Whether you’re selling next year or just giving your house some TLC, the right home improvements today can set you up for success tomorrow. And the best part? Your equity may be the key to making it happen.

What’s one upgrade you’ve been thinking about – and wondering if it’s worth it?

Let’s have a quick conversation about whether it’s the right decision for your home.

That kitchen you’ve been mentally redesigning...

The bathroom that really needs a refresh...

Or the outdoor space you keep saying you’ll get to someday...

What if you already have what you need to finally make it happen? Because a growing number of homeowners are realizing just that.

Homeowners are expected to spend over $522 billion on home improvements by the end of 2026 – and they’re not draining their savings accounts to get it done. Many are using their home equity.

And if you’ve owned your home for 10+ years, there’s a chance you could use your equity to fund some home upgrades too. Let’s break down what you need to know first.

What Is Equity? And How Does It Help?

Equity is the difference between what your house is worth and what you owe on your mortgage.

And according to Cotality, the average homeowner has about $313,000 worth of equity today. That’s more than enough to finally knock some projects off your list. And more people are realizing they can use that to give their home a little TLC.

Research coming out of Meridian Link says home improvements are the top thing people are using their equity for today.

Top Motivations for Equity-Based Borrowing:

• Funding home improvements (45%)
• Using it to pay down other debts / debt consolidation (16%)
• Investing in other properties (16%)

Maybe it makes sense for you to do the same. But here’s what’s important. Just because you can use your equity doesn’t mean you have to. It also doesn’t mean every project makes sense.

What Projects Are Actually Worth It?

If you’re going to go this route, you’ll want to focus on upgrades that actually pay off. A good renovation should be something that improves the value of your home. Because, even if you’re not planning to sell soon, you want to make sure you’re setting yourself up for success when you do.

And an agent is the best resource as you weigh your options. They know what other homeowners are doing and what buyers in your area like. And that can be really helpful as you narrow down your project list. As the National Association of Realtors (NAR) puts it:

“Being able to help sellers prioritize home improvements and maximize their net on the sale is a key value real estate agents offer.”

Here’s a quick rundown of the projects with the best potential to recoup your costs according to NAR (see graph below). While it’s a good starting point, just remember it can’t match the expertise an agent can provide.

As you can see, there’s a wide range of projects on that list. Yes, some are bigger-ticket items, like kitchens or baths. But others are smaller updates with surprisingly strong ROI.

A new front door is a great project. But it’s not something to use your equity for. But revamping your kitchen? That’s where your equity can come in and lighten the load.

Where To Go from Here

Whether the project you’ve been thinking about is on this list or not, chat with an agent to make sure it’s worth the time, money, and effort before calling in any contractors.

Because the goal isn’t to do everything, it’s to invest where it counts.

And if you want to use your equity to get one of the bigger projects done, meet with a financial advisor too. Because you’ll want to make sure you’ll maintain a good loan-to-value (LTV) threshold even after using your equity. That way you have all the information you need to make your decision.

That kitchen you’ve been mentally redesigning...

The bathroom that really needs a refresh...

Or the outdoor space you keep saying you’ll get to someday...

Whether you’re selling next year or just giving your house some TLC, the right home improvements today can set you up for success tomorrow. And the best part? Your equity may be the key to making it happen.

What’s one upgrade you’ve been thinking about – and wondering if it’s worth it?

Have a quick conversation with an agent to find out if it’s the right decision for your home.

If you’re curious what your home equity could make possible, for you or for your loved ones, let’s start with a simple conversation. Because sometimes the most meaningful investment you can make is for the next generation.

For a lot of parents or grandparents, watching a family member struggle to buy their first home right now is hard. That's because you saw firsthand how homeownership gave your life more stability and helped grow your net worth – and you want your loved ones to have those same opportunities.

But with all the affordability challenges in recent years, that can feel like an uphill battle – even though it’s slowly improving lately. Here’s what you may not realize. You may be in a unique position to help (thanks to the equity in your current house).

The Equity Advantage You May Not Be Thinking About

You’ve likely owned your home for years, maybe even decades. And during that time, two things happened:

• Home values rose
• Your mortgage balance shrank (or you paid it off entirely)

That combination has created substantial equity for many homeowners like you.

And while you may think of that equity as something you want to have in your pocket for retirement, it can also serve another purpose: helping the next generation clear the biggest hurdle in their way.

The #1 Thing Holding Young Buyers Back

When John Burns Research & Consulting (JBREC) asked renters what’s keeping them from buying, the top answer wasn’t mortgage rates or home prices. It was the upfront cost, particularly saving enough for their down payment (see graph below):

That’s where you may be able to make more of a difference than you realize. You can’t control rates or prices. But you may be able to use your equity to help with this upfront expense. And giving money to your loved one so they buy a home doesn’t mean putting your own future at risk.

Even a small portion of your equity can put them in a position to finally get the keys to their first place – and, if you’re strategic about it, you’d still have a lot leftover for when you retire.

