Chuck DeMarti - NMLS# 356141

We recently changed Federal Housing Authority (FHA) loan requirements to open the door to more responsible homeowners! If you’re interested in home ownership, contact me today and start your new journey.

What Does the Rest of the Year Hold for the Housing Market? If you’re thinking of buying or selling a house, you’re at an exciting decision point. And anytime you make a big decision like that, one thing you should always consider is timing. So, what does the rest of the year hold for the housing market? Here’s what experts have to say.

Your Journey to Homeownership
https://www.mykcm.com/2021/11/19/your-journey-to-homeownership-infographic/

Your Journey to Homeownership [INFOGRAPHIC] Some Highlights When it comes to buying a home, there are a number of key milestones along the way. The process includes everything from building your team and understanding your finances to going house hunting, making an offer, and more.

Happy Holidays from Inspire Home Loans!

Knowledge Is Power When It Comes to Appraisals and Inspections.
https://www.mykcm.com/2021/10/25/knowledge-is-power-when-it-comes-to-appraisals-and-inspections/

Knowledge Is Power When It Comes to Appraisals and Inspections Buyers in today’s market often have questions about the importance of getting a home appraisal and an inspection. That’s because high buyer demand and low housing supply are driving intense competition and leading some buyers to consider waiving those contingencies to stand out in the crowded ma...

What's Happening with Home Prices?
https://www.mykcm.com/2021/11/10/whats-happening-with-home-prices/

What’s Happening with Home Prices? Many people have questions about home prices right now. How much have prices risen over the past 12 months? What’s happening with home values right now? What’s projected for next year? Here’s a look at the answers to all three of these questions.

Home Is Where the Heart is More than Ever This Year.
https://www.mykcm.com/2021/11/30/home-is-where-the-heart-is-more-than-ever-this-year/

Home Is Where the Heart Is More than Ever This Year There’s no denying the financial benefits of homeownership, but what’s often overlooked are the feelings of gratitude, security, pride, and comfort we get from owning a home. This year, those emotions are stronger than ever.

Two Graphs That Show Why You Shouldn't Be Upset About 3% Mortgage Rates.
https://www.mykcm.com/2021/11/08/two-graphs-that-show-why-you-shouldnt-be-upset-about-3-mortgage-rates/

Two Graphs That Show Why You Shouldn’t Be Upset About 3% Mortgage Rates With the average 30-year fixed mortgage rate from Freddie Mac climbing above 3%, rising rates are one of the topics dominating the discussion in the housing market today. And since experts project rates will rise further in the coming months, that conversation isn’t going away any time soon.

How Smart Buyers Are Approaching Rising Mortgage Rates
https://www.mykcm.com/2021/11/24/how-smart-buyers-are-approaching-rising-mortgage-rates/

How Smart Buyers Are Approaching Rising Mortgage Rates Last week, the average 30-year fixed mortgage rate from Freddie Mac inched up to 3.1%, and experts project rates will continue rising through 2022: “The 30-year fixed-rate mortgage was 2.9% in the third quarter of 2021.

4 Things Every Renter Needs To Consider.
https://www.mykcm.com/2021/11/15/4-things-every-renter-needs-to-consider/

4 Things Every Renter Needs To Consider As a renter, you’re constantly faced with the same dilemma: keep renting for another year or purchase a home? Your answer depends on your current situation and future plans, but there are a number of benefits to homeownership every renter needs to consider.

Home Sales About To Surge? We May See a Winter Like Never Before.
https://www.mykcm.com/2021/11/18/home-sales-about-to-surge-we-may-see-a-winter-like-never-before/

Home Sales About To Surge? We May See a Winter Like Never Before. Like most industries, residential real estate has a seasonality to it. For example, toy stores sell more toys in October, November, and December than they do in any other three-month span throughout the year. More cars are sold in the U.S.

Conforming Loan Limits Increase 2022.
https://www.hud.gov/press/press_releases_media_advisories/HUD_No_21_197

4 Ways Homeowners Can Use Their Equity.
https://www.mykcm.com/2021/11/22/4-ways-homeowners-can-use-their-equity/

4 Ways Homeowners Can Use Their Equity Your equity is a powerful tool that can help you achieve your goals as a homeowner. And chances are, your equity grew substantially over the past year. According to the latest Equity Insights Report from CoreLogic, homeowners gained an average of $51,500 in equity over the past year.

How To Think Strategically as a Buyer in Today's Market.
https://www.mykcm.com/2021/12/01/how-to-think-strategically-as-a-buyer-in-todays-market/

How To Think Strategically as a Buyer in Today’s Market The game of chess can provide incredible lessons to apply to all aspects of life, including the homebuying process. Chess requires you to plan and think about your strategy from the very beginning of the game. The homebuying process, like chess, requires strategy and planning.

