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1
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    [agents_bottom_line] => 

Buying your first place is a big step, but it doesn’t have to feel like a step in the dark. Let’s talk about where you’re starting, what’s stressing you out (or holding you back), and what you actually need to know to make it happen.

What’s one question you wish you could ask an expert right now?

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Buying your first home is a big milestone – and the right support is going to make it a whole lot easier.

Because while this process might be brand new to you, it’s not new to your agent. They’ve helped plenty of first-time buyers through it. They know what works, what actually matters, and how you can move through the process with a lot less guesswork.

Here are a few real-world tips based on that experience of helping other first-time buyers.

Tip #1: Get Pre-Approved First

Rocket Mortgage says this is one of the most common mistakes first-time buyers make. And it’s easy to see why. Looking at homes online is fun. But doing it before you know your numbers? That’s risky. You don’t want to fall in love with a house that’s way outside of your financial comfort zone. That's a fast track for getting frustrated.

Instead, find your agent and talk to a lender early – before looking at any houses. With your lender’s help, you’ll be able to get pre-approved for your home loan. That’ll give you a better idea of what you’ll be able to borrow. And it helps you set a realistic budget. Then, your agent will be able to make you a customized list of homes, so you’re only seeing what’ll work for what you can spend. More clarity, less frustration.

Tip #2: Set a Budget and Stick To It

Remember, just because you can borrow up to a certain amount, chances are you won’t want to max that number out. It’s really important to avoid overextending your budget, especially in today’s market. Other housing expenses like home insurance, homeowners association (HOA) fees, and taxes are on the rise, and you need to factor those in. Bankrate offers this advice:

“When you’re building a budget to narrow your search for properties, don’t just think about how much house you can afford, but how much in recurring costs you can handle once you’ve purchased your home.”

So, lean on the pros for advice on expenses you may not be thinking of, so you can work them into your budget. 

Tip #3: Don't Skip the Inspection 

When you find the right home, it’s easy to get caught up in the excitement. But skipping the inspection just to make your offer look stronger is a gamble that could cost you.

Instead, work with your agent to schedule a real inspection. They'll connect you with local pros, make sure it’s booked, and help you understand the results so you can negotiate repairs or ask for money off at closing, if needed. It’s better to invest in this time up front to avoid what could be thousands in surprise repairs later.

Tip #4: Your First Home Doesn’t Have To Be Your Forever Home

For a lot of buyers, this is where unnecessary pressure creeps in. But remember, you don't have to land your dream home right out of the gate. That’s why it’s called a starter home. It's a starting point, not your final destination.

An agent will help you explore all your options, including ones you may not have thought about. For example, a well-kept condo, a townhouse in a great location, or a house with good bones can be a perfect first step into homeownership. The goal? Get in. Start building equity. Then, grow from there.

[created_at] => 2025-07-02T17:53:36Z [description] =>

Buying your first home is a big milestone – and the right support is going to make it a whole lot easier.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250702/20250714-Blog-Header-Image-original.png [id] => 90437 [kcm_ig_caption] => Buying your first place is a big step, but it doesn’t have to feel like a step in the dark. Let’s talk about where you’re starting, what’s stressing you out (or holding you back), and what you actually need to know to make it happen. What’s one question you wish you could ask an expert right now? [kcm_ig_hashtags] => [kcm_ig_quote] => This is the advice first-time homebuyers need to hear. [modified] => [poll] => [public_bottom_line] =>

Buying your first place is a big step, but it doesn’t have to feel like a step in the dark. Talk to an agent about where you’re starting from, what’s stressing you out (or holding you back), and what you actually need to know.

What’s one question you wish you could ask an expert right now?

[published_at] => 2025-07-14T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 90764 [content_type] => must-share [title] => 7/14 Must Share ) ) [shares] => 0 [slug] => the-advice-first-time-homebuyers-need-to-hear [status] => published [tags] => Array ( ) [title] => The Advice First-Time Homebuyers Need To Hear [updated_at] => 2025-07-14T10:30:31Z [url] => /2025/07/14/the-advice-first-time-homebuyers-need-to-hear/ )

The Advice First-Time Homebuyers Need To Hear

Buying your first home is a big milestone – and the right support is going to make it a whole lot easier.

2
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    [agents_bottom_line] => 

If you’ve been on the fence about your plans, now’s the time to get clarity. The market isn’t heading for a crash. It’s on track for steady, slow, long-term growth overall, with some regional ups and downs along the way.

Want to know what that means for our neighborhood? Because national trends set the tone, but what really matters is what’s happening in your zip code. Let’s have a quick conversation so you can see exactly what our local data means for you.

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There are plenty of headlines these days calling for a housing market crash. But the truth is, they’re not telling the full story. Here’s what’s actually happening, and what the experts project for home prices over the next 5 years. And spoiler alert – it’s not a crash.

Yes, in some local markets, prices are flattening or even dipping slightly this year as more homes hit the market. That’s normal with rising inventory. But the bigger picture is what really matters, and it’s far less dramatic than what the doom-and-gloom headlines suggest. Here’s why.

Over 100 leading housing market experts were surveyed in the latest Home Price Expectations Survey (HPES) from Fannie Mae. Their collective forecast shows prices are projected to keep rising over the next 5 years, just at a slower, healthier pace than what we’ve seen more recently. And that kind of steady, sustainable growth should be one factor to help ease your fears about the years ahead (see graph below):

a graph with green barsAnd if you take a look at how the various experts responded within the survey, they fall into three main categories: those that were most optimistic about the forecast, most pessimistic, and the overall average outlook.

Here’s what the breakdown shows:

  • The average projection is about 3.3% price growth per year, through 2029.
  • The optimists see growth closer to 5.0% per year.
  • The pessimists still forecast about 1.3% growth per year.

Do they all agree on the same number? Of course not. But here’s the key takeaway: not one expert group is calling for a major national decline or a crash. Instead, they expect home prices to rise at a steady, more sustainable pace.

That’s much healthier for the market – and for you. Yes, some areas may see prices hold relatively flat or dip a bit in the short term, especially where inventory is on the rise. Others may appreciate faster than the national average because there are still fewer homes for sale than there are buyers trying to purchase them. But overall, more moderate price growth is cooling the rapid spikes we saw during the frenzy of the past few years.

And remember, even the most conservative experts still project prices will rise over the course of the next 5 years. That’s also because foreclosures are low, lending standards are in check, and homeowners have near record equity to boost the stability of the market. Together, those factors help prevent a wave of forced sales, like the kind that could drag prices down. So, if you’re waiting for a significant crash before you buy, you might be waiting quite a long time.

[created_at] => 2025-07-07T18:29:38Z [description] =>

There are plenty of headlines these days calling for a housing market crash. But the truth is, they’re not telling the full story.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250707/20250710-Blog-Header-Image-original.png [id] => 90715 [kcm_ig_caption] => If you’ve been on the fence about your plans, now’s the time to get clarity. The market isn’t heading for a crash. It’s on track for steady, slow, long-term growth overall, with some regional ups and downs along the way. Want to know what that means for our neighborhood? Because national trends set the tone, but what really matters is what’s happening in your zip code. Let’s have a quick conversation so you can see exactly what our local data means for you. [kcm_ig_hashtags] => HomePrices,RealEstateNews,KeepingCurrentMatters [kcm_ig_quote] => The truth about where home prices are heading. [modified] => [poll] => [public_bottom_line] =>

If you’ve been on the fence about your plans, now’s the time to get clarity. The market isn’t heading for a crash – it’s on track for steady, slow, long-term growth overall, with some regional ups and downs along the way.

Want to know what that means for your neighborhood? Because national trends set the tone, but what really matters is what’s happening in your zip code. Connect with a real estate agent to have a quick conversation so you can see exactly what the local data means for you. 

[published_at] => 2025-07-10T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 90724 [content_type] => must-share [title] => 7/10 Must Share ) ) [shares] => 0 [slug] => the-truth-about-where-home-prices-are-heading [status] => published [tags] => Array ( ) [title] => The Truth About Where Home Prices Are Heading [updated_at] => 2025-07-10T10:30:34Z [url] => /2025/07/10/the-truth-about-where-home-prices-are-heading/ )

The Truth About Where Home Prices Are Heading

There are plenty of headlines these days calling for a housing market crash. But the truth is, they’re not telling the full story.

3
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    [agents_bottom_line] => 

In many cases, selling first doesn’t just give you clarity, it gives you options. It helps you buy with more confidence, more financial power, and less pressure.

If you're ready to make a move but you’re not sure where to begin, let’s talk. We can walk through your potential equity, your timing, and your local market conditions so you can decide what’s right for you.

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If you're a homeowner planning to move, you're probably wondering what the process is going to look like and what you should tackle first:

  • Is it better to start by finding your next home?
  • Or should you sell your current house before you go out looking?

Ultimately, what’s right for you depends on a lot of factors. And that’s where an agent’s experience can really help make your next step clear.

They know your local market, the latest trends, and what’s working for other homeowners right now. And they’ll be able to make a recommendation based on their expertise and your needs.

But here’s a little bit of a sneak peek. In many cases today, getting your current home on the market first can put you in a better spot. Here’s why that order tends to work best (and how an agent can help).

The Advantages of Selling First

1. You’ll Unlock Your Home Equity

Selling your current home before you try to buy your next one allows you to access the equity you've built up – and based on home price appreciation over the past few years, that’s no small number. Data from Cotality (formerly CoreLogic) shows the average homeowner is sitting on $302K in equity today.

And once you sell, you can use that equity to pay for the down payment on your next house (and maybe even more). You could even have enough to buy your next house in cash. That’s a big deal, and it could make your next move a whole lot easier on your wallet.

2. You Won't Be Juggling Two Mortgages

Trying to buy before you sell means you could wind up holding two mortgages, even if just for a few months. That can get expensive, fast – especially if there are unexpected repairs or delays. Selling first removes that stress and helps you move forward without the financial strain. As Ramsey Solutions says:

“It’s best to sell your old home before buying a new one to avoid unnecessary risks and possible headaches.”

3. You’ll Be in a Stronger Position When You Make an Offer

Sellers love a clean, simple offer. If you’ve already sold your house, you don’t need to make your offer contingent on that sale – and that can help you stand out. Your agent can position your offer to be as strong as possible, so you have the best shot at getting the home you want.

This can be a big advantage in competitive markets where sellers prefer buyers with fewer strings attached.

One Thing To Keep in Mind

But, like with anything in life, there are tradeoffs. As you weigh your options, consider this potential drawback, too:

1. You May Need a Place To Stay (Temporarily)

Once your house sells, you may need a short-term rental or to stay with family until you can move into your next home. Your agent can help you negotiate things like a post-closing occupancy (renting the home from the buyer for a set period) or flexible closing dates to help smooth out that transition as much as possible.

Here’s a simple visual that can help you think through your options (see below):

But the best way to determine what’s best for you and your specific situation? Talk to a trusted local agent.