With an estimated $68 and $84 trillion of wealth expected to transfer from older generations to younger ones over the next two decades, many families are already thinking differently about when and how that wealth will be passed down. Maybe it makes sense for your family to think about too.

Help from Loved Ones Is Making a Move Possible for Many First-Time Buyers

A growing share of young buyers are using gifts and loans from their loved ones to springboard into homeownership. According to the National Association of Realtors (NAR), nearly 1 in 5 first-time buyers use a cash gift from their family or loved ones for their down payment.

And other young buyers are using their inheritance or a loan from someone they know to finally break into the market (see charts below):

This Is About Opportunity, Not Obligation

Every family’s situation is different, and your decision should be made carefully. It’s just that, if you’ve built up a lot of equity, you may have more room to help than you think.

It’s not just a financial gift. It’s giving stability, security, and a foundation that could change their lives for the better – especially at a time when they may not be able to do it on their own.

For a lot of parents or grandparents, watching a family member struggle to buy their first home right now is hard.

If you’re curious what your home equity could make possible, for you or for your loved ones, start with a simple conversation with a local real estate agent. Because sometimes the most meaningful investment you can make is for the next generation.

If your current house isn’t meeting your needs anymore, don’t assume your only choice is an existing home. New construction is becoming a real contender, especially for move-up buyers who want space, features, and a home that works for how they live now.

Curious whether new construction might be a fit for you? Let’s chat.

At some point, a house that once felt perfect just… doesn’t anymore.

Maybe you need more space.

Maybe working from home turned your dining room into a permanent office.

Maybe the layout just doesn’t match how you live now.

If your current house is starting to feel like it’s holding you back instead of supporting your life, it’s natural to think about making a move. But that brings up the next big question: once you sell, where do you go?

For a growing number of buyers, the answer is something brand new.

New Construction Is a More Popular Choice Lately

According to the National Association of Realtors (NAR), more people are buying new homes than they have in years. The latest annual data available shows 16% of homes purchased were newly built.

At first glance you may not see why that’s a big deal. But that’s actually the highest share of new home purchases in almost two decades.

Why More Buyers Are Choosing a Brand-New Construction

For many buyers, especially move-up buyers, new construction isn’t just about aesthetics. It’s about lifestyle, convenience, and peace of mind.

1. Everything Is Brand New

You’re not inheriting someone else’s projects. No wondering how old the roof is. No budgeting for a new HVAC right after move-in. No big surprises when the previous owners patch job fails. For move-up buyers who’ve been dumping money into updating their current house, that’s a win.

2. You Can Customize Before Move In

If you choose a home that's still under construction, you could have the chance to pick the flooring, counters, cabinets, hardware, lighting, and so much more. That level of personalization can be a draw for move-up buyers like you, because it allows you to hand pick the fit and finishes you've been wanting for so long.

3. A Home Designed for How People Live Today

Most new construction homes are built to current building standards and buyer preferences, which means you could see built-in smart home features, better energy efficiency (which can lower utility bills), and even more modern floor plans and features. And if your layout just isn’t working for you anymore, you may find exactly what you need now in a new home.

4. Neighborhood Amenities

New developments often include shared community spaces like walking trails, parks, playgrounds, or even pools and gyms. For families and active households, that’s a big bonus to have that just a few steps out of their front door.

5. Builder Incentives

Not to mention, since there are more new homes on the market than the norm, builders are motivated to sell what they have. So, you may find they’re more willing to negotiate than you’d expect on things like price, upgrades, and more.

At some point, a house that once felt perfect just… doesn’t anymore.

If your current house isn’t meeting your needs anymore, don’t assume your only choice is an existing home. New construction is becoming a real contender, especially for move-up buyers who want space, features, and a home that works for how they live now.

Curious whether new construction might be a fit for you? Talk to a local real estate agent.

If buying your first home feels just out of reach, the right option might not be a different timeline. It might be a different type of home.

If you want to talk through whether a townhome makes sense for you or see what’s available in our area, let’s connect.

Buying your first home can feel frustrating when the numbers don’t line up the way you expected. You may know you’re ready but finding something that fits your life and your budget is the hard part.

That’s where townhomes come in.

Townhomes are becoming a bigger part of today’s housing supply, and that shift is opening doors for first-time buyers in a way we haven’t seen in years. That’s because they offer a more realistic path to step into homeownership without stretching yourself too thin, especially in a market where affordability can still feel tight.

There Are More Townhomes To Choose From

Builders are building more townhomes than they have in decades. In fact, when you look at data from the National Association of Home Builders (NAHB), nearly 1 in 5 new single-family homes being built today is a townhome. That's the highest share on record (see graph below):

To put that in perspective, just a decade ago, townhomes made up closer to 1 in 10 new construction homes.

That gives today’s buyers far more townhome options than they had in the past. And that’s a really good thing.

Townhomes are one of the best ways for first-time buyers to finally get their foot in the door. And seeing that there’s more available for sale means one thing: you may have more opportunity to break into the market than you think.

Here’s why they’re such a popular choice for buyers like you.

