MAC Home Team

Repeat buyers, you’ve got a big leg up on your next move.

It’s your equity, the difference between what your house is worth and what you still owe on your mortgage. Sell, and that equity turns into cash you can roll right into your next down payment.

That’s how a lot of repeat buyers put down 20% or more. But why do they, especially when they don’t necessarily have to?

Because putting more down saves you money in the long run. A bigger down payment means a smaller loan, so your monthly payment is lower and you’re paying less interest over time.

You can also skip private mortgage insurance, or PMI, which is an additional monthly fee required for loans with less than 20% down.

Talk to a trusted lender to figure out what down payment makes the most sense for your budget. And when you’re ready to kick start your move, let’s talk.



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Buying and selling at the same time and not sure where to start?

With houses staying on the market a little longer these days, selling first could be the right move. It keeps you from juggling two mortgages while you wait for your house to sell.

You’ll also know exactly how much equity you’re walking away with (probably more than you think), and you can put it straight toward your next home.

Not sure where you’d stay in between? That part’s manageable with the right plan.

Let’s talk through the pros and cons. We’ll figure out what makes the most sense for you – and how to make the whole process as stress-free as possible.



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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 "PRICES" and I'll show you exactly what home prices are doing in our local market and what that...



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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.



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If you’ve been house-hunting lately, you know the struggle. High prices. And too few homes to choose from.

But this Summer, the tide may be turning in your favor.

Nationally, the median asking price is about $11,000 below where it was a year ago. A sign sellers are meeting buyers where they’re at.

And the number of homes for sale just hit its highest point for any June since 2022.

This doesn’t mean a crash is coming – lower list prices and more options just mean you have more room to find a home that fits your budget and your needs.

So, if you’ve been waiting for the right moment to buy, this might be it. DM and let's look.



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Sticker shock keeping you on the sidelines? Condos might help.

The median condo sold for $380,000 in June, while the median single-family home went for $446,400. That's a gap of more than $66,000.

Part of that is because condos are usually smaller. But that's exactly the point. Smaller square footage can mean a smaller price tag.

So, if you can make less space work for your life, it may work for your budget, too.

For a lot of buyers, especially first-timer buyers, a condo or townhome is the difference between waiting and owning.

Curious what condos and townhomes are selling for in our area? Drop a comment or send me a DM, and I'll put together a list that fits your budget.



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Whether you’re buying or selling, deals are looking different at the moment.

Almost half of sellers gave buyers a concession recently – the highest share on record for this time of year. Builders are also compromising, with over 60% offering incentives like upgrades or discounts.

That says one thing: negotiations are back on the table.

For buyers, that means more chances to ask for a better deal – and maybe get it.

For sellers, it means buyers will expect you to meet them partway. Digging in your heels could mean a longer wait or a lost sale.

The magic words right now? Wiggle room.

Let's connect to talk about what's realistic to ask for, or offer, in our market.



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One of the biggest seller myths floating around right now is that buyers have disappeared.
The headlines certainly make it feel that way.

But here's what the data actually says.

More homes are going under contract right now than they were at this point the last two years.

And here's how that's possible. Life doesn't wait for perfect mortgage rates. People still get married. Families grow. Jobs change.

At some point, waiting becomes harder than moving. So serious buyers still take the plunge.

So, if you've been wondering whether there are still buyers out there...

There are.

The key is knowing how to position your house to stand out in today's market. Send me a message if you want some advice on what it would take to get your house sold right now.



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If the first half of this year has left you feeling stuck, you're definitely not the only one.

Mortgage rates stayed higher than people hoped. Affordability was still tough. And every time it felt like things might improve, something else got in the way. But here's the good news.

A lot of housing experts think the second half of the year could start heading in a better direction. Not because everything magically gets fixed overnight...

But because if inflation cools off and things settle down overseas, mortgage rates could ease, more buyers could jump back in, and the market could finally start feeling a little less stuck.

Will everything suddenly be easy? Probably not. But after the first half we've had, "better" is a pretty good place to start.

If you're wondering what that could mean for your plans (or for our local market), send me a message.

I’ve got the latest forecasts on rates...



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If your student loans have you wondering whether buying a home is even possible, keep reading.

33% of first-time homebuyers have student loan debt. That's roughly a third. And if they're making it happen, maybe you can too. Here’s why.

Lenders look at your whole financial picture – your income, your credit, your overall debt – not just your loans. So, if your finances are in decent shape, you might be a lot closer to owning than you think.

Don't count yourself out before you even try. Connect with a lender and talk about your options.



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