Kristina Krykhtin
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01/19/2026
Today we honor the life and legacy of Dr. Martin Luther King Jr.
His vision of equality, justice, and opportunity continues to inspire progress—not only in our communities, but in how we lead, serve, and uplift one another.
“Faith is taking the first step even when you don’t see the whole staircase.”
May we keep moving forward together. 🤍
01/09/2026
🎙️ Coming up on the news with Betty!
We’re going to be talking through one of the most important real estate conversations happening in Florida right now — the potential shift in property taxes and what it could mean for buyers and sellers.
This isn’t about headlines or hype. It’s about how policy conversations alone can influence buyer psychology, seller strategy, and market momentum.
🏡 For buyers: Even the discussion of lower property taxes can impact long-term affordability, purchasing power, and why Florida continues to attract demand from high-tax states.
🏠 For sellers: These conversations matter because perception drives value. When buyers start factoring future tax relief into ownership costs, it can influence timing, demand, and how homes are positioned in the market.
We’ll also be sharing our honest take. Nothing has changed yet, but the fact that Florida is even having this conversation is significant. Smart buyers and sellers don’t wait for laws to pass — they pay attention to direction, sentiment, and momentum.
Looking forward to breaking it all down, cutting through the noise, and helping people understand how to think strategically as this unfolds. Stay tuned!
🚨 Weekly Market Update 🚨
Mortgage Rates Holding Near 2-Month Lows
📉 This Week’s Mortgage Rates:
🔹 30-Year Fixed: 6.20% APR (+0.01)
🔹 15-Year Fixed: 5.74% APR (No change)
🔹 5-Year ARM: 5.74% APR (No change)
📊 Rates Steady at Recent Lows
Mortgage rates continue to hold near their lowest levels of the past two months. The two lowest-rate days of 2025 so far occurred on September 16 and October 28, both just ahead of Federal Reserve rate cuts. In each case, rates dipped briefly before rebounding after the Fed’s broader commentary weighed on the bond market.
Since mid-December, the average 30-year fixed rate has gradually edged closer to those prior lows. While we are not yet below that floor, lenders are holding steady at levels last seen in late October.
At current levels, even small day-to-day improvements technically mark the lowest rates since October 28. A more meaningful move lower would push rates to their lowest point since early 2023.
🔍 What to Watch
With lighter trading conditions around the holidays, major rate movement is unlikely in the short term. Holiday market schedules often lead to brief, random fluctuations rather than sustained trends.
A clearer direction for mortgage rates is expected as January economic data is released, with particular attention on upcoming labor market reports.
🏡 What This Means for Buyers & Investors
✔️ Rates are elevated but stable
✔️ Opportunities exist for prepared buyers
✔️ Small improvements can create strategic entry points
✔️ Having a plan matters more than timing the exact bottom
💬 Let’s plan your next move with clarity and confidence.
Kristina Krykhtin
The Kristina Krykhtin Group
📩 [email protected]
🌐 kristinakrykhtin.exprealty.com
📞 (561) 559-7925
✨ Your trusted guide in South Florida real estate.
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