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Last year, the Federal Reserve took action to try to bring down inflation. In response to those efforts, mortgage rates jumped up rapidly from the record lows we saw in 2021, peaking at just over 7% last October. Hopeful buyers experienced a hit to their purchasing power as a result, and some decided to press pause on their plans.

Today, the rate of inflation is starting to drop. And as a result, mortgage rates have dipped below last year’s peak. Sam Khater, Chief Economist at Freddie Mac, shares:

“While mortgage market activity has significantly shrunk over the last year, inflationary pressures are easing and should lead to lower mortgage rates in 2023.”

That’s potentially great news if you’re a buyer aiming to jump back into the housing market. Any drop in mortgage rates helps boost your purchasing power by bringing down your expected monthly mortgage payment. This means the lower mortgage rates experts forecast this year could be just what you need to reignite your homebuying goals.

While this opens up a window of opportunity for you, remember: you shouldn’t expect rates to drop back down to record lows like we saw in 2021. Experts agree that’s not the range buyers should bank on. Greg McBride, Chief Financial Analyst at Bankrate, explains:

“I think we could be surprised at how much mortgage rates pull back this year. But we’re not going back to 3 percent anytime soon, because inflation is not going back to 2 percent anytime soon.”

It’s important to have a realistic vision for what you can expect this year, and that’s where the advice of expert real estate advisors is critical. You may be surprised by the impact even a mild drop in mortgage rates has on your budget. If you’re ready to buy a home now, today’s market presents the opportunity to get a more affordable mortgage rate, find your dream home, and face less competition from other buyers.

Bottom Line

The recent pullback in mortgage rates is great news – but if you’re ready to buy now, holding out for 3% is a mistake. Work with a local real estate expert to explore the options in your area and learn how today’s rates impact your goals.

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There’s no denying the housing market is undergoing a shift this season as buyer demand slows and the number of homes for sale grows. But that shift actually gives you some unique benefits when you sell. Here’s a look at the key opportunities you have if you list your house this fall.

Opportunity #1: You Have More Options for Your Move

One of the biggest stories today is the growing supply of homes for sale. Housing inventory has been increasing since the start of the year, primarily because higher mortgage rates helped cool off the peak frenzy of buyer demand. But what you may not realize is, that actually could benefit you.

If you’re selling your house to make a move, it means you’ll have more options for your own home search. That gives you an even better chance to find a home that checks all of your boxes. So, if you’ve put off selling because you were worried about being able to find somewhere to go, know your options have improved.

Opportunity #2: The Number of Homes on the Market Is Still Low

Just remember, while data shows the number of homes for sale has increased this year, housing supply is still firmly in sellers’ market territory. To be in a balanced market where there are enough homes available to meet the pace of buyer demand, there would need to be a six months’ supply of homes. According to the latest report from the National Association of Realtors (NAR), in July, there was only a 3.3 months’ supply.

While you’ll have more options for your own home search, inventory is still low, and that means your home will still be in demand if you price it right. That’s why the most recent data from NAR also shows the average home sold in July still saw multiple offers and sold in as little as 14 days.

Opportunity #3: Your Equity Has Grown by Record Amounts

The home price appreciation the market saw over the past few years has likely given your equity (and your net worth) a considerable boost. Danielle Hale, Chief Economist at realtor.com, explains:

“Home owners trying to decide if now is the time to list their home for sale are still in a good position in many markets across the country as a decade of rising home prices gives them a substantial equity cushion . . .”

If you’ve been holding off on selling because you’re worried about how rising prices will impact your next home search, rest assured your equity can help. It may be just what you need to cover a large portion (if not all) of the down payment on your next home.

Bottom Line

If you’re thinking about selling your house this season, work with a real estate professional so you have the expert insights you need to make the best possible move today.

32:T1760,

Welcome to Sagittarius Season! This time of the year is known for being the most optimistic, imbued with a sense of adventure. This shift of energy (away from intense Scorpio) will have us ready to take on the world!

One way to bring that sense of adventure into our home is by infusing your travels into your home decor. The need for adventure is something that is present in every day life, especially from November 22 - December 21, during Sagittarius season. For this reason, the best way for a traveler to feel good at home is to be surrounded by the things that remind them of the places they have been or that inspire upcoming trips!

1. Use Photo Prints in your Decoration

Polaroids are back! Photo prints are a great way to bring the special moments and atmosphere of your travels into your home decor. Photo prints are nostalgic yet modern in their reinvention, so it won’t look out of place if you put some around your home. It’s a great excuse to take pictures as happy reminders instead of letting them pile up on your phone. It will make you smile each time you see them while encouraging you to go and make new memories.

