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2843 search results for: is the current pace of home sales sustainable

1
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    [agents_bottom_line] => 

While affordability is still a challenge, the market may be offering a bit more stability – and that makes planning your next move a lot easier.

Let’s connect if you want to run the numbers and see what a monthly payment would look like in today’s market. That way you can stop waiting and start planning.

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Over the past few years, affordability has been the biggest challenge for homebuyers. Between rapidly rising home prices and higher mortgage rates, many have felt stuck between a rock and a hard place.

But, something pretty encouraging is happening. While affordability is still tight, mortgage rates have shown signs of stabilizing in recent months. And that may finally make it a bit easier to plan your move.

Mortgage Rates Have Stabilized – For Now

Over the past year, mortgage rates have had their share of ups and downs, making it tough for buyers to know what to expect. But recently, rates have started to level out and have settled into a more narrow range (see graph below):

a graph of a rateAs the graph shows, rates have stayed within that half-percentage-point since late last year. Yes, there’s been movement within that range, but wild swings and sudden ups and downs just haven’t been the story lately. And that’s a bigger deal than you may realize. As HousingWire explains:

“Analysts, economists and mortgage professionals are coining this quarter’s activity as one of the most “calm” periods for mortgage rates in recent memory.”

How This Helps Today’s Buyers

Let’s be real. Unpredictability makes it tough to plan ahead. When rates are bouncing around and making big jumps week to week, it’s easy to be intimidated. But with rates staying in a pretty steady range over the past several months, you have a clearer picture of what your potential monthly payment could look like. That makes moving feel less uncertain – and more doable.

So, stop waiting. And start planning. Even though rates may not be where you want them to be right now, they have been much less volatile for quite some time.

Will This Stability Last?

According to the experts, it looks like that stability might hang around for a bit. Rates may come down ever so slightly in the months ahead, but it’ll likely be a slow and mild change. As Danielle Hale, Chief Economist at Realtor.com, says:

“I expect a generally downward trend for rates this year, but at a slow enough pace that it might not be noticeable in any given month.”

So, if you’ve been holding out for the perfect mortgage rate, the best advice is to avoid trying to time the market. It may not look terribly different than the opportunity you already have in front of you. As Jeff Ostrowski, Housing Market Analyst at Bankrate, explains:

“Trying to time mortgage rates is really difficult. There’s no guarantee that rates are going to be any more favorable in three months or six months.”

And if we look at the latest expert forecasts that go out a bit further, even those tell much of the same story. Two out of the three projections say rates will still likely be in the mid-6% range by the end of 2026 (see graph below):

a graph of a graph showing the rate of a mortgage rateThis puts today’s buyers in a much better spot. As Sam Khater, Chief Economist at Freddie Mac, explains:

“Mortgage rates have moved within a narrow range for the past few months . . . Rate stability, improving inventory and slower house price growth are an encouraging combination . . .”

Just remember, mortgage rates are still going to react to changing economic conditions, inflation, and more – and that means they could shift again. But right now, you’ve got more predictability, and that means more opportunity, too. 

[created_at] => 2025-07-14T19:15:50Z [description] =>

Over the past few years, affordability has been the biggest challenge for homebuyers. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250714/20250716-Blog-Header-Image-original.png [id] => 91349 [kcm_ig_caption] => While affordability is still a challenge, the market may be offering a bit more stability – and that makes planning your next move a lot easier. Let’s connect if you want to run the numbers and see what a monthly payment would look like in today’s market. That way you can stop waiting and start planning. [kcm_ig_hashtags] => MortgageRates,HousingMarketNews,KeepingCurrentMatters [kcm_ig_quote] => Mortgage rates are stabilizing – how that helps today’s buyers. [modified] => [poll] => [public_bottom_line] =>

While affordability is still a challenge, the market may be offering a bit more stability – and that makes planning your next move a lot easier.

Connect with an agent or a lender if you want to run the numbers and see what a monthly payment would look like in today's market. That way you can stop waiting and start planning.

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Mortgage Rates Are Stabilizing – How That Helps Today’s Buyers

Over the past few years, affordability has been the biggest challenge for homebuyers. 

