Exceeding Expectations – One Home at a Time.
- LauraUrbina7
My experience with Alexa has been nothing short of amazing. She was so knowledgeable and helpful every step of the way. I couldn’t recommend her more!!! She’s 10 steps ahead of everyone else and will always advocate for her client. I’m so thankful to have found her and will recommend her to everyone I know!! 
mikei taylor For anyone looking for a realtor in the Palm City area and particularly “The Evergreen Club”. I would highly recommend Alexa Silva.
From day 1 I found Alexa to be extremely knowledgeable regarding current market conditions and establishing a fair price for my home. She made several suggestions (which I took) regarding simple landscaping improvements, decluttering tips and staging. While I initially hesitated on a few they were all spot on and I believe did make a difference that was well worth the investment of time or money.
As market conditions changed, she was quick to respond with a price adjustment I fully accepted. An offer soon followed. She made several suggestions for modifications to the offer to best protect my interested and from that point on things went smoothly through closing.
In watching the market since my sale I have seen prices slide which would have impacted me had I been slower to react to Alexa’s pricing suggestion. This easily saved me tens of thousands of dollars and allowed me to “move on” without this hanging over me.
Again, I would encourage sellers to select Alexa Silva and as important, listen to her advice. I’m glad I did.
Mike Taylor
Julie Helenski My husband was searching for a good realtor and found Alexa in an advertisement for a high end home. We were getting ready to list our house so we set up an appointment to meet her. We instantly loved her enthusiasm, experience, track record and her great suggestions to sell it quickly and get our price. The price she told us our house was worth and we could get was a shocker as it was so much higher than we had thought we would ever get. We listed the home through her and never looked back. We got our asking price very quickly and our house was sold. We thank you Alexa for the great work and thought that went into getting our house ready to show so perfectly and finding us the buyer so quickly. They just love the house and pool and are very happy too.
- ruggsandy46 Alexa is a true professional. Knowledgeable, accessible, totally efficient and always dependable.
She’s kind, compassionate and focused on your needs and wants.
She’s a dedicated hard working agent who puts her clients first.
She will always work as hard as she can to accomplish the most for her client.
I was so fortunate to have her as my agent and I know she’s the one who will deliver for you!
wespruss Both Alexa and Deb provided excellent advice and service. We were extremely impressed with their knowledge of the market, tireless work ethic and overall professionalism and business acumen.
We will definitely recommending them to all our friends and relatives.
Nancy Hyland We called Alexa after seeing her listing in Palm City. Not only did she know the house and the owners, but she lives locally. She was able to provide us with a detailed list of service providers. Since we are not local (yet) she and Deb are godsends to us while we are out of state! They keep helping us even after we have closed on the house!
- ldeanlyb I tried to sell my home myself before enlisting the help of Alexa. Even in a seller’s market, I was unable to get ANY interest at my asking price. That’s when I turned to Alexa for help. She came highly recommended by numerous neighbors, so I gave her a call. Her professional, experienced approach to the whole process put me at ease immediately. The very day the “For Sale” sign went up, I had a full price offer with another full price offer as a back up! That price turned out to be the exact price I tried to get selling on my own, but I couldn’t create the same interest she was able to. Her communication throughout the whole process was timely and relevant. Even as things were moving along smoothly in the process, she would still check in with updates. It may not sound like a big deal, but it’s nice to know I wasn’t forgotten after the contract was signed and a deal in place. All in all, I was thoroughly impressed with Alexa and the excellent service she provided. If you’re looking for someone you can trust with selling your home, stop your search right here and just call Alexa. I promise you, you won’t be disappointed. Thank you for all of your help Alexa.
joannmignano Alexa Silva helped me sell my home and then found me another home to start my new chapter. She is an amazing relator with so much knowledge. She made the whole process stress free!
mac5821 Alexa provided valuable advice when deciding if we wanted to sell our home and purse the purchase of another home. We had a very precise need and I classified the two deals as “if the stars align” and low and behold Alexa aligned the stars for us! Within 3 days we had 3 offers on the sale of our home and a signed offer to sell our home above list price and a signed deal to purchase the home we wanted. Alexa saw the transactions through to the end and made sure everything was on schedule as we did a back to back deal. Her expertise and advice ensured smooth closings on both ends and we could not be happier!!
