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Robert Darrow, Broker Associate

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Top 5 Reasons To Hire an Agent When Buying a Home [INFOGRAPHIC]

Top 5 Reasons To Hire an Agent When Buying a Home [INFOGRAPHIC] | Keeping Current Matters

Hiring an agent when buying a home helps you understand the buying process and the local market.

Posted in: Advice, Buying Myths, For Buyers, Infographics, Marketwatch

Is It Easier To Find a Home To Buy Now?

Is It Easier To Find a Home To Buy Now? | Keeping Current Matters

One of the biggest hurdles buyers have faced over the past few years has been a lack of homes available for sale.

Posted in: Advice, Buying Myths, For Buyers, Marketwatch

Single Women Are Embracing Homeownership

Single Women Are Embracing Homeownership | Keeping Current Matters

In today’s housing market, more and more single women are becoming homeowners.

Posted in: Advice, Buying Myths, First Time Home Buyers, For Buyers, Marketwatch

What Every Homebuyer Should Know About Closing Costs

What Every Homebuyer Should Know About Closing Costs | Keeping Current Matters

Before making the decision to buy a home, it’s important to plan for all the costs you’ll be responsible for.

Posted in: Advice, Buying Myths, For Buyers, Marketwatch

Your Home Is a Powerful Investment

Your Home Is a Powerful Investment | Keeping Current Matters

Going into 2023, there was a lot of talk about a possible recession that would cause the housing market to crash.

Posted in: Advice, Buying Myths, First Time Home Buyers, For Buyers, Marketwatch

What Mortgage Rate Do You Need To Move?

What Mortgage Rate Do You Need To Move? | Keeping Current Matters

If you’ve been thinking about buying a home, mortgage rates are probably top of mind for you.

Posted in: Advice, Buying Myths, For Buyers, Interest Rates, Marketwatch

Finding Your Perfect Home in a Fixer Upper

Finding Your Perfect Home in a Fixer Upper | Keeping Current Matters

If you’re trying to buy a home and are having a hard time finding one you can afford, it may be time to consider a fixer-upper.

Posted in: Advice, Buying Myths, First Time Home Buyers, For Buyers, Marketwatch, Move-Up Buyers

Mortgage Rates Will Come Down, It’s Just a Matter of Time

Mortgage Rates Will Come Down, It’s Just a Matter of Time | Simplifying The Market

This past year, rising mortgage rates have slowed the red-hot housing market. Over the past nine months, we’ve seen fewer homes sold than the previous month as home price growth has slowed. All of this is due to the fact that the average 30-year fixed mortgage rate has doubled this year, severely limiting homebuying power for consumers. And, this month, the average rate for financing a home briefly rose over 7% before coming back down into the high 6% range. But we’re starting to see a hint of what mortgage interest rates could look like next year.

Inflation Is the Enemy of Long-Term Interest Rates

As long as inflation is high, we’ll see higher mortgage rates. Over the past couple of weeks, we’ve seen indications that inflation may be cooling, giving us a glimpse into what may happen in the future. The mortgage market is eagerly awaiting positive news on inflation. As Ali Wolf, Chief Economist at Zonda, says:

“The housing market is expected to face continued uncertainty heading into 2023 as consumers, financial markets, and policymakers work through their respective challenges in today’s economy. . . . we are watching for any additional stability in the MBS market, signs of cooling inflation, and/or less aggressive Federal Reserve action to give us confidence that mortgage rates are past their peak.”

What Does This Mean for the Future of Mortgage Rates?

As we get through the inflation battle and start to see that coming down, we should expect mortgage rates to follow. We’ve seen nods of this over the past couple of weeks. As the Federal Reserve works to bring inflation down, mortgage rates will come down as well. Bill McBride from Calculated Risk says:

“My current view is inflation will ease quicker than the Fed currently expects.”

As we look toward next year, we certainly hope he’s right.

Bottom Line

Mortgage rates will come down – it’s just a matter of time. The hope is we continue to see more positive news on inflation, and that’ll bring mortgage rates down. This will give prospective homebuyers more buying power and lead to more homeowners throughout the country.

Posted in: Advice, Buying Myths, First Time Home Buyers, For Buyers, Housing Market Updates, Interest Rates, Marketwatch, Move-Up Buyers

VA Loans: Making Homes for the Brave Achievable [INFOGRAPHIC]

VA Loans: Making Homes for the Brave Achievable [INFOGRAPHIC] | Simplifying The Market

VA Loans: Making Homes for the Brave Achievable [INFOGRAPHIC] | Simplifying The Market

Some Highlights

  • VA Loans can help make homeownership possible for those who have served our country.
  • These loans offer great benefits for eligible individuals and can help them buy a VA-approved house or condo, build a new home, or make improvements to their house.
  • Homeownership is the American Dream. One way we can honor and thank our veterans is to ensure they have the best information about the benefits of VA home loans.

Posted in: Advice, Buying Myths, Down Payments, First Time Home Buyers, For Buyers, Infographics, Marketwatch, Move-Up Buyers

VA Loans Can Help Veterans Achieve Their Dream of Homeownership

VA Loans Can Help Veterans Achieve Their Dream of Homeownership | Simplifying The Market

For over 78 years, Veterans Affairs (VA) home loans have provided millions of veterans with the opportunity to purchase homes of their own. If you or a loved one have served, it’s important to understand this program and its benefits.

Here are some things you should know about VA loans before you start the homebuying process.

What Are VA Loans?

VA home loans provide a pathway to homeownership for those who have served our nation. The U.S. Department of Veterans Affairs describes the program like this:

“VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.”

Top Benefits of the VA Home Loan Program

In addition to helping eligible buyers achieve their homeownership dreams, VA loans have several other great benefits for buyers who qualify. According to the Department of Veteran Affairs:

  • Qualified borrowers can often purchase a home with no down payment.
  • Many other loans with down payments under 20% require Private Mortgage Insurance (PMI). VA Loans do not require PMI, which means veterans can save on their monthly housing costs.
  • VA-Backed Loans often offer competitive terms and mortgage interest rates.

A recent article from Veterans United sums up just how impactful this loan option can be:

“For the vast majority of military borrowers, VA loans represent the most powerful lending program on the market. These flexible, $0-down payment mortgages have helped more than 24 million service members become homeowners since 1944.”

John Bell, Acting Executive Director of the Department of Veterans Affairs Loan Guaranty Service, also explains why this program is so powerful:

“It provides early ownership for many people that would not have that opportunity to begin with. Since there’s no down payment, it allows people to hold their wealth and it gives them the ability to have long term financial security by being able to own a house and let that equity grow.”

Bottom Line

Homeownership is the American Dream. Our veterans sacrifice so much in service of our nation, and one way we can honor and thank them is to ensure they have the best information about the benefits of VA home loans. Thank you for your service.

Posted in: Advice, Buying Myths, Down Payments, First Time Home Buyers, For Buyers, Marketwatch, Move-Up Buyers

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Robert Darrow

Robert Darrow your Sunshine Guru

Keller Williams Realty
3696 N. Federal Highway
Ft. Lauderdale, FL, 33308
(954) 446-9001

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