2
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    [agents_bottom_line] => 
  • If recent home price headlines have you feeling worried, here’s some perspective.​​
  • Home values almost always go up in the long run. ​And the long-term gains offset any short-term dips. Basically, if you plan to live there for 5 or more years, you should be able to buffer yourself against any short-term declines.
  • Let’s have a conversation about what’s happening with prices in our market, and we’ll look at the bigger picture together.
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a screenshot of a graph

[created_at] => 2025-07-08T15:03:16Z [description] =>

If recent home price headlines have you feeling worried, here’s some perspective.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250708/20250715-KCM-Share---5-year-rule-for-home-prices-original.png [id] => 90772 [kcm_ig_caption] => If recent home price headlines have you feeling worried, here’s some perspective. Home values almost always go up in the long run. And the long-term gains offset any short-term dips. Basically, if you plan to live there for 5 or more years, you should be able to buffer yourself against any short-term declines. Let’s have a conversation about what’s happening with prices in our market, and we’ll look at the bigger picture together. [kcm_ig_hashtags] => [kcm_ig_quote] => The 5-year rule for home prices. [modified] => [poll] => [public_bottom_line] =>
  • If recent home price headlines have you feeling worried, here’s some perspective.​​
  • Home values almost always go up in the long run. ​And the long-term gains offset any short-term dips. Basically, if you plan to live there for 5 or more years, you should be able to buffer yourself against any short-term declines.
  • Connect with an agent to have a conversation about what’s happening with prices in your market.
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The 5-Year Rule for Home Prices

If recent home price headlines have you feeling worried, here’s some perspective.

3
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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?

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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.

4
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    [agents_bottom_line] => 

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

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

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

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

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

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

Here’s what the breakdown shows:

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

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

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

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

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

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

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

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

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

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The Truth About Where Home Prices Are Heading

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

5
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    [agents_bottom_line] => 

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

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

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

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

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

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

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

The Advantages of Selling First

1. You’ll Unlock Your Home Equity

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

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

2. You Won't Be Juggling Two Mortgages

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

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

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

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

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

One Thing To Keep in Mind

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

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

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

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

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

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

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

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

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

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

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

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

6
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    [agents_bottom_line] => 
  • Now that summer’s here, you may be planning your next getaway. But what if you didn’t have to? ​
  • Buying a vacation home means having a built-in escape you can use year after year. It gives you the chance to generate rental income and have a go-to retirement destination in the future.
  • If you’re dreaming of owning your own slice of paradise, let’s connect and see if we can make it happen this summer.​
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a screenshot of a cellphone

[created_at] => 2025-06-26T21:54:19Z [description] =>

Now that summer’s here, you’re probably planning your next getaway. But what if you didn’t have to? 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250626/20250708-should-you-buy-a-vacation-home-kcm-share-original.jpg [id] => 89988 [kcm_ig_caption] => Now that summer’s here, you’re probably planning your next getaway. But what if you didn’t have to? Buying a vacation home means having a built-in escape you can use year after year. It gives you the chance to generate rental income and have a go-to retirement destination in the future. If you’re dreaming of owning your own slice of paradise, let’s connect and see if we can make it happen this summer.​ [kcm_ig_hashtags] => [kcm_ig_quote] => Should you buy a vacation home? [modified] => [poll] => [public_bottom_line] =>
  • Now that summer’s here, you may be planning your next getaway. But what if you didn’t have to? ​
  • Buying a vacation home means having a built-in escape you can use year after year. It gives you the chance to generate rental income and have a go-to retirement destination in the future.
  • If you’re dreaming of owning your own slice of paradise, connect with an agent to see if you can make it happen this summer.​
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Should You Buy a Vacation Home?

Now that summer’s here, you’re probably planning your next getaway. But what if you didn’t have to? 

7
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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.

8
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    [agents_bottom_line] => 

The market hasn’t stopped. Buyers are still buying. Life is still happening. And if selling your home is part of your next chapter, let’s make it happen.

Roughly 11,000 homes are selling every day – and yours could be next. When you’re ready to take the next step, let’s connect.

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If you’ve seen headlines saying home sales are down compared to last year, you might be thinking – is it even a good time to sell? 

Here’s the thing. Sure, the pace of the market has cooled compared to the frenzy we saw just a few years ago, but that’s not a red flag. It’s a return to normal. And normal doesn’t mean nothing’s happening. Buyers are still out there – and homes are still selling.

Why? Because real life doesn’t pause for perfect conditions. There are always people who need to buy – and this year is no exception. Buyers who are in the middle of a big change in their lives, a new marriage, a growing family, or a new job still need to move, no matter where mortgage rates are. And they may be looking for a home just like yours.

Every Minute 8 Homes Sell

Let’s break it down using the latest sales data from the National Association of Realtors (NAR). Based on the current pace, we’re on track to sell 4.03 million homes this year (not including new construction).

  • 4.03 million homes ÷ 365 days = 11,041 homes sell per day
  • 11,041 homes ÷ 24 hours = 460 homes sell per hour
  • 460 homes ÷ 60 minutes = roughly 8 homes sell every minute

That means in the time it takes to read this, another 8 homes will sell. Let that sink in. Every minute, buyers are making moves – and sellers are closing deals.

