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2450 search results for: kcms housing predictions for 2014 interest rates will increase significantly

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

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

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

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

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

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

Builders Are Cutting Prices

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

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

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

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

Builders Are Offering Lower Mortgage Rates

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

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

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

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

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

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

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

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

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

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

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

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Why a Newly Built Home Might Be the Move Right Now

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

2
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    [agents_bottom_line] => 

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. 

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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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] => 

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.

6
stdClass Object
(
    [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?

7
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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.

8
stdClass Object
(
    [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.

[published_at] => 2025-06-30T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 89111 [content_type] => must-share [title] => 6/30 Must Share ) ) [shares] => 0 [slug] => multi-generational-homebuying-hit-a-record-high-heres-why [status] => published [tags] => Array ( ) [title] => Multi-Generational Homebuying Hit a Record High – Here’s Why [updated_at] => 2025-06-30T10:30:19Z [url] => /2025/06/30/multi-generational-homebuying-hit-a-record-high-heres-why/ )

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

Multi-generational living is on the rise. 

9
stdClass Object
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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.

[published_at] => 2025-06-26T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 89846 [content_type] => must-share [title] => 6/26 Must Share ) ) [shares] => 0 [slug] => what-every-homeowner-needs-to-know-in-todays-shifting-market [status] => published [tags] => Array ( ) [title] => What Every Homeowner Needs To Know In Today’s Shifting Market [updated_at] => 2025-06-26T10:30:16Z [url] => /2025/06/26/what-every-homeowner-needs-to-know-in-todays-shifting-market/ )

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.

10
stdClass Object
(
    [agents_bottom_line] => 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

11
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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?

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

Why Homeownership Is Going To Be Worth It

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

12
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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?

13
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    [agents_bottom_line] => 

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

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

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

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

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

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

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

The Biggest Reasons People Are Moving Right Now

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

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

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

What About Mortgage Rates?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

14
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    [agents_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 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.
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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.

15
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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. 

16
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    [agents_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. 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. 

17
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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.

18
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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.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250530/20250609-Blog-Header-Image-original.png [id] => 87793 [kcm_ig_caption] => 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. [kcm_ig_hashtags] => FirstTimeHomebuyer,HomebuyingTips,KeepingCurrentMatters [kcm_ig_quote] => Buying your first home? FHA loans can help. [modified] => [poll] => [public_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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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.

19
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    [agents_bottom_line] => 

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

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

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

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

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

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

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

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

What Buyers Should Know

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

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

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

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

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

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

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

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

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

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

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

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

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

20
stdClass Object
(
    [agents_bottom_line] => 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[published_at] => 2025-06-03T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 87445 [content_type] => must-share [title] => 6/3 Must Share ) ) [shares] => 0 [slug] => why-buying-real-estate-is-still-the-best-long-term-investment [status] => published [tags] => Array ( ) [title] => Why Buying Real Estate Is Still the Best Long-Term Investment [updated_at] => 2025-06-03T10:30:18Z [url] => /2025/06/03/why-buying-real-estate-is-still-the-best-long-term-investment/ )

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

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

21
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    [agents_bottom_line] => 

You could get a home that’s brand new, with modern features, at a price that’s even lower than some older homes. Let’s talk about what you’re looking for and see if a newly built home is the right fit for you.

If buying a home is on your to-do list, what would stop you from exploring newly built options?

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Do you think a brand-new home means a bigger price tag? Think again.

Right now, something unique is happening in the housing market. According to the Census and the National Association of Realtors (NAR), the median price of newly built homes is actually lower than the median price for existing homes (ones that have already been lived in):

a graph of sales and pricesYou read that right. That brand new, never-been-lived-in house may cost less than the one built 20 years ago in a neighborhood just down the street. So, if you wrote off a new build because you assumed they’d be financially out of reach, here’s what you should know. You could be missing out on some of the best options in today’s housing market.

Why Are Newly Built Homes Less Expensive Right Now?

1. Builders Are Building Smaller Homes

Builders know that buyers are struggling with affordability today. So, instead of building big houses that may not sell, they’re building smaller ones that will. According to the Census, the average size of a newly built single-family home has dropped considerably over the past few years (see graph below):

a graph of a growing graphAnd as size goes down, the price often does too. Smaller homes use fewer materials, which makes them less expensive to build. That helps builders keep prices lower so more people can afford them.

2. Builders Are Offering Price Cuts and Incentives

In May, according to the National Association of Home Builders (NAHB), 34% of builders lowered their prices, with an average price drop of 5%. That’s because they want to be sure they’re selling the inventory they have before they build more.

On top of that, 61% of builders also offered sales incentives – like helping with closing costs or buying down your mortgage rate. These are all ways builders are making their homes more affordable, so these homes sell in today’s market.

Your Next Step? Ask Your Agent What's Available Near You

If you're trying to buy a home right now, be sure to talk to your agent to find out what builders are doing in and around your area. They can find new home communities, as well as builders who are offering incentives or discounts, and hidden gems you might not uncover on your own.

Plus, buying a newly built home often means there are different steps in the process than if you purchase a home that’s been lived in before. That’s why it’s so important to have your own agent who can explain the fine print. You want a pro in your corner to advocate for you, negotiate on your behalf, and make sure your best interests come first.

[created_at] => 2025-05-27T19:24:02Z [description] =>

Do you think a brand-new home means a bigger price tag? Think again.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250527/20250602-Blog-Header-Image-original.png [id] => 87428 [kcm_ig_caption] => You could get a home that’s brand new, with modern features, at a price that’s even lower than some older homes. Let’s talk about what you’re looking for and see if a newly built home is the right fit for you. If buying a home is on your to-do list, what would stop you from exploring newly built options? [kcm_ig_hashtags] => HomebuyingTips,NewlyBuiltHome,KeepingCurrentMatters [kcm_ig_quote] => Newly built homes may be less expensive than you think. [modified] => [poll] => [public_bottom_line] =>

You could get a home that’s brand new, with modern features, at a price that’s even lower than some older homes. Talk with a local real estate agent about what you’re looking for and see if a newly built home is the right fit for you.

