Ann LeNoir Rivage Group

11/02/2026

Mortgage rates eased again 📉🌊
Freddie Mac's weekly averages (October 29, 2026):
🏡 30-year fixed: 7.24%, down from 7.32%
🏡 15-year fixed: 6.60%, down from 6.68%
That is the lowest weekly average this month.
What it can mean for you:
✅ Buyers: a lower rate can lower your monthly payment. Ask your lender for an updated quote.
✅ Sellers: a lower rate can help some buyers afford more, so good pricing matters.
✅ Downsizers: compare paying cash with a smaller loan, and ask about homestead portability.
I'll help you look at your numbers with surgical precision, at your pace.
📞 Call or text 321.408.0350
Ann LeNoir | Rivage Group | eXp Realty

11/02/2026

🦃 FREE Mastermind Monday with Thanksgiving Lunch

📍 NEW LOCATION: 2715 N Harbor City Blvd, Suite #4, Melbourne, FL 32935
🗓️ Monday, November 9, 2026

11:30 AM Thanksgiving lunch
12:00 to 1:00 PM Presentation with Jenni Mac
1:00 to 2:00 PM Interactive planning for 2027

The market is changing fast. Come celebrate your wins, set clear goals, and learn how to put the 3-1-90 plan to work right away.

Free event, lunch included. Sponsored by New American Funding.

📍 See you at 2715 N Harbor City Blvd, #4, Melbourne!

RSVP: https://www.facebook.com/events/3158454201026581/

10/31/2026

Thinking about a broker change?

If you have questions about eXp, let's sit down and talk. No pressure, just an honest conversation about what fits your business.

Call or text me at 321.408.0350. Coffee is on me.

Ann LeNoir | Rivage Group | eXp Realty

Ann LeNoir - Rivage Group

10/30/2026

Selling your home should feel clear and calm. 🌊
I start with honest pricing and a strong plan, so your home stands out from day one. From listing to closing, I guide every step with care and with surgical precision.
Thinking about selling on the Space Coast? Let's talk, no pressure.
📞 321.408.0350
Ann LeNoir | Rivage Group | eXp Realty

10/30/2026

Selling the home you've loved for years? 🏡🌊
A long-time home holds many memories. Moving can feel big, but a good plan makes it calm and simple.
Here are 5 steps I share with my clients:
1️⃣ Plan your next home first, so you know where you're going
2️⃣ Ask about homestead portability: in Florida, you may be able to bring some of your property tax savings to your next Florida home
3️⃣ Keep what you love, and let go of the rest slowly
4️⃣ Fix only what buyers notice, not everything
5️⃣ Lean on a calm, local guide from the first talk to the closing table
I'll walk with you through each step, with care and with surgical precision.
📞 Call or text 321.408.0350
Ann LeNoir | Rivage Group | eXp Realty

10/29/2026

🏡 $10,000 Seller Concession at 3280 Nan Pablo Dr, Melbourne! 🌴
The seller is offering a $10,000 concession that can go toward a rate buydown or closing costs. This offer ends at Thanksgiving.

✅ 4 beds, 2 baths, 2,255 sq ft
✅ $470,000
✅ Greystone community
✅ Split floor plan with formal dining and a family room
✅ Large screened porch overlooking a quiet pond
✅ 2-car garage, built in 1993

Minutes from beaches, shopping, and dining. Ask me for details. Terms apply.
📞 Call or text 321.408.0350
Ann LeNoir | Rivage Group | eXp Realty
https://www.annlenoirluxury.com/properties/3280-nan-pablo-drive-melbourne-fl-us-32934-1086948

Ann LeNoir - Rivage Group

10/29/2026

Buying your first home? Start here. 🏡🌊
Your first home is a big step. A good plan makes it easier and less stressful.
Here are 5 steps I share with every first-time buyer:
✅ Get pre-approved, so you know your real budget
✅ Count the full monthly cost: taxes, insurance, and HOA fees, not only the mortgage
✅ Ask your lender about Florida first-time buyer help programs
✅ Always get a home inspection, and check the flood zone
✅ Have an agent on your side from the first showing to the closing table
I will walk you through each step with care, with surgical precision.
📞 Call or text 321.408.0350
Ann LeNoir | Rivage Group | eXp Realty

10/28/2026

Thinking about your next step as an agent? Let's just have coffee. ☕

No pitch. No pressure. Just 30 minutes to talk about your business and see what eXp Realty and the Rivage Group can offer.

When I looked closely at eXp, I was honestly blown away. Here is what stands out:
• eXp is a company built around its agents. Agents can earn stock and become shareholders, so you can own a piece of the company you work for.
• Revenue share: when agents you bring to eXp close deals, you can earn a share of the company's revenue. It is a way to build income beyond your own sales.
• A strong commission split
• Top training and coaching, available any day
• A local office in Melbourne and a team that answers your calls

Every agent's situation is different. Maybe it's a fit, maybe it's not. Either way, you'll leave with clear answers.

If you're an agent on the Space Coast and curious, send me a message or call 321.408.0350. The coffee is on me.

Ann LeNoir | Rivage Group | eXp Realty
2715 N Harbor City Blvd, Melbourne, FL

10/28/2026

Buying a home before the end of the year? 🏡 Mark these two dates!

✅ January 1, 2027: You must own the home and live in it as your main residence to qualify for the 2027 homestead exemption.
✅ March 1, 2027: Deadline to apply with the Brevard County Property Appraiser. Most buyers can apply online at bcpao.us.

Have ready: your recorded deed, Florida driver's license, and Florida vehicle registration. Once approved, it renews each year on its own.

Closing in December instead of January can make a real difference on your taxes. Message me or call 321.408.0350 and let's plan your move. 🌴

10/28/2026

Your listing expired? Think of it as a fresh start. 🌊🏡

When a beachside home or a long-time family home does not sell, it can feel discouraging. But the next plan can be very different. Here is what I do:

1️⃣ An honest price review based on recent sales nearby
2️⃣ New photos and a new story for your home
3️⃣ Small fixes that make buyers feel safe
4️⃣ Marketing to buyers here and abroad (I speak 5 languages)
5️⃣ A clear plan, and you can always reach me directly

As a retired surgeon, I work with care and precision. I'm known for selling homes other agents could not sell.

If your home came off the market, let's talk. No pressure, just an honest review.

📞 Call or text 321.408.0350
Ann LeNoir | Rivage Group | eXp Realty