Start preparing finances early: Ensure credit is good, calculate affordability, and get ready to make a competitive offer.Current market improvements: 2025 offers better opportunities for buyers after high prices and limited options in 2024.

Maintain a Good Credit Rating: Strong credit scores often lead to lower premiums for auto and homeowner insurance.Drive Safely: A clean driving record and good grades for students can significantly reduce insurance costs.

Start house hunting in January to benefit from lower prices and reduced buyer competition. Hire a local Real Estate agent with expertise in undervalued properties and market trends.

Consult a REALTOR®: A local agent helps price your home correctly and attract potential buyers. Complete Repairs: Fix any outstanding issues, like leaky faucets or worn-out flooring, for a polished look.

Specify mortgage details, interest rates, and loan types to avoid issues with earnest money deposits. Want seller assistance with closing costs? You must ask for it in your offer!

Dwelling and personal property coverage repair your home and replace belongings, subject to policy limits and deductibles. Hurricane deductibles differ: Typically 1–5% of dwelling coverage, significantly impacting your out-of-pocket costs.

Presidents' Day celebrates all past and present U.S. presidents. It reflects on the nation's founding principles and values, including the Constitution and union. Reading of Washington's Farewell Address by a U.S. senator remains an annual event for...

Mortgage rates remain above 6%, with slight home price growth and low supply continuing to pressure affordability. Existing home sales expected to recover slightly from multi-decade lows due to limited inventory and affordability barriers.

Valentine’s Day occurs every February 14 around the world, and candy, flowers and gifts are exchanged between loved ones, all in the name of St. Valentine Valentine greetings were popular as far back as the Middle Ages, though written Valentine’s didn’t begin to...

Investing globally in Real Estate requires understanding market dynamics, including rent growth and job creation trends.Tap into local expertise, including brokers, property managers, and market analysts, to gain on-the-ground insights.

Start by researching and interviewing realtors knowledgeable about your local market before selling.A fresh home makeover, including new paint and flooring, boosts appeal and first impressions.

Home sales may rise 1.5%, prices climb 3.7%, and mortgage rates stay above 6% despite slight cuts. A historic 11.7% home inventory jump and 13.8% new construction surge mark supply resurgence in 2025.

Mortgage rates are expected to fall in 2025, easing the path to homeownership. As rates drop, more homeowners may sell, boosting real estate inventory and market opportunities.

Reduced demand could lead to stagnant or declining prices, creating better deals for new buyers. Buyers prepared with savings and good credit can benefit from hesitant competition.

Capital Economics forecasts U.S. home prices will ↑ 4.0% in both 2025 and 2026, signaling a stable housing market.Limited inventory will likely prevent price declines, supporting steady growth despite constrained buyer demand.

New listings ↑ 8% weekly, signaling more seller activity as the market heads into 2025. Pending home sales ↑ 10% yearly, reflecting slight optimism in the housing market.

恭喜發財. Wishing you prosperity. Lunar New Year, is the most important celebration observed in China, with cultural and historic significance.The New Year celebration is centered around removing the bad and the old, and welcoming the new and the good. Traditional...

Rates to drop from 4.5% (Q1) to 3.9% (Q4), following gradual rate cuts across four quarters. Rate cuts aim to boost borrowing and economic activity while addressing inflation concerns.

Home values are expected to rise 2.6% in 2025, matching 2024's growth pace. Sales of existing homes will climb to 4.3 million in 2025, up from 4 million this year.

The Fed influences mortgage rates indirectly through its policy on inflation and labor market data. Mortgage rates generally drop with Fed rate cuts, making borrowing cheaper for consumers.

Feeling trapped by high interest rates? Take charge with these effective strategies to secure better mortgage rates. Review and improve your credit report and score to enhance lender confidence and secure favorable rates.

Quarterly taxes are due four times per year to avoid IRS penalties. The first quarterly payment for 2025 is due on April 15, for income earned in Q1.

Your spouse’s debt can impact your joint mortgage application, potentially limiting loan options and eligibility. Mortgage lenders prioritize a front-end ratio of 28% and back-end ratio of 36% or less.

In the journey towards home ownership, one's credit score emerges as a pivotal factor, influencing opportunities and shaping choices. This article delves into the intricate role that credit scores play in the home buying process, providing a comprehensive overview of...

Check if you meet the typical requirements: 620+ credit score, stable income, and consistent employment history. Look for lenders or mortgage brokers who work with non-QM wholesale lenders; they can connect you with options.

The average annual homeowners insurance premium for a $200K home in Utah is $1,063. Utah’s insurance rates are influenced by low weather risks, local crime, and construction material costs.

Salt Lake City: A Top Pick for Millennial Homeowners   Buy or Sell with Marty Gale "Its The Experience" Principal Broker and Owner of Utah Realty™ Licensed Since 1986 CERTIFIED LUXURY HOME MARKETING SPECIALIST (CLHM) PSA  (Pricing Strategy Advisor) General Contractor...

Federal funds rate projected to fall from 3.7% (Q1) to 3.1% (Q4), marking consistent quarterly reductions. Rate adjustments aim to stabilize the economy, setting the stage for long-term equilibrium.

2025 housing market: moderate rise in home sales, stabilized mortgage rates, and slower price increases. All-cash buyers make up 26% of sales, driven by increased homeowner equity.

In October, the combination of rising mortgage rates and high home prices has slowed home sales to a 14-year low.New single-family home sales ↑ 4.1% MoM, signaling potential market recovery.

Create a budget by listing income sources, tracking spending, and identifying non-essential expenses to reduce. Set financial goals by researching housing markets, breaking down savings into monthly or yearly targets.

Homeowners may owe taxes if their profit exceeds the exclusion limits when selling their home. Single filers can exclude up to $250K in profits; couples filing jointly can exclude up to $500K.

Fed Funds Rate Trends Forecast: - 2025 rate: drop to 4.0% - 2026 rate: to hold ~3.8% Economic Outlook for 2025: - GDP growth: taper from 1.8% to 2.5% by year-end - Rate cuts respond to slower economic growth

Track your spending this winter to identify areas for cost-cutting before buying a home in 2025. Winter-proof your home to reduce energy bills and save money during the colder months.

Pricing slightly below market value attracts multiple offers and encourages faster sales across regions. Well-maintained exteriors and appealing landscapes boost property attractiveness in any climate.

Thanksgiving Day, celebrated predominantly in the United States, is often symbolized by the quintessential turkey dinner and indulgent pies, marking a period of feasting and familial gatherings. However, the essence of this holiday transcends beyond the mere...

Buy or Sell with Marty Gale "Its The Experience" Principal Broker and Owner of Utah Realty™ Licensed Since 1986 CERTIFIED LUXURY HOME MARKETING SPECIALIST (CLHM) PSA  (Pricing Strategy Advisor) General Contractor 2000 (in-active) e-pro (advanced digital marketing)...