[created_at] => 2025-06-30T17:56:59Z [description] =>

If you're a homeowner planning to move, you're probably wondering what the process is going to look like and what you should tackle first.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250630/20250707-Blog-Header-Image-original.png [id] => 90261 [kcm_ig_caption] => In many cases, selling first doesn’t just give you clarity, it gives you options. It helps you buy with more confidence, more financial power, and less pressure. If you're ready to make a move but you’re not sure where to begin, let’s talk. We can walk through your potential equity, your timing, and your local market conditions so you can decide what’s right for you. [kcm_ig_hashtags] => SellYourHouse,Homebuying ,KeepingCurrentMatters [kcm_ig_quote] => Selling and buying at the same time? Here’s what you need to know. [modified] => [poll] => [public_bottom_line] =>

In many cases, selling first doesn’t just give you clarity, it gives you options. It helps you buy with more confidence, more financial power, and less pressure.

If you're ready to make a move but not sure where to begin, talk to a local agent. They'll walk you through your equity, your timing, and your local market so you can decide what’s right for you.

[published_at] => 2025-07-09T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 90263 [content_type] => must-share [title] => 7/9 Must Share ) ) [shares] => 0 [slug] => selling-and-buying-at-the-same-time-heres-what-you-need-to-know [status] => published [tags] => Array ( ) [title] => Selling and Buying at the Same Time? Here’s What You Need To Know [updated_at] => 2025-07-09T10:30:33Z [url] => /2025/07/09/selling-and-buying-at-the-same-time-heres-what-you-need-to-know/ )

Selling and Buying at the Same Time? Here’s What You Need To Know

If you're a homeowner planning to move, you're probably wondering what the process is going to look like and what you should tackle first.

4
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So, if you’ve been holding back because you thought you couldn’t get approved for a mortgage, it’s worth finding out what’s possible today. Let’s talk with a lender about your options and see if you’re ready to take that next step toward homeownership.

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If you’ve been putting off buying a home because you thought getting approved would be too hard, know this: qualifying for a mortgage is starting to get a bit more achievable, but lending standards are still strong.

Lenders are making it slightly easier for well-qualified buyers to access financing, which is opening more doors for people ready to make a move.

So, if strict requirements were holding you back, this shift could be the opportunity you’ve been waiting for, without repeating the risky lending practices that led to the housing crash back in 2008.

Lenders Are Opening More Doors

Banks are offering credit to more people in an effort to boost activity in the housing market, including buyers who have lower credit scores or smaller down payments. And that means more people are getting approved for mortgages.

But it doesn’t mean we’re heading for another crash like 2008. Even with the slight easing lately, lending standards today are still much tighter than they were back then.

According to the Mortgage Bankers Association (MBA), the Mortgage Credit Availability Index (MCAI) has been going up. This index shows how easy or hard it is for people to get a mortgage.

When the index rises, it means banks are easing their lending standards. And in May, credit availability hit its highest point in almost three years (see graph below):

a graph showing a line graphWhy does this matter to you? It means you may now be able to qualify for a mortgage that you wouldn’t have just a few months ago. The National Association of Underwriters (NAMU) explains:

“Mortgage credit availability surged in May, reaching its highest level since August 2022. The uptick signals that lenders are increasingly willing to loosen underwriting standards, providing borrowers with greater access to financing options . . .

But What About 2008?

Now, you might be thinking, “Didn’t looser lending standards play a role in the 2008 housing crash?” That’s a smart question – and an important one. But here’s the difference. While credit availability is rising, lending standards are still under control.

Based on MCAI data going all the way back to 2004, today’s lending levels are still way below what they were leading up to the housing bubble (see graph below):

a graph showing the cost of a mortgageSo, increasing mortgage credit availability right now isn’t a concern. It’s just a good thing for anyone looking to buy a home. As Brett Hively, SVP of Mortgage, Finance, and Strategy at Ameris Bancorp, recently said:

“This uptick is opening the door for many borrowers to move forward with a home purchase or a refinance program.”
[created_at] => 2025-07-02T17:24:44Z [description] =>

If you’ve been putting off buying a home because you thought getting approved would be too hard, know this: qualifying for a mortgage is starting to get a bit more achievable, but lending standards are still strong.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250702/20250707-Blog-Header-Image-original.png [id] => 90433 [kcm_ig_caption] => So, if you’ve been holding back because you thought you couldn’t get approved for a mortgage, it’s worth finding out what’s possible today. Let’s talk with a lender about your options and see if you’re ready to take that next step toward homeownership. [kcm_ig_hashtags] => Homebuying,FirstTimeHomebuyer,KeepingCurrentMatters [kcm_ig_quote] => Here is what you should know about getting a mortgage today. [modified] => [poll] => [public_bottom_line] =>

So, if you’ve been holding back because you thought you couldn’t get approved for a mortgage, it’s worth finding out what’s possible today. Talk with a lender about your options to see if you’re ready to take that next step toward homeownership.

[published_at] => 2025-07-07T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 90435 [content_type] => must-share [title] => 7/7 Must Share ) ) [shares] => 0 [slug] => what-you-should-know-about-getting-a-mortgage-today [status] => published [tags] => Array ( ) [title] => What You Should Know About Getting a Mortgage Today [updated_at] => 2025-07-07T10:30:14Z [url] => /2025/07/07/what-you-should-know-about-getting-a-mortgage-today/ )

What You Should Know About Getting a Mortgage Today

If you’ve been putting off buying a home because you thought getting approved would be too hard, know this: qualifying for a mortgage is starting to get a bit more achievable, but lending standards are still strong.

5
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  • The right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises.
  • With an agent’s help, you’ll know what’s happening in your local market and how to price your house right. You’ll feel confident filling out complex legal documents and at the negotiation table. And that’s priceless.
  • Let’s connect so you have that expertise on your side.​
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a screenshot of a cellphone

[created_at] => 2025-06-25T21:07:36Z [description] =>

The right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250625/20250701-Why-Your-Homes-Asking-Price-Matters-More-Today-KCM-Share-original.jpg [id] => 89885 [kcm_ig_caption] => The right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises. With an agent’s help, you’ll know what’s happening in your local market and how to price your house right. You’ll feel confident filling out complex legal documents and at the negotiation table. And that’s priceless. Let’s connect so you have that expertise on your side.​ [kcm_ig_hashtags] => [kcm_ig_quote] => Here are the top 5 reasons to hire a real estate agent when you sell. [modified] => [poll] => [public_bottom_line] =>
  • The right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises.
  • With an agent’s help, you’ll know what’s happening in your local market and how to price your house right. You’ll feel confident filling out complex legal documents and at the negotiation table. And that’s priceless.
  • Connect with an agent so you have that expertise on your side.​
[published_at] => 2025-07-01T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 89886 [content_type] => must-share [title] => 7/1 Must Share ) ) [shares] => 0 [slug] => top-5-reasons-to-hire-a-real-estate-agent-when-you-sell-infographic [status] => published [tags] => Array ( ) [title] => Top 5 Reasons To Hire a Real Estate Agent When You Sell [updated_at] => 2025-07-01T17:44:53Z [url] => /2025/07/01/top-5-reasons-to-hire-a-real-estate-agent-when-you-sell-infographic/ )

Top 5 Reasons To Hire a Real Estate Agent When You Sell

The right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises. 

6
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    [agents_bottom_line] => 

If you’ve been waiting for a recession to make your move, it’s important to understand what really happens during one – and what likely won’t. Lower mortgage rates could be on the table. But lower home prices? That’s far less likely.

Don’t wait for a market that may never come. If you’re thinking about buying or selling, let’s connect to talk through what today’s economy really means for you – and make a smart plan that works in your favor, regardless of what the headlines say.

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Fear of a recession is back in the headlines. And if you’re thinking about buying or selling sometime soon, that may leave you wondering if you should reconsider the timing of your move.

A recent survey by John Burns Research and Consulting (JBREC) and Keeping Current Matters (KCM) shows 68% of people are delaying plans to buy or sell due to economic uncertainty.

But it may not be for the reason you think. Not everyone is holding off because they’re worried. Some buyers are waiting because they’re hopeful. According to Realtor.com:

In 2025Q1, 3 in 10 (29.8% of) surveyed homebuyers said a recession would make them at least somewhat more likely to purchase a home . . . This reflects a common dynamic where some buyers see a downturn as an opportunity. If the economy enters a recession, the Federal Reserve may respond by lowering interest rates to stimulate activity, potentially putting downward pressure on mortgage rates and easing affordability concerns. As a result, buyers—especially those with limited down payments—might view a recession as a more favorable time to enter the market.”

And there’s some truth to the idea that a recession could bring about lower mortgage rates. History shows mortgage rates usually drop during economic slowdowns. That’s not guaranteed – but it is a common pattern. Looking at data from the last six recessions, you can see mortgage rates fell each time (see graph below): 

a graph of a graph showing the rise of mortgage ratesBut here’s what those buyers may not be considering. Many of those hopeful buyers are assuming something else will happen too – that home prices will drop. And that’s where history tells a different story.

According to data from Cotality (formerly CoreLogic), home prices went up in four of the last six recessions (see graph below)

So, while many people think that if a recession hits, home prices will fall like they did in 2008, that was an exception, not the rule. It was the only time the market saw such a steep drop in prices. And it hasn’t happened since, mainly because there’s still a long-standing inventory deficit, even as the number of homes on the market is rising.

Since prices tend to stay on whatever path they’re already on, know this: prices are still holding steady or rising in most metros, although at a much slower pace. So, a big drop isn’t likely. As Robert Frick, Corporate Economist with Navy Federal Credit Union, explains:

"Hopes that an economic slowdown will depress housing prices are wishful thinking at this point . . ."
[created_at] => 2025-06-12T18:44:31Z [description] =>

Fear of a recession is back in the headlines. And if you’re thinking about buying or selling sometime soon, that may leave you wondering if you should reconsider the timing of your move.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250612/20250625-Blog-Header-Image-original.png [id] => 88766 [kcm_ig_caption] => If you’ve been waiting for a recession to make your move, it’s important to understand what really happens during one – and what likely won’t. Lower mortgage rates could be on the table. But lower home prices? That’s far less likely. Don’t wait for a market that may never come. If you’re thinking about buying or selling, let’s connect to talk through what today’s economy really means for you – and make a smart plan that works in your favor, regardless of what the headlines say. [kcm_ig_hashtags] => HousingMarket,Homebuying,KeepingCurrentMatters [kcm_ig_quote] => Think it’s better to wait for a recession before you move? Think again. [modified] => [poll] => [public_bottom_line] =>

If you’ve been waiting for a recession to make your move, it’s important to understand what really happens during one – and what likely won’t. Lower mortgage rates could be on the table. But lower home prices? That’s far less likely.

Don’t wait for a market that may never come. If you’re thinking about buying or selling, connect with an agent to talk through what today’s economy really means for you – and make a smart plan that works in your favor, regardless of what the headlines say.

[published_at] => 2025-06-25T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 89104 [content_type] => must-share [title] => 6/25 Must Share ) ) [shares] => 0 [slug] => think-its-better-to-wait-for-a-recession-before-you-move-think-again [status] => published [tags] => Array ( ) [title] => Think It’s Better To Wait for a Recession Before You Move? Think Again. [updated_at] => 2025-06-25T19:03:19Z [url] => /2025/06/25/think-its-better-to-wait-for-a-recession-before-you-move-think-again/ )

Think It’s Better To Wait for a Recession Before You Move? Think Again.

Fear of a recession is back in the headlines. And if you’re thinking about buying or selling sometime soon, that may leave you wondering if you should reconsider the timing of your move.

