Real Estate • November 8, 2022

Mortgage Rates, House Prices, Wages and The Real Estate Market

by Maryalice Ryan

Key Factors Affecting Home Affordability Today

Every time there’s a news segment about the housing market, we hear about the affordability challenges buyers are facing today. Those headlines are focused on how much mortgage rates have climbed this year. And while it’s true rates have risen dramatically, it’s important to remember they aren’t the only factor in the affordability equation.

Here are three measures used to establish home affordability: home prices, mortgage rates, and wages. Let’s look closely at each one.

1. Mortgage Rates

This is the factor most people are focused on when they talk about homebuying conditions today. So far, current rates are almost four full percentage points higher than they were at the beginning of the year. As Len Kiefer, Deputy Chief Economist at Freddie Mac, explains:

“U.S. 30-year fixed mortgage rates have increased 3.83 percentage points since the end of last year. That’s the biggest year-to-date increase in rates in over 50 years.”

That increase in mortgage rates is impacting how much it costs to finance a home purchase, creating a challenge for many buyers that’s pricing some out of the market. While the current global uncertainty makes it difficult to project where mortgage rates will go in the future, experts do say that rates will likely remain high as long as inflation does.

2. Home Prices

The second factor at play is home prices. Home prices have made headlines over the past few years because they skyrocketed during the pandemic. Now, the most recent Home Price Index from S&P Case-Shiller shows home values continued to decelerate for a fifth consecutive month (shown in green in the graph below):

This deceleration is happening because higher mortgage rates are moderating demand, and as a result, easing the buyer competition and bidding wars that previously drove prices up.

What’s worth noting though, is how much higher home prices still are than they were before the pandemic (shown in blue in the graph above). Even now, we have a long way to go to get to more normal levels of home price appreciation, which is historically closer to 4%. When both mortgage rates and home prices are high, affordability and your purchasing power become a greater challenge.

But while prices are still elevated in many markets, some areas are seeing slight declines. It all depends on your local market. For insight into what’s happening in your area, reach out to a trusted real estate professional.

3. Wages

The one big, positive component in the affordability equation is the increase in American wages. The graph below uses data from the Bureau of Labor Statistics (BLS) to show how wages have grown over time. This year is no exception.

As the Bureau of Labor Statistics (BLS) reports:

“Median weekly earnings of the nation’s 120.2 million full-time wage and salary workers were $1,070 in the third quarter of 2022 (not seasonally adjusted), the U.S. Bureau of Labor Statistics reported…This was 6.9 percent higher than a year earlier…”

So, when you think about affordability, remember the full picture includes more than just mortgage rates. Home prices and wages need to be factored in as well. Because wages have been rising, they’re a big reason why serious buyers are still purchasing homes this year.

If you have questions or want to learn more, reach out to a trusted advisor who can explain how all of these variables work together and what’s happening in your area. As Leslie Rouda Smith, President of the National Association of Realtors (NAR), says:

“Buying or selling a home involves a series of requirements and variables, and it’s important to have someone in your corner from start to finish to make the process as smooth as possible… and objectivity to deliver trusted expertise to consumers in every U.S. ZIP code.”

Bottom Line

To learn more, let’s connect today and make sure you have a trusted lender so you’re able to make an informed decision if you’re planning to buy or sell a home right now.

* From Keeping Current Matters Inc. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Local • Real Estate • November 4, 2022

Thinking of Selling in 2023? Think again!

by Maryalice Ryan

Why it is a Better Idea to Sell Your House Before the Holidays

As you look ahead to the winter season, you’re likely making plans and thinking about what you want to achieve before the year ends. One of those key decision points could be whether or not you want to move this year. If the location or size of your current home no longer meets your needs, finding a house that better suits your lifestyle may be a top priority for you. But with today’s cooling housing market, is it really a good time to sell your house, or should you wait?

If you’re ready to make your decision, here are three reasons you may want to consider selling before the holidays.

1. Get One Step Ahead of Other Sellers

Typically, in the residential real estate market, homeowners are less likely to list their houses toward the end of the year. That’s because people get busy around the holidays and deprioritize selling their house until the start of the new year when their schedules and social calendars calm down.

