Ruben Aboy

The Fed started its easing cycle with a BOOM - choosing to cut rates by 50 basis points (that's half a percent) on September 18. Mortgage rates had already moved sharply lower in anticipation of the Fed decision. Affordability is finally improving! Hope you enjoy my latest update on national and local real estate. I'd love to sit down with you to discuss your housing needs!

What's up with Real Estate? National news and local views for the week

A weaker than expected August BLS jobs report proved that July was no fluke. The labor market is clearly loosening up and this helped propel average mortgage rates into the low sixes. Odds are high for a 25 basis point Fed rate cut next week. Hope you enjoy my weekly update on national & local real estate!
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What's up with Real Estate? National news and local views for the week

Thinking about paying off your mortgage early? Be aware of prepayment penalties! Some loans charge a fee if you pay off your mortgage too soon, whether through selling, refinancing, or large lump sum payments. Not all loans have these penalties, so it's important to review your terms carefully. Let’s discuss your loan options and make sure you’re set up for success!
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"Jobs week" (JOLTs, ADP, Challenger etc.) has so far delivered a very consistent message - hiring is slowing and layoffs are rising. We know that rate cuts will start on September 18. But whether we'll get a 25 or 50 basis point cut will depend on the strength of the Bureau of Labor Statistics jobs report out today. Hope you enjoy my weekly update on all things real estate!

What's up with Real Estate? National news and local views for the week

Help find my friend’s brother who is missing!! Contact the number on the post if you see him, please!

Starting your home search can be exciting, but it’s important to approach it the right way! 🏡 Make sure you’re prepared by setting a budget and getting preapproved before you fall in love with a property. Ready to take the first step? Reach out today to get started!
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The time has come" to start cutting rates, said Fed Chairman Jerome Powell in his speech from Jackson Hole last Friday. Anticipating this, mortgage rates have already moved more than 1% lower in the last four months, improving mortgage affordability and making millions of loans refinance-able. Hope you enjoy this (rather exciting) weekly update on all things real estate!
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www.marketmortgagelending.com

What's up with Real Estate? National news and local views for the week

Ready to mix up the perfect real estate cocktail? 🍸🏡 Let's find a home loan that suits your taste with just the right blend of rates, terms, and flexibility. Ready to get started? Contact me today to explore your options!

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scotsmanguide.com reported on the Fed's upcoming rate cuts.

Scotsman Guide

scotsmanguide.com reported on upcoming Fed's rate cuts

Scotsman Guide

What a week! We had a huge downward revision to the BLS' jobs growth figures, the Fed minutes explicitly said that a rate cut on Sept 18 was likely, and average mortgage rates moved below 6.5% (and are now 1% lower than they were a year ago). Fall/winter is always a great time to hunt for deals, and lower mortgage rates are improving affordability. Let's talk! [email protected]

What's up with Real Estate? National news and local views for the week

DONT FALL FOR THE MYTH that you don't need a home inspection! 🏡✨ A thorough inspection is crucial to ensure you're making a sound investment. Ready to start your homebuying journey with confidence? Contact me today for expert loan advice.
Always have a home inspection done!
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Imagine enjoying your favorite slice in the comfort of your dream home! 🍕🏡 Let’s make that vision a reality and secure the financing you need for a place that’s truly the upper crust. Ready to make a move? Contact me today to get a pizza the action!
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Inflation (CPI) continued to ease in July, and average 30-yr mortgage rates approached 6.5%. That's already spurring a renaissance in refinancings (for people who bought in the last few years); can a recovery in homebuying activity be far behind? There's a lot to talk about!

What's up with Real Estate? National news and local views for the week

Home Depot lowering sales expectations and CPI numbers came in lower than expected.

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Has the Fed waited too long to start cutting rates? The unexpected climb in the July unemployment rate had the market reassessing recession risks. Bond yields (and mortgage rates) plunged. The market now expects multiple rate cuts before year-end. [email protected]

What's up with Real Estate? National news and local views for the week

When preparing to sell your home, ensuring it's move-in ready can attract more buyers. 🏡✨ Addressing any plumbing or electrical issues can make a significant difference. Ready to take the next step? Contact me today for expert loan advice! [email protected]

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Ready to buy a home, but not sure where to start? I can help guide you, I know what lenders want to see and how to find the best loan match for you. I'm just a message away.
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Renovations with a high ROI? Now that's a smart way to build equity! 🏡✨ Upgrading your kitchen or bathroom can boost your home's value and help you recoup about 70% of the costs. Want to learn more about financing your renovation dreams? Let’s chat and turn your home into an equity-building powerhouse!
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Decluttering your home can transform your living space into a serene haven and make finding your things a breeze! Remember, it's not about tackling everything at once or hoarding bins. Focus on what you love, donate what you don't use, and keep it simple. 🏡✨ Need financing for those home improvements or a new home entirely? Let's chat about your loan options.
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The Fed kept rates steady (again), but said that a rate cut on Sept 18 was definitely "on the table" given progress on inflation and the recent rise in the unemployment rate. The bond market rejoiced, helping to send average mortgage rates near 6.6%. Hope you enjoy this important (and encouraging) update!

What's up with Real Estate? National news and local views for the week

Spring is here, and it is the perfect time to boost your home's curb appeal! 🌸✨ Start by following this checklist, then contact me for tips to spring-clean your finances! 📞(786)290 0874

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Planning to step into a new home adventure? 🏡💰 I'm here to guide you through the ins and outs that shape your mortgage and down payment. When you're informed about these crucial factors, you're better equipped to make confident decisions and secure the perfect mortgage. Let's discuss your journey today!

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The good news (for the housing market at least) continued this week, with flat retail sales and a cooler CPI figure. Average 30-yr mortgage rates dropped back below 7.375%. More inventory + improved affordability = good signs for transaction volumes in the coming months.

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Considering buying a home? Earnest money is a crucial step in the process, showing sellers you're serious about the purchase. This deposit can be applied to closing costs or the down payment, but understanding the terms is key. Let's discuss your options and ensure a smooth transaction. Reach out today to learn more!

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