7
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    [agents_bottom_line] => 

Maybe your current house fit your life five years ago. But that “for now” house you bought in 2020? It just can’t deliver on what you need in 2025. And that’s not just okay, it’s normal.

Mortgage rates are part of the equation, for sure. But the bigger question is:

What kind of home do you need to support the life you’re living now?

Let’s talk about what’s changed, and what kind of move would actually take your life forward.

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It’s hard to let go of a 3% mortgage rate. There’s no question about it. It’s the main reason why so many homeowners have delayed their move in recent years. But here’s something to consider.

While your low rate might be ideal, it doesn’t make up being too cramped, having a staircase your knees can’t handle anymore, or being 1,000 miles from your family. And those real-life needs are pushing more sellers off the fence despite today’s rates.

Data shows the share of homeowners with a mortgage rate below 3% is dropping as more people move. And, as a result, the share of homeowners taking on a mortgage rate above 6% is rising, too (see graph below):

The Biggest Reasons People Are Moving Right Now

Why are some homeowners willing to take on a higher rate? A survey from Realtor.com helps shed light on that. It shows 79% of homeowners considering selling today are doing it out of necessity. And that same survey says most of the necessary reasons people are moving are non-financial in nature (see graph below):

a graph with blue textDo any of these reasons resonate for you, too?

  • You Need More Space: Whether it’s a new baby, children needing their own rooms, or having your parents move in so it’s easier to take care of them, outgrowing your space can happen fast.
  • You Need Less Space: The kids are out of the house now and you’re craving a life that’s a little simpler. Downsizing can be a major relief: fewer rooms to clean, less to maintain, and lower utility bills, too.
  • You Want to Be Closer to Family: Whether it’s to help with grandchildren or care for aging parents, sometimes the pull of being near loved ones outweighs the math.
  • A Relationship in Your Life Has Changed: Divorce, separation, or moving in together after a marriage or new partnership – all can create the need for a fresh start and a new place to call home.
  • Your Job Is Taking You Somewhere New: If you finally landed your dream job or your partner’s company is relocating, you may need to move too.

What About Mortgage Rates?

Yes, experts expect mortgage rates to ease, but slowly. The latest projections show only modest declines this year – not the 3% you may be hoping for (see graph below):

a graph of blue barsSo, while waiting for a big drop in rates might sound strategic, it could just mean more time feeling stuck in a space that no longer fits. And for many, that waiting game has already gone on long enough.

According to Realtor.com, nearly 2 in 3 potential sellers have been thinking about moving for over a year. If you’re one of them, maybe it’s time to ask:

How much longer are you willing to press pause on your life?

[created_at] => 2025-06-17T15:17:22Z [description] =>

It’s hard to let go of a 3% mortgage rate. There’s no question about it. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250617/20250618-Blog-Header-Image-original.png [id] => 89067 [kcm_ig_caption] => Maybe your current house fit your life five years ago. But that “for now” house you bought in 2020? It just can’t deliver on what you need in 2025. And that’s not just okay, it’s normal. Mortgage rates are part of the equation, for sure. But the bigger question is: What kind of home do you need to support the life you’re living now? Let’s talk about what’s changed, and what kind of move would actually take your life forward. [kcm_ig_hashtags] => MortgageRates,SellYourHouse,KeepingCurrentMatters [kcm_ig_quote] => Why more sellers are choosing to move, even with today’s rates. [modified] => [poll] => [public_bottom_line] =>

Maybe your current house fit your life five years ago. But that “for now” house you bought in 2020? It just can’t deliver on what you need in 2025. And that’s not just okay, it’s normal.

Mortgage rates are part of the equation, for sure. But the bigger question is:

What kind of home do you need to support the life you’re living now?

Talk to an agent about what’s changed, and what kind of move would actually take your life forward.

[published_at] => 2025-06-18T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 89069 [content_type] => must-share [title] => ) ) [shares] => 0 [slug] => why-more-sellers-are-choosing-to-move-even-with-todays-rates [status] => published [tags] => Array ( ) [title] => Why More Sellers Are Choosing To Move, Even with Today’s Rates [updated_at] => 2025-06-18T10:30:16Z [url] => /2025/06/18/why-more-sellers-are-choosing-to-move-even-with-todays-rates/ )

Why More Sellers Are Choosing To Move, Even with Today’s Rates

It’s hard to let go of a 3% mortgage rate. There’s no question about it. 

8
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    [agents_bottom_line] => 
  • Have you been holding off on downsizing? If so, you should know your equity could make your move possible.
  • Homeowners today have so much equity that a record number are buying their next house in all cash. And that has some big benefits like making their offer more appealing, potentially closing faster, and not having a mortgage payment.
  • To find out how much equity you have in your current house, let's connect. Because it may be enough to fuel your move.
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a graph on a blue background

[created_at] => 2025-06-05T15:52:46Z [description] =>

Have you been holding off on downsizing? If so, you should know your equity could make your move possible.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250605/20250613-You-May-Have-Enough-Equity-To-Downsize-Share-original.png [featured_image_meta] => [id] => 88253 [kcm_ig_caption] => Have you been holding off on downsizing? If so, you should know your equity could make your move possible. Homeowners today have so much equity that a record number are buying their next house in all cash. And that has some big benefits like making their offer more appealing, potentially closing faster, and not having a mortgage payment. To find out how much equity you have in your current house, let's connect. Because it may be enough to fuel your move. [kcm_ig_hashtags] => DownSizing,Equity,KeepingCurrentMatters [kcm_ig_quote] => You may have enough equity to downsize and buy your next house in cash. [modified] => [poll] => [public_bottom_line] =>
  • Have you been holding off on downsizing? If so, you should know your equity could make your move possible.
  • Homeowners today have so much equity that a record number are buying their next house in all cash. And that has some big benefits like making their offer more appealing, potentially closing faster, and not having a mortgage payment.
  • To find out how much equity you have in your current house, connect with a local agent. Because it may be enough to fuel your move.
[published_at] => 2025-06-13T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 88269 [content_type] => must-share [title] => 6/13 Must Share ) ) [shares] => 0 [slug] => you-may-have-enough-equity-to-downsize-and-buy-your-next-house-in-cash-infographic [status] => published [tags] => Array ( ) [title] => You May Have Enough Equity To Downsize and Buy Your Next House in Cash [updated_at] => 2025-06-13T10:30:12Z [url] => /2025/06/13/you-may-have-enough-equity-to-downsize-and-buy-your-next-house-in-cash-infographic/ )

You May Have Enough Equity To Downsize and Buy Your Next House in Cash

Have you been holding off on downsizing? If so, you should know your equity could make your move possible.

9
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    [agents_bottom_line] => 

If your house didn’t sell and your listing has expired, you don’t need to give up. You just need a better plan. And a better partner.

 Over 70% of homeowners who switch agents sell their house after re-listing it. That’s not a coincidence. That’s strategy.

 If you're ready for a proven approach, let’s talk so you know what to do differently – and why doing different things actually works. It’s time to get your move back on track.

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When your house doesn’t sell, it doesn’t just feel frustrating – it feels personal. You put time, money, and emotional energy into this move. You told your friends and family it was happening. And now that your listing has expired without a buyer? You’re left feeling stuck, and maybe even a little embarrassed.

And here's what most agents won’t tell you. Over 70% of homeowners who re-list with a different agent sell their house.

Re-list with the same agent? That stat drops to only 50%, according to the latest data from REDX. That’s like leaving the fate of your sale to a coin toss. And that’s not good enough.

REDX data also shows that only 1 in 3 homeowners with expired listings actually make that change. That means most sellers either give up or repeat the same mistakes, so they get the same disappointing outcome. You deserve better.

Same house. Different strategy. Completely different results. 

Let's break down what might’ve gone wrong – and how a fresh perspective can help you have a winning strategy this time.

1. It Was Priced Too High

Today, homebuyers are feeling the squeeze of higher mortgage rates, so even a slightly overpriced home will get overlooked. And once your listing starts to go stale, it’s hard to regain momentum.

Missing the mark on pricing is a costly mistake – and too many homeowners are doing that very thing right now.

What we need to do now: We need to analyze the latest sales in your area to make sure you’re hitting the right number. This includes taking a hard look at real-time buyer behavior, and any feedback you got from open houses or showings your first time around. Pricing at, or even just below, current market value is a winning play because it drives more buyers to your listing – and that amps up the competition for your home.

2. It Didn’t Show Well

You only get one shot at a first impression. If the listing photos didn’t pop, the house wasn’t staged well, or it wasn't updated, most buyers will skip over it without ever scheduling a showing. And even if buyers did show up, small things like scuffed walls, outdated light fixtures, or a wobbly doorknob can turn them away.

What we need to do now: Let’s walk through your house with fresh eyes to see if there are any areas that may have been sticking points inside and out. Sometimes taking down old drapery, some light staging, or even a fresh coat of paint can completely change how a buyer feels about the home.

3. It Didn’t Get the Right Exposure

If your home didn’t sell, chances are it wasn’t getting the visibility it deserved. Generic flyers and a few online photos aren’t enough anymore. Today’s top agents are using highly targeted digital marketing, social media strategies, custom video content, and more to get your listing in front of the right buyers at the right time.

What we need to do now: We have to do more than just put your house online and hope it sells. Together, we can come up with a real plan to maximize its exposure. With the right pricing, staging, and marketing, your house will sell quickly. Here’s a real-world example (see graph below):

4. You Weren’t Willing To Negotiate

In this market, sellers who aren’t open to negotiating on things like closing costs, inspection repairs, or other concessions are often left behind. And if your last agent didn’t set that expectation with you, that's a real shame.

What we need to do now: Be willing to meet buyers where they are. The goal is to get the deal done – and sometimes that means getting creative to help buyers cross the finish line. Home values have increased by over 55% over the last five years, so you likely have enough wiggle room to offer some perks without sacrificing your bottom line.

[created_at] => 2025-06-09T15:11:12Z [description] =>

When your house doesn’t sell, it doesn’t just feel frustrating – it feels personal. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250609/20250612-Blog-Header-Image-original.png [id] => 88472 [kcm_ig_caption] => If your house didn’t sell and your listing has expired, you don’t need to give up. You just need a better plan. And a better partner. Over 70% of homeowners who switch agents sell their house after re-listing it. That’s not a coincidence. That’s strategy. If you're ready for a proven approach, let’s talk so you know what to do differently – and why doing different things actually works. It’s time to get your move back on track. [kcm_ig_hashtags] => RealEstateAgent,SellYourHouse,KeepingCurrentMatters [kcm_ig_quote] => Your house didn’t sell. Here’s what to do now. [modified] => [poll] => [public_bottom_line] =>

If your house didn’t sell and your listing has expired, you don’t need to give up. You just need a better plan. And maybe, a better partner.

Over 70% of homeowners who switch agents sell their house the second time. That’s not a coincidence. That’s strategy.

If you're ready for a proven approach, talk to a local agent so you know what to do differently – and why doing different things actually works. It’s time to get your move back on track.

[published_at] => 2025-06-12T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 88474 [content_type] => must-share [title] => 6/12 Must Share ) ) [shares] => 0 [slug] => your-house-didnt-sell-heres-what-to-do-now [status] => published [tags] => Array ( [0] => chart [1] => redx ) [title] => Your House Didn’t Sell. Here’s What To Do Now. [updated_at] => 2025-06-12T10:30:11Z [url] => /2025/06/12/your-house-didnt-sell-heres-what-to-do-now/ )

Your House Didn’t Sell. Here’s What To Do Now.