- uffontani Alexa was the best realtor i have ever worked with. Every detail from prepping, staging and listing was poured over by Alexa and Jen. My house sold right away, which was great, but the ease of the whole process was amazing. If you are buying or selling a house, i would highly recommend Alexa Silva. Thanks for everything, Alexa!
Meet Alexa
Alexa has the uncanny ability to deliver exactly what her clients want even when they are unable to precisely articulate their desires.
Her keen intuition combined with her encyclopedic knowledge of available homes, allows Alexa to find the ideal home for buyers.
Whether buying or selling, Alexa believes the client always comes first. She gives each client personalized attention and focus to expertly match buyers and sellers with the best solution that meets their needs and is within their financial comfort zone.
“I believe in treating my clients like family.” says Alexa. “I give each client the same honesty, respect, and support I would for my own family.”
Alexa is also well known for being quite assertive and an effective negotiator when it comes to meeting customers expectations.
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When you’re planning a move, every monthly cost counts. That’s why it can be frustrating to see home insurance keep creeping up. According to Intercontinental Exchange, it now makes up 9.6% of the average monthly mortgage payment. But the latest numbers show some progress on that front – as the increases start to slow down. Here’s what you need to know and what you can do about it.Premiums Are Rising More Slowly NowA look at the past two years shows how much things have cooled down. In mid-2024, home insurance premiums rose 4.3% in a single quarter. By the second quarter of this year, that was down to 1.8%. That’s the smallest quarterly growth in almost 3 years – and that’s a good thing (see graph below):As Andy Walden, Head of Mortgage and Housing Market Research at Intercontinental Exchange, explains: “Property insurance has been a fast-growing component of the monthly mortgage payment, but this quarter’s data shows the pace of increase is finally slowing.” While your premium will likely still go up over time, it may not climb as quickly as it did a couple of years ago. And that’s, at the very least, a step in the right direction.Shopping Around Can Pay OffHere’s where you have some say in what you pay. Let’s take current homeowners as an example. Intercontinental Exchange found that when homeowners shopped around and switched insurance companies, their premiums went down 6.6% on average. Those who stayed with their current company saw an increase of 10.4% (see graph below):Think about that. That’s a big difference and it goes to show that looking for a new provider can literally pay off. That works out to about $440 a year in savings for the people who switched. And they didn’t have to give up coverage to get it. Their deductibles dipped 1.4%, and their coverage limits actually rose 7.3%.While this example is current homeowners, the same general idea applies for first-time buyers too. Shop around and get multiple quotes before you pick your insurance provider. Then, once you’re settled in, review your policy each year when it comes up for renewal. You’re not locked into the first price you get.The Home You Choose Can Help, TooThe home itself plays a role as well. According to John Burns Research and Consulting (JBREC), newly built homes are 10% to 15% less expensive to insure than older ones nationally.And while a brand-new home won’t necessarily be the right fit for every buyer, if you’re open to one, it could be one more way to keep your monthly insurance costs down.Bottom LineHome insurance is certainly a bigger part of the monthly costs than it used to be, and that can feel like just one more thing to juggle when you’re buying a home or moving. But knowing you have ways to keep it in check can take some of the pressure off. Compare a few options before you buy, revisit your policy each year, and lean on trusted local professionals as you plan for your next move. Quick, what credit score do you need to buy a home? If a number pops into your head, there’s a pretty good chance it’s wrong. And the right answer is getting harder to pin down, because the way credit scores are determined and delivered is changing – for the better.Here’s what you need to know in today’s changing credit climate.