If you’ve been following the housing market over the last couple of years, you’ve likely heard about growing affordability challenges. But according to experts, the key factors that determine housing affordability are projected to improve this year. The three measures used to establish home affordability are home prices, mortgage rates, and wages. Here’s a closer look at each one. >>1. Mortgage Rates Mortgage rates shot up to over 7% last year, causing many buyers to put their plans on hold. But things are looking different today as rates are starting to come down. Even a small change in rates can impact your purchasing power. If 7% rates paused your homebuying plans last year, this could be the opportunity you need to get back in the game. >>2. Home Prices The second factor at play is home prices. Home prices have made headlines over the past few years because they skyrocketed during the pandemic. So, while prices will likely be flat this year in some markets, others could see small gains or slight declines. It all depends on your local area. >>3. Wages The final component in the affordability equation is wages. Because wages have been rising, many buyers have renewed opportunity in the market. While affordability hurdles are not completely going away this year, based on current trends and projections, 2023 should bring some sense of relief to homebuyers who have faced growing challenges. If you have questions, DM me to explore your options. You may be closer to owning a home than you think. #expertanswers #purchasingpower #buyingpower #homepriceappreciation #affordability #realestate #homevalues #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CoAtNjNOVaj/?igshid=NGJjMDIxMWI=

Rising interest rates have begun to slow an overheated housing market as monthly mortgage payments have risen dramatically since the beginning of the year. This is leaving some people who want to purchase a home priced out of the market and others wondering if now is the time to buy one. But this rise in borrowing cost shows no signs of letting up soon. Economic uncertainty and the volatility of the financial markets are causing mortgage rates to rise. So, is now the right time to buy a home? Anyone thinking about buying a home today should ask themselves two questions: >>1. Where Do I Think Home Prices Are Heading? There are two places to turn to answer this question. First is the consensus of what experts are saying. If you look at what experts are projecting for home prices in 2023, they’re forecasting home price appreciation around 2%. While it’s true some are calling for depreciation, most are calling for appreciation in home values over the next year. The second spot to turn to for information is the Home Price Expectation Survey from Pulsenomics – a survey of a national panel of over one hundred economists, real estate experts, and investment and market strategists. According to the latest release, the experts surveyed are also calling for home price appreciation for the next several years. >>2. Where Do I Think Interest Rates Are Heading? The instability in the world and higher inflation are driving this volatile market, resulting in higher borrowing rates for those looking to buy homes. Plus, the alternative is to rent, but rents are also increasing. That may mean buying a home makes more sense than renting. #expertanswers #purchasingpower #buyingpower #homepriceappreciation #affordability #realestate #homevalues #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CjnMD_1u8M6/?igshid=NGJjMDIxMWI=

Today’s housing market is different than it was just a few months ago. Taking the time upfront to prep your house appropriately and create a solid plan can help bring in the greatest return on your investment. Here are a few simple tips to make sure you maximize the sale of your house this fall. >>1. Price It Right One of the first things buyers will notice is the price of your house. That’s because the price sends a message to home shoppers. Your goal in pricing your house is to gain the attention of prospective buyers and get them to make an offer. Pricing your house isn’t a guessing game. It takes skill and expertise. Work with a trusted real estate advisor to determine the current market value for your home. >>2. Keep It Clean It may sound simple but keeping your house clean is another key to making sure it gets the attention it deserves. Before each buyer visits, assess your space and determine what needs your attention. Wash the dishes, make the beds, and put away any clutter. Doing these simple things can reduce potential distractions for buyers. >>3. Help Buyers Feel at Home Finally, it’s important for buyers to see all the possible ways they can make your house their next home. An easy first step to create this blank canvas is removing personal items, like pictures, awards, and sentimental belongings. It’s also a good idea to remove any excess furniture to help the rooms feel bigger and make sure there’s ample space for touring buyers to stand and look at the layout. Selling a house requires prep work and expertise. If you’re looking to sell your house this season, DM me today for advice. #Sellyourhouse #moveuphome #dreamhome #realestate #homeownership #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #justsold #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CjbJD-duqKV/?igshid=NGJjMDIxMWI=

