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Let's hear👂it! Mortgage rates are declining. And that may make you wonder if it’s time to jump back into the market.

While they’re not going back to pandemic lows, experts say rates could continue to drop as long as inflation eases.

✨️So, what number do you want to see rates📉 hit before you’re ready to move?

⏬️Drop it in a comment below. And I’ll be the first to let you know when we get there.



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Homeowners, did you know you have two unique ways to tap into your home’s equity? 🏠💸 Let’s break down HELOCs vs. Home Equity Loans!

**HELOC (Home Equity Line of Credit)**
💰 Flexible credit line—borrow as needed
💰 Pay interest only on what you use
💰 Variable interest rate based on your credit score and prime rate

**Home Equity Loan**
💰 Lump sum loan—get the full amount at once
💰 Predictable monthly payments
💰 Fixed interest rate, often lower than a HELOC

Not sure which option suits you best? Let’s chat! I can connect you with a trusted loan officer who can help you make the right choice.

📲 661-702-4767
📧 [email protected]

Are We Heading into a Balanced Market?

If you’ve been keeping an eye on the housing market over the past couple of years, you know sellers have had the upper hand. But is that going to shift now that inventory is growing? Here’s a breakdown of what you need to know.

What Is a Balanced Market?

A balanced market is generally defined as a market with about a five-to-seven-month supply of homes available for sale. In this type of market, neither buyers nor sellers have a clear advantage. Prices tend to stabilize, and there’s a healthier number of homes to choose from. And after many years when sellers had all the leverage, a more balanced market would be a welcome sight for people looking to move. The question is – is that really where the market is headed?

For now, this is still seller’s market territory – it’s just not as frenzied of a seller’s market as it’s been over the past few years.

What This...

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Are We Heading into a Balanced Market? If you’ve been keeping an eye on the housing market over the past couple of years, you know sellers have had the upper hand.

2025 Housing Market Forecasts: What To Expect

Looking ahead to 2025, it's important to know what experts are projecting for the housing market.

Mortgage Rates Are Projected To Come Down Slightly

Mortgage rates play a significant role in the housing market. The forecasts for 2025 from Fannie Mae, the Mortgage Bankers Association (MBA), the National Association of Realtors (NAR), and Wells Fargo show an expected gradual decline in mortgage rates over the course of the next year.

And many experts believe these signs will encourage the Federal Reserve to lower the Federal Funds Rate, which tends to lead to lower mortgage rates.

Expect More Homes To Sell

The market will see an increase in both the supply of available homes on the market, as well as a rise in demand, as more buyers and sellers who have been sitting on the sidelines because of higher rates choose to make a move. That’s one big reason...

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2025 Housing Market Forecasts: What To Expect Looking ahead to 2025, it's important to know what experts are projecting for the housing market.

What's the Impact of Presidential Elections on the Housing Market?

If you’ve been considering buying or selling a home this year, you’re probably curious about what the election might mean for the housing market – and if it’s still a good time to make your move.

Home Sales

In the month leading up to a Presidential election, from October to November, there’s typically a slight slowdown in home sales.

Some consumers will simply wait it out before they make their purchase decision. However, it’s important to know this slowdown is small and temporary.
Historically, home sales bounce right back and continue to rise the following year.

Home Prices

You may also be wondering about home prices. Do prices come down during election years? Not typically.

Home prices generally rise over time, regardless of an election cycle. So, based on what history shows, you can expect the current pricing trend in your...

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What's the Impact of Presidential Elections on the Housing Market? It’s no surprise that the upcoming Presidential election might have you speculating about what’s ahead.

Thinking about buying a home in Santa Clarita? Your down payment can make a big difference! 🏡✨

Here’s how:

📉 **Interest Rate:** A larger down payment can help you secure a lower interest rate on your mortgage.

🗓️ **Monthly Payments:** Putting more down means smaller monthly payments—perfect for easier budgeting!

💰 **Total Cost:** The more you pay upfront, the less you'll end up spending over the life of your loan.

🏠 **Mortgage Type:** Some mortgages require specific down payment amounts.

🔒 **Mortgage Insurance:** A smaller down payment might mean added costs for mortgage insurance.

