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1163 search results for: homeownerships impact on net worth

1
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More choices, the potential to negotiate on the price, and maybe even better mortgage rates make these options a bright spot in today’s housing market.

If you haven’t considered a newly built home yet, what’s holding you back?

Let’s talk about it and see if it’s worth checking out new builds in and around our area.

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Are you looking for better home prices, or even a lower mortgage rate? You might find both in one place: a newly built home. While many buyers are overlooking new construction, it could be your best opportunity in today’s market. Here’s why.

There are more brand-new homes available right now than there were even just a few months ago. According to the most recent data from the Census and the National Association of Realtors (NAR), roughly 1 in 5 homes for sale right now is new construction. So, if you’re not looking at newly built homes, you’re missing out on a big portion of what’s available.

And with more new homes on the market, builders are motivated to sell their current inventory. As a result, many are taking steps to draw in buyers.

Builders Are Cutting Prices

According to Buddy Hughes, Chairman of the National Association of Home Builders (NAHB):

“Almost 40% of home builders reduced sales prices in the last month . . .”

That means builders are being realistic about today’s market and adjusting to what buyers can afford. It’s their way to keep their inventory moving.

So, builders may be more willing to negotiate price than you’d expect – and that means your dollar may go further if you buy a newly built home. Lean on your agent to see what’s available and what incentives builders are offering in and around your area.

Builders Are Offering Lower Mortgage Rates

Here’s something most people don’t know. Right now, buyers of brand-new homes often get better mortgage rates than buyers of existing homes.

That’s because many builders are also offering rate buydowns to make their homes more attractive and keep sales moving. Basically, they’re willing to chip in to lower your rate, so you’re more likely to buy one of their homes.

Data from Realtor.com shows, in 2023 and 2024, buyers of newly built homes got a mortgage rate around half a percent lower compared to those who bought existing homes (see graph below):

a graph of a graph showing a line graphThat kind of savings adds up and makes a big difference when you’re figuring out your monthly budget.

So, if you haven’t found something you love yet, it’s time to add newly built homes to your search. You may find that what you’ve been looking for is already out there, it’s just in a new home community.

[created_at] => 2025-07-15T15:24:59Z [description] =>

Are you looking for better home prices, or even a lower mortgage rate? You might find both in one place: a newly built home. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250715/20250717-Blog-Header-Image-original.png [id] => 91398 [kcm_ig_caption] => More choices, the potential to negotiate on the price, and maybe even better mortgage rates make these options a bright spot in today’s housing market. If you haven’t considered a newly built home yet, what’s holding you back? Let’s talk about it and see if it’s worth checking out new builds in and around our area. [kcm_ig_hashtags] => NewHomes,NewlyBuiltHomes,KeepingCurrentMatters [kcm_ig_quote] => Why a newly built home might be the move right now. [modified] => [poll] => [public_bottom_line] =>

More choices, the potential to negotiate on the price, and maybe even better mortgage rates make these options a bright spot in today’s housing market.

If you haven’t considered a newly built home yet, what’s holding you back?

Talk to a local real estate agent about what’s available and if a newly built home makes sense for you.

[published_at] => 2025-07-17T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 91399 [content_type] => must-share [title] => 7/17 Must Share ) ) [shares] => 0 [slug] => why-a-newly-built-home-might-be-the-move-right-now [status] => published [tags] => Array ( ) [title] => Why a Newly Built Home Might Be the Move Right Now [updated_at] => 2025-07-17T10:30:08Z [url] => /2025/07/17/why-a-newly-built-home-might-be-the-move-right-now/ )

Why a Newly Built Home Might Be the Move Right Now

Are you looking for better home prices, or even a lower mortgage rate? You might find both in one place: a newly built home. 

2
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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.

3
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    [agents_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. 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.

4
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There are a lot of things out of your control right now. But building a life in a space that’s truly yours? That’s still possible with the right strategy and expert help. Let’s talk about how to make it happen.

What would it mean for you to finally have a place to call your own?

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Life can feel a bit unpredictable these days. What’s happening with inflation? The economy? The housing market? But in the middle of all that uncertainty, there’s one thing a lot of people still crave – a place to call their own.

Because when everything else feels up in the air, home can be the thing that grounds you. As the experts at 1000WATT put it:

“Homeownership isn’t primarily financial anymore. . . Across all demographics, emotional and lifestyle factors consistently outrank wealth-building as motivators.”

Here’s what owning a home can mean for you, especially right now.

Freedom To Make It Yours

When you're a homeowner, you don’t need to ask permission to paint a wall, hang a gallery of your favorite art, or redo the floors. You have the freedom to create a space that reflects who you are, all the way from the light fixtures to the paint colors.

Pro Tip: Just be mindful about exterior changes, if you buy a home in a community that has a homeowner’s association (HOA). There may be some approvals you’d need to get for select outdoor changes.

More Privacy, More Peace

Owning your home can give you a sense of peace you didn’t even realize you were missing. It’s a comfortable place where you feel secure and can relax, enjoy your privacy, and unwind after a long day.

Room To Grow

Whether it’s starting a family, setting up a home office for your new career, or finally building that home gym in the garage so you can hit your fitness goals, owning gives you the space to live life on your terms.

A Stronger Sense of Community

When you own, you’re not just passing through, you’re putting down roots. That often leads to stronger ties with your community, more connection to your neighborhood, and a deeper feeling of belonging where you live. That’s very different from the temporary nature of renting.

A Feeling of Accomplishment

There’s something powerful about getting the keys and walking into your own front door for the first time. It’s more than pride, it’s personal satisfaction. A quiet and meaningful sense of “I did this.”

Sure, it’s not always easy for first-time homebuyers right now. The market today requires patience, strategy, and sometimes a little creative problem-solving. But it’s still worth it. As Realtor.com says:

“Buying a home is a major commitment, but it’s also incredibly rewarding.”

When you get those keys in your hand, when you realize this place is where your life gets to unfold, it clicks. The stress, the waiting, the planning – all of it led you home.

[created_at] => 2025-06-05T19:18:50Z [description] =>

Life can feel a bit unpredictable these days. What’s happening with inflation? The economy? The housing market? But in the middle of all that uncertainty, there’s one thing a lot of people still crave – a place to call their own.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250605/20250623-Blog-Header-Image-original.png [id] => 88288 [kcm_ig_caption] => There are a lot of things out of your control right now. But building a life in a space that’s truly yours? That’s still possible with the right strategy and expert help. Let’s talk about how to make it happen. What would it mean for you to finally have a place to call your own? [kcm_ig_hashtags] => Homebuying,FirstTimeHomebuyer,KeepingCurrentMatters [kcm_ig_quote] => Why homeownership is going to be worth it. [modified] => [poll] => [public_bottom_line] =>

There are a lot of things out of your control right now. But building a life in a space that’s truly yours? That’s still possible with the right strategy and expert help. Talk to a local agent about how to make it happen. 