Today’s market is at a turning point, making it more essential than ever to work with a real estate professional. Here are five reasons why working with a real estate professional makes sense. >>1. A Professional Follows the Latest Market Trends Working with an expert real estate advisor helps ensure you can stay updated on what’s happening. They know your local area and follow national trends too. >>2. A Professional Helps Maximize Your Pool of Buyers Your agent’s role in bringing in buyers is important. Real estate professionals have a large variety of tools at their disposal, such as social media followers, agency resources, and the Multiple Listing Service (MLS) to ensure your house is viewed by the most buyers. >>3. A Professional Understands the Fine Print Today, more disclosures and regulations are mandatory when selling a house. That means the number of legal documents you’ll need to juggle is growing. A real estate professional will help you review the documents and avoid any costly missteps that could occur if you try to handle them on your own. >>4. A Professional Is a Trained Negotiator If you sell without a professional, you’ll also be solely responsible for all the negotiations. In today’s changing market, buyers are regaining some negotiation power as bidding wars ease. Instead of going toe-to-toe with all parties alone, lean on an expert. >>5. A Professional Knows How To Set the Right Price for Your House If you sell your house on your own, you may be more likely to overshoot your asking price. Real estate professionals know the ins and outs of how to price your house accurately and competitively. Don’t go at it alone. If you plan to sell your house, DM me today. #Sellyourhouse #moveuphome #dreamhome #realestate #homeownership #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #justsold #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CjVSiOBuh8W/?igshid=NGJjMDIxMWI=

“gettin it”…… in Destin, FL! (at Destin, Florida) https://www.instagram.com/p/CiEVpRSuDQX/?igshid=NGJjMDIxMWI=

One of the biggest questions people are asking right now is: what’s happening with home prices? There are headlines about ongoing price appreciation, but at the same time, some sellers are reducing the price of their homes. That can feel confusing and makes it more difficult to get a clear picture. Part of the challenge is that it can be hard to understand what experts are saying when the words they use sound similar. Let’s break down the differences among those terms to help clarify what’s actually happening today. • Appreciation is when home prices increase. • Depreciation is when home prices decrease. • Deceleration is when home prices continue to appreciate, but at a slower or more moderate pace. Experts agree that, nationally, what we’re seeing today is deceleration. That means home prices are appreciating, just not at the record-breaking pace they have over the past year. In 2021, data from CoreLogic tells us home prices appreciated by an average of 15% nationwide. And earlier this year, that appreciation was upward of 20%. This year, experts forecast home prices will appreciate at a decelerated pace of around 10 to 11%, on average. The big takeaway is home prices haven’t fallen or depreciated nationwide, they’re just decelerating or moderating. While some unique and overheated markets may see declines, nationally, home prices are forecast to appreciate. And when we look at the country as a whole, none of the experts project home prices will net depreciate or fall. They’re all projecting ongoing appreciation. If you have questions about what’s happening with home prices today, DM me and let's connect #expertanswers #purchasingpower #buyingpower #homepriceappreciation #affordability #realestate #homevalues #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CiBqdmVOvvD/?igshid=NGJjMDIxMWI=

If you’re wondering what a potential recession could mean for the housing market, here’s what history tells us. In four of the last six recessions, home prices actually appreciated, only falling during the early 90s and the housing crash in 2008. Mortgage rates, though, declined during each of the previous recessions. If you have questions about buying or selling a home in today’s market, DM me today #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/Ch-j5EuO3R9/?igshid=NGJjMDIxMWI=

For the market to crash, you’d have to make a case for an oversupply of inventory headed to the market, and the numbers just don’t support that. So, here’s a deeper look at where inventory is coming from today to help prove why the housing market isn’t headed for a crash. >>Current Homeowners Putting Their Homes Up for Sale Even though housing supply is increasing this year, there’s still a limited number of existing homes available. So, what does this mean? Inventory is still historically low. There simply aren’t enough homes on the market to cause prices to crash. There would need to be a flood of people getting ready to sell their houses in order to tip the scales toward a buyers’ market. And that level of activity simply isn’t there. >>Newly Built Homes Coming onto the Market Home builders are actually slowing down their production right now. To avoid repeating the overbuilding that happened leading up to the housing crisis, builders are reacting to higher mortgage rates and softening buyer demand by slowing down their work. It’s a sign they’re being intentional about not overbuilding homes like they did in the bubble. >>Distressed Properties (Short Sales or Foreclosures) The last place inventory can come from is distressed properties, including short sales and foreclosures. Back in the housing crisis, there was a flood of foreclosures due to lending standards that allowed many people to secure a home loan they couldn’t truly afford. Today, lending standards are much tighter, resulting in more qualified buyers and far fewer foreclosures. That’s why inventory tells us the housing market won’t crash. #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/Ch5IiMauIgz/?igshid=NGJjMDIxMWI=

