Closing Out Strong: December Moves & 2026 Momentum

 

As 2025 winds down and the holidays draw near, the real estate market is showing signs of both opportunity and transformation. While many take a seasonal pause, savvy buyers and sellers are stepping ahead, positioning themselves before the inevitable New Year rush.


In this final edition of the year, we highlight what’s changing in the South Florida market, spotlight mortgage and tax tips, and offer a forward-looking take on 2026, especially in high-demand areas like Davie and Weston. Whether you’re wrapping up your home search, considering a new investment, or preparing to list in early 2026, now’s the time to plan, prep, and act with clarity.


From market updates to financing incentives, plus your end-of-year checklist, this issue is designed to help you finish the year informed and step into 2026 with confidence.


Let’s make this season one of smart decisions and fresh momentum.

 

📊Market Update & 2026 Outlook

Shifting Inventory, Rising Opportunity

 

As the year winds down, we’re seeing key shifts that create strategic openings for buyers and sellers alike. In October 2025, statewide inventory rose to 5.1 months for single-family homes and 9.3 months for condos/townhomes, an encouraging trend for those seeking more options and negotiating power. (Source: Florida Realtors)

What It Means for You:

 

More inventory = less competition. Whether you're hunting for a primary home, a winter escape, or an investment property, the current landscape favors thoughtful buyers ready to move, while others pause

2026 Outlook:

 

Forecasts for 2026 remain optimistic. Many analysts expect a rebound in home sales, especially if mortgage rates ease further and seasonal demand returns. Now is the time to position yourself, before the new wave of activity arrives. (Source: Florida Realtors).

Buyer Insight:

 

Look beyond the listings you see online. Many sellers are adjusting quietly, with delayed listings, price improvements, or unlisted homes that agents know about. The best deals often happen before the “official” push in Q1.

 

💡 Mortgage & Financing Tips for Year-End Buyers

Close Out 2025 with Confidence

🕒 Why Timing Matters:
Getting pre-approved now puts you ahead of potential January adjustments. Lenders often update rate sheets and underwriting standards in Q1 based on broader economic signals. Acting in December, while competition is lower and seller flexibility is higher, can strengthen your negotiating position and streamline closing before 2026 begins. (Source: Zillow Group)

 

🏡 Resale vs. New Construction:
Don’t overlook new homes. Many builders are offering closing incentives, lower down payments, or even temporary rate buydowns that make their properties surprisingly affordable compared to resales. In some South Florida communities, builder credits can total thousands in savings, especially as they try to hit year-end quotas. (Source: Florida Realtors)

 

📋 Budget Smarter:
Beyond the mortgage rate, make sure you’ve built a full ownership budget. Factor in homeowner’s insurance (which is notably high in Florida), property taxes, HOA or condo dues, maintenance reserves, and any special assessments. These can impact affordability more  than rate fluctuations, so clarity here is key before committing.

 

📊 Bonus Tip: Evaluate Loan Options
Many buyers assume a 30-year fixed loan is the only smart choice, but depending on your goals, adjustable-rate mortgages (ARMs) or 15-year fixed loans may offer lower starting rates or faster equity build-up. If you plan to refinance in a few years or don’t intend to hold the property long-term, these alternatives could offer real advantages.

🎯 Action Plan:

Even with elevated rates, today’s market still offers paths to ownership if you plan smart. Let’s review your pre-approval options, compare financing offers, and match your strategy to the right homes before the new year brings more competition.

 

 

🏡 Florida + Local (Davie & Weston) Homebuyer & Tax Incentives You Should Know About

If you're planning to buy in Davie, Weston, or nearby South Florida communities, there are several assistance programs that could help reduce your upfront costs and make homeownership more accessible.

 

The Florida Hometown Heroes Housing Program provides up to 5% of the first mortgage loan amount (up to $35,000) to qualified full-time workers in key professions such as teachers, healthcare workers, first responders, and veterans. This assistance helps with down payment and closing costs and also includes reduced lender fees and competitive interest rates through approved lenders, ideal for buyers navigating higher home prices in areas like Davie and Weston.


