Welcome to Flowers Realty - Serving Your Real Estate Needs

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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 Fixed Rate 2.75%
20-Year Fixed Rate 2.94%
15-Year Fixed Rate 2.41%
10/1 ARM Rate 3.30%
* Conforming FNMA Loan Amount. Rates may include points.

Information updated: 4/20/2021

Real Estate Industry News

Mortgage Rates Back Near Lowest Levels in Weeks

Posted To: Mortgage Rate Watch

Mortgage rates hit their lowest levels in more than a month last Thursday, but reversed course later that afternoon. With that, it looked like rates would continue settling in to a sideways range for April (not a bad outcome considering the abrupt rate spike seen in the first 3 months of the year). But now today, the bond market (the primary consideration for mortgage rates) bounced back into the same stronger territory seen last week. Most mortgage lenders updated their pricing by the afternoon, bringing the average conventional 30yr fixed quote back near last week's lows. Based on the ground covered so far this year and the risk for additional upward pressure in the future, merely holding steady is a victory . Days like today, where rates move unexpectedly lower, are pleasant surprises, but...(read more)

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MBS RECAP: Decent Day For Bonds as Stocks Sell

Posted To: MBS Commentary

Decent Day For Bonds as Stocks Sell A good, old-fashioned "risk-off" rally has been hard to come by in 2021, but that's arguably what we saw today. Whether investors were shedding stocks due to broad economic/pandemic risks, corporate earnings, or some other reason, the net effect seems to have been for some of that cash to find its way into the bond market. Like the rally last Thursday, today's gains were driven, at least in part, by short-covering. As such, we shouldn't jump to conclusions about a sustained rally just yet. Econ Data / Events Fed MBS Buying 10am, 1130am, 1pm Market Movement Recap 08:36 AM Weaker at first then stronger in the overnight session. Net effect: roughly unchanged to start with 10yr yields at 1.603% and 2.5 coupons up 1 tick (+0.03). 10:32 AM...(read more)

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UI Says HARP 2.0 Could Help Pandemic-Era Borrowers

Posted To: MND NewsWire

The Urban Institute (UI) is advocating for a streamlined refinancing program similar to the Home Affordable Refinance Program (HARP) which aided many homeowners during the Great Recession to assist those impacted by the pandemic. HARP, which was used by more than 3.4 million borrowers between 2009 and 2018, offered simplified documentation, automated appraisals, no or reduced loan-level pricing adjustments, and mortgage insurance transferability to existing GSE (Fannie Mae and Freddie Mac) borrowers. Because home prices had dropped dramatically, leaving many borrowers underwater, eligibility was determined without regard to a mortgage's current loan-to-value (LTV) ratio. UI analysts Laurie Goodman and Edward Golding write that studies have estimated that HARP, by lowering monthly mortgage payments...(read more)

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