If you tried to buy a home during the pandemic, you know the limited supply of homes for sale was a considerable challenge. It created intense bidding wars which drove home prices up as buyers competed with one another to be the winning offer. But what was once your greatest challenge may now be your greatest opportunity. Today, data shows buyer demand is moderating in the wake of higher mortgage rates. Here are a few reasons why this shift in the housing market is good news for your homebuying plans. >>The Challenge There were many reasons for the limited number of homes on the market during the pandemic, including a history of underbuilding new homes since the market crash in 2008. >>The Opportunity Moderating demand is slowing the pace of home sales and that’s one of the reasons housing supply is finally able to grow. For you, that means you’ll have more options to choose from, so it shouldn’t be as difficult to find your next home as it has been recently. And having more options may also lead to less intense bidding wars. Data from the Realtors Confidence Index from the National Association of Realtors (NAR) shows this trend has already begun. If you’ve been outbid before or you’ve struggled to find a home that meets your needs, breathe a welcome sigh of relief. The big takeaway here is you have more options and less competition today. Just remember, while easing, data shows multiple-offer scenarios are still happening – they’re just not as intense as they were over the past year. You should still lean on an agent to guide you through the process and help you make your strongest offer up front. DM me and let’s connect to kick off the homebuying process. #firsttimehomebuyer #opportunity #housingmarket #househunting #makememove #homegoals #houseshopping #housegoals #investmentproperty #emptynest #downsizing #locationlocationlocation #newlisting #homeforsale #renovated #starterhome #dreamhome #curbappeal #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/ChVeQveO4Qo/?igshid=NGJjMDIxMWI=

While home prices are still appreciating in most markets and experts say that will continue, they’re climbing at a slower pace because rising mortgage rates are creating less buyer demand. Because of this, there are more homes on the market. And in a shift like this one, the way you price your home matters more than ever. During the pandemic, sellers could price their home higher because demand was so high, and supply was so low. This year, things are shifting, and that means your approach to pricing your house needs to shift too. Because we’re seeing less buyer demand, sellers have to recognize this is a different market than it was during the pandemic. Here’s what’s at stake if you don’t. The price you set for your house sends a message to potential buyers. If you price it too high, you run the risk of deterring buyers. When that happens, you may have to lower the price to try to reignite interest in your house when it sits on the market for a while. But be aware that a price drop can be seen as a red flag for some buyers who will wonder what that means about the home or if in fact it’s still overpriced. Rest assured, it’s still a sellers’ market, and you’ll still get great benefits if you plan accordingly and work with an agent to set your price at current market value. As Lawrence Yun, Chief Economist at NAR, says, “Homes priced right are selling very quickly, but homes priced too high are deterring prospective buyers.” DM me to make sure you price your house based on current market conditions so you can maximize your sales potential and minimize your hassle in a shifting market. #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/ChShGSJO_Jr/?igshid=NGJjMDIxMWI=

As there’s more and more talk about the real estate market cooling off from the peak frenzy it saw during the pandemic, you may be questioning what that means for your plans to sell your house. If you’re thinking of making a move, you should know the market is still anything but normal. Think of it like this: • A buyers’ market is when there are more homes for sale than buyers looking to buy. When that happens, buyers have the negotiation power because sellers are more willing to compromise so they can sell their house. • In a sellers’ market, it’s just the opposite. There are too few homes available for the number of buyers in the market and that gives the seller all the leverage. In that situation, buyers will do what they can to compete for the limited number of homes for sale. • A neutral market is when supply is balanced and there are enough homes to meet buyer demand at the current sales pace. And for the past two years, we’ve been in a red-hot sellers’ market because inventory has been near record lows. Ed Pinto, Director of the American Enterprise Institute’s Housing Center, gives a perfect summary of what’s happening in today’s market, saying: “Overall, the best summary is that we'll move from a gangbuster sellers' market to a modest sellers' market.” Conditions are still in your favor even though the market is cooling. If you work with an agent to price your house at market value, you’ll find success when you sell your house today. DM so you can start making your moves. #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/ChCfBdjueoE/?igshid=NGJjMDIxMWI=