When your house doesn’t sell, it doesn’t just feel frustrating – it feels personal. 

10
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(
    [agents_bottom_line] => 

Staging doesn’t have to be over-the-top or expensive. It just needs to help buyers feel at home. And a great agent will help you figure out the level of staging that makes the most sense for your goals.

Which room in your house do you think would make the biggest impression on a buyer?

Let’s walk through your home together and chat about what will make your house stand out.

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Now that buyers have more options for their move, you need to be a bit more intentional about making sure your house looks its best when you sell. And proper staging can be a great way to do just that.

What Is Home Staging?

It’s not about making your house look super trendy or like it belongs in a magazine. It’s about helping it feel welcoming and move-in ready, so it's easy for buyers to picture themselves living there.

It’s important to understand there’s a range when it comes to staging. It can include everything from simple tweaks to more extensive setups, depending on your needs and budget. But a little bit of time, effort, and money invested in this process can really make a difference when you sell – especially in today’s market.

A study from the National Association of Realtors (NAR) shows staged homes sell faster and for more money than homes that aren't staged at all (see below):

Which Rooms Matter Most?

The best part is, odds are you don’t have to stage your whole house to make an impact. According to NAR, here’s where buyers’ agents say staging can make the biggest difference (see graph below):

a graph of a number of peopleAs you can see, agents who talk to buyers regularly agree, the most important spaces to stage are the rooms where buyers will spend the most time, like the living room, primary bedroom, and kitchen.

While this can give you a good general idea of what may be worth it and what’s probably not, it can’t match a local agent’s expertise.

How an Agent Helps You Decide What You Need To Do

Agents are experts on what buyers are looking for where you live, because they hear that feedback all the time in showings, home tours, walkthroughs, and from other agents. And they'll use those insights to give their opinion on your specific house and what areas may need a little bit of staging help, like if you need to:

  • Declutter and depersonalize by removing photos and personal items
  • Arrange your furniture to improve the room's flow and make it feel bigger
  • Add plants, move art, or re-arrange other accessories

A lot of buyers can use the agent’s know-how as the only staging advice they need. But, if your home needs more of a transformation, or it’s empty and could benefit from rented furniture, a great agent will be able to determine if bringing in a professional stager might be a good idea, too. Just know that level of help comes with a higher price tag. NAR reports:

“The median dollar value spent when using a staging service was $1,500, compared to $500 when the sellers' agent personally staged the home.”

A local agent will help you weigh the costs and benefits based on your budget, your timeline, and the overall condition of your house. They’ll also consider how quickly similar homes are selling nearby and what buyers are expecting at your price point.

[created_at] => 2025-05-28T13:32:20Z [description] =>

Now that buyers have more options for their move, you need to be a bit more intentional about making sure your house looks its best when you sell. 

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Staging doesn’t have to be over-the-top or expensive. It just needs to help buyers feel at home. And a great agent will help you figure out the level of staging that makes the most sense for your goals.

Which room in your house do you think would make the biggest impression on a buyer?

Get an agent to walk through your home with you and go over what will make your house stand out.

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The Rooms That Matter Most When You Sell

Now that buyers have more options for their move, you need to be a bit more intentional about making sure your house looks its best when you sell. 

11
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Those 3% rates everyone remembers from a few years ago were the exception, not the rule.

Now that they’re settling into new territory, it’s a good time to adjust your expectations and learn more about where things are heading as this market shifts.

A local real estate agent and a trusted lender will be your best resources, always keeping you up-to-date and informed, so you can make sense of your options and build a game plan that works for you.

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A lot of buyers are pressing pause on their plans these days, holding out hope that mortgage rates will come down – maybe even back to the historic-low 3% from a few years ago. But here’s the thing: those rates were never meant to last. They were a short-term response to a very specific moment in time. And as the market finds its footing again, it’s time to reset expectations.

Back in 2020 and 2021, 3% mortgage rates gave buyers a serious boost: more affordability, more buying power, and more opportunity. But those rates were a result of emergency economic policies during the height of a global pandemic. Now that the economy is in a different place, we’re seeing mortgage rates in the high 6% to low 7% range.

And while experts currently project a slight easing in the months ahead, most industry leaders agree: rates are not going back to 3%.

Instead, many forecasts suggest mortgage rates will settle in the mid-6% range by the end of the year, pending any major economic shifts. As Kara Ng, Senior Economist at Zillow, says:

“While Zillow expects mortgage rates to end the year near mid-6%, barring any unforeseen shocks, that path might be bumpy.”

What Buyers Should Know

Basically, waiting for 3% rates might mean waiting longer than you’d expect – and missing out along the way. Instead of putting off homebuying indefinitely, make a plan to get there and focus on what you can control: your budget, your credit, and working with a trusted professional who can explain exactly what’s happening in the current market – and how to navigate it.

Your local real estate agent and a trusted lender make all the difference in this process. The experts have insights into down payment assistance programs, alternative financing options, negotiation strategies, and overall – the experience you need on your side to understand creative ways that will make your plans work.

And here’s the biggest thing to keep in mind. Since rates are projected to ease slightly later this year, if that happens, it could bring some more buyers back into the market. Acting now gives you a head start, especially with more homes on the market than we’ve seen in years.

Think about it: if mortgage rates do come down, what do you think everyone else is going to do? That’s right – they’ll jump back in too.

Getting ahead of that rush could put you in a stronger position to find the right home with less competition. Realtor.com sums it up well:

“Staying out of the market in hopes of a rate drop that never comes can lead to missed opportunities . . . Rising home prices, rent increases, and inflation might outpace any future savings on interest. And if rates do fall sharply again, buyers could face an entirely different challenge: surging competition.”
[created_at] => 2025-05-30T17:06:49Z [description] =>

A lot of buyers are pressing pause on their plans these days, holding out hope that mortgage rates will come down – maybe even back to the historic-low 3% from a few years ago. But here’s the thing: those rates were never meant to last. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250530/20250604-Blog-Header-Image-original.png [id] => 87784 [kcm_ig_caption] => Those 3% rates everyone remembers from a few years ago were the exception, not the rule. Now that they’re settling into new territory, it’s a good time to adjust your expectations and learn more about where things are heading as this market shifts. A local real estate agent and a trusted lender will be your best resources, always keeping you up-to-date and informed, so you can make sense of your options and build a game plan that works for you. [kcm_ig_hashtags] => Homebuying,MortgageRates,KeepingCurrentMatters [kcm_ig_quote] => Understanding today’s mortgage rates: Is 3% coming back? [modified] => [poll] => [public_bottom_line] =>

Those 3% rates everyone remembers from a few years ago were the exception, not the rule.

Now that they’re settling into new territory, it’s a good time to adjust your expectations and learn more about where things are heading as this market shifts.

A local real estate agent and a trusted lender will be your best resources, always keeping you up-to-date and informed, so you can make sense of your options and build a game plan that works for you.

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Understanding Today’s Mortgage Rates: Is 3% Coming Back?

A lot of buyers are pressing pause on their plans these days, holding out hope that mortgage rates will come down – maybe even back to the historic-low 3% from a few years ago. But here’s the thing: those rates were never meant to last. 

12
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Real estate isn’t about overnight wins. It’s about long-term gains. So, don’t let the uncertainty in a shifting market make you think it’s a bad time to buy.

If you’re feeling unsure, just remember: Americans have consistently said real estate is the best long-term investment you can make. And if you want more information about why so many people think homeownership is worth it, let’s chat.

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Lately, it feels like every headline about the housing market comes with a side of doubt. Are prices going up or down? Are we headed for a crash? Will rates ever come down? And all the media noise may leave you wondering: does it really make sense to buy a home right now?

But here’s one thing that doesn’t get enough airtime. Real estate has always been about the long game. And when you look at the big picture, not just the latest clickbait headlines, it’s easy to see why so many people say it’s still the best investment you can make – even now.

According to the just-released annual report from Gallup, real estate has been voted the best long-term investment for the 12th year in a row. That’s over a decade of beating out stocks, gold, and bonds as America’s top pick.

a graph of different colored squaresAnd this isn’t new. Real estate usually claims the #1 title. But here’s what’s really interesting. This year’s results came in just after a rocky April for the stock and bond markets. It shows that, even as other investments had wild swings, real estate has held its ground. That’s likely because it gains value in a steadier, more predictable way. As Gallup explains:

"Amid volatility in the stock and bond markets in April, Americans' preference for stocks as the best long-term investment has declined. Gold has gained in appeal, while real estate remains the top choice for the 12th consecutive year."

That says a lot. Even though things may feel a bit uncertain in today’s economy, real estate can still be a powerful investment.

Yes, home values are rising at a more moderate pace right now. And sure, in some markets, prices may be flat in the year ahead or even dip a little – but that’s just the short-term view. Don’t let that cloud the bigger picture.

Real estate has a long track record of gaining value over time. That’s the kind of growth you can count on, especially if you plan to live in that home for a long time.

That’s part of why Americans continue to buy-in to homeownership – even when the headlines may sound a little uncertain. As Sam Williamson, Senior Economist at First American, says:

“A home is more than just a place to live—it’s often a family’s most valuable financial asset and a cornerstone to building long-term wealth.”
[created_at] => 2025-05-27T20:29:42Z [description] =>

Lately, it feels like every headline about the housing market comes with a side of doubt. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250527/20250603-Blog-Header-Image-original.png [id] => 87441 [kcm_ig_caption] => Real estate isn’t about overnight wins. It’s about long-term gains. So, don’t let the uncertainty in a shifting market make you think it’s a bad time to buy. If you’re feeling unsure, just remember: Americans have consistently said real estate is the best long-term investment you can make. And if you want more information about why so many people think homeownership is worth it, let’s chat. [kcm_ig_hashtags] => Homeownership,RealEstate,KeepingCurrentMatters [kcm_ig_quote] => Why buying real estate is still the best long-term investment. [modified] => [poll] => [public_bottom_line] =>

Real estate isn’t about overnight wins. It’s about long-term gains. So, don’t let the uncertainty in a shifting market make you think it’s a bad time to buy. 

If you’re feeling unsure, just remember: Americans have consistently said real estate is the best long-term investment you can make. And if you want more information about why so many people think homeownership is worth it, reach out to a local real estate agent.

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Why Buying Real Estate Is Still the Best Long-Term Investment

Lately, it feels like every headline about the housing market comes with a side of doubt. 

13
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    [agents_bottom_line] => 

Renting may feel more do-able today. But over time, it could cost you more – without helping you build anything for your future.

If homeownership feels out of reach today, you’re not alone. And the first step toward getting out of the rental trap is to set a plan. Let’s connect, set your specific goals, and explore your options – so you’re ready when the time is right.

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You’ve probably asked yourself lately: Is it even worth trying to buy a home right now?

With high home prices and stubborn mortgage rates, renting can seem like the safer choice right now. Or maybe your only choice. That’s a very real feeling. And perhaps buying today isn’t your best move; it’s not for everyone right away. You should only buy a home when you’re ready and able to do it, and if the timing is right for you.

But here’s the thing you need to know about renting.