Selling now, while other homeowners may hold off until after the holidays, can help your house stand out. Start the process with a real estate professional today so you can get your house on the market and get ahead of your competition.

2. Get in Front of Serious Buyers This Season

Even though housing supply has increased this year as buyer demand has moderated, it’s still low overall. That means there aren’t enough homes on the market today, especially as the millennial generation reaches their peak homebuying years. As Mark Fleming, Chief Economist at First American, says:

“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.”

Serious buyers will still be looking this winter and your house may be exactly what they’re searching for. If you work with an agent to list your house now, you’ll be able to get in front of the eager buyers who are hoping to make a move before the year ends.

3. Seize a Great Chance To Move Up

Don’t forget, today’s homeowners have record amounts of equity. According to CoreLogic, the average amount of equity per mortgage holder has climbed to almost $300,000. That’s an all-time high. That means the equity you have in your house right now could cover some, if not all, of a down payment on the home of your dreams.

And as you weigh the reasons to sell before winter, don’t lose sight of why you’re thinking about moving in the first place. Maybe it’s time to buy a house that’s in a better location for you, has the space you and your loved ones have been craving, or simply gives you that sense of home. A trusted real estate advisor can help you determine how much home equity you have and how you can use it to achieve your goal of making a move.

Bottom Line

If you’re thinking about selling your house so you can find a home that better suits your needs, don’t delay your plans. Let’s connect so you can accomplish your goals before winter.

* From Keeping Current Matters. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Real Estate • October 27, 2022

The Largest Living Generation & Their Impact on the Housing Market

by Maryalice Ryan

Millennials Are Still a Driving Force of Today’s Buyer Demand

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.

Millennial Homebuying Power

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.

Millennials Continue To Be a Driving Force of Demand

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.”

Bottom Line

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.

*From Keeping Current Matters, Inc. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein

Local • October 21, 2022

Our Towns Know How to do Halloween!

by Maryalice Ryan

Looking for family activities this coming weekend?

Our local Union County NJ towns have you covered! One of the many reasons I love our area, our towns and communities are family oriented and offer so much for the kids, big and small! Here are few fun things to do this Halloween weekend:

Westfield:

Halloween Hocus Pocus at the Cory Miller Museum: Sunday October 10/30 from 2:00 to 4:00 pm. Wear your costume and enjoy cupcake decorating, a scavenger hunt, crafts, stories and open hearth cooking. Admission $5, no registration required. 614 Mountain Ave., Westfield NJ. https://millercoryhouse.com/event-schedule/

Jack O Lantern Trail and Trunk or Treat at Brightwood Park: Presented by the Friends of Brightwood Park on October 29th from 2:00 to 4:00 PM. Enjoy a scavenger hunt, jack o lantern through he park and gather treats in the trunks! $20 Per Family, registration required, for details visit: https://www.facebook.com/FriendsOfBrightwoodPark.org

Scotch Plains:

Halloween Party: Sunday October 30th from 12:00 to 3:00 pm – Enjoy a FREE celebration with a trunk or treat, food and DJ at 559 Park Avenue, Scotch Plains, NJ.

Cranford:

Scarecrows: Enjoy a walk with you family throughout downtown Cranford and enjoy the creative scarecrows that adorn the streets.

Parade & Pumpkin Chunkin: On Sunday October 30th, beginning at the Library/Community Center and ending a The Gazebo from 12:00 to 3:00 pm.

Apple Pie Baking Contest: Presented by Downtown Cranford and Dreyer Farms on Sunday October 30th at 4:00 pm at the Eastman Clock Plaza

Special Showing of Ghostbusters 1984: At the Cranford Theater on Saturday October 29th at 4:00 pm. Tickets $5

Details at: https://downtowncranford.org/halloween-events-1

Clark:

Trunk or Treat: Saturday October 29th from 12:00 to 2:00 pm. Enjoy a treats at the trunk or treat, plus hunted corn maze, pumpkin carving, train rides, DJ, costume contest and much more! At the Clark Recreation parking lot on Westfield Avenue. FREE event.