The Right Agent Makes All the Difference

If you’ve been holding off on selling your house because you think buyers aren’t out there, let this reassure you – there are still buyers looking to buy.

But since the market is balancing out, selling today takes more than just putting up a sign in the yard. You’ve got to price your house right, market it well, and know how to reach the buyers who are ready to act. That’s where a trusted local agent comes in.

They’ll help you navigate this market, position your home to stand out, and guide you through every step.

[created_at] => 2025-06-26T21:05:47Z [description] =>

If you’ve seen headlines saying home sales are down compared to last year, you might be thinking – is it even a good time to sell?

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250626/20250703-Blog-Header-Image-original.png [id] => 89983 [kcm_ig_caption] => The market hasn’t stopped. Buyers are still buying. Life is still happening. And if selling your home is part of your next chapter, let’s make it happen. Roughly 11,000 homes are selling every day – and yours could be next. When you’re ready to take the next step, let’s connect. [kcm_ig_hashtags] => SellYourHouse,HousingMarketUpdate,KeepingCurrentMatters [kcm_ig_quote] => Think no one’s buying homes right now? Think again. [modified] => [poll] => [public_bottom_line] =>

The market hasn’t stopped. Buyers are still buying. Life is still happening. And if selling your home is part of your next chapter, you can make it happen.

Roughly 11,000 homes are selling every day – and yours could be next. When you’re ready to take the next step, connect with a trusted local real estate agent so you have an agent to create that perfect strategy.

[published_at] => 2025-07-03T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 89984 [content_type] => must-share [title] => 7/3 Must Share ) ) [shares] => 0 [slug] => think-no-ones-buying-homes-right-now-think-again [status] => published [tags] => Array ( ) [title] => Think No One’s Buying Homes Right Now? Think Again. [updated_at] => 2025-07-03T10:30:22Z [url] => /2025/07/03/think-no-ones-buying-homes-right-now-think-again/ )

Think No One’s Buying Homes Right Now? Think Again.

If you’ve seen headlines saying home sales are down compared to last year, you might be thinking – is it even a good time to sell?

9
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    [agents_bottom_line] => 

If you’ve been holding off on buying, now might be the time to take another look. Let’s connect so you can get expert guidance on what’s available and what might be a good fit for you.

What kind of home would you be excited to make yours this year?

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Remember the chatter in the headlines about all the homes big institutional investors were buying? If you were thinking about buying a home yourself, you may have wondered how you’d ever be able to compete with that. Here’s the thing. That’s not the challenge so many people think it is – especially right now.

Let’s break down what’s really going on and why the recent shift in the approach investors are taking could tip the scales in your favor.

Large Investors Are Pulling Back

The truth is institutional investors never represented as big a share of the housing market as people think. And now, they’re backing off even more.

Today, big real estate investors aren’t buying as many homes. In fact, they’re actually selling more than they’re buying.

According to data from Parcl Labs, 6 out of 8 of the largest institutional single-family rental investment companies in America sold more homes than they bought in the second quarter of 2025 (see graph below):

a graph of sales and purchase

And here’s the stat that really puts it in perspective. According to Dominion Financial, for every home being bought by big investors, about 1.75 are being sold.

What’s Causing Big Investors To Change Course?

The reason institutional investors aren’t buying as many homes now compared to recent years is actually pretty simple. It’s because home values aren’t rising as fast as they were a few years ago, but the costs associated with rental maintenance are.

Since most institutional investors buy homes to rent them out, those higher costs eat into their margins. Remember, to investors, homebuying is a business.

But you’re not buying a home just for this year or next. You’re buying a place to build a life, and that’s a long-term play.

Historically, home values tend to rise over time. So, while investors may be sidelined by what’s happening right now, you’re in a different position entirely. You have the chance to buy while competition is lower and benefit from potential long-term price appreciation – something most investors are choosing not to wait for as they focus on shorter-term returns.

What Does All This Mean for You?

According to a recent survey, about 55% of real estate investors have no plans to grow their rental portfolios now or in the near future. With big investors stepping back, that means less competition from deep-pocketed buyers. And since they’re adding to today’s for-sale inventory, it also creates more options for you.