With all the headlines and buzz in the media, some consumers believe the market is in a housing bubble. As the housing market shifts, concerns creep in that this could be a repeat of what took place in 2008. But there’s concrete data to show why this is nothing like the last time. >>There’s a Shortage of Homes on the Market Today, Not a Surplus For historical context, there were too many homes for sale during the housing crisis (many of which were short sales and foreclosures), and that caused prices to tumble. Today, supply is growing, but there’s still a shortage of inventory available. >>Mortgage Standards Were Much More Relaxed During the Crash Running up to 2006, banks were creating artificial demand by lowering lending standards and making it easy for just about anyone to qualify for a home loan or refinance their current home. Today, things are different, and purchasers face much higher standards from mortgage companies. Mark Fleming at First American says, “Credit standards tightened in recent months due to increasing economic uncertainty and monetary policy tightening.” >>The Foreclosure Volume’s Nothing Like It Was During the Crash The most obvious difference is the number of homeowners that were facing foreclosure after the housing bubble burst. Foreclosure activity has been on the way down since the crash because buyers today are more qualified and less likely to default on their loans. In addition, homeowners today are equity rich, not tapped out. If you’re worried we’re making the same mistakes that led to the housing crash, the above should help alleviate your concerns. Concrete data and expert insights clearly show why this is nothing like the last time. #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Chip Jervis Group, Destin Legacy Real Estate) https://www.instagram.com/p/Cg9fS3GuqLx/?igshid=NGJjMDIxMWI=

Buying a home is a major life decision. While mortgage rates are higher than they were at the start of the year and home prices are rising, you shouldn’t put your plans on hold based solely on market factors. Instead, it’s necessary to consider why you want to move and how important those reasons are to you. Here are two of the biggest personal motivators driving people to buy homes today. >>A Need for More Space Moving.com looked at migration patterns to determine why people moved to specific areas. One trend that emerged was the need for additional space, both indoors and outdoors. Outgrowing your home isn’t new. If you’re craving a large yard, more entertaining room, or just need more storage areas or bedrooms overall, having the physical space you need for your desired lifestyle may be reason enough to make a change. >>A Desire To Be Closer to Loved Ones Moving and storage company United Van Lines surveys customers each year to get a better sense of why people move. The latest survey finds nearly 32% of people moved to be closer to loved ones. If you can move to another location because of remote work, retirement, or for any other reason, you could leverage that flexibility to be closer to the most important people in your life. Being nearby for caregiving and being able to attend get-togethers and life milestones could be exactly you’re looking for. There are many reasons why people decide to move. No matter what the reason may be, if your needs have changed, DM me to discuss your options in today’s housing market. #firsttimehomebuyer #opportunity #homeownership #housingmarket #househunting #makememove #homegoals #houseshopping #housegoals #investmentproperty #emptynest #downsizing #locationlocationlocation #newlisting #homeforsale #renovated #starterhome #dreamhome #curbappeal #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/Cg7q3VbOlGT/?igshid=NGJjMDIxMWI=

The housing market is moving away from the frenzy of the past year and it’s opening doors for you if you’re thinking about buying a home. Housing inventory is increasing, which means more options for your search. Plus, the intensity of bidding wars may ease as buyer demand moderates, leading to fewer homes selling above asking price. If you’re ready to buy a home, now may be the moment you’ve been waiting for. DM me so you can start the homebuying process today. #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Chip Jervis Group, Destin Legacy Real Estate) https://www.instagram.com/p/Cg1m8wiO960/?igshid=NGJjMDIxMWI=