ENJOY!!!!!

Information deemed reliable but not guarantee. Visit each event town’s website or social media pages for weather related changes and information.

Real Estate • October 4, 2022

How To Prep Your House for Sale This Fall

by Maryalice Ryan

If you’re thinking about selling your house, that may leave you wondering what you need to do to get it ready. The answer is simple: Taking the time upfront to prep your house appropriately and create a solid plan can help bring in the greatest return on your investment.

Here are a few simple tips to make sure you maximize the sale of your house this fall.

1. Price It Right

One of the first things buyers will notice is the price of your house. That’s because the price sends a message to home shoppers. Pricing your house too high to begin with could put you at a disadvantage by discouraging buyers from making an offer. On the flip side, pricing your house too low may make buyers worry there’s some underlying issue or something wrong with the home.

Yes, it is a Seller’s Market, but pricing your house fairly based on market conditions increases the chance you’ll have more buyers who are interested in purchasing it. That makes it more likely you’ll see multiple offers too. Plus, when homes are priced right, they still tend to sell quickly.

But how do you know that perfect number? Pricing your house isn’t a guessing game. It takes skill and expertise. Work with a trusted real estate advisor to determine the current market value for your home.

2. Keep It Clean

It may sound simple but keeping your house clean is another key to making sure it gets the attention it deserves. As realtor.com says in the Home Selling Checklist:

“When selling your home, it’s important to keep everything tidy for buyers, and you never know when a buyer is going to want to schedule a last-minute tour.”

Before each buyer visits, assess your space and determine what needs your attention. Wash the dishes, make the beds, and put away any clutter. Doing these simple things can reduce potential distractions for buyers.

For more tips, check out this checklist for preparing your house for sale. Ultimately an agent is your best resource for tailored advice, but this list can help get you started.

3. Make it Easy to visit

Allowing buyers to see your home on their schedule can make a big difference. Buyers are less likely to make an offer if its difficult to schedule a showing. Making your house available to show as often as possible helps create more opportunities for more buyers to fall in love with your house.

4. Help Buyers Feel at Home

Finally, it’s important for buyers to see all the possible ways they can make your house their next home. An easy first step to create this blank canvas is removing personal items, like pictures, awards, and sentimental belongings. It’s also a good idea to remove any excess furniture to help the rooms feel bigger and make sure there’s ample space for touring buyers to stand and look at the layout.

If you’re unsure what should be packed away and what can stay, consult your trusted real estate advisor. Spending the time on this step can pay off in the long run. As a recent article from the National Association of Realtors (NAR) explains:

“Staging is the art of preparing a home to appeal to the greatest number of potential buyers in your market. The right arrangements can move you into a higher price-point and help buyers fall in love the moment they walk through the door.”

5. Keep the season in mind

Curb appeal is always important when selling a home, however during the Fall it is more important. As trees begin to die off, and leaves fall a home can look drab during the Fall and Winter. These useful tips prevent your home from looking unsightly

Keep leaves raked and bagged regularly
Plant seasonal flowers in pots (mums the word)
Power wash your driveway, walkways and front steps

Curb-appeal projects make the property look good as soon as prospective buyers arrive. While these projects may not add a considerable amount of monetary value, they will help your home sell
faster—and you can do a lot of the work yourself to save money and time.

Bottom Line

Selling a house requires prep work and expertise. If you’re looking to sell your house this season, let’s connect so you have advice on how to get it ready to list, how to help it stand out in today’s shifting market, and more.

*From Keeping Current Matters. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Real Estate • September 22, 2022

The Fall Housing Market Takes Turn Where Buyers & Sellers Can Gain —If They Know What To Do

by Maryalice Ryan

From Realtor.com

“The fall housing market is beginning to show its true colors—and so far, the outlook appears rosier for both homebuyers and sellers.

Real estate is typically seen as a zero-sum game, where a homebuyer’s gain is a seller’s loss, and vice versa. Yet the latest installment of our “How’s the Housing Market This Week?” column finds statistics for the week ending Sept. 3 shining favorably on both sides of the bargaining table.