Townhomes Tend To Be More Affordable

While prices vary by market, Redfin data shows townhomes are typically priced lower than detached single-family homes nationally. And that gap has grown in recent years as the supply of this type of home has grown too (see graph below):

There are two main reasons you may find a better deal on a townhome today. 

Reason #1: Size 

Townhomes are usually smaller by design. Most modern townhomes fall in the 1,300–1,500 square foot range, which helps keep prices, and monthly payments, lower. Basically, it works like this. Since they usually have a smaller footprint, they’re cheaper to build, and that makes them less expensive to buy, too. Ali Wolf, Chief Economist at NewHomeSource, explains how this helps buyers:

“With the high cost of housing across the country, townhomes have emerged as a vital, more accessible entry point into homeownership. They are often priced lower than detached houses, offering buyers – especially first-timers, young professionals, and those downsizing – the chance to build equity without breaking the bank.”

Reason #2: Builder Motivation

And here’s another thing working in your favor. With more inventory than in recent years, homebuilders are motivated to sell what they’ve already built.

So, many may be more willing to negotiate, whether that means price flexibility, closing cost help, or potentially throwing in upgrades. According to the National Association of Realtors (NAR):

“. . . home builders say they’re ready to attract more first-time home buyers. They’re responding to affordability pressures through lower cost homes and builder incentives. About 40% of builders cut prices on newly built homes at the end of last year . . . Roughly two-thirds of builders also offered additional incentives, like mortgage rate buydowns.”

Buying your first home can feel frustrating when the numbers don’t line up the way you expected.

If buying your first home feels just out of reach, the right option might not be a different timeline. It might be a different type of home.

If you want to talk through whether a townhome makes sense for you or see what’s available in your area, connect with a local real estate agent.

Foreclosure activity may be rising, but it’s still well within a normal range – and nowhere close to the danger zones of the past. But the headlines are doing more to terrify than clarify. And that’s exactly why having a trusted real estate expert you can call on is so important.

When you hear something in the news or see something on social about housing that worries you, please reach out so you have the context to understand what’s really happening and how it impacts you (if at all). 

If you’ve seen headlines saying foreclosure activity has been climbing for 10 straight months, it’s easy to assume that's a sign of trouble for the housing market. But when you look at the full picture, a few simple truths become clear:

• Today’s foreclosure numbers are in line with what’s considered normal
• High home equity is keeping most homeowners in a strong financial position
• None of the data points to a big wave of distressed sales that’ll crash the market

Foreclosure Filings Are Up 32%, But That Doesn’t Mean the Market’s in Trouble

If you peel the layers all the way back, what everyone is actually worried about is that we’re headed for a repeat of what happened in 2008. Back then, riskier lending practices and an oversupply of homes for sale brought home prices down and led to a significant increase in foreclosures. A lot of people felt the impact. But this isn’t the same situation.

Yes, ATTOM data shows foreclosure filings are up 32% year-over-year. And that increase is going to sound dramatic. But context matters, and it doesn’t mean we’re headed for another crash. And the numbers prove it. Take a look at where we were during the last crash (the red in the graph below). And where we are now (the blue):

Even with the uptick lately, we are still nowhere near crash levels – far from it. This isn’t a return to crisis levels. What it is, is a return to normal.

The graph below shows foreclosure filings going all the way back to early 2005. The lead up to, and the aftermath of, the crash is there in red. Those are the years when foreclosure filings went above the 1 million mark each year.

Now, look at the right side and scan back to the 2017–2019 range (the last truly normal years for housing). You’ll see we’re actually just starting to fall back in line with what’s typical for the market, even with the increase lately:

Rob Barber, CEO at ATTOM, explains it well:

“Foreclosure activity increased in 2025, reflecting a continued normalization of the housing market following several years of historically low levels . . . While filings, starts, and repossessions all rose compared to 2024, foreclosure activity remains well below pre-pandemic norms and a fraction of what we saw during the last housing crisis . . . today’s uptick is being driven more by market recalibration than widespread homeowner distress, with strong equity positions and more disciplined lending continuing to limit risk.”

The word “normalization” in that quote is extra important. While economic and financial pressures are putting a strain on some homeowners, this isn’t a flood of distressed homes. No matter what the headlines may have you believe, this isn’t a large-scale crisis.

Today’s increase isn’t a sign of trouble. It’s a return to normal.

Why This Isn't a Repeat of 2008

Even though the last housing crash still shapes how a lot of people interpret today’s news, the reality is, this is a different market:

• Lending standards are stronger
• Borrowers are more qualified
• And homeowners have far more equity

And that equity piece is especially important. Over the last five years, home prices have risen significantly. For many people, their house is worth far more than they paid for it. That means most homeowners have a strong financial cushion to fall back on, if needed.

Basically, if someone faces hardship today, they often have the option to sell, and maybe even walk away with money in their pocket, instead of going through foreclosure. That’s a major contrast to 2008, when many homeowners owed more than their home was worth. 

If you’ve seen headlines saying foreclosure activity has been climbing for 10 straight months, it’s easy to assume that's a sign of trouble for the housing market.