While it may feel like a safer bet today – and in some areas might even be less expensive month-to-month than owning – it can really cost you more over time.

In fact, a recent Bank of America survey found that 70% of aspiring homeowners worry about what long-term renting means for their future. And they’re not wrong.

Owning a home may seem way out of reach, but if you make a plan now and steadily work toward it, homeownership comes with serious long-term financial benefits.

Homeownership Builds Wealth Over Time

Buying a home isn’t just about having a place to live – it’s a step toward building your future wealth.

Why? Home prices typically rise over time, which means the longer you wait, the more expensive it is to buy. And even in some markets where home prices are softening today, the overall long-term trend speaks for itself (see graph below):

a graph of a price of houses sold in the united statesAnd as home values rise, so does your equity when you’re a homeowner. That’s the difference between what your home is worth and what you owe. So, with every mortgage payment, that equity grows. Over time, that becomes part of your net worth.

Today, the average homeowner’s net worth is nearly 40X greater than that of a renter. That’s a shocking difference, and the dollars in the visual below don’t lie (see graph below):

a green rectangle with white textAnd it’s one of the big reasons why Forbes says:

“While renting might seem like [the] less stressful option . . . owning a home is still a cornerstone of the American dream and a proven strategy for building long-term wealth.”

The Biggest Downside of Renting

So, short-term, why does renting feel like a simpler choice? Lower monthly payments, less responsibility, no strings attached. But long-term? It can sting.

For decades, while home prices have been rising, rent has gone up too. And while rent has held rather steady more recently, history shows the overall trend is up and to the right. That makes saving for a home more complicated than ever (see graph below):

a graph of a number of peopleThat kind of financial uncertainty has a real impact. In the same Bank of America survey, 72% of potential buyers said they worry rising rent could affect their current and long-term finances.

Because rent doesn’t build wealth. It doesn’t come back to you later. It pays your landlord’s mortgage – not yours.

So, whether you rent or own, you’re paying a mortgage. The question is: whose mortgage do you want to pay?

Renting vs. Buying: What Really Matters

Think of it this way. Renting means your money is gone once you pay it. Owning means your payment builds equity – like a savings account you can live in. Sure, buying comes with responsibility. But it also comes with the kind of reward that grows over time. And that’s why you need a solid plan to get there.

As Joel Berner, Senior Economist at Realtor.com, explains:

“Households working on their budget will find it much easier to continue to rent than to go through the expenses of homeownership. However, they need to consider the equity and generational wealth they can build up by owning a home that they can’t by renting it. In the long run, buying a home may be a better investment even if the short-run costs seem prohibitive.”
[created_at] => 2025-05-22T13:07:01Z [description] =>

You’ve probably asked yourself lately: Is it even worth trying to buy a home right now?

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250522/20250529-Blog-Header-Image-original.png [id] => 87134 [kcm_ig_caption] => Renting may feel more do-able today. But over time, it could cost you more – without helping you build anything for your future. If homeownership feels out of reach today, you’re not alone. And the first step toward getting out of the rental trap is to set a plan. Let’s connect, set your specific goals, and explore your options – so you’re ready when the time is right. [kcm_ig_hashtags] => Homebuying,Homeownership,KeepingCurrentMatters [kcm_ig_quote] => Is it better to rent or buy a home? [modified] => [poll] => [public_bottom_line] =>

Renting may feel more do-able today. But over time, it could cost you more – without helping you build anything for your future.

If homeownership feels out of reach today, you’re not alone. And the first step toward getting out of the rental trap is to set a plan. Connect with an agent to set your specific goals and explore your options – so you’re ready when the time is right.

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Is It Better To Rent or Buy a Home?

You’ve probably asked yourself lately: Is it even worth trying to buy a home right now?

14
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VA home loans offer life-changing assistance, and a trusted lender and agent can help make sure you understand the details and are ready to move forward with a solid plan.

Do you know if you’re eligible for a VA home loan? Talk to a trusted lender who can help you see if you’d qualify.

 

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For 80 years, Veterans Affairs (VA) home loans have helped countless Veterans buy a home. But even though a lot of Veterans have access to this powerful program, the majority don't know about one of its core benefits.

According to a report from Veterans United only 3 in 10 Veterans are aware they may be able to buy a home with no down payment with a VA loan (see visual below):

a group of men in circlesThat means 7 out of every 10 Veterans could be missing out on a key homebuying advantage.

That’s why it’s so important for Veterans, and anyone who cares about a Veteran, to be aware of this program. As Veterans United explains, VA home loans:

“. . . come with a list of big-time benefits, including $0 down payment, no mortgage insurance, flexible and forgiving credit guidelines and the industry's lowest average fixed interest rates.”

The Benefits of VA Home Loans

These loans are designed to make buying a home more achievable for those who have served. And, by extension, they also give their families the opportunity to plant roots and build equity in a home of their own. Here are some of the biggest advantages for this type of loan according to the Department of Veterans Affairs:

  • Options for No Down Payment: One of the biggest perks is that many Veterans can buy a home with no down payment at all.
  • Limited Closing Costs: With VA loans, there are limits on the types of closing costs Veterans have to pay. This helps keep more money in your pocket when you’re finalizing your purchase.
  • No Private Mortgage Insurance (PMI): Unlike many other loan types, VA loans don’t require PMI, even with lower down payments. This means lower monthly payments, which can add up to big savings over time.

If you want to learn more, your best resource for all the options and advantages of VA loans is your team of expert real estate professionals, including a local agent and a trusted lender.

[created_at] => 2025-05-15T16:29:14Z [description] =>

For 80 years, Veterans Affairs (VA) home loans have helped countless Veterans buy a home.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250515/20250527-Blog-Image-Header-original.png [id] => 86581 [kcm_ig_caption] => VA home loans offer life-changing assistance, and a trusted lender and agent can help make sure you understand the details and are ready to move forward with a solid plan. Do you know if you’re eligible for a VA home loan? Talk to a trusted lender who can help you see if you’d qualify. [kcm_ig_hashtags] => Homebuying,VAHomeLoan ,KeepingCurrentMatters [kcm_ig_quote] => Many Veterans don’t know about this VA home loan benefit. [modified] => [poll] => [public_bottom_line] =>

VA home loans offer life-changing assistance, and a trusted lender and agent can help make sure you understand the details and are ready to move forward with a solid plan.

Do you know if you’re eligible for a VA home loan? Talk to a trusted lender who can help you see if you’d qualify.

 

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Many Veterans Don’t Know about This VA Home Loan Benefit

For 80 years, Veterans Affairs (VA) home loans have helped countless Veterans buy a home.

15
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    [agents_bottom_line] => 

You don't need to have all these terms memorized, but a little knowledge goes a long way. Brushing up on the basics now means fewer surprises later – and more clarity when you buy a home. 

What unfamiliar real estate term or phrase have you come across that wasn’t on this list?

Let’s connect and talk through it so you have a solid understanding of what it means and where it may show up in the homebuying process. 

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If you're a first-time homebuyer, chances are you'll come across some terms you’re not familiar with. And that can be overwhelming, especially while going through one of the biggest purchases of your life. 

The good news is you don’t need to be an expert on real estate jargon. That’s your agent’s job. But getting to know these basic terms will help you feel a lot more confident throughout the process.

Terms Every Homebuyer Should Know

Once you’re familiar with this terminology, you’ll have a better understanding of important details – from contracts to negotiations. So, when those big conversations happen, you’ll feel informed, in control, and able to make the best decision for your unique situation. As Redfin puts it:

“Having a basic understanding of important real estate concepts before you start the homebuying process will give you peace of mind now and could save you a fortune in the future.”

Here’s a breakdown of a few key real estate terms and definitions you should know, according to the Federal Trade Commission (FTC) and First American.

Appraisal: A report providing the estimated value of the home. Lenders rely on appraisals to determine a home’s value, so they’re not lending more than it’s worth.

Contingencies: Contract conditions that must be met, typically within a certain timeframe or by a specified date. For example, a home inspection is a common contingency. While you can waive these to try and make your offer more competitive, it’s generally not recommended.

Closing Costs: A collection of fees and payments made to the various parties involved in your home purchase. Ask your lender for a list of closing cost items, including attorney’s fees, taxes, title insurance, and more.

Down Payment: This varies by buyer, but is typically 3.5-20% of the purchase price of the home. There are even some 0% down programs available. Ask your lender for more information. Chances are, unless specified by your loan type of lender, you don’t need to put 20% down.

Escalation Clause: This is typically used in highly competitive markets. It’s an optional add on in a real estate contract that says a potential buyer is willing to raise their offer on a home if the seller receives a higher competing offer. The clause also includes how much a buyer is willing to pay over the highest offer.

Mortgage Rate: The interest rate you pay when you borrow money to buy a home. Consult a lender so you know how it can impact your monthly mortgage payment.

Pre-Approval Letter: A letter from a lender that shows what they’re willing to lend you for your home loan. This, plus an understanding of your savings, can help you decide on your target price range. Getting this from a lender should be one of your first steps in the homebuying process, before you even start browsing homes online.

[created_at] => 2025-05-15T16:20:43Z [description] =>

If you're a first-time homebuyer, chances are you'll come across some terms you’re not familiar with.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250515/20250526-Blog-Image-Header-original.png [id] => 86577 [kcm_ig_caption] => You don't need to have all these terms memorized, but a little knowledge goes a long way. Brushing up on the basics now means fewer surprises later – and more clarity when you buy a home. What unfamiliar real estate term or phrase have you come across that wasn’t on this list? Let’s connect and talk through it so you have a solid understanding of what it means and where it may show up in the homebuying process. [kcm_ig_hashtags] => Homebuying ,HomebuyingTerms,KeepingCurrentMatters [kcm_ig_quote] => Here are some common real estate terms explained. [modified] => [poll] => [public_bottom_line] =>

You don't need to have all these terms memorized, but a little knowledge goes a long way. Brushing up on the basics now means fewer surprises later – and more clarity when you buy a home.

What unfamiliar real estate term or phrase have you come across that wasn’t on this list?

Connect with an agent to talk it through so you have a solid understanding of what it means and where it may show up in the homebuying process. 

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Common Real Estate Terms Explained

If you're a first-time homebuyer, chances are you'll come across some terms you’re not familiar with.

16
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    [agents_bottom_line] => 

Don’t let the headlines scare you. Rising inventory isn’t a sign of a crash. It’s a step toward a more normal, stable housing market.

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Maybe you’ve heard the number of homes for sale has reached a recent high. And it might make you question if this is the start of another housing market crash.

But the reality is, the data proves that’s just not the case. In most areas, more inventory isn’t bad news. It’s actually a sign of the market returning to a more stable, healthy place.

What’s Going on With Inventory?

Based on the latest data from Realtor.com, inventory just hit its highest point since 2020, shown with the white line in the graph below.

But what you need to realize is, at the same time, inventory levels still haven’t returned to pre-pandemic norms (shown in gray):

a graph of different colored linesThat means there are more homes for sale now than there have been in quite some time.

And while it’s true inventory is up significantly compared to where it was over the last few years, the number of homes on the market is still well below typical levels. And that’s important context.

Why This Isn’t the Problem A Lot of People Think It Is

Some people hear inventory’s rising and immediately think about 2008. Because back then, inventory spiked just before the market crashed. But today’s situation is very different.