What would it mean for you to finally have a place to call your own?

[published_at] => 2025-06-23T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 88926 [content_type] => must-share [title] => 6/23 Must Share ) ) [shares] => 0 [slug] => why-homeownership-is-going-to-be-worth-it [status] => published [tags] => Array ( ) [title] => Why Homeownership Is Going To Be Worth It [updated_at] => 2025-06-23T10:30:21Z [url] => /2025/06/23/why-homeownership-is-going-to-be-worth-it/ )

Why Homeownership Is Going To Be Worth It

Life can feel a bit unpredictable these days. What’s happening with inflation? The economy? The housing market? But in the middle of all that uncertainty, there’s one thing a lot of people still crave – a place to call their own.

5
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    [agents_bottom_line] => 

This summer brings a powerful combo for buyers: more homes to choose from, less competition, and sellers being more flexible on pricing. If you’re ready to make a move, let’s connect.

What would finding the right home this summer mean for your next chapter?

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Are you thinking about buying a home, but not sure if now’s the right time? A lot of people are waiting and wondering what the market’s going to do next. But here’s something only the savviest buyers realize:

This summer might actually be the best time to buy in years. Here are three big reasons why.

1. You Have More Negotiating Power

After several years of sellers having all the leverage, things are starting to shift. Check out the graph below. It uses data from Redfin to show that right now, there are more sellers active in the market than buyers:

a graph of sales and salesTake a look at what happened back in 2021 through roughly 2023. In that time period, there were far more buyers (the blue line) looking to buy than homes for sale (the green line). That’s what drove the intense competition, bidding wars, and the exponential price growth the market saw back then.

Now, the market has shifted, and buyers are regaining their negotiating power as a result. With more sellers than buyers, sellers may be more willing to pay for repairs, cover some of your closing costs, or lower their asking price. The return of this kind of normal balance is a sign of a much healthier, more sustainable market. As Lawrence Yun, Chief Economist of the National Association of Realtors (NAR), explains:

“ . . . with housing inventory levels reaching five-year highs, homebuyers in nearly every region of the country are in a better position to negotiate more favorable terms.”

And just in case you're worried there are too many homes on the market, here's what you should know. Overall inventory is still lower than normal, so you don’t have to worry about a nationwide oversupply or a crash.

2. You Have More Choices

The number of homes for sale has improved a lot. Based on the latest data from Realtor.com, more homes were listed this May than in May 2024 or May 2023 (see graph below):

And more homes for sale means more choices. There’s a good chance your perfect match just hit the market – or it will soon. So, it’s a great time to explore what’s out there. As Jake Krimmel, Economist at Realtor.com, says:

“With more fresh inventory hitting the market, buyers have better opportunities to find a home that fits their needs."

3. You May See More Flexibility on Price

With more homes for sale, they’re not selling at the same frenzied pace they were just a few years ago.

Since homes are taking more time to sell, some sellers are choosing to lower their asking prices to draw buyers back in or speed up the process. And that's to-be-expected. According to Realtor.com, 19.1% of listings had a price cut this May (see graph below):

a graph of blue rectangular bars with numbers and textThat’s the fifth straight month where more sellers have reduced their price. And, as of May, the volume of price cuts is back at normal levels. This is yet another sign of the return to a more balanced market.

While you shouldn’t expect a big discount, you may find sellers are a bit more flexible right now. As a recent article from The Street says:

Although sellers have had the upper hand in the housing market over the past few years, houses are now staying on the market for longer, shifting negotiating power back to homebuyers.”

Just remember, most sellers still aren’t adjusting their prices – just the ones who overpriced to start with. So, this isn’t a sign of a crash, it’s a sign of some sellers having outdated expectations in a shifting market.

[created_at] => 2025-06-11T20:08:13Z [description] =>

Are you thinking about buying a home, but not sure if now’s the right time?

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250611/20250619-Blog-Header-Image-original.png [id] => 88666 [kcm_ig_caption] => This summer brings a powerful combo for buyers: more homes to choose from, less competition, and sellers being more flexible on pricing. If you’re ready to make a move, let’s connect. What would finding the right home this summer mean for your next chapter? [kcm_ig_hashtags] => HomebuyingTips,HousingMarketUpdate,KeepingCurrentMatters [kcm_ig_quote] => 3 reasons to buy a home this summer. [modified] => [poll] => [public_bottom_line] =>

This summer brings a powerful combo for buyers: more homes to choose from, less competition, and sellers being more flexible on pricing. If you’re ready to make a move, connect with a local real estate agent. They’d love to help you take the next step.

What would finding the right home this summer mean for your next chapter?

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3 Reasons To Buy a Home This Summer

Are you thinking about buying a home, but not sure if now’s the right time?

6
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    [agents_bottom_line] => 

Having the right agent and the right strategy is key in a shifting market. Let’s connect so you don’t have to take this on solo – and so you can list with confidence, knowing you’ve got expert guidance from day one.

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Selling your house without an agent as a “For Sale by Owner” (FSBO) may be something you’ve considered. But you should know that, in today’s shifting market, more homeowners are deciding that’s just not worth the risk.

According to the latest data from the National Association of Realtors (NAR), the number of homeowners selling without an agent has hit an all-time low (see graph below):

a graph showing a line of salesAnd for the small number of homeowners who do decide to sell on their own, data shows they’re still not confident they’re making a good choice.

A recent survey finds three out of every four homeowners who don’t plan to use an agent have doubts about whether that’s actually the right decision.

And here’s why. The market is changing – not in a bad way, just in a way that requires a smarter, more strategic approach. And having a real estate expert in your corner really pays off.

Here are just two of the ways an agent's expertise makes a difference.

1. Getting the Price Right in a Market That’s Evolving

One of the biggest hurdles when selling a house on your own is figuring out the right price. It’s not as simple as picking a number that sounds good or selling your house for what your neighbor’s sold for a few years back – you need to hit the bullseye for where the market is right now. Without an agent’s help, you’re more likely to miss the mark. As Zillow explains:

“Agents are pros when it comes to pricing properties and have their finger on the pulse of your local market. They understand current buying trends and can provide insight into how your home compares to others for sale nearby.”