[created_at] => 2025-06-26T19:45:52Z [description] =>

Remember the chatter in the headlines about all the homes big institutional investors were buying? If you were thinking about buying a home yourself, you may have wondered how you’d ever be able to compete with that.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250626/20250702-Blog-Header-Image-original.png [id] => 89977 [kcm_ig_caption] => If you’ve been holding off on buying, now might be the time to take another look. Let’s connect so you can get expert guidance on what’s available and what might be a good fit for you. What kind of home would you be excited to make yours this year? [kcm_ig_hashtags] => HomebuyingTips,RealEstateNews,KeepingCurrentMatters [kcm_ig_quote] => This is why big investors aren’t a challenge for today’s homebuyer. [modified] => [poll] => [public_bottom_line] =>

If you’ve been holding off on buying, now might be the time to take another look. Connect with a local real estate agent so you can get expert guidance on what’s available and what might be a good fit for you.

What kind of home would you be excited to make yours this year?

[published_at] => 2025-07-02T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 90029 [content_type] => must-share [title] => 7/2 Must Share ) ) [shares] => 0 [slug] => why-big-investors-arent-a-challenge-for-todays-homebuyer [status] => published [tags] => Array ( ) [title] => Why Big Investors Aren’t a Challenge for Today’s Homebuyer [updated_at] => 2025-07-02T10:30:21Z [url] => /2025/07/02/why-big-investors-arent-a-challenge-for-todays-homebuyer/ )

Why Big Investors Aren’t a Challenge for Today’s Homebuyer

Remember the chatter in the headlines about all the homes big institutional investors were buying? If you were thinking about buying a home yourself, you may have wondered how you’d ever be able to compete with that.

10
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    [agents_bottom_line] => 
  • The right agent doesn’t just list your house – they help you sell smarter, faster, and with fewer surprises.
  • With an agent’s help, you’ll know what’s happening in your local market and how to price your house right. You’ll feel confident filling out complex legal documents and at the negotiation table. And that’s priceless.
  • Let’s connect so you have that expertise on your side.​
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a screenshot of a cellphone

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

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

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

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

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

11
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    [agents_bottom_line] => 

If your budget feels tight, buying a multi-generational home could be a smart solution.

Would you ever consider buying a home with a family member? Why or why not? 

Let’s connect to talk through your options.

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Multi-generational living is on the rise. According to the National Association of Realtors (NAR), 17% of homebuyers purchase a home to share with parents, adult children, or extended family. That’s the highest share ever recorded by NAR (see graph below):

a graph of sales growthAnd what’s behind the increase? Affordability. NAR explains:

“In 2024, a notable 36% of homebuyers cited “cost savings” as the primary reason for purchasing a multigenerational home—a significant increase from just 15% in 2015.”

In the past, caregiving was the leading motivator – especially for those looking to support aging parents. And while that’s still important, affordability is now the #1 motivator. And with current market conditions, that’s not really a surprise.

Pooling Resources Can Help Make Homeownership Possible

With today’s home prices and mortgage rates, it can be hard for people to afford a home on their own. That’s why more families are teaming up and pooling their resources.

By combining incomes and sharing expenses like the mortgage, utility bills, and more, multi-generational living offers a way to overcome financial challenges that might otherwise put homeownership out of reach. As Rick Sharga, Founder and CEO at CJ Patrick Company, explains:

“There are a few ways to improve affordability, at least marginally. . . purchase a property with a family member — there are a growing number of multi-generational households across the country today, and affordability is one of the reasons for this.”

But this strategy doesn’t just help with affordability. It may even allow you to get a larger home than you’d qualify for on your own and that gives everyone a bit more breathing room. As Chris Berk, VP of Mortgage Insights at Veterans United, explains:

“Multigenerational homes are more than a trend: They are a meaningful solution for families looking to care for one another while making the most of their homebuying power.”

And momentum may be growing. Nearly 3 in 10 (28%) of homebuyers say they’re planning to purchase a multi-generational home.

Maybe it’s a solution that would make sense for you too. The best way to find out? Talk to a local real estate agent who can help you decide if this option would work for you.

[created_at] => 2025-06-12T19:06:59Z [description] =>

Multi-generational living is on the rise. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250612/20250630--Blog-Header-Image-original.png [id] => 88777 [kcm_ig_caption] => If your budget feels tight, buying a multi-generational home could be a smart solution. Would you ever consider buying a home with a family member? Why or why not? Let’s connect to talk through your options. [kcm_ig_hashtags] => MultiGenerationalLiving,Homebuying,KeepingCurrentMatters [kcm_ig_quote] => Multi-generational homebuying hit a record high – here’s why. [modified] => [poll] => [public_bottom_line] =>

If your budget feels tight, buying a multi-generational home could be a smart solution. 

Would you ever consider buying a home with a family member? Why or why not? 

Connect with an agent to talk through your options.

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Multi-Generational Homebuying Hit a Record High – Here’s Why

Multi-generational living is on the rise. 

