Zoltan Serfozo, Realtor

01/14/2026

Declutter Your Home Before Listing Selling your home?

Starting with a good declutter makes all the difference.

A clutter-free space instantly feels larger, brighter, and more inviting—allowing buyers to picture their life in your home instead of focusing on your stuff.

It creates that crucial "wow" first impression and often leads to stronger offers and faster sales.

You've got this! Take it one room at a time—you'll be amazed how peaceful (and valuable) your home starts to feel
Ready to get started and make your listing shine?

Plan ahead today—reach out to us, trusted real estate experts who can guide you through the perfect prep process with confidence.

Your dream sale is closer than you think!

Who's tackling one drawer or closet this week?

Call OR text:

TEAM SERFOZO

Tina Serfozo 813-391-3590
Zoltan Serfozo 813-789-0453
RE/MAX Premier Group

01/13/2026

Everyone's waiting for the perfect time to buy. Spoiler: It doesn't exist. And the wait is costing you.

Scenario 1: You wait for lower rates
Rates drop from 7% to 5.5% (your dream!)

What actually happens:

Every other buyer floods the market
That $450k house now has 8 offers
Seller gets $485k after bidding war
You're competing with 7 other buyers
You lost the house AND paid more

Your "savings" from lower rates?
Eaten by the $35k price increase.

Scenario 2: Rates stay high
You buy now at 7% on a $450k house

What actually happens:

Monthly payment: $2,995
You have negotiating power (less competition)
Seller accepts $440k (market's slower)
You close without drama

When rates drop in 2 years:

You refinance to 5.5%
New payment: $2,497
You saved $498/month
AND you bought at lower price
AND you have 2 years of equity

The math nobody's doing:

Rent: $2,200/month × 24 months = $52,800 (gone forever)

House appreciates 3%/year = $27,540 (you missed)

Equity from payments = $18,000 (you missed)

Total cost of waiting: $98,340

Buying now scenario:

Higher payment for 24 months = extra $9,000
Then refinance and save
But you gained $27,540 in appreciation
Plus $18,000 in equity
Net gain: $36,540

Waiting cost, you $134,880.

The truth about timing the market:

Best case: You wait, rates drop, you save some money on interest

Likely case: You wait, rates drop, prices spike, you pay more overall

Worst case: You wait years, miss equity gains, pay $100k+ in rent

Actual best case: Buy when you're ready, refinance when rates drop

You can refinance your rate.
You can't refinance your purchase price.
Or the equity you missed.
Or the rent you paid.

The "perfect time" is a myth.

Call or Text 813-789-0453 if you would like to chat:

Zoltan Serfozo, Realtor
RE/MAX Premier Group

01/13/2026

01/13/2026

ATTENTION TAMPA BAY BUYERS:

📉 Mortgage rates are trending in the right direction and that’s BIG news for buyers!

We just received today’s updated long term interest rate snapshot, and it’s bringing some encouraging momentum into the market:

🏡 Today’s Highlights:

• 30-Year Conventional Fixed: 5.625%/ No Points!
• 15-Year Conventional Fixed: 4.875%
• FHA 30-Year Fixed: 5.50%
• VA 30-Year Fixed: 5.50%
• Medical Professional 7-Year ARM (100% financing): 6.0%

And here’s the even bigger headline 👇

The White House has directed Fannie Mae and Freddie Mac to purchase $200 BILLION in mortgage-backed securities a move designed to help bring mortgage rates down even further and support homeownership.

What does that mean for you?

More buying power, lower monthly payments, and better affordability for anyone thinking about making a move this year.

Call OR Text:

Tina Serfozo: 813-391-3590
Zoltan Serfozo: 813-789-0453
RE/MAX Premier

01/12/2026

2019: "I'm waiting for the market to crash."
2020: "Pandemic! See? I was right!"
2021: "Prices are insane. I'll wait."
2022: "Rates are too high. I'll wait."
2023: "Still too expensive."
2024: "New administration..."
2025: Still renting. Still waiting. Still wrong.

Meanwhile, the "panic buyers" of 2019?
They own homes worth $95k more.
They've built six years of equity.
They're not paying rent.

The crash you're waiting for?
Even if prices drop 15%, that's $417k → $354k.
Still $32k more than 2019.
You're still behind.

And when prices DO drop?
Every "patient" buyer floods the market.
That $354k house gets 15 offers.
Bidding war pushes it to $375k.
You waited six years to overpay anyway.

One of you is winning. Hint: Not you.

Every year you wait costs:

Appreciation you'll never recover
Equity you'll never build
Rent you'll never get back.

01/08/2026

Getting ready to list your home? Smart kitchen updates can elevate your home’s appeal and enhance its market value.

1. Upgraded Appliances
2. Modern Cabinets and Island
3. New Countertops and Finishes
4. Modern Light Fixtures
5. New Flooring

Want a few more more resale ready tips? Check out some of our recs: https://rem.ax/RenovationsThatBoostResale

01/08/2026

01/05/2026

For Sale in HOLIDAY. 🏡

👨‍👩‍👧‍👦 For INSTANT ACCESS to all photos, details and more, go to https://www.searchallproperties.com/information/3444943

One or more photo(s) has been virtually staged. Move In Ready in Holiday Lake Estates. Freshly painted w updated Kitchen and Bathroom, this home live.... ❤️

Office: (813) 929-7600

Get the Current Price, Photos, Details & More Now!

12/30/2025

Perspective is everything. Right now, everyone's waiting for rates to drop.

"I'll buy when rates get back to normal."

But what if 'normal' isn't what you think it is?

Let's talk about what mortgage rates have actually been
throughout history:

1970s: Average rate around 8-9%

1980s: Hit 18.45% (yes, eighteen)

1990s: Hovered around 8-10%

2000s: Dropped to 6-7%

2010s: Historic lows of 3-4%

The 3% rates of 2020-2021?

That wasn't normal. That was a once-in-a-lifetime anomaly.

What everyone's calling "high" right now is actually what our parents' generation considered standard.

And they bought houses.

And built wealth.

And didn't wait for the "perfect rate."

Here's what they understood that we've forgotten:

You're not marrying the rate.

You can refinance when rates drop.

But you CAN'T refinance:

The price you paid (it's going up)

The equity you missed (appreciation compounds)

The rent you paid (gone forever)

The time you lost (can't get it back)

The buyer who waits for rates to drop misses this:

When rates drop, prices spike.

The buyer who acts now gets:

Negotiating power (less competition)

Better price (sellers are realistic)

Immediate equity building

Then refinances when rates drop

Wins twice

"Historically high" and "historically normal" are very different things.

We've been spoiled by historic lows.

Now we're back to historic norms.

And historic norms still create millionaires.

12/26/2025

Like a handwritten note. A few kind words on paper can mean more than a hundred texts. Take a moment today to make someone feel seen.