Basically, they know what’s really selling, what buyers are willing to pay in your area, and how to position your house to sell quickly. That kind of insight can have a big impact, especially in a market that’s balancing out.

2. Handling (and Actually Understanding) the Legal Documents

There’s also a mountain of documentation when selling a house, including everything from disclosures to contracts. And a mistake can have big legal implications. This is another area where having an agent can help.

They’ve handled these documents countless times and know exactly what’s needed to keep everything on track, so you avoid delays. And now that buyers are including more contingencies again and asking for concessions, your agent will guide you through each form step by step, making sure it’s done right and documented correctly the first time.

3. Selling Your House Quickly Even in a Shifting Market

Now that the number of homes for sale has grown, homes aren’t selling at quite the same pace they were. But you can still sell quickly if you have a proven plan to help your house stand out.

Just remember, homeowners don’t have the same network or marketing tools an experienced agent does. So, if you want the process to happen fast, you’ll likely want a pro by your side. 

[created_at] => 2025-06-12T14:47:45Z [description] =>

Selling your house without an agent as a “For Sale by Owner” (FSBO) may be something you’ve considered. But you should know that, in today’s shifting market, more homeowners are deciding that’s just not worth the risk.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250612/202050616-Blog-Header-Image-original.png [id] => 88718 [kcm_ig_caption] => Having the right agent and the right strategy is key in a shifting market. Let’s connect so you don’t have to take this on solo – and so you can list with confidence, knowing you’ve got expert guidance from day one. [kcm_ig_hashtags] => SellYourHouse,RealEstateAgent,KeepingCurrentMatters [kcm_ig_quote] => Why most sellers hire real estate agents today. [modified] => [poll] => [public_bottom_line] =>

Having the right agent and the right strategy is key in a shifting market. Connect with a local pro so you don’t have to take this on solo – and so you can list with confidence, knowing you’ve got expert guidance from day one.

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Why Most Sellers Hire Real Estate Agents Today

Selling your house without an agent as a “For Sale by Owner” (FSBO) may be something you’ve considered. But you should know that, in today’s shifting market, more homeowners are deciding that’s just not worth the risk.

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With the right loan and the right guidance, homeownership may be more achievable than you think.

Do you want to talk more about your options? A trusted lender is there to help.

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If you’re a first-time homebuyer, you might feel like the odds are stacked against you in today’s market. But there are resources and programs out there that can help – if you know where to look. And one thing that can make homeownership easier to achieve? An FHA home loan.

They’re designed to help you overcome some of the biggest financial hurdles in the homebuying process – and that’s why so many first-timers are using them to make their purchase.

Whether you’re dreaming of ditching rent, planting roots, or just wanting a place that’s truly yours, an FHA home loan could be the path that gets you there sooner than you think.

Buying Your First Home Probably Doesn’t Feel Easy Right Now

While the motivation to buy a home is still there for many people, affordability is a real challenge today. According to a survey from 1000WATT, potential first-time buyers say their top two concerns are saving enough for their down payment and making the monthly mortgage payments work at today’s home prices and mortgage rates (see graph below):

That’s Where FHA Loans Come In

FHA loans help many first-time buyers overcome these challenges.

In fact, according to Intercontinental Exchange (ICE), the average first-time buyer using an FHA loan puts down just $16,000. That’s a big difference from the $77,000 they’re putting down with the typical conventional mortgage (see graph below):

Essentially, buyers who use an FHA loan may not have to come up with as much cash up front. But the perks don’t stop there. You may also be able to pay less monthly, too.

That’s because, a lot of the time, the mortgage rate on FHA loans can be lower. Bankrate says:

“FHA loan rates are competitive with, and often slightly lower than, rates for conventional loans.”

So, if you’re thinking about buying your first place, an FHA loan may be worth exploring.

Because of the potential for lower down payment requirements and maybe even a lower mortgage rate, it could help with the two most common hurdles first-time buyers face today – saving enough money upfront and affording the monthly payment.

A trusted lender can walk you through the details, compare your options, and help you figure out what loan type makes the most sense for your situation.

[created_at] => 2025-05-30T18:39:20Z [description] =>

If you’re a first-time homebuyer, you might feel like the odds are stacked against you in today’s market. But there are resources and programs out there that can help – if you know where to look.

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With the right loan and the right guidance, homeownership may be more achievable than you think.

Do you want to talk more about your options? A trusted lender is there to help.

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Buying Your First Home? FHA Loans Can Help

If you’re a first-time homebuyer, you might feel like the odds are stacked against you in today’s market. But there are resources and programs out there that can help – if you know where to look.

8
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  • Homeownership is one of the best ways to build wealth in our country and it’s easy to see why.
  • As you pay down your mortgage and as home values rise over time, you gain equity – and that helps grow your net worth. That’s why a homeowner’s net worth is nearly 40X greater than a renters.
  • But you should only buy a home when you’re ready and able to do it. If you want to build a plan to get there, let’s connect.​
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a screenshot of a phone

[created_at] => 2025-05-30T17:53:32Z [description] =>

Homeownership is one of the best ways to build wealth in our country and it’s easy to see why. 

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  • Homeownership is one of the best ways to build wealth in our country and it’s easy to see why.
  • As you pay down your mortgage and as home values rise over time, you gain equity – and that helps grow your net worth. That’s why a homeowner’s net worth is nearly 40X greater than a renters.
  • But you should only buy a home when you’re ready and able to do it. If you want to build a plan to get there, connect with a local agent.​
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The Big Difference Between a Homeowner’s and a Renter’s Net Worth

Homeownership is one of the best ways to build wealth in our country and it’s easy to see why. 

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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?

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. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250528/20250605-Blog-Header-Image-original.png [id] => 87492 [kcm_ig_caption] => 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. [kcm_ig_hashtags] => RealEstateAgent,SellYourHome,KeepingCurrentMatters [kcm_ig_quote] => The rooms that matter most when you sell. [modified] => [poll] => [public_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?

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. 

10
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    [agents_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, 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. 

