Smart Moves Florida Vibe

Discovering Shalimar, Florida: A Hidden Gem Welcome to Shalimar, Florida, my charming hometown nestled in the heart of Okaloosa County. With just over 700 residents, Shalimar offers a unique blend of small-town warmth and coastal beauty. It's a place where neighbors know each other by name and the pace of life is refreshingly relaxed. 1960's  Aerial View of Shalimar ( https://www.shalimarflorida.org/media/1001 ) A Rich History Our town's history dates back to the early 1940s when it was developed as a housing community for military officers stationed at the nearby Eglin Air Force Base. Originally known as "Port Dixie," the town was later renamed Shalimar, which means "abode of love" in Persian. Shalimar was officially incorporated in 1947, and its rich history is still evident in the community today. Community Spirit One of the standout features of Shalimar is our strong sense of community. Throughout the year, we host various events that bring us togeth...

When securing a mortgage, you’ll need to choose between two main types of interest rates: fixed or adjustable. A fixed-rate mortgage locks in your interest rate for the entire loan term. The rate you start with remains unchanged—even decades later. In contrast, an adjustable-rate mortgage (ARM) fluctuates over time. This means your interest rate and monthly payment may increase or decrease based on market conditions. Both options have advantages, and the best choice depends on your financial situation and long-term plans. Consider these pros and cons when deciding: Fixed-Rate Mortgages ✅ Pros: Stable interest rate and predictable monthly payments Easier to budget over time ❌ Cons: Typically higher initial interest rates compared to ARMs Requires refinancing to take advantage of lower market rates Adjustable-Rate Mortgages (ARMs) ✅ Pros: Lower initial interest rates than fixed loans Potential for payments to decrease if interest rates drop ❌ Cons: Rates and monthly payments can increa...