Ryan Graham - Mortgage Aficionado

Should You Rent Out or Sell Your House?

Figuring out what to do with your house when you're ready to move can be a big decision. Should you sell it and use the money for your next adventure, or keep it as a rental to build long-term wealth?

Is Your House a Good Fit for Renting?

Even if you're interested in becoming a landlord, your current house might not be ideal for renting. Maybe you're moving far away, so keeping up with the ongoing maintenance would be a hassle, the neighborhood isn't great for rentals, or the house needs significant repairs before you could rent it out.

If any of this sounds like it might apply, selling might be your best option.

Are You Ready for the Realities of Being a Landlord?

Managing a rental property isn't just about collecting rent checks. It's a time-consuming and sometimes challenging job.

For example, you may get calls from tenants at all hours of...



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Should You Rent Out or Sell Your House? Figuring out what to do with your house when you're ready to move can be a big decision.

Right now, over 2/3 of homeowners have at least 50% equity in their homes.

And that much equity can go a long way toward buying a new place.

Curious about how much equity you have? I can walk you through a Professional Equity Assessment Report on your house. Drop a comment below if you’re interested.



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Wondering if a housing market crash is on the horizon? Think again.

Unlike 2008's oversupply issue, today we're facing an undersupply of homes.

From existing homes to new builds and even foreclosures, all inventory levels are significantly lower than during the last housing crisis.

The numbers are clear—today's inventory conditions are simply not the same.



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3 Reasons Why We’re Not Headed for a Housing Crash

Back in 2008, there was an oversupply of homes for sale. Today, there’s an undersupply. The three main sources of inventory show this isn’t like the last time. Existing homes, new homes, and foreclosures are all way below the levels we saw during the housing crash. Inventory data shows there just aren’t enough homes available to have a repeat of what happened back in 2008.



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3 Reasons Why We’re Not Headed for a Housing Crash Back in 2008, there was an oversupply of homes for sale.

Caught between caring for your kids and aging parents? Here’s some good news.

In a recent survey, 1 in 3 people in this same situation find it actually makes it easier to afford a home.

That’s because a multi-generational home has big financial perks like sharing expenses and built-in childcare.

If you want to talk about whether this type of home is right for you, DM me.



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Inflation is cooling – and that’s a good sign for mortgage rates.
As the rate of inflation gets closer to the Fed's target of 2%, they may lower the Federal Funds Rate. When they do, mortgage rates are likely to respond.
But this isn't the only factor at play. For the latest updates on what’s happening, follow me.



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A Newly Built Home May Actually Be More Budget-Friendly

If you’re in the market to buy a home, there’s some exciting news for you.

Here are two key reasons working with your agent to look into new home construction could help you find a more budget-friendly option.

Reason 1: Lower Median Prices for Newly Built Homes

The median sales price for newly built homes is lower than the median sales price for existing homes today. This might seem surprising, but it’s true according to the latest data from the Census and the National Association of Realtors (NAR).

Why is that? Builders are focused on building what they can sell. And right now, there’s a very real need for smaller and more affordable homes – so that’s what they’ve been bringing to the market.

Reason 2: Attractive Incentives from Home Builders

Another big reason to consider a newly built home is the range of incentives that many home...



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A Newly Built Home May Actually Be More Budget-Friendly If you’re in the market to buy a home, there’s some exciting news for you.

Are Home Prices Going To Come Down?

Today’s headlines and news stories about home prices are confusing and make it tough to know what’s really happening. Some say home prices are heading for a correction, but what do the facts say? Well, it helps to start by looking at what a correction means.

Here’s what Danielle Hale, Chief Economist at Realtor.com, says: “In stock market terms, a correction is generally referred to as a 10 to 20% drop in prices . . . We don't have the same established definitions in the housing market.”