12
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    [agents_bottom_line] => 

Sellers who are going to succeed in the weeks and months ahead are the ones who understand this market shift and lean into it with the right expectations and the right strategy.

Let’s talk about what’s working in our local area right now – and how we can make those wins work for you whenever you’re ready to make a move.

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Here’s something you need to know. The housing market is getting back to a healthier, more normal place. And even though it may not sound like it, this shift is actually a good thing.

It’s what you should expect. It’s just that our expectations have been skewed by the intense seller’s market over the past few years.

But what you need to remember is: there’s still plenty of opportunity to be had if you’re thinking about selling – whether that’s next month or next year. You just need to stay up to date on what’s happening in the market, and have a strategy that matches the moment. Here's your update.

1. Inventory’s Up. Buyer Power Is Coming Back.

According to the latest data, the number of homes for sale is rising back toward more normal levels (see graph below):

But inventory growth is going to vary a lot based on where you live.

If you’re in a market where the number of homes for sale is back to normal, buyers may have more sway than you’d expect. That doesn’t mean buyers have all the power – it just means they have more choices, so your home has to stand out.

But if you live where inventory is still pretty limited, you may see more buyers competing for your house.

No matter where you are, the key is to work with a pro who can help you adjust your game plan for your local market.

2. The Right Price Matters More Than Ever

With more homes to choose from, today’s buyers are quick to skip over homes that feel overpriced. That’s why pricing your house right is the secret to selling quickly and for top dollar. That’s a point Realtor.com really drives home:

“ . . . a seller listing a well-priced, move-in ready home should have little problem finding a buyer."

Miss the mark, though, and you may have to backtrack. Today, about 1 in 5 sellers (19.1%) are reducing their asking price to attract buyers (see map below):

a map of the united statesHere’s how to avoid being one of those sellers who has to reduce their asking price. Danielle Hale, Chief Economist at Realtor.com, says:

The rising share of price reductions suggests that a lot of sellers are anchored to prices that aren't realistic in today's housing market. Today's sellers would be wise to listen to feedback they are getting from the market.”

The best way to get that information? Lean on your local agent. They have the expertise to set a price that sells in any market. Because if your price isn’t compelling, it’s not selling.

3. Flexibility Wins Negotiations

Gone are the days of buyers waiving inspections and appraisals just to get a deal done. Now, because they have more homes to choose from, buyers are able to ask for things like repairs, credits, and help with closing costs. And data from Redfin shows nearly 44.4% of sellers are willing to negotiate (see graph below):

The takeaway? This isn’t a bad market. It’s just a different one. And it’s in line with more normal years in the housing market, like back in 2019. The savviest sellers are the ones taking advantage of every opportunity to work with buyers and make their house shine.

And it’ll help if you think of concessions as tools, not losses. Use them to bridge gaps, sweeten deals, and get across the finish line. And don’t stress. Since prices went up roughly 55% over the past five years, you’ve got plenty of room to make a concession or two and still come out ahead.

Just be sure to work with your agent to understand which concessions could be the key to sealing the deal.

[created_at] => 2025-06-24T14:26:47Z [description] =>

Here’s something you need to know. The housing market is getting back to a healthier, more normal place.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250624/20250626-Header-Image-original.png [id] => 89731 [kcm_ig_caption] => Sellers who are going to succeed in the weeks and months ahead are the ones who understand this market shift and lean into it with the right expectations and the right strategy. Let’s talk about what’s working in our local area right now – and how we can make those wins work for you whenever you’re ready to make a move. [kcm_ig_hashtags] => RealEstateAdvice,RealEstateMarket,KeepingCurrentMatters [kcm_ig_quote] => This is what every homeowner needs to know in today’s shifting market. [modified] => [poll] => [public_bottom_line] =>

Sellers who are going to succeed in the weeks and months ahead are the ones who understand this market shift and lean into it with the right expectations and the right strategy.

Connect with a local agent and talk about what’s working in your area right now – and how to make those wins work for you, too – whenever you’re ready to make a move.

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What Every Homeowner Needs To Know In Today’s Shifting Market

Here’s something you need to know. The housing market is getting back to a healthier, more normal place.