First, the good news for buyers is that fall is typically the best time to buy a home—and this autumn is shaping up to be better than usual with a bumper crop of homes on the market with a longer shelf life than they’ve had in the past.

“For today’s home shoppers, there are more homes available for sale, and there may be more time to make an offer on one,” notes Realtor.com® Chief Economist Danielle Hale in her analysis.

Meanwhile, the good news for home sellers is there appears to be “a renewed recognition of the relative advantages today’s sellers have,” Hale continues. Namely, record-high home equity, thanks to skyrocketing home prices.

Since the numbers never lie, here are the latest figures and what they mean for both homebuyers and sellers so that all can reap the bounties of the fall market.

Home prices are still soaring, but heading south for the season

For the week ending Sept. 3, listing prices rose by 13.4% over that same week last year.

“The typical asking price of homes was up from last year by double digits for a 38th week,” says Hale.

Yet month to month, prices are spiraling downward, which bodes well for home shoppers. August data from Realtor.com places the median home price nationwide at $435,000—down from June’s all-time high of $450,000.

“Home prices typically decline as we move into the second half of the year, a seasonal trend that was somewhat disrupted in the overheated [COVID-19] pandemic market,” says Hale. “This year’s data signals a more expected pattern.”

New listings dropped, but there is plenty of inventory

Yes, many home sellers are still kicking themselves for missing the peak of the market. And as a result, a growing number aren’t bothering to list at all. For the week ending Sept. 3, the number of new home sellers entering the market dropped by 6% year over year.

“This week marks the ninth straight week of year-over-year declines in the number of new listings coming up for sale,” says Hale.

Yet this is a smaller dip than seen in the previous three weeks, which experienced double-digit declines. Plus, overall housing inventory—of both new listings and oldies still lingering on the market—ticked up by 27% after an extremely sluggish August.

“The housing market’s rapid growth in inventory from May to July had stalled in August as buyers and sellers adapted to shifting housing market conditions,” Hale explains. “This week’s data snapped a four-week streak of slowing momentum.”

Still, she concedes that new listings are a better barometer of seller enthusiasm and harbinger of what’s to come—and will be the number to keep an eye on going forward.

Home sales are slowing but still brisk

In August, listings lingered on the market a mere 34 days before getting snapped up—that’s 22 days faster than the typical August from 2017 to 2019. But the housing market’s frantic pandemic pace is at long last winding down.

For the week ending Sept. 3, properties spent five extra days on the market compared with a year earlier.

“For a sixth straight week, homes are sitting on the market for a longer time than last year,” says Hale.

Still, this is by no means permission to take your sweet time, with Hale pointing out, “relative to pre-pandemic, shoppers need to make faster decisions.”

Mortgage rates are up to nearly 6%

According to Freddie Mac, for the week ending Sept. 8, the average 30-year fixed mortgage rate increased to 5.89%, up from the previous week’s 5.66%. That’s a whole lot of pain for buyers that’s bound to put downward pressure on prices.

“Buying a home remains a pricey undertaking as mortgage rates continue to trend higher,” Hale concludes. “As buyers navigate high costs resulting from price gains and mortgage rate increases, sellers will find that they are more price-sensitive and more willing to ask for contract concessions than last year’s shoppers.”

In other words, buyers are driving a harder bargain than they could have during the raging seller’s market of the past. And thanks to those high home prices, sellers who give a little still stand to gain a lot, creating that rare, beautiful possibility of a win-win scenario for all.”

* This article was published on September 8th on Realtor.com. CLICK HERE for the full article

Real Estate • September 12, 2022

What are experts saying about the future of rates?

by Maryalice Ryan

Expert Forecasts on Mortgage Rates

If you’ve been thinking of buying a home, you may have been watching what’s happened with mortgage rates over the past year. It’s true they’ve risen dramatically, but where will they go from here, especially as the market continues to slow?

As you think about your homeownership goals and decide if now’s the time to make your move, the best place to turn to for that information is the professionals. Here’s a summary of the latest mortgage rate forecasts from housing market experts.