2. Choose Travel Themed Artwork

The famous interior designer Nate Berkus said, “Your home should tell the story of who you are, and be a collection of what you love.” We love this quote and couldn’t agree more! If you define yourself as a traveler, let it shine through your home. Not just as a way to show who you are, but also as a way for you to feel more comfortable and inspired in your own home.

And don’t stop there – inspirational quotes related to travel, globes, maps, travel guides – everything that conjures the feeling of going on a new adventure is a great decoration option that will fuel your passion to pursue those dreams.

3. Suitcases are Always a Great Option

We can’t talk about travel-related items without talking about suitcases. Apart from their primary function, suitcases can be great decoration items, especially antique-looking ones. A retro suitcase will add a cinematic and romantic touch to your decor. Not to mention it obviously doubles as functional storage space!

4. Get Graphic with City Maps

Have you ever noticed the design of city maps? They’re artistic, have famous city icons, as well as great logos and typography. Instead of discarding them, why not save them, frame them and make a wall gallery out of them? They’re not only unique home décor, but they also act as special mementos of places you’ve visited.

5. Collect Travel Books

Travel books will transport you back to your favorite destinations or give you the gumption to plan that next adventure. Great travel books have amazing photos so that you recall these places at their best. We all know art books are often used as coffee table books and to adorn our bookshelves, so make it your personal preference and collect travel books.

6. Homewares from Abroad

Collecting artisan goods when you’re traveling is a particular joy that travelers relish. From hand-crafted ceramics, to cushion covers, these goods can become some of your most special and prized possessions. This is because they’re more than just material things, they hold the memories and stories of the day were bought on that trip.

7. Keep Some Postcards for You

There has always been a romantic vibe to postcards. They are reminiscent of another time, but to this day they are ubiquitous, light, and a cheap souvenir you can collect while traveling. Once you’re home, simply string up a postcard collection up with some twine and wooden pegs as a simple way to fill your house with travel mementos!

We believe there is a romantic vibe to postcards. They are indeed reminiscent of another time but to this day they are ubiquitous, light, and a cheap souvenir you can collect while traveling. Once you’re home, simply string up a postcard collection up with some twine and wooden pegs as a simple way to fill your house with travel mementos!

When visiting a place, look for the postcards with the most beautiful images or even those with retro-inspired designs to complement your home décor.

via: www.amaliahomecollection.com

33:T150f,

Whether you’re a potential homebuyer, seller, or both, you probably want to know: will home prices fall this year? Let’s break down what’s happening with home prices, where experts say they’re headed, and why this matters for your homeownership goals.

Last Year’s Rapid Home Price Growth Wasn’t the Norm

In 2021, home prices appreciated quickly. One reason why is that record-low mortgage rates motivated more buyers to enter the market. As a result, there were more people looking to make a purchase than there were homes available for sale. That led to competitive bidding wars which drove prices up. CoreLogic helps explain how unusual last year’s appreciation was:

“Price appreciation averaged 15% for the full year of 2021, up from the 2020 full year average of 6%.”

In other words, the pace of appreciation in 2021 far surpassed the 6% the market saw in 2020. And even that appreciation was greater than the pre-pandemic norm which was typically around 3.8%. This goes to show, 2021 was an anomaly in the housing market spurred by more buyers than homes for sale.

Home Price Appreciation Moderates Today

This year, home price appreciation is slowing (or decelerating) from the feverish pace the market saw over the past two years. According to the latest forecasts, experts say on average, nationwide, prices will still appreciate by roughly 10% in 2022 (see graph below):

Why do all of these experts agree prices will continue to rise? It’s simple. Even though housing supply is growing today, it’s still low overall thanks to several factors, including a long period of underbuilding homes. And experts say that’s going to help keep upward pressure on home prices this year. Additionally, since mortgage rates are higher this year than they were last year, buyer demand has slowed.

As the market undergoes this change, it’s true price appreciation this year won’t match the feverish pace in 2021. But the rapid appreciation the market saw last year wasn’t sustainable anyway.

What Does That Mean for You?

Today, the market is beginning to move back toward pre-pandemic levels. But even the forecast for 10% home price growth in 2022 is well beyond the 3.8% that’s more typical for a normal market.

So, despite what you may have heard, experts say home prices won’t fall in most markets. They’ll just appreciate more moderately.

If you’re worried the house you’re trying to sell or the home you want to buy will decrease in value, you should know experts aren’t calling for depreciation in most markets, just deceleration. That means your home should still grow in value, just not as fast as it did last year.