11
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  • Whether you’re planning to move soon or not, you want to be strategic about which home projects you take on. ​Because not all of them will be worth it.
  • Before you decide what upgrades to tackle, talk to an agent who knows what’s in demand in your area and where you’re most likely to recoup the costs.
  • Let’s connect so you know which projects are actually worthwhile.​
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a screenshot of a phone

[created_at] => 2025-05-27T15:30:44Z [description] =>

Whether you’re planning to move soon or not, you want to be strategic about which home projects you take on. Because not all of them will be worth it.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250527/20250530-KCM-Share-original.jpg [id] => 87387 [kcm_ig_caption] => Whether you’re planning to move soon or not, you want to be strategic about which home projects you take on. Because not all of them will be worth it. Before you decide what upgrades to tackle, talk to an agent who knows what’s in demand in your area and where you’re most likely to recoup the costs. Let’s connect so you know which projects are actually worthwhile. [kcm_ig_hashtags] => SellYourHouse,HomeRenovations,KeepingCurrentMatters [kcm_ig_quote] => Home projects that add the most value [modified] => [poll] => [public_bottom_line] =>
  • Whether you’re planning to move soon or not, you want to be strategic about which home projects you take on. ​Because not all of them will be worth it.
  • Before you decide what upgrades to tackle, talk to an agent who knows what’s in demand in your area and where you’re most likely to recoup the costs
  • Connect with a local agent so you know which projects are actually worthwhile.​
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Home Projects That Add the Most Value

Whether you’re planning to move soon or not, you want to be strategic about which home projects you take on. Because not all of them will be worth it.

12
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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?

13
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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.

14
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    [agents_bottom_line] => 

For the right buyer, ARMs can offer some big advantages. But they’re not one-size-fits-all. The key is understanding how they work, weighing the pros and cons, and thinking through if they’d be something that would work for you financially. And that’s why you need to talk to a trusted lender and financial advisor before you make any decisions.

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If you’ve been house hunting lately, you’ve probably felt the sting of today’s mortgage rates. And it’s because of those rates and rising home prices that many homebuyers are starting to explore other types of loans to make the numbers work. And one option that’s gaining popularity? Adjustable-rate mortgages (ARMs).

If you remember the crash in 2008, this may bring up some concerns. But don’t worry. Today’s ARMs aren’t the same. Here’s why.

Back then, some buyers were given loans they couldn’t afford after the rates adjusted. But now, lenders are more cautious, and they evaluate whether you could still afford the loan if your rate increases. So, don’t assume the return of ARMs means another crash. Right now, it just shows some buyers are looking for creative solutions when affordability is tough. 

You can see the recent trend in this data from the Mortgage Bankers Association (MBA). More people are opting for ARMs right now (see graph below):

a graph showing a lineAnd while ARMs aren’t right for everyone, in certain situations they do have their benefits.

How an Adjustable-Rate Mortgage Works

Here’s how Business Insider explains the main difference between a fixed-rate mortgage and an adjustable-rate mortgage:

“With a fixed-rate mortgage, your interest rate remains the same for the entire time you have the loan. This keeps your monthly payment the same for years . . . adjustable-rate mortgages work differently. You'll start off with the same rate for a few years, but after that, your rate can change periodically. This means that if average rates have gone up, your mortgage payment will increase. If they've gone down, your payment will decrease.”

Of course, things like taxes or homeowner’s insurance can still have an impact on a fixed-rate loan, but the baseline of your mortgage payment doesn’t change much. Adjustable-rate mortgages don't work the same way.

Pros and Cons of an ARM

Here’s a little more information on why some buyers are giving ARMs another look. They offer some pretty appealing upsides, like a lower initial rate. As Business Insider explains:

"Because ARM rates are typically lower than fixed mortgage rates, they can help buyers find affordability when rates are high. With a lower ARM rate, you can get a smaller monthly payment or afford more house than you could with a fixed-rate loan."

On the flip side, just remember, if you have an ARM, your rate will change over time. As Barron’s explains there’s the potential for higher costs later:

"Adjustable-rate loans offer a lower initial rate, but recalculate after a period. That is a plus for borrowers if rates come down in the future, or if a borrower sells before the fixed period ends, but can lead to higher costs if they hold on to their home and rates go up."

So, while the upfront savings can be helpful now, you'll want to think through what could happen if you're still in that home when your initial rate ends. Because while projections show rates are expected to ease a bit over the next year or two, no forecast is guaranteed. 

That’s why it’s essential to talk with your lender and financial advisor about all your options and whether an ARM aligns with your financial goals and your comfort with risk.

[created_at] => 2025-05-15T15:35:10Z [description] =>

If you’ve been house hunting lately, you’ve probably felt the sting of today’s mortgage rates.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250515/20250522-Blog-Image-Header-original.png [featured_image_meta] => [id] => 86562 [kcm_ig_caption] => For the right buyer, ARMs can offer some big advantages. But they’re not one-size-fits-all. The key is understanding how they work, weighing the pros and cons, and thinking through if they’d be something that would work for you financially. And that’s why you need to talk to a trusted lender and financial advisor before you make any decisions. [kcm_ig_hashtags] => Homebuying,AdjustableRateMortgage ,KeepingCurrentMatters [kcm_ig_quote] => Thinking about an adjustable-rate mortgage? Read this first. [modified] => [poll] => [public_bottom_line] =>

For the right buyer, ARMs can offer some big advantages. But they’re not one-size-fits-all. The key is understanding how they work, weighing the pros and cons, and thinking through if they’d be something that would work for you financially. And that’s why you need to talk to a trusted lender and financial advisor before you make any decisions.

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Thinking about an Adjustable-Rate Mortgage? Read This First.

If you’ve been house hunting lately, you’ve probably felt the sting of today’s mortgage rates.

15
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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.

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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.

16
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Keeping that low mortgage rate is smart – until it starts holding you back.

If a move is likely on the horizon for you, even if it’s a few years down the line, it’s worth thinking through the numbers now, so you can plan ahead.

What other price point do you want to see these numbers for? Let’s have that conversation, so I can show you how the math adds up. That way, you can make an informed decision about your timeline.

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If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go. And even if you’ve toyed with the idea of moving, this nagging thought may be holding you back: why would I give that up?”

But when you ask that question, you may be putting your needs on the back burner without realizing it. Most people don’t move because of their mortgage rate. They move because they want or need to. So, let’s flip the script and ask this instead: 

What are the chances you’ll still be in your current house 5 years from now?

Think about your life for a moment. Picture what the next few years will hold. Are you planning on growing your family? Do you have adult children about to move out? Is retirement on the horizon? Are you already bursting at the seams?

If nothing’s going to change, and you love where you are, staying put might make perfect sense. But if there’s even a slight chance a move is coming, even if it’s not immediate, it’s worth thinking about your timeline.

