“‘I’ll be right back on the sideline [coaching]’” he said. “‘I’m pretty sure many watching probably said that’s probably where you belong.’”

Who’s on the sideline? What are we talking about here?

We’re talking about a 44-year old NFL quarterback and probable Hall of Famer returning to play the game he loves after retiring after the 2021 season.

Philip Rivers didn’t light the league on fire. He went 0-3 with the Indianapolis Colts at the end of this past season and will return to coaching high school football in Alabama in his second retirement.

But the “old man” got off the sideline for one last passion play.

What does any of this have to do with Florida?

If you’re thinking of putting your present house up for sale outside the Sunshine State, and relocating here this spring home-buying season, we are calling an audible.

We have something that might spur you to get in the game and make the move.

Markets don’t wait — and year-end waits even less.

In the final stretch, money rotates, funds window-dress, tax-loss selling meets bottom-fishing, and “Santa Rally” chatter turns into real tape. Most people notice after the move.

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Interest rates have dropped below 6%.

From PBS:

“The benchmark 30-year fixed rate mortgage rate fell to 5.98% from 6.01% last week, mortgage buyer Freddie Mac said Thursday. One year ago, the rate averaged 6.76%.”

The article then spells out that bats will come alive this spring (I know, my sports metaphors are getting scrambled here):

“However, with the average rate on a 30-year mortgage now below 6% as the spring home-buying season begins, it could encourage prospective home shoppers who can afford to buy at current rates to shop for a home this spring.”

Cool, cool…you probably heard this. But what does it mean for Florida, where the weather is fair and the cost of living fairer?

The pandemic saw Florida in huge demand. Home valuations skyrocketed. New construction and dwindling resales couldn’t keep up with demand for better weather and no COVID-era lockdowns.

It was a seller’s market.

Then mortgage rates rose and the party came to a crashing halt from its 2022 peak. Buyers, like Philip Rivers, headed to the sidelines to coach and brave the cold in their current homes up north.

It’s a more balanced market now between buyers and sellers in the Sunshine State. Buyers are coming off the sidelines with more options and leverage.

So, if you live here, cash in on your equity. If you’re thinking of relocating here, strap on your helmet and get in the game ‘cause it just got cheaper to buy a home in Florida, right?

Lower interest rates resulting in cheaper Florida real estate is a major oversimplification.

Like anywhere, interest rates are major plasma in the blood coursing through the Florida real estate market.

Now that the 30-year rate has dropped under 6%, it might be time to get in the game, but that doesn’t necessarily mean it will be cheaper to buy a home in the Sunshine State.

It is a fact, though, that the economic conditions have buyers driving into the red zone. It’s time to either score or get off the field.

Team John Garuti is one of the leading Florida real estate teams and has sold hundreds of homes in the state.

As Team Leader, I read and act on every reply.

— John