Here’s the key reason why. We don’t have a surplus of homes; we have a deficit to climb out of. What we’re dealing with is a long-term housing shortage – and it’s a big one.

The red bars in the graph below show all the years where housing starts (new builds) didn’t keep up with household formation, going all the way back to 2012. The deeper the bars in the graph, the more the housing deficit grew (see graph below):

a graph of a graph showing the value of a housing deficitAnd one of the reasons this housing shortage kept growing is because new home construction just didn’t keep up with the number of people who need to buy homes. In fact, the U.S. is actually short millions of homes at this point, and it will take years to overcome that gap. Realtor.com says:

“At a 2024 rate of construction relative to household formations and pent-up demand, it would take 7.5 years to close the housing gap.

That means, in most areas, there isn’t a risk of having too many houses on the market right now. It’s quite the opposite – a vast majority of markets actually need more homes.

Which is why, even though inventory is rising, it’s not a problem on a national scale. It’s just helping to fill a gap that’s been growing for years.

[created_at] => 2025-05-19T18:21:02Z [description] =>

Maybe you’ve heard the number of homes for sale has reached a recent high.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250519/20250521-Blog-Header-Image-original.png [id] => 86824 [kcm_ig_caption] => Don’t let the headlines scare you. Rising inventory isn’t a sign of a crash. It’s a step toward a more normal, stable housing market. [kcm_ig_hashtags] => HomeBuying,HousingInventory,KeepingCurrentMatters [kcm_ig_quote] => More homes for sale isn’t a warning sign – it's your buying opportunity. [modified] => [poll] => [public_bottom_line] =>

Don’t let the headlines scare you. Rising inventory isn’t a sign of a crash. It’s a step toward a more normal, stable housing market.

[published_at] => 2025-05-21T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 86829 [content_type] => must-share [title] => 5/21 Must Share ) ) [shares] => 0 [slug] => more-homes-for-sale-isnt-a-warning-sign-its-your-buying-opportunity [status] => published [tags] => Array ( ) [title] => More Homes for Sale Isn’t a Warning Sign – It's Your Buying Opportunity [updated_at] => 2025-05-21T10:30:13Z [url] => /2025/05/21/more-homes-for-sale-isnt-a-warning-sign-its-your-buying-opportunity/ )

More Homes for Sale Isn’t a Warning Sign – It's Your Buying Opportunity

Maybe you’ve heard the number of homes for sale has reached a recent high.

17
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    [agents_bottom_line] => 

Your equity could be the thing that makes homeownership possible for your children when they might not be able to do it on their own. So, here’s the question.

If helping your kids buy a home was more feasible than you thought, would you want to explore that option?

If you want to learn more or find out the best way to make it happen, talk to your lender and a financial advisor you trust.

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If you’re a homeowner, chances are you’ve built up a lot of wealth – just by living in your house and watching its value grow over time. And that equity? It’s something that could help change your child’s life.

Since affordability is still a challenge, a lot of first-time buyers are struggling to buy a home in today’s market. Even if they have a stable job and a solid plan, buying can still feel out of reach. But that’s where your equity could make all the difference.

To give you an idea, the average homeowner with a mortgage has $311,000 worth of equity, according to Cotality (formerly CoreLogic). That’s significant. And some parents are using a portion of their equity to help their children become homeowners, too.

According to Bank of America, 49% of buyers between 18 and 26 got money from their parents to use toward their down payment (see chart below): 

a diagram of a graphEven though the data doesn’t specify how many parents used their equity, the wealth they’ve built through homeownership may have helped make it possible – especially given how much equity the average homeowner has today.

While what’s right for each person’s specific situation will vary on a case-by-case basis, that’s a powerful legacy to pass on. It helps those younger people buy a home, build equity of their own, and begin the next chapter of their life with a little less financial stress and a lot more stability. And for those parents? It’s a way to turn what they've built into something deeply meaningful.

This isn’t just about money. For many homeowners, it’s about being the reason their child gets to say, “we got the house.” And giving them the kind of head start they might’ve only dreamed of at their age. And here’s the part that really sticks. Compare the Market says: 

“Of those who did receive monetary aid from parents and grandparents to buy a house, 45% of Americans said they would not have been able to purchase a house without financial support from parents and grandparents.”
[created_at] => 2025-05-14T17:20:27Z [description] =>

If you’re a homeowner, chances are you’ve built up a lot of wealth – just by living in your house and watching its value grow over time.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250514/20250519-You-Could-Use-Some-of-Your-Equity-To-Give-Your-Children-the-Gift-of-Home-original.png [id] => 86481 [kcm_ig_caption] => Your equity could be the thing that makes homeownership possible for your children when they might not be able to do it on their own. So, here’s the question. If helping your kids buy a home was more feasible than you thought, would you want to explore that option? If you want to learn more or find out the best way to make it happen, talk to your lender and a financial advisor you trust. [kcm_ig_hashtags] => HomeEquity,Homeownership ,KeepingCurrentMatters [kcm_ig_quote] => You could use some of your equity to give your children the gift of home. [modified] => [poll] => [public_bottom_line] =>

Your equity could be the thing that makes homeownership possible for your children when they might not be able to do it on their own. So, here’s the question.

If helping your kids buy a home was more feasible than you thought, would you want to explore that option?

If you want to learn more or find out the best way to make it happen, talk to your lender and a financial advisor you trust.

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You Could Use Some of Your Equity To Give Your Children the Gift of Home

If you’re a homeowner, chances are you’ve built up a lot of wealth – just by living in your house and watching its value grow over time.

18
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    [agents_bottom_line] => 

It doesn’t matter whether you plan to move soon or not, it can still pay off to make strategic updates that’ll help you love your home now and stand out later.

What’s one upgrade you’ve been thinking about – and wondering if it’s worth it? Let’s make sure it’ll pay off when the time comes.

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Whether you’re planning to move soon or not, it’s smart to be strategic about which home projects you take on. Your time, energy, and money matter – and not all upgrades offer the payoff you might expect. As U.S. News Real Estate explains:

". . . not every home renovation project will increase the resale value of a home. Before you invest in a swimming pool or new addition, you should consider whether the project will pay itself off by getting prospective buyers in the door when it’s time to sell."

That’s why, before you pick up a power tool or call a contractor, your first step should be talking to a local agent.

Planning Ahead Pays Off

If you plan to move relatively soon, you’ll want to get a jump start on your to-do list. And even if moving isn’t on your radar yet, life can change quickly – and a new job, a growing family, or shifting priorities can fast-track your plans. You don’t want to be scrambling to fix up your home if your timeline changes.

Smart updates now = fewer headaches later.

By planning ahead, you can spread out the work over time, which is easier on your wallet and your stress levels. Plus, you’ll get to enjoy the upgrades while you’re still living there and have the peace of mind your house is ready to impress when it's time to list.

What Buyers Want (and What’s Actually Worth Doing)

If you’re not sure which projects are worth your time and money – here's some information that can help. A study from the National Association of Realtors (NAR) shows which upgrades typically offer the best return on your investment (ROI) (see graph below):

a graph of a costIf an update you're already thinking about overlaps with those high-ROI upgrades, great. Odds are it'll improve your quality of life now and your home’s value later.

But don’t take this list as law. This is based on national data and is the sort of thing that's going to vary based on what’s most sought-after where you live. That’s where your agent comes in. As an article from Ramsey Solutions says:

The best way to gauge what you can expect in terms of resale value on home improvements—especially if you’re planning to sell soon—is to talk to a real estate agent who is an expert in your market. They’re sure to know the local trends, and they can show you how other homes with the features you want to add are selling. That way, you can make an educated decision before you start ordering lumber and knocking down walls.”

You'll just want to make sure you don't overdo it. Too many high-end updates can make your home the priciest in the neighborhood. That might sound great, but it can actually turn buyers away if it's outside their expected price range for the area. The right agent will help you make smart updates that buyers will love, without going overboard. 

Whether the project is big or small, it pays to be strategic. And an agent is a key piece of that strategy.

[created_at] => 2025-05-06T20:28:42Z [description] =>

Whether you’re planning to move soon or not, it’s smart to be strategic about which home projects you take on.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250506/20250512-Header-Image-original.png [id] => 85753 [kcm_ig_caption] => It doesn’t matter whether you plan to move soon or not, it can still pay off to make strategic updates that’ll help you love your home now and stand out later. What’s one upgrade you’ve been thinking about – and wondering if it’s worth it? Let’s make sure it’ll pay off when the time comes. [kcm_ig_hashtags] => InvestInYourFuture,Renovated,KeepingCurrentMatters [kcm_ig_quote] => Here are some home projects that boost value. [modified] => [poll] => [public_bottom_line] =>

It doesn’t matter whether you plan to move soon or not, it can still pay off to make strategic updates that’ll help you love your home now and stand out later.

What’s one upgrade you’ve been thinking about – and wondering if it’s worth it? Connect with a local agent to make sure it’ll pay off when the time comes.

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Home Projects That Boost Value

Whether you’re planning to move soon or not, it’s smart to be strategic about which home projects you take on.

19
stdClass Object
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    [agents_bottom_line] => 

Homes that sell quickly don’t necessarily have better features – they have better agents and a better strategy.

Are you thinking about selling? Let's talk about how to get your home sold quickly and for top dollar.

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As you think ahead to your own move, you may have noticed some houses sell within days, while others linger. But why is that? As Redfin says:

“. . . today’s housing market has been topsy-turvy since the pandemic. Low inventory (though rising) and high prices have created a strange mix: Some homes are flying off the market, while others sit for weeks.”

That may leave you wondering what you should expect when you sell. Let’s break it down and give you some actionable tips on how to make sure your house is one that sells quickly.

Homes Are Still Selling Faster Than Pre-Pandemic

The first thing you should know is that, in most markets, things have slowed down a little bit. While you may remember how quickly homes sold a few years ago, that’s not what you should expect today.

Now that inventory has grown, according to Realtor.com, homes are taking a bit longer to sell in today’s market (see graph below):

a graph of a bar chartBut before you get hung up on the ten-day difference compared to the past few years, Realtor.com will help put this into perspective:

“In April, the typical home spent 50 days on the market . . . This marks the 13th straight month of homes taking longer to sell on a year-over-year basis. Still, homes are moving more quickly than they did before the pandemic . . .

By this comparison, if your house does take a little more time to sell this year, it’s not really a concern. It’s actually still faster than the norm. Plus, it gives you a bit more time to find your next home, which is welcome relief when you’re trying to move, too.

Just remember, some homes sell in less time than this. Some take even longer. So, what’s the real difference? Why do some homes attract eager buyers almost instantly, while others sit and struggle?

It comes down to having the right agent and strategy. Here are a few tips you need to know. 

1. Price It Right

One of the biggest reasons homes sit on the market is overpricing. Many sellers want to shoot for a higher price, thinking they can lower it later – but that backfires by turning buyers away.

What to do: Work with an agent to make sure your house is priced right. They’ll analyze recent comparable sales (what other homes have sold for recently in your area), so you know you're pricing appropriately for today’s market and what buyers are willing to pay. As Chen Zhao, Economic Research Lead at Redfin, explains:

“My advice to sellers is to price your home fairly for the shifting market; you may need to price lower than your initial instinct to sell quickly and avoid giving concessions."

