Thom Bachelder | Panhandle Real Estate Inc

Thom Bachelder, REALTOR®
(850) 866-5577

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The 2025 Buyer’s Secret Weapon: How to Secure a Sub-5% Mortgage Today

As we approach the final weeks of 2025, savvy home buyers are finding a way to bypass the stubborn affordability challenges of the resale market by targeting new construction inventory. Major home builders, under immense pressure to close their fiscal books before the year ends, are aggressively offering mortgage rate buydowns that can lower interest rates significantly below the current market average. This financial strategy allows buyers to secure move-in ready homes with monthly payments that are hundreds of dollars less than comparable existing properties, making it the definitive “secret weapon” for real estate acquisition this quarter.

17NOV

What to Expect in the 2026 Housing Market

The U.S. housing market may shift significantly in 2026, with the National Association of Realtors projecting a 14% rise in home sales and a 4% increase in prices. These trends suggest a more active market for sellers and growing urgency for buyers. Understanding the forces behind this forecast and preparing strategically will be key to making smart real estate decisions.

10NOV

What Buyers Get Wrong About Mortgage Rates

Mortgage rates in early November 2025 are hovering near an average of 6.26 percent for a 30-year fixed mortgage in the United States, and that number alone forces buyers to think far more strategically. Yet the real danger is not the rate itself, but three expensive errors many buyers make because they do not fully prepare for the financing stage.

Panama City, Bay County

Panama City is a city in Bay County, Florida. The city is located at 30°9’32”N and 85°39’37”W. According to the United States Census Bureau, the city’s population was 37,681. According to the last census, the median income for a household in the city was 37,890. Please visit the city page on my website and you’ll be able to see all real estate data and detailed Panama City statistics.

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https://real-estate-website.net/myre/images/images_city/FL/ChIJQWPGKlaBk4gR8wFHLNVeWL8/1_700.jpg
Panama City, Bay County
/buildings_panama_city_idChIJQWPGKlaBk4gR8wFHLNVeWL8
Panama City is a city in Bay County, Florida. The city is located at 30°9'32''N and 85°39'37''W. According to the United States Census Bureau, the city's population was 37,681. According to the last census, the median income for a household in the city was 37,890. Please visit the city page on my website and you'll be able to see all real estate data and detailed Panama City statistics.

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Thom Bachelder

Panhandle Real Estate Inc.

2617-A W 23rd St. Panama City, FL 32405

Email: thombachelder@gmail.com

Phone: (850) 866-5577

Thom Bachelder is a seasoned real estate Broker/Owner Panhandle Real Estate Inc. based in Panama City, Florida, with over 24 years of experience in the industry. He is affiliated with Panhandle Real Estate Inc., located at 2617 W 23rd St, Suite A, Panama City, FL 32405. Throughout his career, Thom has handled a diverse range of properties, with transaction values spanning from $19,500 to $3.75 million. His expertise encompasses assisting first-time homebuyers as well as seasoned investors, dealing with properties ranging from mobile homes to luxury estates. Clients have rated him highly, with an average rating of 4.6 out of 5 based on 18 reviews. For professional inquiries, Thom can be contacted via email at thombachelder@gmail.com or by phone at (850) 866-5577.