Curious about how your down payment can impact your homeownership costs? Dive into our latest blog post for all the details!

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What Mortgage Rate Are You Waiting For?

You won’t find anyone who’s going to argue that mortgage rates have had a big impact on housing affordability over the past couple of years. But there is hope on the horizon. Rates have actually started to come down.

Expert Projections for Mortgage Rates

Experts say the overall downward trend should continue as long as inflation and the economy keeps cooling. But as new reports come out on those key indicators, there’s going to be some volatility here and there.

What you need to remember is it’s not wise to let those blips distract you from the larger trend. Rates are still down roughly a full percentage point from the recent peak compared to May.

Know Your Number for Mortgage Rates

So, what does this mean for you and your plans to move? If you’ve been holding out and waiting for rates to come down, know that it’s already happening. You just have to...

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What Mortgage Rate Are You Waiting For? You won’t find anyone who’s going to argue that mortgage rates have had a big impact on housing affordability over the past couple of years.

How Growing Inventory Benefits Today's Buyers

While the number of homes for sale varies by local area, nationally we’re up over 36% year-over-year, but still down almost 29% compared to what’s normal. Here’s what that means when you buy: more options for your search, more negotiation power for you, it’s more likely sellers will make select repairs, and more moderate price growth. If you want to talk more about what rising inventory means for you, let’s connect.

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How Growing Inventory Benefits Today's Buyers While the number of homes for sale varies by local area, nationally we’re up over 36% year-over-year, but still down almost 29% compared to what’s normal.

Today’s Biggest Housing Market Myths

Have you ever heard the phrase: don’t believe everything you hear? There’s a lot of misinformation out there. And right now, making sure you have someone you can go to for trustworthy information is extra important.

1. I’ll Get a Better Deal Once Prices Crash

If you’ve heard home prices are going to come crashing down, it’s time to look at what’s actually happening. While prices vary by local market, there’s a lot of data out there from numerous sources that shows a crash is not going to happen. So, if you think waiting will score you a deal, know that data shows there’s not a crash on the horizon, and waiting isn’t going to pay off the way you’d hoped.

2. I Won’t Be Able To Find Anything To Buy

If this nagging fear about finding the right home if you move is still holding you back, you probably haven’t talked with an expert real estate agent lately...

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Today’s Biggest Housing Market Myths Have you ever heard the phrase: don’t believe everything you hear?

The Number One Mistake Sellers Are Making: Overpricing Their House

In today's housing market, many sellers are making a critical mistake: overpricing their houses. This common error can lead to a home sitting on the market for a long time without any offers. And when that happens, the homeowner may have to drop their asking price to try to re-ignite buyer interest.

If you’re thinking about making a move yourself, here’s what you need to know. The best way to avoid making a costly mistake is to work with a trusted real estate agent to find the right price. Here’s a look at what’s at stake if you don’t.

Not Paying Attention To Current Market Conditions

Understanding current market conditions is key to accurate pricing.

Real estate agents stay updated on market trends and how they impact the pricing strategy for your house.

Pricing It Based on What You Want To Make (Not What It’s Worth)

Another...

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The Number One Mistake Sellers Are Making: Overpricing Their House In today's housing market, many sellers are making a critical mistake: overpricing their houses.

How To Choose a Great Local Real Estate Agent

Selecting the right real estate agent can make a world of difference when buying or selling a home. But how do you find the best one? Here are some tips to help you make that big decision as you determine your partner in the process.

Check Their Reputation

Start by gathering information about agents in your area. From there, try to narrow down the list. Ask the people you trust if they have someone they’d recommend. You’ll want to find an agent with a strong online presence, plenty of positive reviews, and someone whose great reputation truly precedes them.

Look for Local Market Expertise

A great agent should have in-depth knowledge of what’s happening at the national and local level. That way they can clear up any misconceptions sparked by what you’re reading or hearing in the news.

Get a Feel for Their Communication Style and Availability

Effective...

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How To Choose a Great Local Real Estate Agent Selecting the right real estate agent can make a world of difference when buying or selling a home.

Did you know that a high debt-to-income (DTI) ratio is the #1 reason mortgage applications get rejected? 🤯

Your DTI ratio is the percentage of your gross monthly income that goes toward debt payments, including your mortgage.