Bottom Line

If you’re thinking of making a move, you shouldn’t wait for prices to fall. Experts say nationally, prices will continue to appreciate this year, just at a more moderate pace. When you’re ready to begin the process of buying or selling, partner with a real estate professional so you have a local market expert on your side each step of the way.

Via: Keepingcurrentmatters

Deniz Kilic

Holistic Realtor | Astrologer | Space Clearings | House Blessings

40 SW 13TH ST., STE 101, Miami, FL 33130

Direct: (917) 703-7777

denizsellsflorida@gmail.com

www.denizsellsflorida.com

34:Td90,

Holistic Real Estate

What is it? I am glad you asked! When one thinks the word "holistic," they normally think of health and not home buying. But did you know that your health is actually integral in the home buying process? We all know that home buying is traditionally one of the most stressful things people go through in their lifetime. Holistic Real Estate steers buyers & sellers from a stressful state of mind towards a journey centered on peace, trust, and fulfillment. How? Through the gentle guidance of a Holistic Realtor.

Holistic Realtors do everything that a normal realtor does, just with a dash, ok, more than a dash, of wellness.

By taking a holistic approach, Holistic Realtors can recognize and guide through the interconnected aspects of a person or situation by taking the well-being of the whole person into account while building meaningful relationships.

It is not a transaction that they are after; it is a deep, personal connection to those they work with.

They are aligned so closely with their intuition and seek to help clients to do the same by focusing on their mind, body, and soul health. A Holistic Realtor is after one thing, and that's a win-win situation no matter the outcome for their clients. Their gentle yet steadfast approach gives both sellers and homebuyers the tools to confidently recognize what is for them and what never was.

How Can They Help

M I N D

Buying a home is one of the largest financial purchases/decisions of your life. There is so much that goes into it, that it can make your head spin. From procedures to inspections to state laws to statistics, it is easy to see why you can get overwhelmed. Not only will your Holistic Realtor help you navigate all of this as well as negotiations, they will serve as a mentor who will let you know when it is time to take a brain break for some self-care.

B O D Y

Did you know stress can manifest physically? It is often caused by the many unknowns of this journey. It can cause sleepless nights that will wreak havoc on the body. Not only will your Holistic Realtor help you know when to take a break, but they will guide you to trust the process by gently coaxing you to trust your intuition and listen to your body. They also will step in to help with options, inspections, and expectations along the way.

S O U L

You should feel it in your soul when something is meant for you. It should bring you undeniable joy and peace. Anything else is not meant for you. Sometimes it is hard to separate the two, so your Holistic Realtor will guide you to the right decision for you through a variety of holistic practices. They may suggest meditation, journaling, or other self-care practices based on individual client needs the realtor has learned while developing an emotional connection with the client.

I am dedicated to helping my clients find the home of their dreams while encompassing all that is holistic during their journey.

Let me know how I can help you! Whether it's buying or selling in Florida, my team and I are here to guide you in the most authentic way, making it a win-win situation all around.

35:Td96,

September 23rd officially kicks off Libra season! This time of the year signals balance, reflection, beauty and elegance, which are just a few of Libra’s key traits. We have also entered the Autumn Equinox, which symbolizes a fresh start. And what better way to express a fresh start than sprucing up your home decor!

Adding new things will enhance your mood. Even small design and decor touches can help you find small joys throughout the year while keeping your home looking fresh and new.

Tabletops: If you have an entryway table, or in the center of your dining table, put a basket and get a candle in there, or a new floral arrangement. Vases are huge right now — traditional ones, and some that have a new, clean almost Scandinavian feel. That’s a good way to change up your table top.

Flowers: Change your floral arrangement with the seasons. Sunflowers, dahlias and pansies are my favorite for Autumn! If you have a pet and you can’t have real plants, artificial plants and leaves look so real nowadays, you could put a bouquet of fake flowers and it will look real and beautiful, and it just adds that little softness and pop to your table. Homegoods is my go to for artificial arrangements, and currently has a beautiful selection of fall themed florals that are the perfect addition to any home.

Diffusers: You don’t need to light it, you don’t need to remember to blow it out, they can go in any room, and they really fill the room with fragrance. And fragrance lifts your spirits.

Throw Pillows: There are neutral ones that would match anyone’s couch, and then there’s something with design, floral throw pillows with studs on the ends — that’s just a fun way to spice up a couch or a chair, or even your bed.

Books: Books are always a great way to spruce up a room. It’s very popular to do a stack of books, decorative books like Chanel No. 5, the coffee table book. It’s a showstopper.

You want to feel happy in your space. So add things that bring you joy!

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