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The Florida housing market is shifting faster than the rest of the country—and these local trends are redefining what it means to own a home in the Sunshine State. In this video, Matt Ecoff breaks down the massive shifts hitting Florida right now, from the controversial talk of 50-year mortgages to navigate high prices, to Fannie Mae easing credit requirements. We’re also diving into the massive surge in Florida inventory, the specific insurance and HOA hurdles cooling certain regions, and the aggressive rate-buy-down incentives Florida homebuilders are using to move houses in today's unique market. ⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️ 🤔Thinking of Moving to New Smyrna Beach Florida? Let Us Help! 📲 Call or Text us: 407-617-0190 📩 Email: Matt@CallMattNSB.com 📅Free Real Estate Consultation (Zoom Call): https://calendly.com/living-in-new-sm... ⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️ 00:00 50 Year Mortgages & No Credit Scores: What This Means For Home Prices in Florida in 2026 02:28 Credit score changes coming up in 2026 05:31 Complete Market Forecast (time to buy?) 07:21 All about affordability 12:00 All about the Market for Sellers and buyers 15:17 Why so Expensive? 20:00 50 Year Mortgages 26:35 Conclusion ▶Subscribe 👉 / @livinginnewsmyrnabeach If you want to know everything about living in New Smyrna Beach Florida and the surrounding areas, then subscribe▶ and tap the bell🛎 for notifications so you can be the first to know about the current market in New Smyrna Beach Florida.😁 We get calls and emails every day from people just like you, looking for help making their move to New Smyrna Beach Florida and we absolutely love it.😍 Whether you are moving in 2 days, 20 days, or 200 days, give us a call☎, shoot us a text📝, or send us an email📨 so we can help you make a smooth move to New Smyrna Beach Florida. #LivingInFlorida #NewSmyrnaBeach #FloridaRealEstate #Homeownership2026 #50yearmortgage