Masha Kozlovets Real Estate

As we approach the end of 2022, experts trying to predict future economy, which is still being pulled in all directions by high inflation, ongoing geopolitical uncertainties and the midterm election results.

There are mixed signals from economists about if and when the housing market will crash, or if it will simply “correct” itself from the double-digit percentage jumps seen in home prices the past year..

Listening to and like minded economists, i based my opinion and facts.Here a few i wanted to share ..Low housing inventory has been a challenge since the 2008 housing crash when the construction of new homes plummeted. It has never fully recovered.Housing supply that remains near historic low has held up demand compared to other downturns. Inventory levels are still tight, which is why some homes for sale are still receiving multiple offers. At the current sales pace, inventory is at a 3.3-month supply, according to NAR.

Experts point out that today’s homeowners stand on much more secure footing than those coming out of the 2008 financial crisis, so the likelihood of a housing market crash is low. From what I am seeing we more likely will have the market cool, rather than crash.

Buying a house—in any market—is a highly personal decision. If you find a home you love in an area you love, and it also fits your budget, then chances are it might be right for you.

On the picture, you can see the difference if you would buy in a crazy May market when the rates were 4.5% and overasking prices in comparison to the current rates. Numbers still make sense and mortgage is almost the same.

If you’d like to learn more about the current market and see some stats - DM me:)

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in and areas

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Just wanted to share some news happened overnight. New inflation report is out today!

The consumer price index rose 7.7% for the year ending in October while economists were expecting 8%. Its the lowest indicator since January. Rates dropped to mid 6% overnight (at least in the short term).
This might be the best time to pick up a property for awhile, with rate hikes most likely still on the horizon. Right now with prices suppressed and a rate around 6% - your mortgage numbers will look way more affordable compared to a few days ago when the rate was around 7.5%

Let me know if you have questions regarding this!

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I have been asked many questions and heard some concerns about current real estate market, so I just wanted to share with some numbers with you.

YES. The real estate market is shifting. It’s happening because the Fed is trying to slow down the inflation as well as stabilize the market.

To help quell inflation, which reached 9.1% this month, the Federal Reserve most likely will raise the rate up .75-1 points.

While everybody is nervous about the market right now, let’s look closer at the numbers if you would buy 6months ago vs today.

Yes, you could get around 3% for a loan but in order to do that, some buyers had to pay up to $100,000 over asking price to get the house and sometimes even that wouldn’t be enough (Early this year the property on the east side was sold $1,000,000 over asking).

With the current rates, now we see properties sell for the asking price or in some areas we see price drops. 6 month ago, on a $600,000 house, with 20% down and 4% rate your payment would have been around $2,800/ month.
You may be able to get a similar house today for $500,000. With 20% down and 5.5% rate your monthly payment would be $2,763/month.

While the real estate market is correcting, we are approaching a lot of opportunities and instead of panicking and waiting - some people take advantage of it. I would love to help you win this market. DM if you’d like to see some stats about current market or if you have any questions:)

(Pictures of recent properties I helped my clients to buy or sell)

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