2. Focus on the First Impression

A messy yard or a house that needs paint? It’ll turn buyers off. Since buyers decide within seconds whether they like a home, a good first impression is key.

What to do: Outside, clean up your front yard, tidy up your landscaping, power wash walkways, and add fresh mulch. Inside, declutter and depersonalize. And consider minor touch-ups like repainting in a neutral tone. Your agent will offer advice on what to tackle.

3. Strong Marketing & High-Quality Listing Photos

If your listing or your photos don’t look professional, you could have trouble drawing in buyers who think you’re trying to cut corners.

What to do: Instead, lean on your agent’s skills, expertise, and resources. They’ll help you make sure you have:

  • High-resolution listing photos showing the home in its best light.
  • Detailed descriptions that highlight differentiating features of your house.
  • Your listing on multiple platforms, including major real estate sites and social media.

4. The Location of the Home

You may have heard the phrase “location, location, location” when it comes to real estate. And there’s definitely some truth to that. Homes in highly sought-after neighborhoods tend to sell faster.

What to do: While you can’t change where your house is located, your agent can highlight the best features of your neighborhood or community in your listing. By showcasing what’s great about your area, they can help draw buyers into what life would look like in your house.

[created_at] => 2025-05-06T21:00:39Z [description] =>

As you think ahead to your own move, you may have noticed some houses sell within days, while others linger.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250506/20250507-Why-Some-Homes-Sell-Faster-Than-Others-original.png [id] => 85757 [kcm_ig_caption] => Homes that sell quickly don’t necessarily have better features – they have better agents and a better strategy. Are you thinking about selling? Let's talk about how to get your home sold quickly and for top dollar. [kcm_ig_hashtags] => SellYourHouse,RealEstateAdvice,KeepingCurrentMatters [kcm_ig_quote] => This is why some homes sell faster than others. [modified] => [poll] => [public_bottom_line] =>

Homes that sell quickly don’t necessarily have better features – they have better agents and a better strategy.

Are you thinking about selling? Connect with an agent to talk about how to get your home sold quickly and for top dollar.

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Why Some Homes Sell Faster Than Others

As you think ahead to your own move, you may have noticed some houses sell within days, while others linger.

20
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    [agents_bottom_line] => 

Saving up for your first home can feel like a lot, especially if you’re still thinking you have to put 20% down. The truth is that’s a common myth. Many loan options require much less, and there are even programs out there designed to boost your savings too.

To learn more about what’s available and if you’d qualify for any down payment assistance programs, talk to a trusted lender.

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Saving up to buy a home can feel a little intimidating, especially right now. And for many first-time buyers, the idea that you have to put 20% down can feel like a major roadblock.

But that’s actually a common misconception. Here’s the truth.

Do You Really Have To Put 20% Down When You Buy a Home?

Unless your specific loan type or lender requires it, odds are you won’t have to put 20% down. There are loan options out there designed to help first-time buyers like you get in the door with a much smaller down payment.

For example, FHA loans offer down payments as low as 3.5%, while VA and USDA loans have no down payment requirements for qualified applicants, like Veterans. So, while putting down more money does have its benefits, it’s not essential. As The Mortgage Reports says:

“. . . many homebuyers are able to secure a home with as little as 3% or even no down payment at all . . . the 20 percent down rule is really a myth.

According to the National Association of Realtors (NAR), the median down payment is a lot lower for first-time homebuyers at just 9% (see chart below):

The takeaway? You may not need to save as much as you originally thought.  

And the best part is, there are also a lot of programs out there designed to give your down payment savings a boost. And chances are, you’re not even aware they’re an option.

Why You Should Look into Down Payment Assistance Programs

Believe it or not, almost 80% of first-time homebuyers qualify for down payment assistance (DPA), but only 13% actually use it (see chart below):

a blue and orange pie chartThat’s a lot of missed opportunity. These programs aren’t small-scale help, either. Some offer thousands of dollars that can go directly toward your down payment. As Rob Chrane, Founder and CEO of Down Payment Resource, shares:

Our data shows the average DPA benefit is roughly $17,000. That can be a nice jump-start for saving for a down payment and other costs of homeownership.”

Imagine how much further your homebuying savings would go if you were able to qualify for $17,000 worth of help. In some cases, you may even be able to stack multiple programs at once, giving what you’ve saved an even bigger lift. These are the type of benefits you don't want to leave on the table. 

[created_at] => 2025-04-30T15:12:42Z [description] =>

Saving up to buy a home can feel a little intimidating, especially right now.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250430/20250505-The-20-Down-Payment-Myth-Debunked-original.png [id] => 85017 [kcm_ig_caption] => Saving up for your first home can feel like a lot, especially if you’re still thinking you have to put 20% down. The truth is that’s a common myth. Many loan options require much less, and there are even programs out there designed to boost your savings too. To learn more about what’s available and if you’d qualify for any down payment assistance programs, talk to a trusted lender. [kcm_ig_hashtags] => FirstTimeHomebuyer,DownPayment,KeepingCurrentMatters [kcm_ig_quote] => The 20% down payment myth, debunked. [modified] => [poll] => [public_bottom_line] =>

Saving up for your first home can feel like a lot, especially if you’re still thinking you have to put 20% down. The truth is that’s a common myth. Many loan options require much less, and there are even programs out there designed to boost your savings too.

To learn more about what’s available and if you’d qualify for any down payment assistance programs, talk to a trusted lender.

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The 20% Down Payment Myth, Debunked

Saving up to buy a home can feel a little intimidating, especially right now.

21
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    [agents_bottom_line] => 

You can’t control what’s happening with the economy or mortgage rates, but you can work with a trusted lender and take steps that’ll help you get the best rate possible.

Let’s connect to talk about what you can do today to put yourself in a strong spot for when you’re ready to buy a home.

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Have you seen where mortgage rates have been lately? One day they go down a little. The next day, they go back up again. It can feel confusing and even frustrating if you’re trying to decide whether now’s a good time to buy a home.

Take a look at the graph below. It uses data from Mortgage News Daily to show that after a relatively stable month of March, mortgage rates have been on a bit of a roller coaster ride in April:

This kind of up-and-down volatility is expected when economic changes are happening.

And that’s one of the reasons why trying to time the market isn’t your best move. You can’t control what happens with mortgage rates. But you’re not powerless. Even with all the economic uncertainty right now, there are things you can do.

You can control your credit score, loan type, and loan term. That way, you can get the best rate possible in today’s market.

Your Credit Score

Your credit score can really affect the mortgage rate you qualify for. Even a small change in your score can make a big difference in your monthly payment. Like Bankrate says:

“Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions: Typically, the higher your score, the lower the interest rates and better terms you’ll qualify for.”

Keeping your credit score up is key when it comes to qualifying for a home loan. If you’re not sure where your score stands or how to improve it, talk to a loan officer you trust.

Your Loan Type

There are also different types of loans out there, and each one comes with unique requirements for qualified buyers. The Consumer Financial Protection Bureau (CFPB) explains:

“There are several broad categories of mortgage loans, such as conventional, FHA, USDA, and VA loans. Lenders decide which products to offer, and loan types have different eligibility requirements. Rates can be significantly different depending on what loan type you choose. Talking to multiple lenders can help you better understand all of the options available to you.

Always work with a mortgage professional to figure out which loan makes the most sense for you and your financial situation.

Your Loan Term

Just like there are different loan types, there are also different loan terms. Freddie Mac puts it like this:

“When choosing the right home loan for you, it’s important to consider the loan term, which is the length of time it will take you to repay your loan before you fully own your home. Your loan term will affect your interest rate, monthly payment, and the total amount of interest you will pay over the life of the loan.

Most lenders typically offer 15, 20, or 30-year conventional loans. Be sure to ask your loan officer what’s best for you.

[created_at] => 2025-04-21T16:52:00Z [description] =>

Have you seen where mortgage rates have been lately?

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250421/20250422-What-You-Can-Do-When-Mortgage-Rates-Are-a-Moving-Target-original.png [id] => 84223 [kcm_ig_caption] => You can’t control what’s happening with the economy or mortgage rates, but you can work with a trusted lender and take steps that’ll help you get the best rate possible. Let’s connect to talk about what you can do today to put yourself in a strong spot for when you’re ready to buy a home. [kcm_ig_hashtags] => ExpertAnswers,RealEstate,KeepingCurrentMatters [kcm_ig_quote] => What you can do when mortgage rates are a moving target. [modified] => [poll] => [public_bottom_line] =>

You can’t control what’s happening with the economy or mortgage rates, but you can take steps that’ll help you get the best rate possible.

Connect with a local real estate agent and a lender to talk about what you can do today to put yourself in a strong spot for when you’re ready to buy a home.

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What You Can Do When Mortgage Rates Are a Moving Target

Have you seen where mortgage rates have been lately?

22
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    [agents_bottom_line] => 
  • Unfortunately, a lot of sellers today are setting their asking price too high. That’s leading to an uptick in price cuts.​
  • Some of the most common reasons this is happening are that they’re not paying attention to current market conditions or they’re trying to leave room for negotiation.
  • The best way to avoid this mistake? Lean on an agent. Let’s connect to make sure your house is priced to pull people in, not push them away. 
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a screenshot of a phone

[created_at] => 2025-04-14T18:12:41Z [description] =>

Unfortunately, a lot of sellers today are setting their asking price too high. That’s leading to an uptick in price cuts.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250414/20250418-If-the-Asking-Price-Isnt-Compelling-Its-Not-Selling-KCM-Share-original.jpg [id] => 83748 [kcm_ig_caption] => Unfortunately, a lot of sellers today are setting their asking price too high. That’s leading to an uptick in price cuts. Some of the most common reasons this is happening are that they’re not paying attention to current market conditions or they’re trying to leave room for negotiation. The best way to avoid this mistake? Lean on an agent. Let’s connect to make sure your house is priced to pull people in, not push them away. [kcm_ig_hashtags] => SellYourHouse,Opportunity,KeepingCurrentMatters [kcm_ig_quote] => If the asking price isn’t compelling, it’s not selling. [modified] => [poll] => [public_bottom_line] =>
  • Unfortunately, a lot of sellers today are setting their asking price too high. That’s leading to an uptick in price cuts.​
  • Some of the most common reasons this is happening are that they’re not paying attention to current market conditions or they’re trying to leave room for negotiation.
  • The best way to avoid this mistake? Connect with an agent to make sure your house is priced to pull people in, not push them away.
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If the Asking Price Isn’t Compelling, It’s Not Selling

Unfortunately, a lot of sellers today are setting their asking price too high. That’s leading to an uptick in price cuts.

23
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    [agents_bottom_line] => 

Getting pre-approved doesn’t mean you have to buy a house today. But it does mean you’ll know what you’re working with when the right one shows up. If you want to get pre-approved, connect with a lender to get that process started.

In the meantime, let’s have a conversation about what’s on your mind and what you’re looking for.

If the perfect house popped up tomorrow, would you be ready to make a move?

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If buying a home is on your radar – even if it’s more of a someday plan than a right now plan – getting pre-approved early is still one of the smartest moves you can make. Why? Because, like anything in life, the right prep work makes things clearer.

The best time to get serious about buying is before you’re ready to buy. Here’s why.