Because even a year or two can make a big difference in what your next home might cost you.

What the Experts Say About Home Prices over the Next 5 Years

Each quarter, Fannie Mae asks more than 100 housing market experts to weigh in on where they project home prices are headed. And the consensus is clear. Home prices are expected to rise through at least 2029 (see graph below):

a graph of a graph showing the price of risingWhile those projections aren’t calling for big increases each year, it's still an increase. And sure, some markets may see flatter prices or slower growth, or even slight dips in the short term. But look further out. In the long run, prices almost always rise. And over the next 5 years, the anticipated increase – however slight – will add up fast.

Here’s an example. Let's say you'll be looking to buy a roughly $400,000 house when you move. If you wait and move 5 years from now, based on these expert projections, it could cost nearly $80,000 more than it would now (see graph below):

That means the longer you wait, the more your future home will cost you. 

If you know a move is likely in your future, it may make sense to really think about your timeline. You certainly don't have to move now. But financially, it may still be worth having a conversation about your options before prices inch higher. Because while rates are expected to come down, it’s not by much. And if you’re holding out in hopes we’ll see the return of 3% rates, experts agree it’s just not in the cards (see graph below): 

a graph with lines and numbersSo, the question really isn’t: “why would I move?” It’s: “when should I?” – because when you see the real numbers, waiting may not be the savings strategy you thought it was. And that’s the best conversation you can have with your trusted agent right now.

[created_at] => 2025-05-07T16:38:53Z [description] =>

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250508/20250515-Why-Would-I-Move-With-a-3-Mortgage-Rate-NEW-original.png [featured_image_meta] => [id] => 85839 [kcm_ig_caption] => Keeping that low mortgage rate is smart – until it starts holding you back. If a move is likely on the horizon for you, even if it’s a few years down the line, it’s worth thinking through the numbers now, so you can plan ahead. What other price point do you want to see these numbers for? Let’s have that conversation, so I can show you how the math adds up. That way, you can make an informed decision about your timeline. [kcm_ig_hashtags] => RealEstate,RealEstateAdvice,KeepingCurrentMatters [kcm_ig_quote] => Why would I move with a 3% mortgage rate? [modified] => [poll] => [public_bottom_line] =>

Keeping that low mortgage rate is smart – until it starts holding you back.

If a move is likely on the horizon for you, even if it’s a few years down the line, it’s worth thinking through the numbers now, so you can plan ahead.

What other price point do you want to see these numbers for? Connect with a local agent to have a conversation, so you can see how the math adds up. That way, you can make an informed decision about your timeline.

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Why Would I Move with a 3% Mortgage Rate?

If you have a 3% mortgage rate, you’re probably pretty hesitant to let that go.

17
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    [agents_bottom_line] => 

Having student loans doesn’t mean buying a home is off the table. Before you count yourself out, talk to a lender to get a clearer picture of what you can afford and how close you are to taking the first step toward homeownership.

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Did you know? According to a recent study, 72% of people with student loans think their debt will delay their ability to buy a home. Maybe you’re one of them and you're wondering:

  • Do you have to wait until you’ve paid off those loans before you can buy your first home?
  • Or is it possible you could still qualify for a home loan even with that debt?

Having questions like these is normal, especially when you’re thinking about making such a big purchase. But you should know, you may be putting your homeownership goals on the backburner unnecessarily.

Can You Qualify for a Home Loan if You Have Student Loans?

In the simplest sense, what you want to know is can you still buy your first home if you have student debt. Here’s what Yahoo Finance says:

" . . . student loans don’t have to get in your way when it comes to becoming a homeowner. With the right approach and an understanding of how debt impacts your home-buying options, buying a house when you have student loans is possible."

And the data backs this up. An annual report from the National Association of Realtors (NAR), shows that 32% of first-time buyers had student loan debt (see graph below): 

a graph of a student loanWhile everyone’s situation is unique, your goal may be more doable than you realize. Plenty of people with student loans have been able to qualify for and buy a home. Let that reassure you that it is still possible, even as a first-time buyer. And just in case it’s helpful to know, the median student loan debt was $30,000. As an article from Chase says:

It’s important to note that student loans usually don’t affect your ability to qualify for a mortgage any differently than other types of debt you have on your credit report, such as credit card debt and auto loans.”

If your income is steady and your overall finances are solid, homeownership can still be within reach. So, having student loans doesn’t necessarily mean you have to wait to buy a home.

[created_at] => 2025-05-07T17:09:07Z [description] =>

Did you know? According to a recent study, 72% of people with student loans think their debt will delay their ability to buy a home.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250507/20250514-Don-t-Let-Student-Loans-Hold-You-Back-from-Homeownership-original.png [id] => 85844 [kcm_ig_caption] => Having student loans doesn’t mean buying a home is off the table. Before you count yourself out, talk to a lender to get a clearer picture of what you can afford and how close you are to taking the first step toward homeownership. [kcm_ig_hashtags] => Homeownership,RealEstateAdvice,KeepingCurrentMatters [kcm_ig_quote] => Don’t let student loans hold you back from homeownership. [modified] => [poll] => [public_bottom_line] =>

Having student loans doesn’t mean buying a home is off the table. Before you count yourself out, talk to a lender to get a clearer picture of what you can afford and how close you are to taking the first step toward homeownership.

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Don’t Let Student Loans Hold You Back from Homeownership

Did you know? According to a recent study, 72% of people with student loans think their debt will delay their ability to buy a home.

18
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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
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    [agents_bottom_line] => 

So, if you want or need to move this year, know that the experts say things should start looking up. Let’s connect so you can take advantage of any market shifts that work in your favor.

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From rising home prices to mortgage rate swings, the housing market has left a lot of people wondering what’s next – and whether now is really the right time to move. There is one place you can turn to for answers you want the most. And that’s the experts.

Leading housing experts are starting to release their projections for the rest of the year. These insights will give you clarity – and a little more optimism than you might expect. Business Insider sums up the forecasts (and why they’re good news for you):

“As mortgage rates go down this year, affordability may improve slightly for homebuyers. Inventory is also expected to grow, which should help moderate price growth and make finding a home easier.”

Let’s break it down.

1. Mortgage Rates Should Come Down (Slightly)

While a major drop isn’t on the table, forecasters are calling for a modest decline in rates in the months ahead as the economic outlook becomes more certain. Based on the information we have right now, here’s a look at where they say rates should be by year-end (see graph below):

a graph of interest rateEven this slight decrease is a welcome change. A seemingly small decline can still help bring down your future mortgage payment and give you a bit more breathing room in your budget.

