Sitting on the market with zero offers? Your mortgage might be the answer. If you bought your home when rates were 3% or 4%, that rate doesn't have to die with your sale — a buyer can take it over through something called an assumable mortgage. That means instead of paying today's 7% rate, they step into your loan at the rate you locked in years ago. That's a lower monthly payment, and in this market, that's a real edge. Most conventional loans aren't assumable. But FHA and VA loans often are — and if you have one, you may be sitting on something buyers would line up for right now. Call your mortgage servicer today and ask one simple question: "Is my loan assumable?" That's it. If the answer is yes, your agent needs to know immediately — because it changes how your home gets marketed and who it gets marketed to. And if your agent hasn't asked you this yet, that's worth a conversation. DM me if you wanna talk through your personal situation. Tim Oyler Realtor LPT Realty Lic# SL 3656828 This is market context, not financial advice — always talk to your lender / tax advisor / insurance agent for guidance specific to your situation.

🏡 FIRST-TIME BUYERS + A CRAFTSMAN BUNGALOW = THIS IS WHY I LOVE WHAT I DO My first-time buyers knew what they wanted: the character and charm of a Craftsman bungalow in Old Seminole Heights. Then we found it. 3 bedrooms. 2 bathrooms. A pool. And in this neighborhood, a home like this is a rare find. But finding the house is only half the job. Negotiating the deal is where experience matters. We were able to negotiate: 🔥 $8,000 OFF the purchase price 🔥 $18,600 in seller concessions 🔥 $26,600 in total negotiated value 🔥 Closing in under 25 days That $18,600 in concessions can make a HUGE difference for a first-time buyer by helping reduce the cash needed at closing and structuring a stronger overall deal. Find the house. Negotiate hard. Protect the client. Get it closed. If you’re thinking about buying a home, especially if you’re a first-time buyer, don’t assume the asking price is the deal. The right negotiation can change the entire math. 📲 Tim Oyler | Paramount Home Group 813-590-6610 Thinking about buying? Contact me before you start shopping. Let’s see what we can negotiate for you.

The old Pebble Creek golf course in New Tampa has been rezoned for homes. Hillsborough County commissioners approved the rezoning 5-2 on Tuesday, Sept. 22. The vote moves builder GL Homes a step closer to building a new neighborhood on the course, which has sat closed for about five years. It took a second try. Commissioners turned down GL Homes' first request in 2023, and the case went through the courts before it was sent back to the county for a new decision. Is it final? Not yet. The residents' group Save Pebble Creek says it will appeal the vote. How many homes, and when? Tampa Bay 28's report doesn't say yet. I'm following this one for homeowners in and around Pebble Creek. Tim Oyler, Realtor | Paramount Home Group | LPT Realty 📞 Text or call 813-590-6295

⭐️⭐️⭐️⭐️⭐️ THIS is what it’s all about. Buying or selling a home isn’t just a transaction. There are questions, negotiations, inspections, deadlines and sometimes a few curveballs along the way. My job is to make sure you never feel like you’re navigating any of it alone. Rich recently trusted me with his Tampa condo purchase and his Zillow review said it best. “His knowledge and expertise in the market was invaluable. Choose him. You won’t be disappointed.” Rich, thank you for the trust, the great review and for allowing me to be part of your purchase. It was a pleasure working with you. 🏡 Thinking about buying or selling in Tampa Bay? Don’t just find an agent. Find someone who will be available, communicate, negotiate and stay in your corner from the first conversation through closing. Let’s talk about your next move. 📲 Tim Oyler Paramount Home Group 813-590-6610 #TampaRealEstate #TampaRealtor #ParamountHomeGroup

Twenty-five years as a realtor. 160 sales. A 5.0 rating across 17 Zillow reviews. Experience isn't a headline, it's knowing what a house is worth before the appraisal comes back, and what a contract will do before it's signed. Tampa Bay and statewide Florida. Ready to talk? No pitch. Tim Oyler, Realtor | Paramount Home Group | LPT Realty 📞 Text or call 813-590-6295

Temple Terrace is not waiting around. 🌴 As of Aug. 21, 2026, Temple Terrace shows a $340,000 median sale price, with prices up 2.6% year over year, per Stellar MLS aggregated local market data. Homes are averaging 30 days on market, and supply is sitting at just 2.7 months. Buyer tip: move fast on well-priced homes near USF, parks, and the oak-canopied neighborhoods — the best ones can still draw quick attention. Seller tip: price against the last 90 days, not the 2022 peak, and highlight condition, character, and location from day one. Thinking about making a move in Temple Terrace? Let’s talk before the next wave of buyers does. 🏡 813-590-6295 #TempleTerraceFL #TempleTerraceRealEstate #TampaBayRealEstate #FloridaHomes #RealEstateMarket #HomeBuying #HomeSelling #MarketInsight

⭐️⭐️⭐️⭐️⭐️ ANOTHER 5-STAR ZILLOW REVIEW! Helping Alec and Marilyn purchase their first home was exactly why I love what I do. Buying your first home is exciting, but it can also feel like a lot. Financing, inspections, negotiations, contracts, deadlines, and figuring out which home is actually the right one. My job is to make that process easier. I want my buyers to understand what’s happening, know their options, and feel confident about every decision they make. And when it’s time to negotiate, I’m there to protect their interests and push for the best possible outcome. Thank you, Alec and Marilyn, for trusting me to help guide you through such an important milestone. Getting a 5-star review is awesome, but knowing you had a great experience means even more. 🏡 THINKING ABOUT BUYING YOUR FIRST HOME? You don’t need to have everything figured out before reaching out. You may be wondering: • How much home can I realistically afford? • How much money do I actually need to put down? • Are there first-time buyer programs available? • Can the seller help with closing costs? • Should I buy now or keep renting? • What areas should I be looking in? • How do I know if I’m getting a good deal? That’s where I come in. We’ll build a strategy around your budget, your goals, and your timeline — not pressure you into buying a house. Whether you’re ready today, six months from now, or simply trying to understand your options, let’s have a conversation. 📲 Call or text Tim Oyler 813-590-6295 Your first home starts with a plan. Let’s build yours. #FirstTimeHomeBuyer #TampaBayRealEstate #FloridaRealEstate

Florida has 67 counties and 67 different millage rates. Which is why "how much would Amendment 3 save me" has 67 different answers. So I built the calculator. Pick your county, pick a projection, enter your assessed value. It shows what you pay under current law, what you would pay if the amendment passes, and the gap. Free. No signup, no email. floridahomesquad.lpthomesearch.com/faq Questions about what it means for your house? Call or text 813-590-6295.