Welcome to Flowers Realty - Serving Your Real Estate Needs

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 3.43%
30-Year Fixed Jumbo Rate 3.76%
15-Year Fixed Jumbo Rate 3.07%
7/1 ARM Jumbo Rate 3.56%
5/1 ARM Jumbo Rate 3.62%
* Conforming FNMA Loan Amount. Rates may include points.

Information updated: 4/01/2020

Real Estate Industry News

MBS Day Ahead: Data Doesn't Matter? Oh, It Will...

Posted To: MBS Commentary

This morning's ADP Employment showed a loss of 27k jobs. Forecasts called for a loss of 150k jobs compared to last month's report that was strongly positive at +183k. Normally, when ADP or NFP job counts beat their forecast by more than 100k jobs, it's enough to prompt at least a little bit of bond market weakness (i.e. higher rates), even in the recent era where jobs counts weren't that big of a deal. And it's a big deal for me to say ADP/NFP are not a big deal because they have historically been very big deals. In fact, there is no bigger deal in the economic data world than NFP (the non-farm payrolls component of the big jobs report). If it hasn't been a big deal for the past however many years, it's because the labor market has been so stable and strong . Almost...(read more)

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FHA Jobs; Broker, Marketing, Training Products; Servicing Trends; Processing and UW Changes

Posted To: Pipeline Press

“I hadn’t planned on giving up quite this much for lent.” So true. It is a different world than only a month ago. Of course rates are going to stay at these levels for a long time. But rate sheet prices are disconnected from MBS prices, which are disconnected from Treasury prices. Those of you who have subscribed to my commentary for more than a year know that I truly relish producing my April 1 edition. The April Fool’s Day Commentary has fooled many a senior executive and regulator, and the stories have brought many chuckles to readers. And although I inject some humor into my daily commentary, and will continue to do so, I didn’t have the heart to produce a totally farcical commentary this year, especially after spending 34 minutes of my “work at home”...(read more)

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Lessons From Great Recession Wall Street Buying Spree

Posted To: MND NewsWire

In an earlier article , (before more pressing issues shelved the topic) we summarized highlights from a recent New York Times Magazine article about the ownership of a large share of the nation's single-family rental stock by institutional investors. Part 1 recapped how private equity funds moved to purchase distressed single-family homes during the housing crises, turning it into rental stock. Their property management has been uneven, and tenants are suffering from significant financial abuses. The author, Francesca Mari, who tells much of the story through the eyes of Chad who is now renting the home he used to own, says the extent of the financial repercussions from Wall Street's investment are not limited to the rapid rent increases and unfettered fees we pointed to in the first article...(read more)

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