You’ll find our blog to be a wealth of information, covering everything from local market statistics and home values to community happenings. That’s because we care about the community and want to help you find your place in it. Please reach out if you have any questions at all. We’d love to talk with you!
Your life changes all the time–so shouldn’t you expect your home to change, too?
Your home should support you and your family through every stage of your life. If your home isn’t quite meeting that requirement, it’s time to change!
Maybe that means that you need to renovate your kitchen and living space to make family time even easier.
Maybe it’s time to downsize into something cozier for empty nesters.
Or maybe your family has outgrown your space and it’s time for an addition or a new home entirely!
Whatever your life has evolved into, let’s make sure your home evolves with you.
I’m happy to help you get into a home that will fit your lifestyle now and in the future. Just send me a DM and let’s talk about what you need your home to do for you!
It’s real estate emoji time! What’s your homeowner relationship status?
Are you committed (aka already own a home)?
Or is the situation a little complicated and you can’t quite decide if you’re ready to buy?
Let me know what your status is by dropping an emoji in the comments!
Anyone can find you a house to put a roof over your head.
But I’m dedicated to finding you a home.
To me, a home is a place that perfectly fits your lifestyle and makes living your best life easy! A home is where you feel like yourself, are able to live your life, and can make it 100% your own.
Your happiness in your new home is my main priority as your agent. That means that I’m here to find you a home–not sell you a house.
Whether you’re a first-time buyer looking to find a home for this new phase of your life or you’re currently someone who owns a house but is wanting a home, I can help you through the real estate process.
Ready to get started finding your home? Send me a DM and let’s get started!
Have a burning question about the real estate market? Then drop it in the comments and I’ll answer it!
Maybe you’re wondering if it’s still a good time to sell–and if it is a good time to sell, you’ll want to know how to get the most profit for your home.
Or maybe you’ve been watching the market close and want to know if now is finally a good time to buy.
Maybe you have questions about our local real estate market and what’s happening in specific zip codes.
Whatever you want to know about the market, I have the data and knowledge to give you the answers you need.
So drop your questions in the comments and let’s get them answered!
If you're thinking about selling your house but wondering if buyers are still out there, know that there are still people who are searching for a home to buy today. And your house may be exactly what they're looking for.
While the millennial generation has been dubbed the renter generation, that namesake may not be appropriate anymore. Millennials, the largest generation, are actually a significant driving force for buyer demand in the housing market today. Here's why.
While there's no denying higher mortgage rates are making it more challenging to afford a home today, many millennials are still eager and able to buy homes – whether it's their first or they're moving up. That's in large part because of the value they place on education.
A recent article from First American says millennials may be the most educated generation in our nation's history. Because of that, they tend to earn higher wages, and that translates to greater homebuying power. Odeta Kushi, Deputy Chief Economist at First American, explains:
In 2020, millennials with a bachelor's degree had a median household income of over $100,000, while those with at least a graduate degree had a median household income of over $120,000. Compare those income levels with the median household income of millennials with just a high school degree (or some college) of $60,000 and the earning power benefits of higher education are undeniable. . . . Millennials' pursuit of higher education is good news for the housing market. . . because education is the key to unlock both greater earning power and, in turn, homeownership.
And since wages are one of the key things that factor into affordability when it comes to buying a home, these higher earnings can help millennials achieve their homeownership goals.
A number of studies have looked into how the millennial generation views homeownership and how they're uniquely positioned to define the housing market moving forward. As the largest generation, the volume of potential millennial homebuyers will have an impact on the market for years to come. As an article in Forbes explains:
At about 80 million strong, millennials currently make up the largest share of homebuyers (43%) in the U.S., according to a recent National Association of Realtors (NAR) report. Simply due to their numbers and eagerness to become homeowners, this cohort is quite literally shaping the next frontier of the homebuying process. Once known as the ‘rent generation,' millennials have proven to be savvy buyers who are quite nimble in their quest to own real estate. In fact, I don't think it's a stretch to say they are the key to the overall health and stability of the current housing industry.
If you're thinking of selling your house but are hesitant because you're worried that buyer demand has disappeared in the face of higher mortgage rates, know that isn't the case for everyone. While demand has eased this year, millennials are still looking for homes. As Mark Fleming, Chief Economist at First American, says in an article:
“While not the frenzy of 2021, the largest living generation, the Millennials, will continue to age into their prime home-buying years, creating a demographic tailwind for the housing market.
Millennials are interested in and well-positioned to achieve their homeownership dreams. If you're ready to sell your house, know that it may be just what they're looking for.
Friendly reminder: you’re the one living your life.
This is both good news and bad news. It’s bad news because no one else can do it for you.
But it’s also great news because you get to make your life exactly what you want it to be!
