Appreciation for Florida MSAs:.

Select a Florida MSA for Detail Appreciation Rates



Florida Appreication

Florida appreciation rates have slowed considerably over the past year. This can make owning property in Florida difficult. Mortgage programs that flourished under high appreciation rates are much riskier for banks under the lower appreciation rates. Many investors also obtained Adjustable Rate Mortgages and Negative Amortization loans. Many of these risky loans will cause you to owe more than your house is worth with low appreciation rates. It is very important under these conditions to refinance to a fixed rate mortgage loan.


In order to combat the effects of the slowing appreciation, interest rates are remaining low and the government is providing special loan programs to help homeowners with Adjustable Rate Mortgages. The Federal Housing Administration (FHA) allows you to borrow a higher percentage of your home’s value in order to compensate for the lowered appreciation we are currently experiencing. Where traditional loans would only allow you to borrow 95% of your home’s value, these FHA mortgages will allow you to borrow 97% of the homes adjusted value

Florida Appreciation Rates

Many people have been shocked by the slow down in Florida Real Estate. If you were only analyzing YEARLY appreciation data it took 8 months to realize property was no longer gaining value. Our quarterly appreciation analysis gave a head start on realizing the change in Florida.

Florida Appreciation Rates

Refinance Your Mortgage

With appreciation rates slowing down, mortgage financing is feeling a backlash. In order to avoid this backlash it is important to work with the absolute best lenders. When property appreciation rates were skyrocketing, local mortgage brokers could provide many products that they cannot today. We are committed to helping you find the best mortgage loans available.

Mortgage Loan Refinance

Reverse Mortgage Loans

We have found many users lately are using our appreciation data when considering a reverse mortgage loan. Property appreciation is an important factor in considering a reverse mortgage. In fact the Amortization Schedule in a reverse mortgage uses a property appreciation calculation, most lenders use 4% annually for this disclosure, but as you can see from our data, 4% appreciation is not always accurate.

Reverse Mortgage Information