Just remember, everything from inflation to employment and broader economic shifts will have an impact on where rates go from here. So, don’t try to time the market. And do expect some volatility along the way.

2. Inventory Will Continue To Grow

Inventory has already improved a lot this year. A big portion of the growth the market has already seen is because homeowners are getting tired of sitting on the sidelines. They’ve tried the wait and see approach with rates, and it hasn’t really paid off. And at a certain point, you need to move no matter what the market is doing. This is one reason more homes have been listed lately. And experts say that should continue. As Lance Lambert, Co-founder of ResiClub, says:

“The fact that inventory is rising year-over-year . . . strongly suggests that national active housing inventory for sale is likely to end the year higher.

If rate forecasts pan out as the experts say, that could be enough to tip some more sellers off the fence and back into the market – giving you even more options for your move.

3. Home Prices Are Moderating

As more homes hit the market, there will also be less upward pressure on home prices. Expert forecasts are still calling for growth, but the pace of that growth is slowing down as inventory climbs. The average of all 7 forecasts shows prices will rise about 2% this year (see graph below):

a graph of growth in green squaresThat means you could finally get a little bit of relief from rapidly rising home prices. When you combine the forecast for healthier price growth with projections for slightly lower mortgage rates, that could mean more buying power in the months ahead.

Keep in mind, though, the housing market is hyper-local. So, this is going to vary by area. Some markets will see prices climbing higher. And some may even see prices dip a little if inventory is up significantly in that location. So, lean on a local agent for insights into what’s happening in your area.

[created_at] => 2025-05-07T15:24:46Z [description] =>

From rising home prices to mortgage rate swings, the housing market has left a lot of people wondering what’s next – and whether now is really the right time to move.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250507/20250508-Housing-Market-Forecasts-for-the-Second-Half-of-the-Year-original.png [featured_image_meta] => [id] => 85826 [kcm_ig_caption] => So, if you want or need to move this year, know that the experts say things should start looking up. Let’s connect so you can take advantage of any market shifts that work in your favor. [kcm_ig_hashtags] => RealEstateNews,RealEstateMarket,KeepingCurrentMatters [kcm_ig_quote] => Housing market forecasts for the second half of the year. [modified] => [poll] => [public_bottom_line] =>

So, if you want or need to move this year, know that the experts say things should start looking up. And an agent can help you take advantage of any market shifts that work in your favor.

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Housing Market Forecasts for the Second Half of the Year

From rising home prices to mortgage rate swings, the housing market has left a lot of people wondering what’s next – and whether now is really the right time to move.

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
stdClass Object
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    [agents_bottom_line] => 
  • Thanks to recent home price appreciation, homeowners have near record amounts of equity – and you may too. On average, homeowners have $311K worth of equity.
  • Once you sell, you can use it to fund your down payment on your next home or maybe even to buy a smaller house in cash.
  • If you want to find out how much equity you have, let's connect. Because it may make a move a lot more feasible than you'd think.
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a house with pie charts and numbers

[created_at] => 2025-04-28T18:57:43Z [description] =>

Thanks to recent home price appreciation, homeowners have near record amounts of equity – and you may too. On average, homeowners have $311K worth of equity.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250428/20250502-Your-Home-Equity-Could-Make-Moving-Possible-KCM-Share-original.png [id] => 84765 [kcm_ig_caption] => Thanks to recent home price appreciation, homeowners have near record amounts of equity – and you may too. On average, homeowners have $311K worth of equity. Once you sell, you can use it to fund your down payment on your next home or maybe even to buy a smaller house in cash. If you want to find out how much equity you have, let's connect. Because it may make a move a lot more feasible than you'd think. [kcm_ig_hashtags] => HomeEquity,Opportunity,KeepingCurrentMatters [kcm_ig_quote] => Your home equity could make moving possible. [modified] => [poll] => [public_bottom_line] =>
  • Thanks to recent home price appreciation, homeowners have near record amounts of equity – and you may too. On average, homeowners have $311K worth of equity.
  • Once you sell, you can use it to fund your down payment on your next home or maybe even to buy a smaller house in cash. 
  • If you want to find out how much equity you have, connect with an agent. Because it may make a move a lot more feasible than you'd think.​
[published_at] => 2025-05-02T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 84923 [content_type] => must-share [title] => 5/2 Must Share ) ) [shares] => 0 [slug] => your-home-equity-could-make-moving-possible-infographic [status] => published [tags] => Array ( ) [title] => Your Home Equity Could Make Moving Possible [updated_at] => 2025-05-02T10:30:35Z [url] => /2025/05/02/your-home-equity-could-make-moving-possible-infographic/ )

Your Home Equity Could Make Moving Possible

Thanks to recent home price appreciation, homeowners have near record amounts of equity – and you may too. On average, homeowners have $311K worth of equity.

22
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    [agents_bottom_line] => 

The answer to the recession question is still unknown, but the odds have gone up. However, that doesn’t mean you have to worry about what it means for the housing market – or the value of your home. Historical data tells us what usually happens.

If you’re wondering how the current economy is impacting our local market, let’s connect.

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Talk about the economy is all over the news, and the odds of a recession are rising this year. That’s leaving a lot of people wondering what it means for the value of their home – and their buying power.

Let’s take a look at some historical data to show what’s happened in the housing market during each recession, going all the way back to the 1980s. The facts may surprise you.

A Recession Doesn’t Mean Home Prices Will Fall

Many people think that if a recession hits, home prices will fall like they did in 2008. But 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 inventory is still so low overall. Even in markets where the number of homes for sale has started to rise this year, inventory is still far below the oversupply of homes that led up to the housing crash.

In fact, according to data from Cotality (formerly CoreLogic), in four of the last six recessions, home prices actually went up (see graph below):

a graph of a graph showing the price of falling pricesSo, don’t assume a recession will lead to a significant drop in home values. The data simply doesn’t support that idea. Instead, home prices usually follow whatever trajectory they’re already on. And right now, nationally, home prices are still rising, just at a more normal pace.

Mortgage Rates Typically Decline During Recessions

While home prices tend to stay on their current path, mortgage rates usually drop during economic slowdowns. Again, looking at data from the last six recessions, mortgage rates fell each time (see graph below):

a graph of a graph showing the rise of mortgage ratesSo, a recession means rates could decline. And while that would help with your buying power, don’t expect the return of a 3% rate.