Lenders use DTI to assess your ability to afford a home. So, how can you avoid rejection and qualify for better rates?

✅ Aim for a DTI ratio of 36% or lower to qualify for the best rates.

✅ Pay down credit cards, auto loans, student loans, and other debt.

✅ Increase your income to offset your debts and lower your ratio.

Ready to learn more? Check out our latest blog post to get more tips for taking out a mortgage.

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How Mortgage Rate Changes Impact Your Homebuying Power

If you’re thinking about buying or selling a home, you’ve probably got mortgage rates on your mind. That’s because you’ve likely heard that mortgage rates impact how much you can afford in your monthly mortgage payment, and you want to factor that into your planning. Here’s what you need to know.

What’s Happening with Mortgage Rates?

Mortgage rates have been trending down recently. While that’s good news for your homebuying plans, it’s important to know that rates can be unpredictable because they’re affected by many factors.

Things like the economy, job market, inflation, and decisions made by the Federal Reserve all play a part. So, even as rates go down, they can still bounce around a bit based on new economic data. As Odeta Kushi, Deputy Chief Economist at First American, says: “The ongoing deceleration in inflation, coupled with the...

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How Mortgage Rate Changes Impact Your Homebuying Power If you’re thinking about buying or selling a home, you’ve probably got mortgage rates on your mind.

3 Reasons To Move in Today’s Shifting Market

The housing market is in a transition. And that gives you 3 key opportunities going into the fall. There are more homes actively for sale. Builders are motivated to sell, so a newly built home may be more achievable than you think. And mortgage rates have come down from their recent peak. If you’re ready and able to buy, you may find the housing market this fall a bit easier to navigate. Let’s connect to get started.

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3 Reasons To Move in Today’s Shifting Market The housing market is in a transition. And that gives you 3 key opportunities going into the fall.

Have you received one of these in the mail? File it! You will need it if you are selling your house!

Santa Clarita homebuyers: Feeling overwhelmed by mortgage options? Here’s what to consider:

📈 Credit Score:
Your score impacts your interest rate and loan options—keep it strong!

📊 Income & Expenses:
Lenders want to see that you can comfortably handle payments and debt.

💰 Down Payment:
A larger down payment can lower monthly costs and reduce the need for mortgage insurance.

📆 Lifestyle & Risk Tolerance:
Choose a term length and interest rate type that fits your financial goals.

Want more tips? Check out my latest blog for a deep dive!

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Don’t rush your final walk-through! 🏠 If you’re buying a home in Santa Clarita, make sure to check these key things:

💡 Are all items included in the sale (like light fixtures and appliances) in place and working?
🚿 Are all major systems functioning properly?
⚒️ Have all requested repairs been completed?
🗑️ Has the seller removed all personal items and debris?
🚪 Was any damage done during the seller’s move-out?

Need more expert advice on the homebuying process? Let’s chat—free consultations available!

📲 661-702-4767
📧 [email protected]

What Credit Score Do You Really Need To Buy a House?

When you're thinking about buying a home, your credit score is one of the biggest pieces of the puzzle. Think of it like your financial report card that lenders look at when trying to figure out if you qualify, and which home loan will work best for you. As the Mortgage Report says:

"Good credit scores communicate to lenders that you have a track record for properly managing your debts. For this reason, the higher your score, the better your chances of qualifying for a mortgage."

The trouble is most buyers overestimate the minimum credit score they need to buy a home. According to a report from Fannie Mae, only 32% of consumers have a good idea of what lenders require. That means nearly 2 out of every 3 people don’t.

So, here’s a general ballpark to give you a rough idea. Experian says:

“The minimum credit score needed to buy a house can range...

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What Credit Score Do You Really Need To Buy a House? When you're thinking about buying a home, your credit score is one of the biggest pieces of the puzzle.

The Great Wealth Transfer: A New Era of Opportunity

In recent years, there’s been a significant shift in how wealth is distributed among generations. It’s called the Great Wealth Transfer.

Basically, as more Baby Boomers retire, sell businesses, or downsize their homes, more substantial assets are being passed down to younger generations. And this creates a powerful ripple effect that’ll continue over the next few decades.