13
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    [agents_bottom_line] => 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

14
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  • A growing number of homeowners are overestimating today’s market. ​And that’s why the number of sellers dropping their price is back at normal levels.​
  • A lot of the time this is happening because they’re not paying attention to current conditions. The best way to avoid that mistake? Lean on the expertise of an agent.
  • If you want a proven pricing strategy that works for today's market, let's connect.
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a blue and yellow graph with blue and yellow text

[created_at] => 2025-06-18T19:51:20Z [description] =>

A growing number of homeowners are overestimating today’s market. And that’s why the number of sellers dropping their price is back at normal levels.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250618/20250624-Why-Your-Homes-Asking-Price-Matters-More-Today-KCM-Share-original.jpg [featured_image_meta] => [id] => 89201 [kcm_ig_caption] => A growing number of homeowners are overestimating today’s market. ​And that’s why the number of sellers dropping their price is back at normal levels.​ A lot of the time this is happening because they’re not paying attention to current conditions. The best way to avoid that mistake? Lean on the expertise of an agent. If you want a proven pricing strategy that works for today's market, let's connect. [kcm_ig_hashtags] => [kcm_ig_quote] => Here is why your home's asking price matters more today. [modified] => [poll] => [public_bottom_line] =>
  • A growing number of homeowners are overestimating today’s market. ​And that’s why the number of sellers dropping their price is back at normal levels.​
  • A lot of the time this is happening because they’re not paying attention to current conditions. The best way to avoid that mistake? Lean on the expertise of an agent.
  • If you want a proven pricing strategy that works for today's market, connect with a local agent.
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Why Your Home's Asking Price Matters More Today

A growing number of homeowners are overestimating today’s market. And that’s why the number of sellers dropping their price is back at normal levels.

15
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    [agents_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. 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?

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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.

16
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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?

[published_at] => 2025-06-19T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 88921 [content_type] => must-share [title] => 6/19 Must Share ) ) [shares] => 0 [slug] => 3-reasons-to-buy-a-home-this-summer [status] => published [tags] => Array ( ) [title] => 3 Reasons To Buy a Home This Summer [updated_at] => 2025-06-19T10:30:17Z [url] => /2025/06/19/3-reasons-to-buy-a-home-this-summer/ )

3 Reasons To Buy a Home This Summer

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

17
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    [agents_bottom_line] => 

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

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

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

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

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

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

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

The Biggest Reasons People Are Moving Right Now

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

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

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

What About Mortgage Rates?

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

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

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

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

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

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

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

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

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

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

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

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

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

18
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  • There’s a misconception going around that you have to put 20% of the purchase price down when you buy a home. But the truth is, many people don’t put down that much unless they’re trying to make their offer more competitive.
  • And if you want to give your savings a boost, look into down payment assistance. Most first-time buyers qualify and the typical benefit is $17,000.
  • To learn more about your loan options or down payment assistance programs, connect with a trusted lender and check out downpaymentresource.com.
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a screenshot of a phone

[created_at] => 2025-06-10T17:16:11Z [description] =>

There’s a misconception going around that you have to put 20% of the purchase price down when you buy a home. But the truth is, many people don’t put down that much unless they’re trying to make their offer more competitive.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250610/20250617-What-You-Really-Need-To-Know-About-Down-Payments-KCM-Share-original.png [id] => 88557 [kcm_ig_caption] => There’s a misconception going around that you have to put 20% of the purchase price down when you buy a home. But the truth is, many people don’t put down that much unless they’re trying to make their offer more competitive. And if you want to give your savings a boost, look into down payment assistance. Most first-time buyers qualify and the typical benefit is $17,000. To learn more about your loan options or down payment assistance programs, connect with a trusted lender and check out downpaymentresource.com. [kcm_ig_hashtags] => DownPayment,HomeBuying,KeepingCurrentMatters [kcm_ig_quote] => What you really need to know about down payments. [modified] => [poll] => [public_bottom_line] =>
  • There’s a misconception going around that you have to put 20% of the purchase price down when you buy a home. But the truth is, many people don’t put down that much unless they’re trying to make their offer more competitive.
  • And if you want to give your savings a boost, look into down payment assistance. Most first-time buyers qualify and the typical benefit is $17,000.
  • To learn more about loan options or down payment assistance programs, connect with a trusted lender and check out downpaymentresource.com.
[published_at] => 2025-06-17T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 88651 [content_type] => must-share [title] => 6/17 Must Share ) ) [shares] => 0 [slug] => what-you-really-need-to-know-about-down-payments-infographic [status] => published [tags] => Array ( [0] => chart [1] => nar [2] => realtor-com [3] => housingwire [4] => down-payment-resource ) [title] => What You Really Need To Know About Down Payments [updated_at] => 2025-06-17T10:30:15Z [url] => /2025/06/17/what-you-really-need-to-know-about-down-payments-infographic/ )

What You Really Need To Know About Down Payments

There’s a misconception going around that you have to put 20% of the purchase price down when you buy a home. But the truth is, many people don’t put down that much unless they’re trying to make their offer more competitive.

19
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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.