Foreclosure activity may be rising, but it’s still well within a normal range – and nowhere close to the danger zones of the past. But the headlines are doing more to terrify than clarify. And that’s exactly why having a trusted real estate expert you can call on is so important.

When you hear something in the news or see something on social about housing that worries you, reach out to a local agent. An expert will have the context needed to explain what’s really happening and how it impacts you (if at all). 

Affordability won't change suddenly overnight. But, with several key trends working together, it should slowly and steadily improve in the months ahead.

That’s exactly why, in 2026, you should see a market with more balance, more predictability, and more breathing room than you’ve had in years.

Want more information about the opportunities unlocking in our local market?

Let’s chat.

Wondering what to expect from the housing market in 2026? You’re not the only one. For the past few years, affordability has been the biggest barrier standing between most people and their next move. And a lot of buyers and sellers have been holding their breath waiting for things to get better. The good news? It’s finally happening.

In 2025, affordability was the best it’s been in 3 years. And experts agree the momentum will keep going in 2026. And that’s based on their analysis of the key factors shaping the housing market in the year ahead: mortgage rates, inventory, and home prices.

Lower Mortgage Rates Are Already Here 

Mortgage rates have already come down from their peak. By some counts, they dropped by almost a full percentage point over the course of the last year. And that’s a big deal, even if it doesn’t sound like it. But how low will they go? And should you wait for them to come down more? Here’s your answer. 

Forecasts suggest they’ll stay pretty much where they are now and hover in the low 6% range throughout 2026 (see graph below):

Where they go from here really depends on what happens with the economy, the job market, and any changes in monetary policy the Fed makes in the year ahead. The important thing is, they’re already lower than they were just one year ago and that’s ideal if you’re planning a 2026 move.

• For buyers: A lower rate reduces monthly payments and increases buying power. And, that combo helps more people qualify for homes that previously felt just out of reach.
• For sellers: It may be time to accept that rates in the 6s are the new normal. And if you need to move, it’s doable, especially with your equity.

Even More Options Are on the Way

In 2025, the number of homes for sale improved by about 15%. As inventory rose, buyers regained things they hadn’t had in years: options, time to consider those options, and negotiating leverage. That helped restore more balance to the housing market.

Not to mention, the inventory gains are a big piece of what’s helped price growth slow down – which in turn improves affordability.

While the inventory gains this year aren’t expected to be as steep, experts at Realtor.com say the supply of homes for sale should grow by another 8.9% this year.

• For buyers: That means even more choice and more negotiating power.
• For sellers: Pricing your house right will be essential to draw in buyers.

Home Price Growth Is Slowing to a More Sustainable Pace

With more homes for sale, there isn’t as much upward pressure on prices right now. And we’ve seen that shake out over the past year. Even so, the overwhelming majority of experts say, nationally, prices will continue rising in the year ahead – just at a slower pace. On average, they say prices will rise by 1.6% in 2026 (see graph below):

And that's reassuring if you've been fed content on social media saying prices are going to come crashing down. But here’s what you need to remember most about this. It’s going to vary a lot by area.

So, lean on a local agent for the latest on what’s happening where you are. Some markets will see prices rise more than this. Others may see prices come down slightly. It really all depends on conditions in your local market

But overall, prices will continue to rise at the national level. And that’s good for the market as a whole. As Realtor.com explains:

“For homebuyers and sellers, the shift signals a more balanced market—one where price growth steadies, rate relief offers breathing room, and negotiating power tilts subtly toward buyers.”

• For buyers: Expect more moderate price growth, not the sudden and intense spikes just a few short years ago. That gives you fewer surprises and more predictability, which makes budgeting a whole lot easier.
• For sellers: This slower price growth restores balance without putting your equity at risk. And that’s a win. 

More Homes Will Sell 

All of this adds up to a better affordability equation in 2026. And that’s exactly why experts are saying we should see more homes sell (and more people buy) this year.

As Mischa Fisher, Chief Economist at Zillow, says:

“Buyers are benefiting from more inventory and improved affordability, while sellers are seeing price stability and more consistent demand. Each group should have a bit more breathing room in 2026.”

The bottom line is, more people are finally going to be able to make their move this year. So, the question is: will you be one of them? The market is giving you an opportunity you haven’t had in a while. Maybe it’s time to take advantage of it.

Wondering what to expect from the housing market in 2026? You’re not the only one.

Affordability won't change suddenly overnight. But, with several key trends working together, it should slowly and steadily improve in the months ahead.

That’s exactly why, in 2026, you should see a market with more balance, more predictability, and more breathing room than you’ve had in years.

Want more information about the opportunities unlocking in your local market? Connect with a real estate agent today.

If you want to have a conversation about the most important things you need to consider when buying a home, let’s connect.

If you’re trying to decide if you’re ready to become a homeowner in the next twelve months, there’s probably a lot on your mind. You’re thinking about your finances, today’s mortgage rates, home prices, the current state of the economy, and more. And, you’re juggling how all of those things will impact the choice you’ll make. It’s a lot.

