest room, gym, or craft space. As your needs shift, the room shifts with you. Home theaters, on the other hand, are designed for single use. They often require dark rooms, built-in seating, and specialized wiring, which limits how easily you can repurpose the space later.

Buyers Want Multi-Use Spaces, Not Just Entertainment
Most buyers tell us they want space that makes their life easier, not space they only use on weekends. With so many people working remotely or running side businesses, bonus rooms quickly become one of the most valuable parts of a home. They offer flexibility for work, hobbies, or extra storage. Home theaters are fun, but they rarely make the top of the must-have list for practical buyers who prioritize everyday functionality.

Home Theaters Can Be Expensive to Update or Remove
A dedicated theater room sometimes requires upgrades, repairs, or removal to make it functional for another purpose. The built-in risers, heavy wiring, dark paint, and specialty lighting can be costly to undo. Buyers often see them as projects instead of perks. A bonus room, however, is a blank canvas. With neutral flooring and standard electrical layouts, it can be transformed quickly without major renovation costs.

Flexible Rooms Improve Your Home’s Resale Appeal
Because bonus rooms work for almost any lifestyle, they appeal to a much wider range of buyers. A family may want a playroom, a couple may want a gym, and a remote worker may want an office. A single-purpose home theater only appeals to a small percentage of buyers. When a room can meet multiple needs, it adds real value and increases your home’s marketability when you decide to sell.

Bonus Rooms Support Everyday Living
At the end of the day, your home needs to work for your daily routine. Flexible rooms create space for the things that matter most. Whether you need a quiet work area, a spot for kids to play, or a peaceful place to unwind, a bonus room gives you long-term freedom. Home theaters offer entertainment, but bonus rooms offer convenience and comfort every single day.

Choosing a home with a flexible bonus room gives you more versatility, more value, and more long-term usefulness than a dedicated home theater. It is the kind of space that adapts with your life, supports your routine, and makes your home feel truly functional.

What’s Ahead For Mortgage Rates This Week – February 2nd, 2026

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While many were optimistic about an additional rate cut, the Federal Reserve has decided to maintain current interest rates pending further data. They have previously stated that at least one more rate cut would follow the last one, but their stance now appears to depend on the availability of sufficient supporting data.

Recent Core PPI reports have also been released, and the data conflicted with earlier CPI and non-core PPI reports. The reports showed that inflation for producers along major production pathways has increased more than expected. This is likely to result in a noticeable increase in wholesale prices across the board.

Additionally, despite the policy intentions behind the tariffs, the trade deficit has remained firmly elevated amid recent policy changes. It is unlikely that even more significant tariff adjustments will lead to a narrowing of the trade deficit. Consumer confidence has also declined for another consecutive week, despite the economy continuing to show signs of strength.

Core PPI
The cost of wholesale goods and services rose sharply at the end of last year, underscoring that the battle against inflation is far from over as President Donald Trump names his pick for chair of the Federal Reserve. Producer prices jumped 0.5% in December, an index published by the government showed. The report was delayed by the government shutdown last fall.

Trade Deficit
The trade deficit fell a few months ago to a 16-year low, but it was fool’s gold. The U.S. is still running a trade gap near historically high levels. In November, the deficit almost doubled to $56.8 billion from just $29.2 billion in October.

Consumer Confidence
The stock market keeps hitting record highs, unemployment is low and the economy is growing surprisingly fast, but Americans were in a foul mood as the new year got under way. A long-running survey of consumer confidence fell in January to a 12-year low, dipping below even the worst readings during the pandemic.

Primary Mortgage Market Survey Index

  • 15-Year FRM rates saw an increase of 0.05%, with the current rate at 5.49%
  • 30-Year FRM rates saw an increase of 0.01%, with the current rate at 6.10%

MND Rate Index

  • 30-Year FHA rates saw a decrease of -0.06%, with current rates at 5.79%
  • 30-Year VA rates saw a decrease of -0.06%, with current rates at 5.81%

Jobless Claims
Initial Claims were reported to be 209,000 compared to the expected claims of 205,000. The prior week landed at 210,000.

What’s Ahead
Unemployment Data, Consumer Credit, and U.S. Hourly Wages are set to release next week, with an additional Consumer Sentiment report by the Univ. of Michigan.