[published_at] => 2025-06-16T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 88756 [content_type] => must-share [title] => 6/16 Must Share ) ) [shares] => 0 [slug] => why-most-sellers-hire-real-estate-agents-today [status] => published [tags] => Array ( ) [title] => Why Most Sellers Hire Real Estate Agents Today [updated_at] => 2025-06-16T10:30:14Z [url] => /2025/06/16/why-most-sellers-hire-real-estate-agents-today/ )

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.

20
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    [agents_bottom_line] => 
  • Have you been holding off on downsizing? If so, you should know your equity could make your move possible.
  • Homeowners today have so much equity that a record number are buying their next house in all cash. And that has some big benefits like making their offer more appealing, potentially closing faster, and not having a mortgage payment.
  • To find out how much equity you have in your current house, let's connect. Because it may be enough to fuel your move.
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a graph on a blue background

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

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

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  • Have you been holding off on downsizing? If so, you should know your equity could make your move possible.
  • Homeowners today have so much equity that a record number are buying their next house in all cash. And that has some big benefits like making their offer more appealing, potentially closing faster, and not having a mortgage payment.
  • To find out how much equity you have in your current house, connect with a local agent. Because it may be enough to fuel your move.
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You May Have Enough Equity To Downsize and Buy Your Next House in Cash

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

21
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    [agents_bottom_line] => 

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

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

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

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

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

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

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

Same house. Different strategy. Completely different results. 

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

1. It Was Priced Too High

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

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

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

2. It Didn’t Show Well

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

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

3. It Didn’t Get the Right Exposure

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

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

4. You Weren’t Willing To Negotiate

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

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

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

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

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

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

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

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

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

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

22
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Inventory is getting better, but how long it takes to get back to normal is going to be different based on where you’re looking to buy. Let’s talk about what’s happening in our local market and how it affects your next move.

What’s one thing you’ve noticed lately that makes the market feel different than it did a year or two ago?

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After years of it feeling almost impossible to find a home you want to buy, things are changing for the better.

Nationally, inventory is growing, and that gives you more options for your move. But here’s what you need to know. That level of growth is going to vary based on where you live. And that’s why you need an agent’s local market expertise.

Here’s a quick rundown of the current inventory situation, so you know what’s happening and what to expect.

Significant Growth Across the Nation

Nationally, the number of homes for sale is rising – and that’s true in all regions of the country. That’s shown in this data from Realtor.com. In each of the four regions, inventory is up at least 19% compared to the same time last year. In the West, it’s actually up almost 41% year-over-year (see graph below):

a graph with blue squaresThere are two main reasons for this increase:

  • More sellers are listing their homes. Many homeowners have been waiting for mortgage rates to drop before making a move. Now, some have decided they can’t wait any longer. May had more new listings than any May in the past three years.
  • Homes are taking longer to sell. That means listings are staying on the market longer, which increases the total number of homes available. In May, the typical home took 51 days to sell – much closer to what’s more typical for the market.

More homes for sale helps the market become more balanced. For the past few years, sellers have had the upper hand. Now, things are shifting. Nationally, it’s not a full-on buyer’s market yet, but it’s heading toward a healthier place, especially for homebuyers. Danielle Hale, Chief Economist at Realtor.com, explains:

“The number of homes for sale is rising in many markets, giving shoppers more choices than they’ve had in years . . . the market is starting to rebalance.

How Much Growth We’ve Seen Varies by Area

But, how long it’s going to take to achieve true balance is going to vary by area. Some parts of the country are seeing inventory bounce all the way back to normal levels, while others haven’t grown quite that much yet.

Let’s take a look at another graph. This time, we’ll compare the current data (what you already saw) to the last normal years in the housing market (2017-2019).

In this comparison, the green shows which regions are back at more typical levels for inventory based on the growth we’ve seen lately. The red shows where things have improved, but are still well below the norm (see graph below):

a graph of a graph with blue and orange squaresHere’s what that means for you. Across the board, you have more options now than you would’ve just one year ago. And that’s a really good thing. More choices means it should be a bit easier to find a home you love.

But not all markets are the same – some will take a bit longer to get back to more typical levels. So, lean on a local agent to find out what the inventory situation looks like where you want to live. They’ll be able to tell you how much growth they’ve seen locally and how to tailor your home search based on what’s available in that area. This is just one of the reasons a local agent’s perspective matters. 

[created_at] => 2025-06-06T14:50:26Z [description] =>

After years of it feeling almost impossible to find a home you want to buy, things are changing for the better. 