But here’s what you need to remember. While housing market conditions are definitely a factor in your decision, your own personal situation and your finances matter too. As an article from NerdWallet says:

“Housing market trends give important context. But whether this is a good time to buy a house also depends on your financial situation, life goals and readiness to become a homeowner.”

So, instead of trying to time the market, focus on what you can control. Here are a few questions that can give you clarity on whether or not you’re ready to make your move.

1. Do you have a stable job?

Buying a home is a big commitment. You’re going to take out a home loan stating you’ll pay that loan back. Knowing you have a reliable job and a steady stream of income is important and will give you peace of mind for a purchase so large. 

2. Have you figured out what you can afford?

If you have a reliable paycheck coming in, the next thing to figure out is what you can afford. This depends on your budget, spending habits, debts, and more.

At this point, it helps to talk with a trusted lender. They’ll be able to tell you about the pre-approval process and what you’re qualified to borrow, current mortgage rates and your approximate monthly payment, closing costs, and other expenses you’ll want to budget for. That way, you have a good idea of what to expect. 

3. Do you have an emergency fund?

As you crunch your numbers, you'll want to make sure you have enough cash left over in case of emergency. Think about it. You don’t want to overextend on the house, and then not be able to weather a storm if one comes along. It’s not a fun topic, but it’s an important one. As CNET says:

“You’ll want to have a financial cushion that can cover several months of living expenses, including mortgage payments, in case of unforeseen circumstances, such as job loss or medical emergencies.”

4. How long do you plan to live there?

It was mentioned above, but buying a home comes with some upfront expenses. And while you’ll get that money back (and more) as you gain equity, that process takes some time. If you plan to move again soon, you may not recoup your full investment.

So, how long should you stay put in an ideal world? Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), explains:

“Five years is a good, comfortable mark. If the price of your home appreciates considerably, then even three years would be fine.”

So, think about your future. If you’re going to live there for a while, it may make sense to go for it. But, if you’re looking to sell and move within a year or two because you’re planning to transfer to a new city with that promotion you’ve been working so hard for, or you anticipate you'll need to move to take care of family, those are things to factor in. 

5. Do you have a team of real estate professionals in place?

If you do, great. But if you don’t, finding a trusted local agent and a lender is a good first step. Having the right team can make figuring out everything else easier. The pros can talk you through your options and help you decide if you’re ready to make your move, or if you have a few more things to get in order first.

If you’re trying to decide if you’re ready to become a homeowner in the next twelve months, there’s probably a lot on your mind.

If you want to have a conversation about all the things you need to consider to determine if you’re ready to buy, connect with a local real estate professional.

If you haven’t had someone help you understand the value of your home this year, now’s the perfect time to take another look. It doesn’t mean you have to sell. But it does mean you’ll at least know what you could be working with – and how far that number can take you.

If you want a custom professional equity assessment, let’s connect.

A lot of people are asking the same thing right now: “Is it even a good time to sell?” And the truth may come as a bit of a surprise...

For many homeowners, the answer is a strong yes.

Why? Because of one major factor working in your favor: your equity. Odds are, if you’ve lived in your home for a while, you know you have significant equity. But how much are we really talking about? The number might just change everything about your next move.

The Hidden Wealth of Homeownership

Here’s how it works. When you own a home, you build up something called equity.

Each time you make a mortgage payment, you’re chipping away at your loan balance. And that helps your ownership stake in your home grow. At the same time, home values typically rise – which drives up the overall value of your home.

When you put those two things together, you’re building wealth automatically, month after month, year after year.

And that combo can add up to real dollars that can make a real difference in your move. That’s especially true if you’ve lived in your house for a while, which many homeowners have. According to Realtor.com:

“Nearly half (45.2%) of today’s homeowners have lived in their home for more than 15 years, and 1 in 4 for over 25 years.”

If that’s you, just imagine what 15-25 years of payments + steady appreciation have done to your bottom line. It's time you see how your equity stacks up over time.

What That Really Means in Dollars

This chart uses research coming out of Realtor.com to show an estimate of how much equity homeowners have built up depending on when they bought. For each time frame, it takes the median-priced home and uses it as the baseline example. The numbers are shocking, too. According to the study, if you bought the average-priced home in...

• The mid-90s? You could be sitting on over $400,000 in equity now.
• The early 2000s? You could have over $330,000, even with owning during the housing crash.
• In 2015? Even in that shorter 10-year time frame, many homeowners have already built nearly $285,000 in equity.

Of course, your actual number is going to vary based on the purchase price, any work you've done to the house, the size of your original down payment, and more. The point is...

A lot of homeowners are sitting on hundreds of thousands of dollars in equity without even realizing it.

Your Equity Could Power Your Next Move

Here’s where this becomes really important. That equity can offset nearly every concern you have about moving right now.

• Worried about taking on a higher mortgage rate? Your equity could cover a significant down payment. And the more money you put down, the less you need to finance at today’s rates.
• Unsure if you can compete in today’s market? Thanks to your equity, you may be able to buy your next house in cash. And an all-cash offer is something that's going to appeal to a lot of sellers because they don’t have to worry about their buyer’s financing falling through at the last second.