Experts Project Mortgage Rates Will Stabilize

While mortgage rates continue to fluctuate due to ongoing inflationary pressures and economic uncertainty, experts project they’ll start to stabilize in the months ahead. According to the latest projections, mortgage rates are expected to hover in the low to mid 5% range initially, and then potentially dip into the high 4% range by later next year (see chart below):

That could bring you some welcome relief. So far this year, mortgage rates have climbed over two percentage points due to the Federal Reserve’s response to inflation, and that’s made it more expensive to buy a home. And wondering if the rise in rates will continue is keeping some prospective buyers on the sidelines.

But now that experts say mortgage rates should stabilize, this gives you a bit more certainty about what they think the future holds, and that may help you feel more confident about your decision to buy a home.

Bottom Line

Whether you’re looking to buy your first home, move up to a larger home, or even downsize, you need to know what’s happening in the housing market so you can make the most informed decision possible. Let’s connect to discuss your goals and determine the best plan for your move.

* From Keeping Current Matters, Inc. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Uncategorized • August 15, 2022

Why Experts Say the Housing Market Won’t Crash

by Maryalice Ryan

Why Experts Say the Housing Market Won’t Crash [INFOGRAPHIC] | MyKCM

Some Highlights

Many people remember the housing crash in 2008, but experts say today’s market is fundamentally different in many ways.
First, there isn’t an oversupply of homes for sale today. Plus, lending standards are much tighter, and homeowners have record levels of equity. That means signs say there won’t be a wave of foreclosures like the last time.
If you have questions about the housing market, let’s connect.

* The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Real Estate • August 10, 2022

Home Buyers: it may be time to pick your home search

by Maryalice Ryan

Is the Shifting Market a Challenge or an Opportunity for Homebuyers?

If you tried to buy a home during the pandemic, you know the limited supply of homes for sale was a considerable challenge. It created intense bidding wars which drove home prices up as buyers competed with one another to be the winning offer.

But what was once your greatest challenge may now be your greatest opportunity. Today, data shows buyer demand is moderating in the wake of higher mortgage rates. Here are a few reasons why this shift in the housing market is good news for your homebuying plans.

The Challenge

There were many reasons for the limited number of homes on the market during the pandemic, including a history of underbuilding new homes since the market crash in 2008. As the graph below shows, housing supply is well below what the market has seen for most of the past 10 years (see graph below):

The Opportunity

But that graph also shows a trend back up in the right direction this year. That’s because moderating demand is slowing the pace of home sales and that’s one of the reasons housing supply is finally able to grow. For you, that means you’ll have more options to choose from, so it shouldn’t be as difficult to find your next home as it has been recently.

And having more options may also lead to less intense bidding wars. Data from the Realtors Confidence Index from the National Association ofRealtors (NAR) shows this trend has already begun. In their recent reports, bidding wars are easing month-over-month (see graph below):

If you’ve been outbid before or you’ve struggled to find a home that meets your needs, breathe a welcome sigh of relief. The big takeaway here is you have more options and less competition today.

Just remember, while easing, data shows multiple-offer scenarios are still happening – they’re just not as intense as they were over the past year. You should still lean on an agent to guide you through the process and help you make your strongest offer up front.

Bottom Line

If you’re still looking to make a move, it may be time to pick your home search back up today. Let’s connect to kick off the homebuying process.

*From Keeping Current Matters. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

Uncategorized • August 2, 2022

The Moment Buyers Have been Waiting For

by Maryalice Ryan

Three Reasons To Buy a Home in Today’s Shifting Market

Three Reasons To Buy a Home in Today’s Shifting Market [INFOGRAPHIC] | MyKCM

Some Highlights

The housing market is moving away from the frenzy of the past year and it’s opening doors for you if you’re thinking about buying a home.
Housing inventory is increasing, which means more options for your search. Plus, the intensity of bidding wars may ease as buyer demand moderates, leading to fewer homes selling above asking price.
If you’re ready to buy a home, now may be the moment you’ve been waiting for. Let’s connect to start the homebuying process today.

*From Keeping Current Matters. The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.