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 3.22%
30-Year Fixed Jumbo Rate 2.94%
7/1 ARM Jumbo Rate 2.25%
30-Year Fixed Rate 2.41%
20-Year Fixed Rate 2.89%
15-Year Fixed Rate 2.47%
10/1 ARM Rate 2.62%
* Conforming FNMA Loan Amount. Rates may include points.

Information updated: 11/27/2020

Real Estate Industry News

MBS Day Ahead: Without Any Surprises, It's Just Another Weekend Trading Day

Posted To: MBS Commentary

For the US bond market, the day after Thanksgiving is frequently a reflection of the EU bond market. Strength in EU bonds translated to 10yr yields improving by 2bps (.862%). To be more precise, EU markets and US futures markets were still open yesterday. Stocks and bond yields (both at home and in the EU) moved moderately lower. As of this morning, EU bond markets were mostly holding yesterday's gains despite a full recovery in equities futures (S&P). US bonds are siding with EU bonds as opposed to the " risk-on " vibes suggested by the stock market bounce. MBS are up 2 ticks (0.06) in early trading. Nothing notable to report so far. There are no scheduled events of note on the calendar. Absent a significant and unexpected headline, today is effectively an early start to...(read more)

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High level Ops, Implementation Jobs; Demographics for MLO's: Who's Locking and Who's Not?

Posted To: Pipeline Press

Left over pumpkin pie for breakfast today? Have you begun your company’s Holiday Cookbook yet? (Help corporate culture by sending an email, ad a recipe, send it on to someone else working from home, keep it going.) Remember when “flexible” working arrangements made the news? For example, flexible work arrangements (think gig employment, independent contractors, and freelancers… and robots?) accounted for 94 percent of the net employment growth in the United States from 2005 to 2015. How the government regulates the treatment of these people will have broad reaching effects across the entire economy. Jared Kushner and Ivanka Trump know a little something about employment, and homes. They are expanding their “cottage” by the Trump National Golf Club in Bedminster...(read more)

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Forbearances Trending Slightly Higher, Well Below 2020 Peak Levels

Posted To: MND NewsWire

Despite a second consecutive modest weekly increase , the number of loans in forbearance continue to trend well below those at the peak of the COVID-19 pandemic. Black Knight said there was an uptick of 27,000 loans in forbearance plans during the period ended November 23. That reporting period was one day shorter than the usual week in preparation for the Thanksgiving holiday. The company reminds readers that "mild increases like this have been common in the middle of the month . Since the recovery started, the strongest declines have typically been seen early in the month, as expiring forbearance plans are removed." The reporting period ended with 2.78 million homeowners in forbearance. This is approximately 5.3 percent of the 53 million active mortgages in the U.S., up from 5.2 percent last...(read more)

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