A lot of people are asking the same thing right now: “Is it even a good time to sell?” And the truth may come as a bit of a surprise...

If you haven’t had someone help you understand the value of your home this year, now’s the perfect time to take another look. It doesn’t mean you have to sell. But it does mean you’ll at least know what you could be working with – and how far that number can take you.

If you want a custom professional equity assessment, talk to a local agent.

Renting may feel less expensive today, but owning is what builds real wealth over time. And with affordability starting to improve, the path to homeownership may be opening up more than you think.

If you’re curious what buying could look like for you, let’s connect. We can figure out your next move, pressure-free.

Renting can feel much less expensive and much simpler than buying a home, especially right now. No repairs, no property taxes, no worrying about mortgage rates – you just pay the bill and move on with your life.

But here’s the part people don’t talk about enough: renting doesn’t help you build your financial future. Meanwhile, homeowners grow their net worth just by owning a home.

So, if you’ve been wondering whether buying is still worth it, the long-term math is clearer than you might think.

Renting vs. Owning: How the Costs Really Compare

Let’s break down one of the key differences between renting and buying. When you rent, your payment goes to your landlord, and then it’s gone. When you own, part of your payment comes back to you in the form of equity (the wealth you build as the value of your home increases, and you pay down your home loan).

So, while renting may seem more affordable now, you have to remember it comes at a long-term cost: you’re not building your wealth. And it turns out, that’s a bigger miss than you may expect.

First American recently analyzed the long-term financial impact of renting versus owning a home. They compared mortgage payments, property tax, insurance, repairs, and maintenance against the equity gained through home price appreciation and paying down the mortgage. And they did that during several different time frames to see if it tells a consistent story:

• 2006: the start of the housing bubble
• 2015: 10 years ago
• 2019: just before the pandemic (the last normal years in the market)
• 2022: when mortgage rates jumped

In each time frame, two things were true: renters ended up losing money over time. And homeowners gained it.

Here’s some data so you can see this play out. Each color represents one of the key time frames. The solid lines show the buyer’s investment over time and how their net worth actually grew the longer they lived in their home. The dashed line represents the renter’s investment. In the end, they sank more and more cash into renting without gaining any financial benefit.

The takeaway is simple: time in a home builds wealth. Time renting doesn’t.

Basically, homeowners come out ahead. And the analysis shows that’s even after you factor in the other expenses that come with homeownership, like insurance, repairs, and property taxes. And that's the case for every time frame First American looked into.

On the flip side, renters spent money on their rent, but didn’t gain any long-term financial benefit. That’s true no matter what window of time you look at in the study.

Now, that doesn’t mean buying always beats renting in the short term. But the longer you own, the wider the wealth gap becomes.

Affordability Is Starting To Improve

You might still be thinking, “Okay, but buying feels out of reach for me right now.” Fair.

The past few years haven’t been easy for buyers. But things are starting to shift. Mortgage rates have come down this year, home prices are softening, and incomes have been rising. And according to Zillow, typical monthly payments have gotten a little easier compared to this time last year. Not by a lot, but enough to make a difference.

No, buying isn’t suddenly easy. But it is easier than it was just a few months ago. And in the long run, history shows it’s worth it. 

Renting can feel much less expensive and much simpler than buying a home, especially right now.

Renting may feel less expensive today, but owning is what builds real wealth over time. And with affordability starting to improve, the path to homeownership may be opening up more than you think.

If you’re curious what buying could look like for you, connect with a local real estate who can help you plan your next move, pressure-free.

If you’re a Veteran, a VA home loan is one of the most valuable benefits you’ve earned through your service. It offers options for no down payment, limited closing costs, and more.

Want to learn more? Talk to a lender so you can take full advantage of the benefits you’ve earned.

If you’ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without having a down payment.

Unfortunately, 70% of Veterans (that's 7 out of every 10) don’t know about this benefit, according to Veterans United.

And that’s a big missed opportunity for those who’ve earned this benefit through service. So, let’s break down what you really need to know about Veterans Affairs (VA) home loans right now.

Why VA Home Loans Can Be a Great Option

For nearly 80 years, VA loans have made homeownership possible for millions of Veterans and active-duty service members. Here are just a few of the top perks according to the Department of Veteran Affairs:

• Options for $0 Down Payment: Many Veterans can buy a home without spending years saving up.
• Fewer Upfront Costs: The VA limits which types of closing costs Veterans have to pay, helping you keep more cash on hand when you’re finalizing your purchase.
• No Private Mortgage Insurance (PMI): Unlike many other loan types, VA loans don’t require PMI, lowering your monthly costs.

These features make VA loans a great way for service members (or their family) to build stability, save money, and start creating long-term wealth through homeownership.

Why the Right Agent and Lender Matter

Just remember, using your VA home loan is easier (and smoother) when you have the right team behind you. As VA News puts it:

“Choosing a military-friendly broker or agent who understands the VA home loan application process can make all the difference in the homebuying experience. Finding the right agency or brokerage is just as important as locking in a good VA mortgage lender. Communication is key to getting to the loan closing table.”