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250606/20250611-Blog-Title-Header-Image-original.png [featured_image_meta] => [id] => 88330 [kcm_ig_caption] => Inventory is getting better, but how long it takes to get back to normal is going to be different based on where you’re looking to buy. Let’s talk about what’s happening in our local market and how it affects your next move. What’s one thing you’ve noticed lately that makes the market feel different than it did a year or two ago? [kcm_ig_hashtags] => HousingMarket,HomesforSale,KeepingCurrentMatters [kcm_ig_quote] => Is inventory getting back to normal? [modified] => [poll] => [public_bottom_line] =>

Inventory is getting better, but how long it takes to get back to normal is going to be different based on where you’re looking to buy. Talk with a local real estate agent about what’s happening in your local market and how it affects your next move.

What’s one thing you’ve noticed lately that makes the market feel different than it did a year or two ago?

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Is Inventory Getting Back To Normal?

After years of it feeling almost impossible to find a home you want to buy, things are changing for the better. 

23
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    [agents_bottom_line] => 

Yes, prices can shift in the short term. But history shows that home values almost always go up – especially if you live there for at least five years. So, whether you’re thinking of buying or selling, remember the five-year rule, and take comfort in the long view.

When you think about where you want to be in five years, how does owning a home fit into that picture?

Let’s connect to get you there.

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Headlines are saying home prices are starting to dip in some markets. And if you’re beginning to second guess your plans based on what you’re hearing in the media, here’s what you need to know.

It's true that a few metros are seeing slight price drops. But don't let that overshadow this simple truth. Home values almost always go up over time (see graph below):

a graph of a graph of salesWhile everyone remembers what happened around the housing crash of 2008, that was the exception – not the rule. It hadn’t happened before, and hasn’t since. There were many market dynamics that were drastically different back then, too. From relaxed lending standards to a lack of homeowner equity, and even a large oversupply of homes, it was very different from where the national housing market is today. So, every headline about prices slowing down, normalizing, or even dipping doesn’t need to trigger fear that another big crash is coming.

Here’s something that explains why short-term dips usually aren’t a long-term deal-breaker.

What’s the Five-Year Rule?

In real estate, you might hear talk about the five-year rule. The idea is that if you plan to own your home for at least five years, short-term dips in prices usually don’t hurt you much. That’s because home values almost always go up in the long run. Even if prices drop a bit for a year or two, they tend to bounce back (and then some) over time.

Take it from Lance Lambert, Co-Founder of ResiClub:

“. . . there’s the ‘five-year rule of thumb’ in real estate—which suggests that most buyers can buffer themselves from mild short-term declines if they plan to own a property for at least that amount of time.”

What’s Happening in Today’s Market?

Here’s something else to put your mind at ease. Right now, most housing markets are still seeing home prices rise – just not as fast as they were a few years ago.

But in the major metros where prices are starting to cool off a little (the red bars in the graph below), the average drop is only about -2.9% since April 2024. That’s not a major decline like we saw back in 2008.

And when you look at the graph below, it’s clear that prices in most of those markets are up significantly compared to where they were five years ago (the blue bars). So, those homeowners are still ahead if they’ve been in their house for a few years or more (see graph below):

The Big Picture

Over the past 5 years, home prices have risen a staggering 55%, according to the Federal Housing Finance Agency (FHFA). So, a small short-term dip isn’t a significant loss. Even if your city is one where they’re down 2% or so, you’re still up far more than that.

And if you break those 5-year gains down even further, using data from the FHFA, you’ll see home values are up in every single state over the last five years (see map below):

a map of the united statesThat’s why it’s important not to stress too much about what’s happening this month, or even this year. If you’re in it for the long haul (and most homeowners are) your home is likely to grow in value over time.

[created_at] => 2025-05-30T18:58:18Z [description] =>

Headlines are saying home prices are starting to dip in some markets.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250530/20250610-Blog-Header-Image-original.png [id] => 87794 [kcm_ig_caption] => Yes, prices can shift in the short term. But history shows that home values almost always go up – especially if you live there for at least five years. So, whether you’re thinking of buying or selling, remember the five-year rule, and take comfort in the long view. When you think about where you want to be in five years, how does owning a home fit into that picture? Let’s connect to get you there. [kcm_ig_hashtags] => HomePrices,HousingMarketUpdate,KeepingCurrentMatters [kcm_ig_quote] => The five-year rule for home price perspective. [modified] => [poll] => [public_bottom_line] =>

Yes, prices can shift in the short term. But history shows that home values almost always go up over five years. So, whether you’re thinking of buying or selling, remember the five-year rule, and take comfort in the long view.

When you think about where you want to be in five years, how does owning a home fit into that picture?

Connect with an agent to discuss how to get there.

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The Five-Year Rule for Home Price Perspective

Headlines are saying home prices are starting to dip in some markets.

24
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    [agents_bottom_line] => 

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.

25
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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.