[created_at] => 2025-04-24T20:24:35Z [description] =>

Talk about the economy is all over the news, and the odds of a recession are rising this year.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250424/20250501-What-an-Economic-Slowdown-Could-Mean-for-the-Housing-Market-original.png [id] => 84578 [kcm_ig_caption] => The answer to the recession question is still unknown, but the odds have gone up. However, that doesn’t mean you have to worry about what it means for the housing market – or the value of your home. Historical data tells us what usually happens. If you’re wondering how the current economy is impacting our local market, let’s connect. [kcm_ig_hashtags] => ExpertAnswers,Opportunity,KeepingCurrentMatters [kcm_ig_quote] => What an economic slowdown could mean for the housing market. [modified] => [poll] => [public_bottom_line] =>

The answer to the recession question is still unknown, but the odds have gone up. However, that doesn’t mean you have to worry about what it means for the housing market – or the value of your home. Historical data tells us what usually happens.

If you’re wondering how the current economy is impacting your local market, connect with an agent.

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What an Economic Slowdown Could Mean for the Housing Market

Talk about the economy is all over the news, and the odds of a recession are rising this year.

23
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    [agents_bottom_line] => 

Even with the recent increase, foreclosure numbers are not at the levels seen during the 2008 crash. Plus, most homeowners today are in a much stronger equity position, even with rising costs.

If you are a homeowner who’s facing hardship, talk to your mortgage provider to explore your options.

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When it feels like the cost of just about everything is rising, it’s only natural to wonder what that means for the housing market. Some people are even questioning whether more homeowners will struggle to make their mortgage payments, ultimately leading to a wave of foreclosures. And recent data showing foreclosure filings have increased is only feeding into this fear. But don’t let that scare you.

If you put the latest data into context, it’s clear there’s no reason to think this is a repeat of the last housing crash.

This Isn’t Like 2008

While it’s true that foreclosure filings ticked up in the latest quarterly report from ATTOM, they’re still lower than the norm – and way below levels seen during the crash. And it’s a lot easier to see if you graph that out.

If you compare Q1 2025 (on the right side of the graph) to what happened in the years surrounding the 2008 crash (shown in red), it’s clear the market is in a completely different place (see graph below):

a graph of a graph of a number of falling downBack then, risky lending practices left homeowners with mortgages they couldn’t afford. That led to a wave of foreclosures, which flooded the market with distressed properties, a surplus of inventory, and caused home prices to drop dramatically.

Today, lending standards are much stronger, and most homeowners are in a much better financial position. That’s why filings are so much lower this time.

And just in case you’re looking at 2020 and 2021 and thinking we’ve ramped up since then, here’s what you need to know. During those years, there was a moratorium designed to help millions of homeowners avoid foreclosure in challenging times. That’s why the numbers for just a few years ago were so incredibly low.

So don’t compare today to that low point. If you look at more normal years like 2017-2019, overall foreclosure filings are actually down from what’s typical – and way down from the volume during the crash.

Of course, no one wants to go through the process of foreclosure. And the recent increase is emotional because it’s real lives that are impacted – let's not discount that. It’s just that, as a whole, this isn’t a signal of trouble in the market.

Why We Haven’t Seen a Big Surge in Foreclosures

And here's something else to reassure you: homeowner equity. Over the past few years, home prices have risen significantly. That means today’s homeowners have built up a solid financial cushion. As Rob Barber, CEO at ATTOM, explains:

“While levels remain below historical averages, the quarterly growth suggests that some homeowners may be starting to feel the pressure of ongoing economic challenges. However, strong home equity positions in many markets continue to help buffer against a more significant spike . . .”

Basically, if someone falls on hard times and can’t make their mortgage payments, they may be able to sell their home instead of going into foreclosure. That’s a huge contrast to 2008, when many people owed more than their homes were worth and had no choice but to walk away.

Don’t discount the strong equity footing most homeowners have today. As Rick Sharga Founder and CEO of CJ Patrick Company, explains in a recent Forbes article:

“ . . . a significant factor contributing to today’s comparatively low levels of foreclosure activity is that homeowners—including those in foreclosure—possess an unprecedented amount of home equity.”
[created_at] => 2025-04-23T14:45:34Z [description] =>

When it feels like the cost of just about everything is rising, it’s only natural to wonder what that means for the housing market.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250423/20250429-Why-Today-s-Foreclosure-Numbers-Aren-t-a-Warning-Sign-original.png [id] => 84421 [kcm_ig_caption] => Even with the recent increase, foreclosure numbers are not at the levels seen during the 2008 crash. Plus, most homeowners today are in a much stronger equity position, even with rising costs. If you are a homeowner who’s facing hardship, talk to your mortgage provider to explore your options. [kcm_ig_hashtags] => ExpertAnswers,RealEstate,KeepingCurrentMatters [kcm_ig_quote] => Why today’s foreclosure numbers aren’t a warning sign. [modified] => [poll] => [public_bottom_line] =>

Even with the recent increase, foreclosure numbers are not at the levels seen during the 2008 crash. Plus, most homeowners today are in a much stronger equity position, even with rising costs.

If you are a homeowner who’s facing hardship, talk to your mortgage provider to explore your options.

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Why Today’s Foreclosure Numbers Aren’t a Warning Sign

When it feels like the cost of just about everything is rising, it’s only natural to wonder what that means for the housing market.

24
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Time in the Market Beats Timing the Market.

If you’re debating whether to buy now or wait, remember this: real estate rewards those who get in the market, not those who try to time it perfectly.

Want to take a look at what’s happening with prices in our local area? Whether you're ready to buy now or just exploring your options, having a plan in place can set you up for long-term success.

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At some point, you’ve probably heard the saying: “Yesterday was the best time to buy a home, but the next best time is today.”

That’s because homeownership is about the long game – and home prices typically rise over time. So, while you may be holding out for prices to fall or rates to improve, you should know that trying to time the market rarely works.

Here’s what most buyers don’t always think about: the longer you wait, the more buying could cost you. And you deserve to understand why.

Forecasts Say Prices Will Keep Climbing

Each quarter, over 100 housing market experts weigh in for the Home Price Expectations Survey from Fannie Mae, and they consistently agree on one thing: nationally, home prices are expected to rise through at least 2029.

Yes, the sharp price increases are behind us, but experts project a steady, healthy, and sustainable increase of 3-4% per year going forward. And while this will vary by local market from year to year, the good news is, this is a much more normal pace – a welcome sign for the housing market and hopeful buyers (see graph below):

a graph of green bars

And even in markets experiencing more modest price growth or slight short-term declines, the long game of homeownership wins over time.