If buying a home is on your to-do list, what would stop you from exploring newly built options?

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Newly Built Homes May Be Less Expensive Than You Think

Do you think a brand-new home means a bigger price tag? Think again.

22
stdClass Object
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    [agents_bottom_line] => 

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

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

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

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

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

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

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

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

Homeownership Builds Wealth Over Time

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

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

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

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

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

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

The Biggest Downside of Renting

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

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

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

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

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

Renting vs. Buying: What Really Matters

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

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

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

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

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

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

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

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Is It Better To Rent or Buy a Home?

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

23
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The market has changed, but your opportunity to sell hasn’t. You just need the right pricing plan. Let’s walk through what’s happening with prices in our area and determine what price would help your house sell quickly and for top dollar.

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A few years ago, homes were flying off the shelves and getting multiple offers well over their asking price. It felt like you could name your price and still have buyers lined up at the door.

But today’s housing market is different. Buyers are getting more selective now that inventory has grown. Homes are sitting a little longer. And more sellers are having to cut their prices.

So, how do you still come out on top? It all starts with one thing, pricing your house right from the start. Today, that matters more than ever – and it can make or break your sale.

There’s a Real Price Disconnect Between Buyers and Sellers

A recent survey from Realtor.com shows 81% of home sellers believe they’ll get their asking price or more. But the actual sales data shows there’s a growing gap between what sellers expect and what buyers are actually willing to pay.

In fact, an annual report from the National Association of Realtors (NAR) shows 44% of recently sold homes went for less than the asking price. And 1 in 3 sellers had to cut their price at least once before the home sold. It’s a sign that expectations may be a little out of step with today’s reality.

Check out the graph below. It uses data from Redfin to show that asking prices (blue line) are higher than actual sales prices (green line) by a wider and wider margin:

a graph of sales and pricesThis tells you something important: not all buyers are willing to pay what many sellers are asking. That doesn’t mean you can’t sell for a great price – but it does mean you need to start with a price that reflects what people are willing to pay in today’s market.

What Happens When You Overprice Your House?

Pricing your house high initially may seem like a smart move, so you have more room to negotiate. But the reality is, an overpriced home can sit on the market and turn buyers away. 

Buyers are smart. And when they see a house that’s been sitting for a while, they start to wonder what’s wrong with it. That can lead to fewer showings, less interest, and eventually, a price cut to re-ignite attention. As Realtor.com explains

“By getting the right price early on, you can increase the odds buyers will be interested in the home. In turn, this decreases the chances the home will sit on the market for a lengthier timeline, also reducing the odds you’ll need to lower the listing price.”

The longer a house sits, the harder it can be to sell.

You Still Have a Great Opportunity – If You Price Your House Right 

To avoid making this mistake, it’s important to lean on an agent who knows what’s happening locally when you set your asking price. 

Your agent will look at recent local sales, buyer trends, and inventory levels to find that pricing sweet spot for your neighborhood – because it’s going to be different based on where you live.

And here’s something else to keep in mind, home prices have climbed more than 57% over the past five years. So, even if you price a bit below the number you had your sights set on, you’ll likely still be in a great position profit-wise.

With a local real estate agent’s help, you’ll attract more attention, avoid seeing your house sit on the market too long, and maximize your chances of getting a strong offer.

In today’s market, the right price works. As Mike Simonsen, Founder of Altos Research, explains:

“. . . the best properties, well priced are selling quickly in most of the country.”
[created_at] => 2025-05-22T19:11:32Z [description] =>

A few years ago, homes were flying off the shelves and getting multiple offers well over their asking price.

[exclusive_id] => [expired_at] => [featured_image] => https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20250522/20250528-Blog-Header-Image-original.png [id] => 87207 [kcm_ig_caption] => The market has changed, but your opportunity to sell hasn’t. You just need the right pricing plan. Let’s walk through what’s happening with prices in our area and determine what price would help your house sell quickly and for top dollar. [kcm_ig_hashtags] => PriceItRight,HomeSellingTips,KeepingCurrentMatters [kcm_ig_quote] => Here is the secret to selling your house in today’s market. [modified] => [poll] => [public_bottom_line] =>

The market has changed, but your opportunity to sell hasn’t. You just need the right pricing plan. Talk to a local real estate agent to go over what’s happening with prices in your area and determine what price would help your house sell quickly and for top dollar.

[published_at] => 2025-05-28T10:30:00Z [related] => Array ( ) [related_to] => Array ( [0] => stdClass Object ( [id] => 87208 [content_type] => must-share [title] => 5/28 Must Share ) ) [shares] => 0 [slug] => the-secret-to-selling-your-house-in-todays-market [status] => published [tags] => Array ( ) [title] => The Secret To Selling Your House in Today’s Market [updated_at] => 2025-05-28T10:30:12Z [url] => /2025/05/28/the-secret-to-selling-your-house-in-todays-market/ )

The Secret To Selling Your House in Today’s Market

A few years ago, homes were flying off the shelves and getting multiple offers well over their asking price.

24
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VA home loans offer life-changing assistance, and a trusted lender and agent can help make sure you understand the details and are ready to move forward with a solid plan.

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

 

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

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

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

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

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

The Benefits of VA Home Loans

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

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

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

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

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

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

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

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

 

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

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

25
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    [agents_bottom_line] => 

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

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

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

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

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

Terms Every Homebuyer Should Know

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Common Real Estate Terms Explained

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