Pre-Approval Helps You Understand Your Numbers

One of the biggest benefits of pre-approval is how it helps you understand your buying power. As part of the pre-approval process, a lender will walk through your finances and tell you what you can borrow based on your income, debts, credit score, and more. That number is power.

Once you have that clarity, you’re no longer guessing. You know what you’re working with. And that gives you the information you need to be able to plan ahead. That way, you’re not falling in love with homes that are outside of your price range – or missing out on ones that aren’t.

Pre-Approval Helps You Move Quickly When You’re Ready

You don’t have to be ready to buy to be ready to buy.

It happens all the time – someone scrolls through listings just for fun, and then BAM – they fall in love with something they see online. But by the time they scramble to connect with an agent and then get pre-approved with a lender, someone else beats them to it, and they lose the home. And you don’t want that to happen to you.

While you can’t control when the right home shows up – you can be ready for it.

Pre-approval isn’t about jumping the gun or rushing your timeline. It’s about making sure you’re ready when it’s go-time. As Experian explains:

“Waiting too long to get a preapproval, however, could leave you at a disadvantage . . . you could find the perfect home, but another buyer could snatch it up while you're waiting for the lender to review your preapproval application. . . getting a preapproval just before you begin actively looking at homes may be your best option.”

Instead of rushing to figure out your numbers, trying to get documentation for your home loan together, and watching the house you love slip away while you wait to hear from your lender, you’re already in the game.

It’s like showing up to the starting line with your shoes tied and your warm-up done – while everyone else is still looking for parking.

But pre-approvals do have an expiration date, so be sure to ask your lender how long it’s good for. Bankrate offers this insight:

“Many mortgage preapprovals are valid for 90 days, though some lenders will only authorize a 30- or 60-day preapproval. If your preapproval expires, getting it renewed can be as simple as your lender rechecking your credit and finances to ensure there have been no major changes to your situation since the first time ‘round.”

The thing is, if you’ve been pre-approved – even if you’re just thinking about casually looking – you have a much better sense of how to navigate your home search within your budget. Plus, you’ll be ready if the perfect home comes along. So why not make it happen?

[created_at] => 2025-04-14T17:47:09Z [description] =>

If buying a home is on your radar – even if it’s more of a someday plan than a right now plan – getting pre-approved early is still one of the smartest moves you can make.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250414/20250417-Pre-Approval-Isn-t-Commitment-It-s-Clarity-original.png [id] => 83741 [kcm_ig_caption] => Getting pre-approved doesn’t mean you have to buy a house today. But it does mean you’ll know what you’re working with when the right one shows up. If you want to get pre-approved, connect with a lender to get that process started. In the meantime, let’s have a conversation about what’s on your mind and what you’re looking for. If the perfect house popped up tomorrow, would you be ready to make a move? [kcm_ig_hashtags] => ExpertAdvice,RealEstateTips,KeepingCurrentMatters [kcm_ig_quote] => Pre-Approval Isn’t Commitment – It’s Clarity [modified] => [poll] => [public_bottom_line] =>

Getting pre-approved doesn’t mean you have to buy a house today. But it does mean you’ll know what you're working with when the right one shows up. If you want to get pre-approved, connect with a lender to get that process started.

In the meantime, have a conversation with an agent about what's on your mind and what you're looking for.

If the perfect house popped up tomorrow, would you be ready to make a move?

[published_at] => 2025-04-17T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 83745 [content_type] => must-share [title] => 4/17 Must Share ) ) [shares] => 0 [slug] => pre-approval-isnt-commitment-its-clarity [status] => published [tags] => Array ( ) [title] => Pre-Approval Isn’t Commitment – It’s Clarity [updated_at] => 2025-04-25T17:19:33Z [url] => /2025/04/17/pre-approval-isnt-commitment-its-clarity/ )

Pre-Approval Isn’t Commitment – It’s Clarity

If buying a home is on your radar – even if it’s more of a someday plan than a right now plan – getting pre-approved early is still one of the smartest moves you can make.

24
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No matter what you’re reading or seeing, the growing number of newly built homes on the market isn’t a red flag nationally – it's a sign builders are starting to make up for years of underbuilding. If you want to talk about what’s happening in our market, let’s connect.

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Headlines are talking about the inventory of new homes and how we’re back at the levels not seen since 2009. And maybe you’re reading that and thinking: oh no, here we go again. That’s because you remember the housing crash of the late 2000s and you’re worried we’re repeating the same mistakes.

But before you let fear take hold, remember: headlines are designed to be clickbait. And a lot of the time, they do more to terrify than clarify. That’s because they don’t always give you all the context you need. So, let’s take a step back and look at what the data really says.

Why This Isn’t Like 2008

While it’s true the number of new homes on the market has reached its highest level since 2009, that’s not a cause for alarm.

Here’s the context that matters most. When the data is turned into a graph, it’s clear the amount seen in 2009 wasn’t the peak of oversupply – not even close. That high point came earlier in 2007-2008. If anything, 2009 was when the number of new homes being built was really starting to slide back down (see graph below):

a graph of a market growthThe overbuilding that contributed to the housing crash happened in the years leading up to 2008. Not in 2009. At that point, construction was already slowing down. So, saying we’ve hit 2009 levels isn't the same thing as saying we’re overbuilding like we did the last time.

Builders Have Actually Underbuilt for Over a Decade

Here’s some more data to prove it to you. After the crash, builders pulled production way back. As a result, they built far fewer homes than the market needed. And that was a consistent problem that lasted for over a decade. That long stretch of underbuilding created a major housing shortage, which is still a challenge today.

The graph below uses Census data to show the number of new homes built each year over the past 52 years. You can clearly see the overbuilding leading up to the crash (in red), the period of underbuilding that followed (in orange), and how we’re only now getting back to a more normal level of construction:

a graph of a number of units

Today’s situation is different. Builders aren’t overbuilding – they’re catching up.

In a recent article, Odeta Kushi, Deputy Chief Economist at First American, highlights this deficit and speaks to why the recent ramp-up in construction is actually good for today’s market, especially buyers:

This means more homes on the market and more options for home buyers, which is good news for a housing market that has been underbuilt for over a decade.”

Of course, like anything else in real estate, the level of supply and demand will vary by market. Some markets may have more newly built homes, some less. But, nationally, there’s nothing to worry about. This isn’t like the last time.

[created_at] => 2025-04-07T16:26:22Z [description] =>

Headlines are talking about the inventory of new homes and how we’re back at the levels not seen since 2009.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250407/20250408-The-Truth-About-Newly-Built-Homes-and-Today-s-Market-original.png [id] => 83174 [kcm_ig_caption] => No matter what you’re reading or seeing, the growing number of newly built homes on the market isn’t a red flag nationally – it's a sign builders are starting to make up for years of underbuilding. If you want to talk about what’s happening in your market, connect with an agent. [kcm_ig_hashtags] => ExpertAnswers,Inventory,KeepingCurrentMatters [kcm_ig_quote] => The truth about newly built homes and today’s market. [modified] => [poll] => [public_bottom_line] =>

No matter what you’re reading or seeing, the growing number of newly built homes on the market isn’t a red flag nationally – it's a sign builders are starting to make up for years of underbuilding. If you want to talk about what’s happening in your market, connect with an agent.

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The Truth About Newly Built Homes and Today’s Market

Headlines are talking about the inventory of new homes and how we’re back at the levels not seen since 2009.

25
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If you're struggling to find a home within your budget, it may be time to expand your search and consider options you haven’t before, like townhomes. Sometimes, compromising a little bit on space is worth it to get your foot in the door.

What matters most to you — space, location, or budget? Let’s figure out where you can flex to make homeownership happen.

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Buying your first home in today’s market can feel tough. Between high home prices and mortgage rates, affordability is still a big challenge. And some buyers are making one simple trade-off that’s getting them in the door faster: square footage.

According to the National Association of Home Builders (NAHB), 35% of buyers are willing to purchase something smaller to make homeownership happen. And one place you can usually find a smaller footprint (and sometimes better affordability) is in townhomes.

Why Townhomes Are Gaining Popularity

Townhomes typically cost less than single-family homes due to their more limited size. And that’s a big plus for today’s budget-conscious buyer. As Realtor.com says:

"In today's market, affordability remains a key priority for homebuyers, making townhomes an attractive option because they are often priced more reasonably than single-family homes. It makes them especially appealing to first-time homebuyers on a tighter budget . . ."

So, if you're trying to buy but feeling stuck because of rising prices, shifting your focus to townhomes could be one way to get into homeownership without maxing out your budget.

Builders Are Responding to the Demand

Builders have seen buyers’ appetite shift to smaller homes, and they’re adjusting to meet the demand. As Joel Berner, Senior Economist at Realtor.com, explains:

"Builders are making a concerted effort to provide smaller, more affordable inventory to the market in a way that the existing-home market cannot. Townhomes are a significant portion of that effort."

And the numbers back it up. According to data from Realtor.com, townhomes now make up a bigger share of new construction listings than they did just a couple of years ago (see graph below):

a graph of a growing graphThat means, if you’re interested in this type of house, you have more choices than you would have had over the last few years. And more options that are potentially more affordable are definitely a good thing. It should make your search for your first home a bit easier.

Is a Townhome Right for You?

If you’ve been focused only on more traditional homes with their own yards, an agent can help you explore whether a townhome could work for you. Who knows, you may find out you love the lifestyle. A lot of people do. As an article from the National Association of Realtors (NAR) explains:

“Townhomes tend to cost less than single-family detached homes and can be appealing to young professionals who may desire medium-density, walkable neighborhoods.”

That’s because they’re lower maintenance, they can provide a sense of community with other residents, and they have their own unique amenities. Not to mention, they give you the chance to start building wealth through homeownership without the upkeep that comes with having your own detached, single-family home. And that can be great for first-time buyers who are a bit worried about the maintenance anyway.

But they also come with some other considerations, like dealing with noise through shared walls. If you’re a renter right now, maybe you’re used to that already. But these are the types of things you’ll want to think about. And that’s where an agent’s expertise comes in. They’ll help you weigh the pros and cons, so you understand how a townhome fits into your lifestyle and long-term goals before making your decision.

[created_at] => 2025-04-01T14:41:57Z [description] =>

Buying your first home in today’s market can feel tough. Between high home prices and mortgage rates, affordability is still a big challenge.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250401/20250402-Townhomes-A-Smart-Solution-for-Today-s-First-Time-Buyers-original.png [id] => 82724 [kcm_ig_caption] => If you're struggling to find a home within your budget, it may be time to expand your search and consider options you haven’t before, like townhomes. Sometimes, compromising a little bit on space is worth it to get your foot in the door. What matters most to you — space, location, or budget? Let’s figure out where you can flex to make homeownership happen. [kcm_ig_hashtags] => Opportunity,FirstHome,KeepingCurrentMatters [kcm_ig_quote] => Townhomes: A smart solution for today’s first-time buyers. [modified] => [poll] => [public_bottom_line] =>

If you're struggling to find a home within your budget, it may be time to expand your search and consider options you haven’t before, like townhomes. Sometimes, compromising a little bit on space is worth it to get your foot in the door.

What matters most to you — space, location, or budget? Connect with an agent to figure out where you can flex to make homeownership happen.

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Townhomes: A Smart Solution for Today’s First-Time Buyers

Buying your first home in today’s market can feel tough. Between high home prices and mortgage rates, affordability is still a big challenge.