Ryan Realty Bend

A lot of buyers are waiting because they think mortgage rates will drop dramatically.

The problem? That's not what today's forecasts say is going to happen.

Experts believe mortgage rates will actually stay in the mid to low 6s through 2027 due to a number of factors – including inflation.

What’s that tell me? Waiting may not pay off the way you hope it will.

So, if moving is important to you, I want you to know waiting isn’t your only option.

Builder incentives, adjustable-rate mortgages, assumable mortgages, and rate buydowns are just a few of the strategies worth exploring that could help with affordability right now.

I’m not saying you have to buy today, but you should at least know your options. Let's talk about what could work for you.

Buying a Home? Here's What You Should Know About Home Insurance Costs.

Homeowners insurance has become a bigger part of the homebuying conversation. But it doesn't have to become a bigger source of stress.

The key is knowing what to expect before you buy. Get an insurance quote early, factor it into your budget, and lean on trusted local professionals to help you make the most informed decision possible.

Buying a Home? Here's What You Should Know About Home Insurance Costs. If buying a home is on your radar, you've probably been keeping an eye on mortgage rates and home prices. But don’t forget about homeowners insurance.

71% of homeowners say their insurance costs have gone up over the past few years.

And if you're buying a home, that's worth knowing – but it shouldn't scare you away from your plans.

Yes, affordability is still tight. But you can't control every cost that comes with buying a home. You can only control how prepared you are.

And in a market like this, one of the smartest things you can do is get an insurance quote before you make an offer. It'll give you a clearer picture of what your monthly housing costs will look like, help you build a more realistic budget, and keep you from being surprised after closing.

Buying a home is a big decision. The more you know before you buy, the more confident you'll feel when it's time to make your move.

Want more advice or have a question? DM me.

Did home prices just hit a turning point?

Even though all the headlines out there make it sound like prices are crashing, here’s what the data really says.

Yes, price growth cooled from around 7% in mid-2024 to closer to 3% today. But that’s not a crash. It’s just a slowdown.

And if you look at the right side of this graph, it seems like price growth may have hit its low point and started to turn.

Now, two months of data doesn’t necessarily make a trend. But a few things back this up.

Compared to earlier this year, fewer markets are seeing price declines right now. And, forecasts call for price growth to pick up a bit before end of year.

Whether you’re buying or selling, I want you to have breaking info like this as soon as I have it – especially when it looks like something is changing.

DM me...

Selling a Luxury House? Here’s Why Now Is a Good Time

Selling a high-end house is a big decision, and you deserve to feel confident going in. With sale prices climbing and buyers active at the top, this is a strong window to make your move.
Ready to cash in? Let’s talk strategy.

Selling a Luxury House? Here’s Why Now Is a Good Time If you own a luxury house, you're in a stronger spot than most sellers right now. While much of the market has cooled, the high-end tier hasn't.

For most people, their first house was never meant to be their forever home. It was meant to be a stepping stone to whatever came next.
And today's market is creating an interesting opportunity for homeowners who are ready to move up.
Starter homes are still in short supply, which means the house you're selling may be exactly what another buyer has been hoping to find.
At the same time, there are more move-up homes on the market than buyers have had to choose from in years.
Throw in the equity you've likely built over the years, and moving up may be more realistic than you think.
If your current home no longer fits your life, let's talk about what your next chapter could look like.

The House That Started It All Could Kickstart What's Next

Your first home was never meant to be your forever home. It was meant to help you build a life and build the financial foundation for whatever came next.
If your current home no longer fits the life you're living today, let’s connect. You may be closer to your next chapter than you realize.

The House That Started It All Could Kickstart What's Next Remember how exciting it was to buy your first place?

Headlines highlighting rising foreclosures have a way of stirring up 2008 flashbacks. But the data says not to panic.

We’re nowhere near what happened back then.

In the first half of 2008, foreclosures were filed on over 1.3 million homes. The first half of this year that number was less than 250k.

Now, seeing any homeowner go through this is hard. There’s no arguing that.

But just looking at the market as a whole, we’re a long way from crash territory – even with the recent uptick. So, don’t let the headlines stir up fear.

More Homes, Better Prices: A Buyer’s Summer

If a tight budget or a thin selection has kept you from buying a home, now might be the time to restart your search.

Ready to see what’s available here? Let’s connect.

More Homes, Better Prices: A Buyer’s Summer If you’ve thought about buying a home in the past few years, you may have run into two frustrations: asking prices that kept climbing and too few homes to choose from.