The Big Question: Should You Renovate or Move?
https://www.mykcm.com/2021/10/13/the-big-question-should-you-renovate-or-move/

The Big Question: Should You Renovate or Move? The last 18 months changed what many buyers are looking for in a home. Recently, the American Institute of Architects released their AIA Home Design Trends Survey results for Q3 2021.

National Native American Heritage Day

Happy Thanksgiving!

Important Distinction: Homes Are Less Affordable, Not Unaffordable
https://www.mykcm.com/2021/10/21/important-distinction-homes-are-less-affordable-not-unaffordable/

Important Distinction: Homes Are Less Affordable, Not Unaffordable It’s impossible to research the subject of buying a home without coming across a headline declaring that the fall in home affordability is a crisis.

Experts Agree: Homeownership Provides a Path to Long-Term Wealth
https://www.mykcm.com/2021/10/11/experts-agree-homeownership-provides-a-path-to-long-term-wealth/

Experts Agree: Homeownership Provides a Path to Long-Term Wealth A recent survey from LendingTree.com found there are multiple reasons why Americans would choose to purchase a home instead of renting. Some of the most popular non-financial reasons given include: The flexibility to make the space your own The pride homeownership offers The sense of stability In th...

Homebuyer Tips for Finding the One
https://www.mykcm.com/2021/10/15/homebuyer-tips-for-finding-the-one-infographic/

Homebuyer Tips for Finding the One [INFOGRAPHIC] Some Highlights The best advice carries across multiple areas of life. When it comes to homebuying, a few simple tips can help you stay on track. Because of increased demand, you’ll need to be patient and embrace compromises during your search.

What Does the Future Hold for Home Prices?
https://www.mykcm.com/2021/10/19/what-does-the-future-hold-for-home-prices/

What Does the Future Hold for Home Prices? If you’re looking to buy or sell a house, chances are you’ve heard talk about today’s rising home prices. And while this increase in home values is great news for sellers, you may be wondering what the future holds.

The Main Key To Understanding the Rise in Mortgage Rates
https://www.mykcm.com/2021/10/05/the-main-key-to-understanding-the-rise-in-mortgage-rates/

The Main Key To Understanding the Rise in Mortgage Rates Every Thursday, Freddie Mac releases the results of their Primary Mortgage Market Survey which reveals the most recent movement in the 30-year fixed mortgage rate. Last week, the rate was announced as 3.01%. It was the first time in three months that the mortgage rate surpassed 3%.

Sellers Have Incredible Leverage in Today’s Market
https://bit.ly/3nZGxAI

Sellers Have Incredible Leverage in Today’s Market With mortgage rates climbing above 3% for the first time in months, serious buyers are more motivated than ever to find a home before the end of the year. Lawrence Yun, Chief Economist for the National Association of Realtors (NAR), puts it best, saying:

Happy Veterans Day!

Reasons Renters Buy
https://www.mykcm.com/2021/10/01/reasons-renters-buy-infographic/

Reasons Renters Buy [INFOGRAPHIC] Some Highlights When deciding whether you should rent or buy, make sure you’re considering these factors. Buying a home means consistent monthly payments. Homeownership also helps to build your wealth. And owning a home gives you greater flexibility than renting.

4 Tips To Prep for Your Home Sale This Fall
https://www.mykcm.com/2021/10/04/4-tips-to-prep-for-your-home-sale-this-fall/

4 Tips To Prep for Your Home Sale This Fall Even in a hot sellers’ market like today’s in which homes are selling so quickly, it’s still important to make a good first impression on potential buyers. Taking the time upfront to prep your house appropriately can bring in the greatest return on your investment.

What’s Causing Today’s Competitive Real Estate Market?
https://www.mykcm.com/2021/10/08/whats-causing-todays-competitive-real-estate-market-infographic/

What’s Causing Today’s Competitive Real Estate Market? [INFOGRAPHIC] Some Highlights Today’s strong sellers’ market is the direct result of high demand and low supply. Low mortgage rates and generational trends have created an increased demand for homes.

Happy Halloween! We wish you a safe and spooky weekend!

What You Can Do Right Now To Prepare for Homeownership.
https://www.mykcm.com/2021/09/01/what-you-can-do-right-now-to-prepare-for-homeownership/

What You Can Do Right Now To Prepare for Homeownership As rent prices continue to soar, many renters want to know what they can do to get ready to buy their first home. According to recent data from ApartmentList.com: “The first half of 2021 has seen the fastest growth in rent prices since the start of our estimates in 2017.