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The Fed cut interest rates by 0.25%—what does that mean for your buying power in Orlando/Central Florida near Disney? In this episode, we break down how lower rates translate into monthly payment savings, when refinancing makes sense, and a standout opportunity in Celebration, FL (the town Disney built).

Rate cut, mortgage impact, and your budget:

The Federal Reserve reduced rates by 0.25%. Lenders responded favorably; 30-year mortgage rates are currently in the “low sixes” (exact rate depends on program, credit, and other factors).
Example from our preferred lender (Mike Riley): On a $500,000 home with 20% down (≈$400,000 loan), today’s typical payment is about $66/month lower than last week and roughly $266/month lower than a year ago.
If your current mortgage rate is 7.25% or higher, it’s worth reviewing refinance options—dropping around a full percentage point can mean hundreds in monthly savings, depending on loan size.
As discussed on the show, reporting noted buyers are seeing rates over a quarter point lower than a month ago and over a half point lower than early summer—boosting purchasing power. One cited analysis estimated would-be buyers added about $22,000 to budgets over the summer as rates eased.
Featured listing: Celebration, Florida (Near Disney)

Address: 1221 Stone Cutter Dr, Unit 213 (Artisan Park, Celebration)
Price: $299,000
Specs: 2 bed, 2 bath, 1,345 sq ft, single-floor living in an elevator building
Extras: Dedicated storage unit + private garage
Why it’s compelling: Best-priced 2-bed in Artisan Park right now; motivated seller; light refresh could unlock significant upside. Same floor plan sold this year around $400,000 with updates. Strong rental demand in Artisan Park supports investor interest.
Disney hotel perks (for house-hunters visiting):

On-site guests get 30-minute early entry to all four parks; Deluxe/Deluxe Villas also get extended evening hours.
Added-value notes discussed: 2025 free water park entry, 2026 dining deals (kids 3–9 with adult plans), earlier Lightning Lane booking windows (up to 7 days vs 3), complimentary Disney transportation, and park/hotel parking benefits—all of which can offset trip costs while you tour neighborhoods.
Buy now or wait?

Smaller down payments keep more cash on hand (repairs, emergency fund) while equity grows over time.
Larger down payments can reduce monthly payments, may secure a lower rate, and can eliminate mortgage insurance.
Your best move depends on your cash position, renovation plans, and timeline; we can connect you with trusted local lenders to model scenarios.
Who we are:
Elijah Lewis (“The Prince of Real Estate”) and Sue Coptiff (“Aurora”) with Florida in Motion Real Estate—your Near Disney team serving the 25-mile radius around Cinderella Castle.

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