In the context of today’s housing market, it doesn’t mean home prices are going to fall dramatically. It only means prices, which have been increasing rapidly over the last couple years, are normalizing a bit. In other words, they’re now growing at a slower pace. Prices vary a lot by local market, but rest assured, a big drop off isn’t what’s happening at a national level.

From...



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Are Home Prices Going To Come Down? Today’s headlines and news stories about home prices are confusing and make it tough to know what’s really happening.

Unlocking the Benefits of Your Home's Equity

Equity is the difference between what your house is worth and what you still owe on your mortgage. The typical homeowner gained $28,000 over the past year and has a grand total of $305,000 in equity. And there are a lot of great ways you can use that equity. Want to know how much equity you have? Let’s connect so you can get a Professional Equity Assessment Report (PEAR).



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Unlocking the Benefits of Your Home's Equity Equity is the difference between what your house is worth and what you still owe on your mortgage.

Let’s talk about equity.

On average, homeowners gained $28,000 over the past year and have a grand total of $305,000 worth of equity in their homes. That’s a whole lot of leverage for your next move.

Curious about how much you have? Let’s do a Professional Equity Assessment Report. Comment “Equity” below if you’re interested.



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Do high prices at the gas pump and grocery store have you worried more people are going to fall behind on their mortgage payments?

If you’re thinking that’ll lead to a surge of foreclosures, let this reassure you.

Serious delinquencies (loans that are 3 or more monthly payments past due) are on the decline – so there’s no wave of foreclosures on the horizon.



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Unlocking Homebuyer Opportunities in 2024

There’s no arguing this past year has been difficult for homebuyers. And if you’re someone who has started the process of searching for a home, maybe you put your search on hold because the challenges in today’s market felt like too much to tackle. You’re not alone in that. A Bright MLS study found some of the top reasons buyers paused their search in late 2023 and early 2024 were:

• They couldn’t find anything in their price range
• They didn’t have any successful offers or had difficulty competing
• They couldn’t find the right home

If any of these sound like why you stopped looking, here’s what you need to know. The housing market is in a transition in the second half of 2024. Here are four reasons why this may be your chance to jump back in.

1. The Supply of Homes for Sale Is Growing

2. There’s More New Home Construction

3. Less Buyer...



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Unlocking Homebuyer Opportunities in 2024 There’s no arguing this past year has been difficult for homebuyers.

Trying to get your house ready to list?

If your home is between 20-39 years old, it’s entering the prime remodeling years. And to make sure it shows well and appeals to today’s buyers, you may need to tackle some strategic updates.

Have a project on your mind but you’re wondering if it’s worth the time and money?

Comment below and I’ll help you prioritize your to-do list.



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Looking to buy a home soon?

You’ll want to avoid common mistakes that’ll cost you time, frustration, and money. This includes things like putting off your pre-approval, holding out for perfection, and more.

And having a pro like me on your side is the best way to do that.

Have questions or need advice? Feel free to drop them below or DM me.



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The Biggest Mistakes Homebuyers Are Making Right Now

Want to know the biggest mistakes homebuyers are making today? They include everything from putting off pre-approval for too long, holding out for the perfect home, buying more than they can afford, and skipping out on hiring a pro. Let’s connect to make sure you have a pro on your side who can help you avoid these mistakes.



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The Biggest Mistakes Homebuyers Are Making Right Now Want to know the biggest mistakes homebuyers are making today?

Did you put off your home search because the market was too intense?

Here’s some good news: buyer demand is easing and inventory is growing. This means you may be able to avoid being in a multiple-offer scenario.

Want to learn more about the opportunities buyers have in the second half of this year? DM me.



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Why Fixing Up Your House Can Help It Sell Faster

If you’re thinking about selling your house, you should know there are buyers who are ready and able to pay today’s high prices. But they want a home that’s move-in ready.

It makes sense when you think about it. They’re having to pay a lot of money for a house in today’s market. That means they may not be able to easily afford upgrades after they move in. So, if your home is outdated or needs some work, buyers might pass it by or offer a lower price than you were hoping for.

