THINKING OF BUYING OR SELLING? Here's what you need to know.

Home prices and interest rates have an ?????????????? ????????????????????????—when one goes up, the other usually comes down. Right now, interest rates are still high, but that doesn’t mean you should wait! When rates drop, home prices will rise, making it ???????? ?????????????????? ???? ?????? ??????????.

The good news? There are creative strategies to make homeownership more affordable today, like seller-paid rate buy-downs. ?????????????? ???? ???????????????? ?????????? ????????????????????, ?????????????? ?????? ???????? ???????????? ?????????? ?????????? ?????????????? ???????????????? ?????????? ???????? ?????? ?????????????????? ??????????.

Even if you’re not buying your forever home yet, one of the smartest ways to build wealth is to buy, renovate, live in it for two years, and repeat. You’ll reach your dream home faster than you think!

?????????????? ?? qualified ???????????? ???? ???????? ???????? ?????? ?????? ???????????? ????? ????????? ?????????????????? ?????? ???????? ????????????????. Reach out today to talk about all of your real estate options.

??????'?? ?????????????? ?????? ?????????????????? ?????????? ??% ???????? ???? ???? $??????,?????? ???????? ???????????????? ???????? ?? ????-???????? ?????????? ???????? ???? ??%.

???????????????? ??: $20,000 Price Reduction

• ??????? ???????????????? ??????????: $780,000
• ????????? ???????????? (????% ??????????????????): $741,000
• ????????????????? ????????: 7%
• ??????????????? ?????????????? (??&?? ????????): $4,934

???????????????? ??: ??-??-?? ?????????????? ???? ???? $??????,?????? ???????????????? (??% ???????????? ????????????)

• ???????? ???????????? (????% ??????????????????) $??????,??????
• ????????????? ???????? ?????? ?????? ?????????????? (~??% ???? ???????? ???????????? = ~$????,??????)
• ??????????????? ???????????????? ??????????:

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???????? ??: ??.??????% (instead of 4% due to lower buydown funds)

???????? ??: ??.??????%

???????? ??: ??.??????%

???????? ??-????: ??%

?????????????? ?????????????? ????????????????????

???????? ???????????????? ???????? ?????????????? (??&??) ?????????????? ?????????????? ????. ??%

?? ??.??????% $??,?????? $??,??????

?? ??.??????% $??,?????? $??????

?? ??.??????% $??,?????? $??????

??-???? ??% $??,?????? $??

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?????????? ?????????????? ???????? ?? ??????????

• ?3-2-1 Buydown (3% credit): $????,?????? ???? ?????????????? ????????????????
• Price Reduction ($20K): $127/month savings, ???????????????? $??,?????? ???????? ?? ??????????

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?????????? ???????????? ???? ?????????????

• The 3-2-1 Buydown still provides significantly more savings in the first three years ($23,148 vs. $4,572).
• If the buyer plans to refinance or sell within 3-5 years, the Buydown is still the better choice.
• If the buyer is keeping the home long-term, a price reduction helps reduce total interest paid over 30 years.

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