#1 Most People Are Guessing Fannie Mae has been tracking consumer perceptions about mortgage requirements since 2015 and found that consumers consistently overestimated the minimum credit score lenders required to qualify for a mortgage. As recently as 2023, the average guess was 652.In reality, the long-standing benchmark for loans backed by Fannie Mae and Freddie Mac is lower, at 620, and today even that isn’t a hard rule for every mortgage they back. Like the Fannie Mae research, a recent survey from Veterans United found consumers continue to overestimate what it takes to qualify for a home loan:The takeaway? Guessing wrong can cost you. A renter who assumes their score is too low and they can’t qualify for a mortgage may never take steps to find out for sure.#2 Credit Rules Are ChangingFor decades, the mortgage industry relied on one set of scores – Classic FICO. Thanks to a push to promote competition, make credit scoring more inclusive, and help more Americans become homeowners, the Federal Housing Finance Agency (FHFA) has approved the use of new credit score models such as FICO 10T and VantageScore 4.0.A different model can mean a different number for the same person. VantageScore says its model can score about 33 million adults that the Classic FICO’s model can’t. So the score you saw on an app last month may not be the one your lender pulls.Remember: the models may be new, but the basics haven’t changed.#3 Do Your Part And Partner With A ProYour credit score is important – no matter how it’s measured. Following the same basic rules will benefit your profile in the old and new score models:Because while credit models may change, the general advice for you to improve your score doesn’t. Financial awareness and consistency mixed with a little willpower can go a long way.Bottom LineDon’t make credit or homebuying decisions from a chart, an app, or a friend’s advice. With the rules shifting and so many misconceptions out there, it’s never too early to talk to a professional loan officer for advice on credit, budgeting, and what it would take to qualify for a mortgage.You may be closer to owning a home than you think.What Experts Forecast for Mortgage Rates and Home Prices in 2027
“Until the underlying economic fundamentals—everything from oil prices to AI–that are keeping rates high change, mortgage rates are unlikely to fall significantly.”
So what does that mean for you? Instead of trying to guess where rates go next, focus on what you can control. Even if rates don’t budge, there are still ways to get the best rate possible. When you talk with your lender, ask about:Your credit score. Even a small bump in your score could help lower your rate.Different loan types. Some programs offer lower rates or smaller down payments than you might expect.Buying down your rate. Paying a little more upfront (called “points”) can lower your rate and your monthly payment.That way, you’ll know exactly where you stand and what a comfortable monthly payment looks like for you. Prices Should Keep Climbing, Just More SlowlyBut what about prices? Here’s where steady really works in your favor. Experts don’t see a home price drop coming. On average, forecasts from Fannie Mae, MBA, and Wells Fargo show prices rising about 1% to 1.5% a year through 2027 (see graph below):In plain terms, in most places prices are still going up, just not as fast. For sellers, that means your home should hold onto its value. For buyers, slower growth gives you a little more breathing room. Just don’t count on prices getting cheaper while you wait.But keep in mind, these are national forecasts. Prices can look very different from one area to the next, so what matters most is what’s happening where you live.The Best Time To Move Is When It Fits Your LifeWhen the market is steady, you don’t have to try to time it perfectly. There’s no big swing to wait out.That puts the focus back on you. Maybe you need more space for a growing family. Maybe you’re ready for less upkeep. A steady market makes it easier to plan for either one.Bottom LineIf you’re asking yourself should you move now or wait? You should know experts see a steady market through 2027, with rates holding near today’s levels and prices rising slowly. So, rather than waiting for a big shift that may not come, connect with a local real estate agent and run the numbers on what a move looks like at today’s rates and prices, so you can decide based on your goals instead of the headlines. The Home Insurance Move That Could Save You $440 a Year
Credit Scoring Is Changing: 3 Things Homebuyers Should Know
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“I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel”. Maya Angelou