While the Federal Reserve is working hard to bring down inflation, the latest data shows the inflation rate is still going up. You no doubt are feeling the pinch on your wallet at the gas pump or the grocery store, but that news may also leave you wondering: should I still buy a home right now? Greg McBride, Chief Financial Analyst at Bankrate, explains how inflation is affecting the housing market. “Inflation will have a strong influence on where mortgage rates go in the months ahead. . . . Whenever inflation finally starts to ease, so will mortgage rates — but even then, home prices are still subject to demand and very tight supply.” No one knows how long it’ll take to bring down inflation, and that means the future trajectory of mortgage rates is also unclear. While that uncertainty isn’t comfortable and there’s no denying it’s more expensive to buy and finance a home this year than it was last year, it doesn’t mean you should pause your search. Here’s why. In an inflationary economy, prices rise across the board. Historically, homeownership is a great hedge against those rising costs because you can lock in what’s likely your largest monthly payment (your mortgage) for the duration of your loan. In a nutshell, your home search doesn’t have to go on hold because of rising inflation or higher mortgage rates. There’s more to consider when it comes to why you want to buy a home. In addition to shielding yourself from the impact of inflation and growing your wealth through ongoing price appreciation, there are other reasons to buy a home right now like addressing your changing needs and so much more. #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CgctEQeuQWA/?igshid=NGJjMDIxMWI=

If you’re planning to buy a home this year, you might have heard that pre-approval is a necessary step to take before starting out on your journey. To better understand why, it’s important to know what pre-approval is. Freddie Mac defines the process like this: “A pre-approval is an indication from your lender that they are willing to lend you a certain amount of money to buy your future home. The lender you work with will provide you with a pre-approval letter, which is an official document that states the maximum amount they are willing to lend you, . . .” Put simply, pre-approval from a lender helps you understand your true price range and how much money you can borrow for your loan. That can make it easier when you set out to search for homes. Another added benefit is that pre-approval lets the seller know you’re qualified to buy their house. Paul Centopani, Editor for the Mortgage Reports, explains: “. . . most sellers won’t even consider an offer unless the buyer is pre-approved at the right price point. Sellers and their agents want to know you’re ready and able to finance your offer amount. So you’ll want to have your preapproval teed up as soon as you’re serious about bidding on a home you like.” Every advantage you can gain as a buyer is crucial in a market that’s constantly changing. You’re going to need guidance to navigate these waters, so it’s important to have a team of professionals, such as a real estate advisor and trusted lender, on your side. They’ll help make sure you’re ready to put your best foot forward. DM me so you have the tools you need to succeed as a homebuyer in today’s shifting market. #firsttimehomebuyer #opportunity #housingmarket #househunting #makememove #homegoals #houseshopping #housegoals #investmentproperty #emptynest #downsizing #locationlocationlocation #newlisting #homeforsale #renovated #starterhome #dreamhome #curbappeal #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CgcpksjufDP/?igshid=NGJjMDIxMWI=

If you put a pause on your home search because you weren’t sure where you’d go once you sold your house, it might be a good time to get back into the market. >>An Existing Home Can Give You That Lived-in Charm Many buyers want to purchase a home with history, and the character of older houses is hard to reproduce. Existing homes can often be part of an established neighborhood featuring mature landscaping that can give you additional privacy and boost your curb appeal. Plus, you can move in based on the timeline you agree to with the sellers, rather than building a new home and waiting for construction to finish. Just remember, while more sellers are listing their homes, supply is still low overall, meaning you’ll still need to be prepared for a fast-moving market. >>Purchasing a Newly Built or Under Construction Home Means Brand New Everything When building a new home, you can create your perfect living space and customize it to your lifestyle. But keep in mind, purchasing a new home could mean waiting a considerable amount of time before you can move. Robert Dietz, Chief Economist and Senior Vice President for Economics and Housing Policy at the National Association of Home Builders (NAHB), explains: “New single-family home inventory remained elevated at a 7.7 months’ supply. . . . However, only 8.3% of new home inventory is completed and ready to occupy. The remaining have not started construction (25.9%) or are currently under construction.” With the supply of homes for sale rising, you have options for your next home no matter what your preferences are. If you have questions or want help deciding what’s best for you, DM me today. #realestate #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #realestateagency #realestateadvice #realestateblog #realestatemarket #realestateexperts #realestateagents #instarealestate #instarealtor #realestatetipsoftheday #realestatetipsandadvice #keepingcurrentmatters (at Destin, Florida) https://www.instagram.com/p/CgZawBzOF9Y/?igshid=NGJjMDIxMWI=