At the local level, the Broward County Homebuyer Purchase Assistance Program offers a deferred-payment second mortgage to eligible buyers within the county. Depending on location and income, assistance can reach up to $80,000, making a real difference in markets with elevated housing costs. These loans are typically available to first-time buyers using the home as their primary residence and often come with no interest or payments until resale or refinance.

 

In addition, the Town of Davie periodically offers its own assistance through state SHIP funding. These local grants or loans help cover down payments and closing costs for income-eligible first-time buyers purchasing within town limits. Most of these loans carry 0% interest and deferred repayment terms, but availability may vary depending on funding cycles.

 

📲 Need help determining eligibility? I’m happy to assist you in reviewing your income, timing, and local qualifications to see what programs apply in Davie, Weston, or the greater Broward area.

 

 

🏡 Spotlight: What’s Ahead for Davie & Weston in 2026

As we turn the page to a new year, hyperlocal trends are set to shape the real estate scene in key areas like Davie and Weston. Both cities continue to draw attention from buyers and investors seeking strong community appeal, convenient location, and solid long-term value. 

 

In Davie, we’re seeing increased interest in single-family homes with larger lots, especially from out-of-state buyers relocating for work or lifestyle upgrades. With its blend of suburban calm, great schools, and ongoing development, Davie is poised for continued growth. Expect inventory to adjust slightly as new listings come online in Q1, giving buyers more selection in the early months of 2026.


Weston, on the other hand, remains a top-tier choice for those seeking move-in-ready properties in established neighborhoods. Homes here tend to hold value exceptionally well, and demand remains consistent despite broader market shifts. As we enter 2026, watch for a possible uptick in listings after the holidays, especially among homeowners planning a move tied to school calendars or job changes.

 

For both cities, early 2026 could bring fresh opportunities for well-prepared buyers and sellers alike. If you’re planning a move, let’s align your goals with these evolving local dynamics.

 

FEATURED LISTINGS

    • More

    For Buyers:

    Lock in Confidence

    Revisit your mortgage pre-approval as rate shifts may change your buying power. In Davie and Weston, motivated year-end sellers and growing inventory create strong opportunities. Take time to review your full budget, taxes, insurance, HOA fees, and maintenance, to ensure you’re prepared for a confident purchase.

    Find Your Dream Home

    Seller Prep for 2026

    If you're planning to sell in early 2026, now’s the time to prep. Declutter, update, or stage key spaces so you're ready when buyers return in January.

     

    In Weston, move-in-ready homes stand out. Listing post-holidays often means more serious attention before the spring market picks up.

    Sell Your Home with Confidence!

    Investor Year-End Moves

    Investors can use December to review gains, refinance, or access equity. If short-term rentals are on your radar in Pembroke Pines or Cooper City, check regulations and demand now.

     

    Also, talk to a CPA about potential deductions tied to 2025 real estate improvements or purchases.

    Explore Opportunities!


    📣 Share the Advantage


    Know someone thinking about buying, selling, or investing in South Florida this season?

    Whether they’re making their first move, preparing for a sale, or eyeing investment opportunities, now is the perfect time to share this newsletter and help them stay informed.


    📲 Want real-time updates, listings, or tips? [Facebook], [Instagram], and [LinkedIn].



    Thank you for letting me be part of your real estate journey!

    Wishing you a joyful holiday season and a strong start to 2026. I’ll be back next month with fresh insights, new opportunities, and the tools you need to succeed in South Florida’s ever-evolving market.










    I’m here to assist you with all your real estate needs. Feel free to reach out to me at any time.





    Roger Averbuj


    Broker     |     License ID: 3025119     |     Company: Prestige Heritage Realty



    Address: 5220 Davie Rd., Davie, FL, 33314, United States     |     Tel: +1(954) 663-8461     |     Email: roger@prestigeheritagerealty.com


    LinkedIn: Roger Averbuj     |      Facebook: Roger Averbuj Realtor      |      Instagram: Prestige Heritage Realty