A knowledgeable agent and an experienced lender can help you navigate every step, all the way from qualifying to closing. With their help, you can make sure you’re getting the most out of your benefits.

If you’ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there.

If you’re a Veteran, a VA home loan is one of the most valuable benefits you’ve earned through your service. It offers options for no down payment, limited closing costs, and more.

Want to learn more? Talk to a lender so you can take full advantage of the benefits you’ve earned.

Want to know what’s happening in our area? Let’s have a conversation so you can get a custom overview of what’s available right now and learn how to be ready when the timing is right for you.

Because this isn’t 2021.

This isn’t even 2023 or 2024.

This is a new market – and you might be surprised by what you find.

If you stepped back from your home search over the past few years, you’re not alone – and you’re definitely not out of options. In fact, now might be the ideal time to take another look. With more homes to choose from, prices leveling off in many areas, and mortgage rates easing, today’s market is offering something you haven’t had in a while: options.

Experts agree, buyers are in a better spot right now than they’ve been in quite a long time. Here’s what they have to say.

Affordability Is Finally Improving 

Lisa Sturtevant, Chief Economist at Bright MLS, says affordability is finally starting to turn the corner:

“Slower price growth coupled with a slight drop in mortgage rates will improve affordability and create a window for some buyers to get into the market.”

Mortgage rates have eased from their recent highs, price growth has slowed, and that one-two combo is making homes more affordable than they’ve been in months.

There Are More Homes on The Market

And a big reason prices are easing is because there are more homes on the market. According to the latest from Realtor.com, there are 17% more homes for sale today than there were at this time last year. That means more options, less competition with other buyers, and a chance to find the space that actually works for you.

Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), shares:

“Homebuyers are in the best position in more than five years to find the right home and negotiate for a better price. Current inventory is at its highest since May 2020, during the COVID lockdown.” 

Take a look at the numbers.

As Yun notes, inventory is up everywhere. Compared to this time last year, every region of the country has more homes on the market than at this time last year (see graph below):

That translates to more homes to choose from, whether you’re looking for a bigger backyard, a shorter commute, or finally ditching your rental.

But not all markets are the same…

When you compare current inventory growth to pre-pandemic norms (2017–2019), the picture changes a bit, depending on where you are (see graph below):

The green bars show where inventory has fully recovered (and even grown above pre-pandemic levels) in the South and the West. Supply, however, is still tighter in the Northeast and Midwest, as shown in the red bars, where inventory is still below normal.

And here’s why that’s still a win everywhere.

When you step back and look at the bigger picture, with inventory up in every region, that means more choices everywhere, even if some areas have more homes for sale than others.

And with fewer buyers in the market and more homes for sale, sellers are willing to negotiate to get a deal done.

All of that adds up to a win for today’s buyers.

And it’s also why working with a local expert really makes a difference. What’s happening in your zip code or neighborhood might look different than the national or regional trend. But the overall takeaway is clear: with more homes on the market, buyers have more leverage than they did a year or more ago.

So, if you stepped away from your search because things felt too competitive, too pricey, you were worried about finding a home, or it was all just too much to process, this could be your moment to take another look.

And if you’re not quite ready to go all in, that’s okay too. You can start by planning ahead. That means working with a trusted agent who can help you break down your budget, narrow your search, and make sure you're prepped and ready when the right home hits the market.

If you stepped back from your home search over the past few years, you’re not alone – and you’re definitely not out of options. In fact, now might be the ideal time to take another look. 

Want to know what’s happening in your local market? Reach out to a trusted real estate agent and ask for a custom overview of what’s available right now, so you can learn how to be ready when the timing is right for you.

Because this isn’t 2021.

This isn’t even 2023 or 2024.

This is a new market – and you might be surprised by what you find.

If your plan is to sell in 2026, it's time to get serious. Taking some time to prep means you’ll hit the market confident, ready, and ahead of other sellers who waited until January to get started.

Want to know which projects are getting the biggest return on their investment in our market? Let’s connect so you can head into next spring with a solid game plan.

You’ve got big plans for 2026. But what you do this year could be the difference between a smooth sale and a stressful one. If you’re thinking of selling next spring (the busiest season in real estate), the smartest move you can make is to start prepping now. As Realtor.com says:

“If you’re aiming to sell in 2026, now is the time to start preparing, especially if you want to maximize the spring market’s higher buyer activity.” 

Because the reality is, from small repairs to touch-ups and decluttering, the earlier you start, the easier it’ll be when you’re ready to list. And, the better your house will look when it’s time for it to hit the market.

Why Starting Now Matters

Talk to any good agent and they’ll tell you that you can’t afford to skip repairs in today’s market. There are more homes for sale right now than there have been in years. And since buyers have more to choose from, your house is going to need to look its best to stand out and get the attention it deserves.

Now, that doesn’t mean you have to do a full-on renovation. But it does mean you’ll want to tackle some projects before you sell. Your house will sell if it’s prepped right. And you don’t want to be left scrambling in the spring to get the work done.

