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    Negotiate a Buydown to Get into a Home Now

    By Tim Beary | January 31, 2023

    If you are a prospective homebuyer, things have changed in the past year.  Most notably, mortgage rates have more than doubled which has created an affordability gap that has taken approximately 15 million buyers out of the market. Inventories are growing but it isn’t because more people are deciding to sell their homes; it is because... Read More

    Why It Makes Sense To Move Before Spring

    By Tim Beary | January 27, 2023

    Spring is usually the busiest season in the housing market. Many buyers wait until then to make their move, believing it’s the best time to find a home. However, that isn’t always the case when you factor in the competition you could face with other buyers at that time of year. If you’re ready to... Read More

    If you’re on the sidelines, at least get ready…

    By Tim Beary | January 24, 2023

    If you’re on the sidelines to buy a home, there are things you can do to be ready when you do get back in the game. Improve your credit score to qualify for the best mortgage rate available which are reserved for those with the highest scores.  Get a copy of your current credit reports from... Read More

    2023 Resolutions for Homeowners

    By Tim Beary | January 21, 2023

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    Negotiating Your Position

    By Tim Beary | January 17, 2023

    The seller wants the most for their home and the buyer wants to pay the least possible.  From the very beginning of the homebuying process, there are adversarial positions between the principals.  If you happen to be in a multi-offer situation, it just complicates things further. Then, there are the emotions that tend to cloud the decision... Read More

    What Experts Are Saying About the 2023 Housing Market

    By Tim Beary | January 13, 2023

    If you’re thinking about buying or selling a home soon, you probably want to know what you can expect from the housing market this year. In 2022, the market underwent a major shift as economic uncertainty and higher mortgage rates reduced buyer demand, slowed the pace of home sales, and moderated home prices. But what about 2023? An article from HousingWire offers this... Read More

    Today’s Housing Market Is Nothing Like 15 Years Ago

    By Tim Beary | January 13, 2023

    There’s no doubt today’s housing market is very different than the frenzied one from the past couple of years. In the second half of 2022, there was a dramatic shift in real estate, and it caused many people to make comparisons to the 2008 housing crisis. While there may be a few similarities, when looking at key... Read More

    Turn Back Time

    By Tim Beary | January 12, 2023

    As the expression goes, “if I could turn back time”, maybe you’d would do some things differently.  If you’re wanting to buy a home, the regret may come from not getting a mortgage when rates were half of what they are today.  There may not be a way to literally “turn back time” but you... Read More

    Buy Now, Refinance Later

    By Tim Beary | January 3, 2023

    The dilemma facing would-be buyers today is to wait until things settle down or move ahead in this unsettling economic environment.  More specifically, the question should be, what are you waiting to settle down: mortgage rates, or prices or both? Mortgage rates haven’t been this high since 2002, so it could be considered plausible that the... Read More

    Does high inflation discourage your from buying a home?

    By Tim Beary | December 28, 2022

    Inflation devalues the purchasing power of money and the interest earned on savings is almost always less than inflation.  Tangible assets like your home consistently become more valuable over time.  In inflationary periods, a home is a good investment and a hedge against inflation. Borrowing money at fixed rates during times of inflation can be very advantageous…like... Read More