Hailey Homes at Willow Beach RE

08/22/2026

What's wrong with that??

08/22/2026

Your Happy Place is our Business.
🏡🏠🏡🏠🏡🏠🏡

08/07/2026

Love Gloucester?
Why not live there and love it even more!?

JUST LISTED!

(REINMLS) For Sale: 3 beds, 2 baths ∙ 2322 sq. ft. ∙ 4098 Providence (sr-636) Rd Unit Rd, Hayes, VA 23072 ∙ $425,000 ∙ MLS # 10647941 ∙ Charming & Spacious Ranch-Style Home, nestled in the Hayes area of...

06/29/2026

TODAY’s NATIONAL AVERAGE
for a 30-year fixed-rate mortgage is 6.38% to 6.54%.

Current average home loan interest rates vary depending on the loan term and type:
30-Year Fixed: ~6.38% to 6.54%
15-Year Fixed: ~5.88% to 5.95%

FHA (30-Year): ~6.00% to 6.30%
VA (30-Year): ~5.63% to 6.00%

*5/6 ARM: ~5.75% to 6.50%

**CAUTION**
-A quick look at a ‘5/6 ARM’ tells us the following:

“A 5/6 ARM is an adjustable-rate mortgage with an interest rate that is fixed for the first 5 years and then adjusts every 6 months.

How It Works:

The "5":
Your initial interest rate stays the same for exactly 5 years.

The "6":
After 5 years, your interest rate changes every 6 months.

The Adjustment:
The new rate depends on market indexes (like SOFR) plus a margin.

The Caps:
Built-in limits prevent your interest rate from rising too high at once.

PROS AND CONS:

Lower Initial Rate:
It usually offers a lower starting rate than a 30-year fixed loan.
Initial Savings:
Lower monthly payments save you money during the first 5 years.

Future Uncertainty:
Your monthly payment can increase SIGNIFICANTLY after the fixed period ends.
Refinance Risk:
You MUST sell or refinance before year 5 to avoid rate hikes.

Best For
-Buyers planning to sell the home within 5 years.
-Borrowers expecting to refinance before the fixed period ends.
-Buyers who expect their income to grow substantially before year 6.”

06/05/2026

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04/25/2026