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 FHA Rate 2.79%
30-Year Fixed Jumbo Rate 3.07%
15-Year Fixed Jumbo Rate 3.01%
20-Year Fixed Rate 3.05%
15-Year Fixed Rate 2.91%
* Conforming FNMA Loan Amount. Rates may include points.

Information updated: 8/07/2020

Real Estate Industry News

Controller, MLO Jobs; ROI, Broker, AI, Jumbo Products; Compliance and State-Level Legal News

Posted To: Pipeline Press

Hundreds of thousands of people in the lending industry, their borrowers, and vendors are grappling with the refi price hit announced Wednesday evening by FHFA Director Calabria. From the Carolinas I received this from Rhonda M. “We are into the J’s now for Atlantic named storms. Wonder if Hurricane Jalabria might work?” In one sense it is merely a transfer of money directly from lenders to the Agencies and the FHFA. When refinancing from 4 percent to 3 percent what added risk is there in this rate term product? None, so why the “refi tax”? We’ll survive, of course, just as we have done with RESPA, TRID, and the 10 basis point increase to gfees that we’re still paying for after Congress directed the FHFA to implement due to the “Temporary”...(read more)

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Forbearances Decline for Second Week, Falling Below 4 Million

Posted To: MND NewsWire

Two entities, Black Knight and the Mortgage Bankers Association (MBA) have been tracking loans in forbearance plans since the start of the pandemic. They have diverged a bit in their numbers over the last half year, but both agree, in their most recent reports, that there are now fewer than 4 million borrowers in plans. MBA, in their report earlier this week, said there were 3.7 million loan in forbearance, or 7.67 percent of all loans in servicer portfolios. On Friday Black Knight's report put the number of 3.9 million, or 7.4 percent of the estimated 54 million loans being serviced. About 73 percent of those loans are in extensions of their initial 90-day plan. Black Knight says the current tally is down by 71,000 from the previous week and represents $852 billion in unpaid principal. There...(read more)

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MBS Day Ahead: Are Rates Ready To Be Done With This Correction?

Posted To: MBS Commentary

First thing's first, any conversation about rates in a mortgage market context would be incomplete without considering this week's regulatory drama. Specifically, FHFA just more than DOUBLED G-fees for refinances. Read all about it in the mega recap HERE . This surprise move threw lenders for a loop and most of them pulled pricing back significantly for obvious reasons. In other words, there was/is a disconnect between MBS movement and rate sheet changes and it could persist for another few days depending on the lender. Nonetheless, I'd generally expect that most of the disconnected movement between markets and rates would have happened yesterday. If the broader bond market is able to find a supportive ceiling for rates, the mortgage market should benefit from that as well. So is...(read more)

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