Impact on the Housing Market

One of the most immediate effects of this wealth transfer is on the housing market. Home affordability has been a concern for many aspiring buyers, especially in high-demand areas. The increase in generational wealth is expected to ease some of these challenges by providing future homeowners with greater financial resources. As assets are passed down through generations, buyers may find themselves in a better position to afford homes.

Impact on the...

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The Great Wealth Transfer: A New Era of Opportunity In recent years, there’s been a significant shift in how wealth is distributed among generations.

Is Affordability Starting To Improve?

Over the past couple of years, a lot of people have had a hard time buying a home. And while affordability is still tight, there are signs it's getting a little better and might keep improving throughout the rest of the year. Here’s a look at the latest data on the three biggest factors affecting home affordability.

1. Mortgage Rates

Mortgage rates have been volatile this year, bouncing around from the mid 6% to low 7% range. But there's some good news. Data from Freddie Mac shows rates have been trending down overall since May. When rates decline, it's easier to afford the home you want because your monthly payment will be lower. Just don’t expect them to go back down to 3%.

2. Home Prices

The second big thing to think about is home prices. Nationally, they’re still going up this year, but not as fast as they did a couple of years ago. As Odeta Kushi, Deputy...

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Is Affordability Starting To Improve? Over the past couple of years, a lot of people have had a hard time buying a home.

You may not be looking to buy or sell a home right now, but did you know I can still be a great resource? Here are 3 reasons to reach out to me:

👷 Need a referral?
Whether you’re searching for a housekeeper or a roofer, I’m happy to share my list of trusted local professionals in Santa Clarita.

🛠️ Thinking about renovating?
I can help you consider how changes you make might affect your home’s resale potential down the road.

📈 Curious about your property’s value?
From taxes to net worth, there are lots of reasons you may need to know your home’s current value — and I offer free assessments.

Save this post to refer back to, and reach out if there’s anything I can do for you today!

📲 661-702-4767
📧 [email protected]

Are There More Homes for Sale Where You Live?

One of the biggest bright spots in today’s housing market is how much the supply of homes for sale has grown since the beginning of this year.

Recent data from Realtor.com shows that nationally, there are 36.6% more homes actively for sale now compared to the same time last year. That’s a significant improvement. It gives you far more options for your move than you would’ve had just a year ago. And with supply improving, you’re also regaining a bit of negotiation power. So, if you’re someone who thought about buying a home over the last few years but were discouraged by how limited inventory was, this should be welcome news.

As Lawrence Yun, Chief Economist at NAR, says, “Increased housing supply spells good news for consumers who want to see more properties before making purchasing decisions.”

While we’re up by almost 37% year-over-year, we’re still...

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Are There More Homes for Sale Where You Live? One of the biggest bright spots in today’s housing market is how much the supply of homes for sale has grown since the beginning of this year.

Home Inspections For Sellers: How To Prepare

If you’re thinking about selling your house, it’s important to know what the home inspection is and what inspectors look for. As supply grows and buyers regain negotiation power, you may find you want to do some select repairs with a good return on investment before listing to get ahead of things a buyer may ask you to fix. To decide what's worth tackling, you need expert advice. Let's chat so you know what to prioritize.

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Home Inspections For Sellers: How To Prepare If you’re thinking about selling your house, it’s important to know what the home inspection is and what inspectors look for.

Where Will You Go After You Sell?

If you’re planning to sell your house and move, you probably know there’s been a shortage of options available. But here’s the good news: the supply of homes for sale has grown in a lot of markets this year – and that’s not just existing, or previously-owned, homes. It’s true for newly built homes too.

So how do you decide which route to go? The choice is yours – you just need to figure out what’s most important to you.

Here are some benefits of buying a newly built home right now:

>>Have brand new everything with never-been-used appliances and materials
>>Use energy efficient options to save money and leave a smaller footprint
>>Minimize the need for repairs and benefit from builder warranties
>>Take advantage of builder concessions that can help with affordability

Ralph McLaughlin, Senior Economist at Realtor.com, shares, “Homebuyers who are looking for that...

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Where Will You Go After You Sell? If you’re planning to sell your house and move, you probably know there’s been a shortage of options available.