Welcome to Flowers Realty - Serving Your Real Estate Needs

photo of
Flowers Realty Services LLC
811 S. Central Expy, Ste.337
Richardson , TX 75080
(214) 432-5822
Naperville IL.

Having the right real estate agent or loan officer means having an individual who is committed to helping you buy or sell your home with the highest level of expertise in your local market. This means also to help you in understanding each step of the buying or selling process. This commitment level has helped us build a remarkable track record of delivering results.

Nothing is more exciting to us than the gratifying feeling we get from helping people meet their real estate needs. You can count on us to always do what's in your best interest. We pride ourselves on being honest, trustworthy, and knowledgeable in the real estate market. We know how important it is to find your dream home or get the best offer for your property. Therefore we will make it our responsibility to help you achieve those goals.

Whether you are an experienced investor or a first time buyer, we can help you in finding the property of your dreams. Please feel free to browse our website or let us guide you every step of the way by calling or e-mailing us to set up an appointment today.

Mortgage Rates


Average Rate*
30-Year FHA Rate 2.88%
7/1 ARM Jumbo Rate 2.38%
30-Year Fixed Rate 3.01%
20-Year Fixed Rate 2.92%
15-Year Fixed Rate 2.48%
10/1 ARM Rate 3.60%
* Conforming FNMA Loan Amount. Rates may include points.

Information updated: 9/23/2020

Real Estate Industry News

Mortgage Application Gains Resumed Post-Labor Day, Forbearances at Recent Lows

Posted To: MND NewsWire

Mortgage application activity rebounded last week from the previous week's Labor Day holiday lull. The Mortgage Bankers Association's (MBA's) Market Composite Index, a measure of mortgage loan application volume, increased 6.8 percent on a seasonally adjusted basis and 18 percent unadjusted during the week ended September 18. The prior week's results included an adjustment to account for the holiday-shortened work week. Both refinancing and purchasing application volumes were strong. The Refinance Index increased 9 percent from the previous week and was 86 percent higher than the same week one year ago. The refinance share of applications constituted 64.3 percent of the total, up from 62.8 percent a week earlier. The seasonally adjusted Purchase Index added 3 percent and the unadjusted index...(read more)

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MBS Day Ahead: Limited Data, Sideways Range, Fed Speakers, Treasury Auction

Posted To: MBS Commentary

You know times are tough in the world of bond market analysis when I resort to using an uninspired bullet point list of events for a headline. The only way it could get any worse would be something like " One Weird Trick To Dealing With Sideways Rates" or "Trader Reunited With Bond Market After 20 Years; You'll Never Believe What Happened Next" (both sponsored by Taboola or some such thing). But I digress... So yeah, bonds are sideways. That much we know. Are they sideways due to coronavirus-related uncertainty ? After all, 'winter is coming' (kids going back to in-person school in many cases, traditional infectious disease season, more activity moved indoors, etc.). Or are traders waiting to see the election outcome and how other traders play the election outcome...(read more)

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Sales Jobs; Marketing, AMC, Subservicer Products; Company Webinars; GSE Changes

Posted To: Pipeline Press

I know that plenty of folks at United Wholesale read this commentary, and the company is in the news about a merger that will take UWM public valuing it at $16 billion. Perhaps Bruce Springsteen reads this commentary, perhaps not, but he turns 71 today so Happy Birthday Boss! Out of curiosity, what does $500,000 buy, home-wise, in some of the cities and towns he has included in his songs, for the $1,700 monthly payment on a $400,000 loan (yes, I know a buyer doesn’t need to put 20 percent down!)? Let’s start with Lincoln , Nebraska, from “Nebraska” . ( This place is nice too.) Let’s head out to California with a “ bourgeois house in the Hollywood Hills from “57 Channels (and nothing on) .” Across the nation, on the “Streets of Philadelphia”...(read more)

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