Because here’s the advantage you have now. If you start this year, you’ll be able to space those upgrades and fixes out however you want to. More time. Less stress. No sense of being rushed or racing the clock.

Whether it’s fixing that leaky faucet, repainting your front door, or finally replacing your roof, you can do it right if you start now. And you have the time to find great contractors without blowing your budget or paying extra for rushed jobs.

Get an Agent’s Advice Early

To figure out what’s worth doing and what’s not in your market, you need to talk to a local agent early. That way you’re not wasting your time or money on something that won’t help your bottom line. As Realtor.com explains:

“Respondents overwhelmingly agree that both buyers and sellers enjoy a smoother, more successful experience when they start early. In fact, a recent survey reveals that, for sellers, bringing a real estate agent into the process sooner can pay off significantly.”

A skilled agent can tell you:

• What buyers in your local area are looking for
• The repairs or updates you need to do before you list
• How to prioritize the projects, if you can’t do them all
• Skilled local contractors who can help you get the work done

And having that information up front is a game changer.

To give you a rough idea of what may come up in that conversation, here are the most common updates agents are recommending today, according to research from the National Association of Realtors (NAR):

Just remember, what’s worth updating really depends on the homes you’re competing with in your market. Some areas don’t have a ton of inventory, so little updates may be all you need to tackle. In other areas, there are far more homes for sale, so you may need to do a bit more to make your house stand out.

Your agent will walk you through what you need to do for your specific house and market. And that’s expertise that’ll really pay off. 

You’ve got big plans for 2026. But what you do this year could be the difference between a smooth sale and a stressful one. 

If 2026 is your year to sell, the work starts now. Taking some time to prep means you’ll hit the market confident, ready, and ahead of other sellers who waited until January to get started.

Want to know which projects are getting the biggest return on their investment in your market? Connect with a local agent so you can head into next spring with a solid game plan.

After a quieter couple of years, 2026 is expected to bring more movement – and more opportunity. With sales projected to rise, mortgage rates trending lower, and price growth slowing down, the stage is set for a healthier, more active market.

So, the big question: will you be one of the movers making 2026 your year?

Let’s connect if you want to get ready.

After a couple of years where the housing market felt stuck in neutral, 2026 may be the year things shift back into gear. Expert forecasts show more people are expected to move – and that could open the door for you to do the same.

More Homes Will Sell

With all of the affordability challenges at play over the past few years, many would-be movers pressed pause. But that pause button isn’t going to last forever. There are always people who need to move. And experts think more of them will start to act in 2026 (see graph below):

What’s behind the change? Two key factors: mortgage rates and home prices. Let’s dive into the latest expert forecasts for both, so you can see why more people are expected to move next year.

Mortgage Rates Could Continue To Ease

The #1 thing just about every buyer has been looking for is lower mortgage rates. And after peaking near 7% earlier this year, rates have started to ease.

The latest forecasts show that could continue throughout 2026, but it won’t be a straight line down (see graph below):

There’s a saying: when rates go up, they take the escalator. But when they come down, they take the stairs. And that’s an important thing to remember. It’ll be a slow and bumpy process.

Expect modest improvement in mortgage rates over the next year but be ready for some volatility. There will be volatility along the way as new economic data comes out. Just don't let it distract you from the bigger picture: the overall trend will be a slight decline. Forecasts say we could hit the low 6s, or maybe even the high 5s.

And remember, there doesn't have to be a big drop for you to feel a change. Even a smaller dip helps your bottom line.

If you compare where rates are now to when they were at 7% earlier this year, you’re already saving hundreds on your future mortgage payment. And that’s a really good thing. It’s enough to make a real difference in affordability for some buyers.

Home Price Growth Will Be Moderate

What about prices? On a national scale, forecasts say they’re still going to rise, just not by a lot. With rates down from their peak earlier this year, more buyers will re-enter the market. And that increased demand will keep some upward pressure on prices nationally – and prevent prices from tumbling down.

So, even though some markets are already seeing slight price declines, you can rest easy that a big crash just isn’t in the cards. Thanks to how much prices rose over the last 5 years, even the markets seeing declines right now are still up compared to just a few years ago.

Of course, price trends will depend on where you are and what’s happening in your local market. Inventory is a big driver in why some places are going to see varying levels of appreciation going forward. But experts agree we’ll see prices grow at the national level (see graph below): 

This is yet another good sign for buyers and overall affordability. While prices will still go up nationally, it’ll be at a much more sustainable pace. And that predictability makes it easier to plan your budget. It also gives you peace of mind that prices won’t suddenly skyrocket overnight.

After a couple of years where the housing market felt stuck in neutral, 2026 may be the year things shift back into gear.

After a quieter couple of years, 2026 is expected to bring more movement – and more opportunity. With sales projected to rise, mortgage rates trending lower, and price growth slowing down, the stage is set for a healthier, more active market.

So, the big question: will you be one of the movers making 2026 your year?

Connect with an agent if you want to get ready.