So, here’s what to keep in mind:

  • Next year’s home prices will be higher than this year’s. The longer you wait, the more the purchase price will go up.
  • Waiting for the perfect mortgage rate or a price drop may backfire. Even if rates dip slightly, projected home price growth could still make waiting more expensive overall.
  • Buying now means building equity sooner. When you play the long game of homeownership, your equity rewards you over time.

What You’ll Miss Out On

Let's put real numbers into this equation, because it adds up quickly. Based on those expert projections, if you bought a typical $400,000 home in 2025, it could gain nearly $80,000 in value by 2030 (see graph below):

a graph of growth in a chartThat’s a serious boost to your future wealth – and why your friends and family who already bought a home are so glad they did. Time in the market matters.

So, the question isn’t: should I wait? It’s really: can I afford to buy now? Because if you can stretch a little or you’re willing to buy something a bit smaller just to get your foot in the door, this is why it’ll be worth it.

Yes, today’s housing market has challenges, but there are ways to make it work, like exploring different neighborhoods, asking your lender about alternative financing, or tapping into down payment assistance programs.

The key is making a move when it makes sense for you, rather than waiting for a perfect scenario that may never arrive.

[created_at] => 2025-04-16T19:59:51Z [description] =>

At some point, you’ve probably heard the saying: “Yesterday was the best time to buy a home, but the next best time is today.”

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250416/20250424-Should-I-Buy-a-Home-Right-Now-original.png [id] => 83951 [kcm_ig_caption] => Time in the Market Beats Timing the Market. If you’re debating whether to buy now or wait, remember this: real estate rewards those who get in the market, not those who try to time it perfectly. Want to take a look at what’s happening with prices in our local area? Whether you're ready to buy now or just exploring your options, having a plan in place can set you up for long-term success. [kcm_ig_hashtags] => BuyaHome,Opportunity,KeepingCurrentMatters [kcm_ig_quote] => Should I buy a home right now? [modified] => [poll] => [public_bottom_line] =>

Time in the Market Beats Timing the Market.

If you’re debating whether to buy now or wait, remember this: real estate rewards those who get in the market, not those who try to time it perfectly.

Want to take a look at what’s happening with prices in your local area? Whether you're ready to buy now or just exploring your options, having a plan in place can set you up for long-term success.

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Should I Buy a Home Now or Wait?

At some point, you’ve probably heard the saying: “Yesterday was the best time to buy a home, but the next best time is today.”

25
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Chances are, your house is worth a lot more than you realize. Whether you’re thinking about selling, upgrading, or simply want to understand your options, your equity isn’t just a number. It’s a tool.

If you sold your house and had significant equity to work with, what would you do with it? Let’s figure out how to turn your home’s value into your next big move.

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Let’s talk about something you might not check nearly as often as your bank account – and that’s how much your home is worth. But when it comes to your financial situation, it’s an important thing to remember. When’s the last time you had a professional show you the value of your home?

Think about it. For most people, your house is probably the biggest asset you have. And if you’ve owned your home for a few years (or longer), chances are it’s been quietly building wealth for you in the background. And honestly? You might be surprised by just how much. 

What Is Home Equity?

This wealth you may not even realize you have comes in the form of home equity. Home equity is the difference between what your house is worth and what you still owe on your mortgage. It grows over time as home values rise and as you pay down your mortgage each month. Here’s an example to help you really understand how this works.

Let’s say your house is now worth $500,000, and you have $200,000 left to pay off on your loan. That means you have $300,000 in equity. And most homeowners are sitting on some pretty significant equity right now.

According to Cotality (formerly CoreLogic), the average homeowner with a mortgage has about $311,000 in equity.

Why You Probably Have More Than You Think

Here are the two main reasons homeowners like you have record amounts of equity right now:

1. Significant Home Price Growth. According to the Federal Housing Finance Agency (FHFA), home prices have jumped by more than 57% nationwide over the last five years (see map below):

a map of the united statesAnd if you purchased your home a few years ago (or more), this means your house is likely worth much more now than when you first bought it, thanks to how much prices have climbed lately.

2. People Are Living in Their Homes Longer. Data from the National Association of Realtors (NAR), shows the average homeowner stays in their home for about 10 years now (see graph below):

a graph of blue bars with orange textThat’s longer than it used to be. And over that decade? You’ve built equity just by making your mortgage payments and riding the wave of rising home values.

So, if you’re one of those people who’s been in their home for that long, here’s how much the behind-the-scenes price growth has helped you out. According to NAR:

“Over the past decade, the typical homeowner has accumulated $201,600 in wealth solely from price appreciation.”

What Could You Actually Do with That Equity?

Remember, your house might be your biggest financial asset – and, if you’re smart about how you leverage your equity, it could open up some exciting opportunities for your future.

  • Use it to help buy your next home. Your equity could help you cover the down payment on your next home. In some cases, it might even mean you can buy your next house in all cash.
  • Renovate your current house to better suit your life now. And, if you’re strategic about your projects, they could add even more value to your home if you do sell later on.
  • Start the business you’ve always dreamed of. Your equity could be exactly what you need for startup costs, equipment, or marketing. And that could help increase your earning potential, so you’re getting yet another financial boost.
[created_at] => 2025-04-16T15:26:04Z [description] =>

Let’s talk about something you might not check nearly as often as your bank account – and that’s how much your home is worth.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250416/20250423-What-s-your-house-worth-now-The-answer-may-surprise-you-original. [id] => 83904 [kcm_ig_caption] => Chances are, your house is worth a lot more than you realize. Whether you’re thinking about selling, upgrading, or simply want to understand your options, your equity isn’t just a number. It’s a tool. If you sold your house and had significant equity to work with, what would you do with it? Let’s figure out how to turn your home’s value into your next big move. [kcm_ig_hashtags] => Equity,ExpertAnswers,KeepingCurrentMatters [kcm_ig_quote] => What’s your house worth now? The answer may surprise you. [modified] => [poll] => [public_bottom_line] =>

Chances are, your house is worth a lot more than you realize. Whether you’re thinking about selling, upgrading, or simply want to understand your options, your equity isn’t just a number. It’s a tool.

If you sold your house and had significant equity to work with, what would you do with it? Connect with an agent to figure out how to turn your home’s value into your next big move.

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What’s Your House Worth Now? The Answer May Surprise You

Let’s talk about something you might not check nearly as often as your bank account – and that’s how much your home is worth.