So if you want to
-renovate your kitchen
-or buy your first home
I know that you can do it. You can get to where you want and need to be in your life.
Consider this your nudge to follow your dreams.
What’s one thing you can do to get closer to your dreams today? Let me know in the comments for accountability!
If you’ve been hearing about the rising interest rates and are wondering if now is still a good time to buy, stick around for this video.
First things first: don’t let high interest rates keep you from your dreams. If your dream is to become a homebuyer, then let’s make that happen!
Interest rates are important in real estate, but they’re far from the end-all be-all that they’re often made out to be.
Let’s put interest rates in perspective. The interest rate you get today will be higher by a percentage point or two compared to this time last year. But today’s interest rates are still very low compared to interest rates in the 1970s to the 1990s, so you can get an interest rate lower than your parents did!
You can also refinance your mortgage down the road. If you’re not happy with your interest rate and interest rates are lower at some point in your mortgage term, you can refinance to take advantage of the new, lower interest rates. This is a great option for many buyers because it means that they don’t have to worry about being locked into an interest rate forever with refinancing.
With all of this in mind, it’s still a good time to buy–even though interest rates are rising. What buyers can do is make sure that they get the lowest interest rate possible. You can do this in a few ways.
First, make sure your credit score is happy and healthy. This means paying your bills on time, not carrying over balances on your credit cards, and regularly paying down debt. Check your credit score regularly to ensure that there aren't any errors, and if there are, get them corrected ASAP. When your credit score is high, you’re more likely to qualify for a lower interest rate because you’re not as much of a risk to lenders.
You’ll also want to work on lowering your debt-to-income ratio. The higher your debt-to-income ratio, the higher your interest rate will be. Your debt-to-income ratio is exactly what it sounds like: how much debt you pay monthly compared to your monthly income. If your ratio is high–aka you pay a high amount in debt payments each month, then the more of a risk you pose to a lender. Paying down debt will not only lower your ratio, but it will help your credit score as well.
If it’s your dream to become a homeowner, don’t let the interest rates get you down. Instead, focus on getting the best interest rate possible by boosting your credit score and lowering your down payment. Plus, keep in mind that you can always refinance in the future for a lower rate!
Have any questions about interest rates and getting approved for a mortgage? Send me a DM and I’ll put you in touch with some amazing, knowledgeable lenders!
Which home loan type is right for you? When it comes to mortgages, it can be easy to get overwhelmed with all the different options and requirements. Here’s a handy cheat sheet for you! Make sure to save it for later so you’ll have it when you need it. These 4 home loans are the ones that you’ll probably consider, so let’s break them down! VA: If you or your spouse is a veteran, this can be a great option with a low down payment and competitive interest rates. FHA: First-time buyers, check this one out! The FHA loan has lower credit requirements and a low down payment, which can make getting into a home easier than you ever imagined. USDA: If you’re buying in a rural area, this is a great option with a low down payment and flexible qualifying parameters. Conventional: This is the 30-year mortgage that your parents probably have. It’s the most popular choice, and if you don’t qualify for the other loan types, you’ll probably end up with this loan. If you’re ready to learn more about mortgages, let me connect you with an amazing lender who can help you make the right choice for your financial future. Just send me a DM and I’ll get you their contact info.
Reminder: buying or selling a home isn’t a done deal when the purchase contract is signed and the closing process begins. Yes, even though the real estate contract is a binding agreement, it can be terminated. Until both the buyer and the seller have signed off that final piece of paper on closing day, the deal is up in the air. Swipe to see 5 reasons why purchase agreements can be terminated! Note that a lot of these reasons have to do with the contingencies baked into the purchase agreement–and those contingencies can always be negotiated. Your agent will help you ensure that the proper contingencies are in place during the negotiation process so that you don’t get stuck in a bad situation for both the buyer and the seller. Have questions about real estate contracts or contingencies? Send me a DM, and I’ll get you the info you need!
While the Federal Reserve is working hard to bring down inflation, the latest data shows the inflation rate is still high, remaining around 8%. This news impacted the stock market and added fuel to the fire for conversations about a recession.
You're likely feeling the impact in your day-to-day life as you watch the cost of goods and services climb. The pinch it's creating on your wallet and the looming economic uncertainty may leave you wondering: should I still buy a home right now? If that question is top of mind for you, here's what you need to know.
In an inflationary economy, prices rise across the board. Historically, homeownership is a great hedge against those rising costs because you can lock in what's likely your largest monthly payment (your mortgage) for the duration of your loan. That helps stabilize some of your monthly expenses. James Royal, Senior Wealth Management Reporter at Bankrate, explains:
A fixed-rate mortgage allows you to maintain the biggest portion of housing expenses at the same payment. Sure, property taxes will rise and other expenses may creep up, but your monthly housing payment remains the same.