If your house falls into this category, it's important to consider making selective updates to help it appeal to buyers, so it sells faster. But how do you know where to spend your time and money?

Why You Need a Real Estate Agent

By working with a local real estate agent to be strategic about the improvements you make, you can be sure you’re making a smart investment. Put...



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Why Fixing Up Your House Can Help It Sell Faster If you’re thinking about selling your house, you should know there are buyers who are ready and able to pay today’s high prices.

Why Working with a Real Estate Professional Is Crucial Right Now

Navigating the housing market can be tricky, especially these days. That's why having an experienced guide when buying or selling a home is so important.
Here are just a few of the ways a real estate expert is invaluable:
Contracts – Agents help with the disclosures and contracts necessary in today’s heavily regulated environment.
Experience – In today’s market, experience is crucial. Real estate professionals know the entire sales process, including how it’s changing right now.
Negotiations – Your real estate advisor acts as a buffer in negotiations with all parties, and advocates for your best interests throughout the entire transaction.
Industry Expertise– Knowledge is power in today’s market, and your advisor will simply and effectively explain processes, market conditions, and key terms, translating what they mean for...



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Why Working with a Real Estate Professional Is Crucial Right Now Navigating the housing market can be tricky, especially these days.

Seeing headlines about foreclosures rising? Don’t worry.
That’s only compared to years when foreclosures were at a record low.
We're still below what we’d see in a more normal year.
And, if you compare today to what happened during the crash, we’re nowhere near what we saw back then.
Got questions? Drop them below.



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Why Moving to a Smaller Home After Retirement Makes Life Easier

Retirement is a time for relaxation, adventure, and enjoying the things you love. As you imagine this exciting new chapter in your life, it's important to think about whether your current home still fits your needs.

If it's too big, too costly, or just not convenient anymore, downsizing might help you make the most of your retirement years. To find out if a smaller, more manageable home might be the perfect fit for your new lifestyle, ask yourself these questions:

• Do the original reasons I bought my current house still stand, or have my needs changed since then?
• Do I really need and want the space I have right now, or could somewhere smaller be a better fit?
• What are my housing expenses right now, and how much do I want to try to save by downsizing?

If you answered yes to any of these, consider the benefits that come with...



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Why Moving to a Smaller Home After Retirement Makes Life Easier Retirement is a time for relaxation, adventure, and enjoying the things you love.

Wondering if the upcoming Presidential election will shake up the housing market?

Here's what you need to know. History shows home sales may slow down a bit in November, but they usually bounce back fast, prices keep climbing, and mortgage rates tend to dip a bit.

Overall, the impact is minor and short-lived. Have questions? Let's chat.



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🎉🏡WOO HOO!!

Congrats to my happy clients and friends! This one was super fun and rewarding. We were working for a year to get prepped for this day and they finally are able to say they are homeowners!

Thank you Jackie Vazquez for the trust, it’s so important to work with others who have passion and care. You were amazing!

📈If you need some guidance on your personal plan to own real estate, I’m just a call, text, or DM away!

📲 720-202-1307

Who's involved in a home purchase? Let's break it down! From real estate agents guiding you through listings to mortgage lenders helping secure financing, and inspectors ensuring the property's condition, there's a team of professionals dedicated to making your dream home a reality. Curious about the roles of each player? Let's chat!
https://myoc.io/RyryTheMortgageGuy

Drawing inspiration from Franklin D. Roosevelt's wisdom on the enduring value of real estate—true then, undeniable now. Let's chat about making this timeless investment a reality for you
https://myoc.io/RyryTheMortgageGuy

Are you curious or ready to dive in? Whether you’re taking your first steps towards homeownership, seeking better mortgage terms, or looking to upgrade your home with a loan, I’m here to offer expert guidance. With my advice, I will walk you through a seamless process with me with you every step of the way. Be curious, but take action!
https://myoc.io/RyryTheMortgageGuy