And with rents being as high as they are, the ability to stabilize your monthly payments and protect yourself from future rent hikes may be even more important. Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), explains what happened to rents in the latest inflation report:
Inflation refuses to budge. In September, consumer prices rose by 8.2%. Rents rose by 7.2%, the highest pace in 40 years.
When you rent, your monthly payment is determined by your lease, which typically renews on an annual basis. With inflation high, your landlord may be more likely to increase your payments to offset the impact of inflation. That may be part of the reason why a survey from realtor.com shows 72% of landlords said they plan to raise the rent on one or more of their properties in the next year.
Becoming a homeowner, if you're ready and able to do so, can provide lasting stability and a reliable shelter in times of economic uncertainty.
The best hedge against inflation is a fixed housing cost. If you're ready to learn more and start your journey to homeownership, let's connect.
As you set out to buy a home, saving for a down payment is likely top of mind. But you may still have questions about the process, including how much to save and where to start.
If that sounds like you, your down payment could be more in reach than you originally thought. Here's why.
If you believe you have to put 20% down on a home, you may have based your goal on a common misconception. Freddie Mac explains:
. . . nearly a third of prospective homebuyers think they need a down payment of 20% or more to buy a home. This myth remains one of the largest perceived barriers to achieving homeownership.
Unless it's specified by your loan type or lender, it's typically not required to put 20% down. According to the latest Profile of Home Buyers and Sellers from the National Association of Realtors (NAR), the median down payment hasn't been over 20% since 2005. There are even loan types, like FHA loans, with down payments as low as 3.5%, as well as options like VA loans and USDA loans with no down payment requirements for qualified applicants.
This is good news for you because it means you could be closer to your homebuying dream than you realize. For more information, turn to a trusted lender.
A professional will be able to show you other options that could help you get closer to your down payment goal. According to the latest Homeownership Program Index from downpaymentresource.com, there are over 2,000 homebuyer assistance programs in the U.S., and the majority are intended to help with down payments.
A recent article explains why programs like these are helpful:
These resources can immediately build your home buying power and help you take action sooner than you thought possible.
It is a common misconception that homebuyer assistance is only available to first-time homebuyers, however, 38% of homebuyer assistance programs in Q1 2022 did not have a first-time homebuyer requirement.
There are also location and profession-based programs you could qualify for as well.
Saving for your down payment is an important first step on your homebuying journey. Let's connect today and make sure you have a trusted lender to help explore your options.
If you need a little inspiration today, this post is for you!
You are the architect of your life, and that means that you can design the life you’ve always wanted and you can build the future you’ve been dreaming of!
Whatever your dreams are, you can make them happen.
If one of your big dreams is to own a home, I have a guide that can help you make that dream into reality.
My Buyer Guide will walk you through everything you need to know when it comes to buying a home. You’ll find out exactly what you need to do to get prepped to buy, how to find the perfect home for you, and everything in between.
If you want to grow your wealth and set yourself up for financial success in the future, then you’ll want to listen to this!
Today, we’re talking all about real estate investing–and why you might want to invest in real estate yourself.
So first off, you might have some preconceived notions about real estate. You may think that it’s difficult to get into real estate investing or that it’s only for the super-wealthy who already own 2 homes plus.
I’m happy to say that those ideas are false. Real estate investing has tons of benefits that make it a smart investment option for someone looking to grow their wealth. Let’s go over a few of those benefits now.
The first benefit of real estate investing is that you can earn passive income. Passive income is income that you don’t really have to work for, it just comes into your wallet without having to do any “active” work. When you invest in a rental property, you can get a nice paycheck every month with very little input from you!
Next, investing in real estate diversifies your investment portfolio. By having several kinds of assets like stocks, a 401k, and real estate for example, your wealth will be better protected in the case of an economic downturn. Take right now: although the stock market has taken a steep dive over the past couple of years, real estate has appreciated greatly, which balances out those declines.
Additionally, your real estate assets will appreciate over time. This means that they will increase in value and increase your return on investment. When you go to sell your home or your real estate investment, the chances are very good that you’ll make a pretty penny in profit. This is what makes real estate such a great investment!
Finally, investing in real estate comes with tax benefits. You can write off expenses associated with the property, depreciate the asset over time, and take advantage of the capital gains tax
deference. Your real estate agent will be able to guide you through the best tax benefits for your situation.
As I always say, there’s a reason the millionaires out there start out investing in real estate. It’s a great investment with relatively low risk and high returns, which makes it great for beginners and experienced investors alike!
Like any investment though, it’s always a good idea to go into it with a strategic mindset and with an open mind. Plus, it’s always helpful to have an expert on your side to walk you through the ins and outs of investing in real estate–that’s where a real estate agent can come in!
If you have any questions about real estate investments and whether they’re right for you, then just send me a DM and I’ll get you the info you need!